普惠金融实现中区块链应用的法律挑战及应对

Legal Challenges and Countermeasures in the Application of Blockchain to the Realization of Inclusive Finance

区块链应用于普惠金融领域创新的实质驱动力究竟因何而生,是研究普惠金融实现中区块链相关法律问题的前置命题。由金融投资者的利益追求转向金融消费者的需求偏好,在投资者驱动金融创新领域内并非一种新现象,只是该需求经常容易被忽视。通过指明金融创新现象背后的成因与逻辑关联,对于进一步充分合理运用区块链,实现普惠金融、完善资本要素市场化配置具有重要意义,同时也为分析区块链普惠金融与法律之间的关系提供了一个基础性框架。

What drives the application of blockchain to the innovation of inclusive finance is a pre-proposition of some blockchain-related legal issues in studying how to realize inclusive finance.The shift from investor’s pursuit of interests to consumers’demand preferences is not a new phenomenon in the field of investor-driven financial innovation.However,such preferences are usually ignored.This paper sheds lights on the causes and logic associations behind financial innovation,which will exert a profound influence on the full and reasonable application of blockchain,the realization of inclusive finance and the improvement of market-oriented allocation of capital elements.Besides,it also provides a basic framework for the analysis of the relationship between blockchain of inclusive finance and laws.