区块链技术在商业银行的应用研究

Research on the Application of BlockchainTechnology in Commercial Banks

当前,区块链作为推动新一轮科技革命和产业变革的重要力量席卷全球。从政策层面看,国家大力发展区块链产业,鼓励企业进行自主创新和创新应用;从技术层面看,区块链技术凭借去中心化、不可篡改等特征可以大幅降低交易成本,给金融交易带来更加安全、便捷的环境。区块链技术的应用天然契合于金融场景,本文着重研究了区块链技术赋能商业银行的路径及其在跨境贸易金融、供应链金融、资产证券化等八大场景中的应用。在对国内外银行应用实践归纳总结的基础上,笔者提出,区块链技术的发展尚处在早期阶段,在金融行业的大规模应用还有待时日,建议商业银行加大对区块链技术的研究,积极探索新一代金融服务模式,提高服务效率,加速商业银行数字化转型。

At present, blockchain is sweeping the world as an important force to promote a new round of technological revolution and industrial transformation. From the policy level, the country vigorously develops the blockchain industry and encourages enterprises to carry out independent innovation and innovative applications;From the technical level, blockchain technology can significantly reduce transaction costs by providing decentralization and non-tampering features, which will bring financial transactions to a safer and more convenient environment. The application of blockchain technology is naturally suitable for financial scenarios. This article focuses on the path of blockchain technology empowering commercial banks and its application in eight scenarios such as cross-border trade finance, supply chain finance, and asset securitization. On the basis of summarizing the practice of domestic and foreign banks, the author proposes that the development of blockchain technology in China is still at an early stage, and that large-scale application in the financial industry will take time. It is recommended that commercial banks increase their emphasis on blockchain technology research, actively explore a new generation of financial service models, improve service efficiency, and accelerate the digital transformation of commercial banks.