区块链技术应用于数字票据的法律适用与制度供给

Legal Application and Institutional Construction of Blockchain Technology in Digital Bills

区块链技术在金融领域的应用开始崭露头角。区块链技术与票据相结合的模式已经开启初步探索,“区块链+票据”模式并未突破传统票据领域的法理基础,在传统票据法律框架下,该模式可以提高票据使用效率、保护票据安全、促进统一票据线上体系完善。但是,“区块链+票据”模式当前存在法律供给不足的现实环境,尚需明确技术主体责任、完善智能合约与区块链票据技术结合、明确电子签名认证机构民事责任,加强区块链票据金融监管。

With the continuous development of blockchain technology,the application of blockchain technology in the financial field has also begun to emerge.The combination of blockchain technology and bills has begun preliminary exploration.The“blockchain+bills”model has not broken through the legal basis of traditional bills.Under the traditional bill legal framework,the model can improve the efficiency of bill use,protect the safety of bills,and promote the improvement of the unified bill online system.However,the“blockchain+bill”model currently has a realistic environment of insufficient legal supply.It is still necessary to clarify the responsibility of the technical body,improve the combination of smart contracts and blockchain bill technology,clarify the civil responsibility of the electronic signature certification agency,and strengthen the blockchain bill financial supervision.