区块链技术在商业银行中的应用探析——基于招商银行支行的案例

Analysis on the Application of Blockchain Technology in Commercial Banks:Based on the case of China Merchants Bank branch

在金融科技发展的信息时代,区块链技术的应用积极影响着金融行业底层架构,给商业银行的传统业务带来巨大冲击。本文以招商银行为例,通过应用场景探析区块链技术赋能商业银行,指出区块链技术在应用中所呈现的科技创新瓶颈、缺乏风险意识、业务成本高、监管力度不足的问题并剖析其缘由,最后提出要加大科技投入、提高安全意识、降低业务成本,以提高区块链技术在商业银行的应用能力。

In the information age of the development of fi nancial technology,the application of blockchain technology positively affects the underlying structure of the fi nancial industry and has a huge impact on the traditional business of commercial banks.This article uses China Merchants Bank as an example to analyze blockchain technology through application scenarios empower commercial banks,point out the technological innovation bottlenecks,lack of risk awareness,high business costs,and insuffi cient supervision in the application of blockchain technology and analyze the reasons.Finally,it is proposed t o i ncrease scientifi c a nd technological investment,improve security awareness,reduce business costs in order to improve the application capabilities of blockchain technology in commercial banks.