区块链金融基础设施监管研究

Regulatory Response to Financial Infrastructure Based on Blockchain

区块链技术具有防篡改、可靠性强、与智能合约结合可自动执行等优势,被认为是新一代金融基础设施的技术雏形。但基于去中心化的组织结构本质,区块链金融基础设施将面临技术、治理、监管的三重挑战。为促进区块链技术在支付、清算和结算、数字资产交易等金融领域的创新发展,平衡风险防控与科技创新之间的关系,提升金融监管效能,监管机构应革新监管理念,创新监管手段,并通过技术、法律的标准化供给实现区块链金融基础设施的规范、可靠、稳健发展。

Blockchain technology has the advantages of tamper proof,strong reliability and automatic execution combined with smart contract,which is considered as the technical prototype of the new generation of financial infrastructure.However,based on the essence of decentralized organizational structure,financial infrastructure in blockchain will face the challenges of technology,governance and supervision.In order to promote the innovation and development of blockchain technology in payment,clearing and settlement,digital assets trading and other financial fields,balance the relationship between risk prevention and technology innovation,and improve the efficiency of financial supervision,regulatory agencies should innovate regulatory concepts and regulatory means,and realize the standardized,reliable and stable development of financial infrastructure in blockchain through the standardized supply of technology and law.