商业银行区块链应用误区分析及对策研究

Analysis and Countermeasure on the Application Errors of Block Chain in Commercial Banks

区块链作为一种新兴技术,对商业银行解决运营效率问题、提高风险定价水平、发展供应链金融和获得竞争优势具有重要意义。商业银行在拥抱区块链时,需要避开跟风炒作区块链、区块链绝对安全、区块链会取代商业银行、区块链万能论和区块链等同比特币等认识误区。在商业银行应用区块链方面,论文给出四个对策建议:联合原生型区块链企业、强化区块链应用顶层设计、利用区块链助力银行数字化转型和紧抓区块链应用的盈利点等。

As an emerging technology,blockchain is of great significance for commercial banks to solve operational efficiency problems,improve risk pricing,develop supply chain finance and gain competitive advantages.When commercial banks embrace blockchain,they need to avoid following the hype such as blockchain,blockchain absolute security.Blockchain will replace commercial banks,blockchain theory of all power and blockchain equals bitcoin.In terms of the application of blockchain in commercial banks,this paper gives four countermeasures and suggestions:unite with native blockchain enterprises,strengthen the top-level design of blockchain application,use blockchain to facilitate the digital transformation of banks,and grasp the profit points of blockchain application.