区块链技术在商业银行信贷领域中的应用

Application of Blockchain Technology in Credit Field of Commercial Banks

2016年底,区块链首次被国务院作为战略性前沿技术写入《"十三五"国家信息化规划》,各部委相继出台多个文件大力推进区块链产业的发展。2019年3月30日,国家互联网信息办公室发布了第一批共197家境内区块链信息服务备案编号,从BATJ等互联网巨头到传统企业,从金融机构到司法机关,都在积极探索区块链的相关应用。文章尝试在概括介绍区块链技术的基础上,通过分析区块链的核心技术特征,总结当前国内商业银行在信贷业务中的一些难点,就区块链技术在商业银行信贷业务中的应用方向和应用前景进行分析探讨。

At the end of 2016,blockchain was written into“The 13th Five-year National Informatization Plan”by the State Council as a strategic frontier technology for the first time.Since then,various ministries and commissions have issued a number of documents to vigorously promote the development of blockchain industry.On March 30,2019,the national Internet Information Office released the first batch of 197 domestic blockchain information service record numbers.From Internet giants such as BATJ to traditional enterprises,from financial institutions to judicial organizations,they are actively exploring the relevant application of blockchain.Based on the introduction of blockchain technology,this paper analyzes its core technical features,summarizes some difficulties of domestic commercial banks in credit business,and analyzes the application direction and application prospect of blockchain technology in credit business of commercial banks.