区块链金融:场景运用、风险挑战与法律监管

Research on the Risk and Legal Supervision of Blockchain in the Financial Field

区块链以其分布式记账、非对称性加密及智能合约的特性活跃于金融多领域,给传统金融带来巨大变革与挑战。随着区块链在金融领域业务拓展,金融风险与日俱增,引起各方关注。目前,我国对区块链在金融领域的法律监管还存在现有监管理念与模式同区块链特性不匹配,法律监管体系不健全、法律监管制度不完备等问题。建议转变我国区块链在金融领域的法律监管模式;健全我国区块链在金融领域的法律监管制度;构建我国区块链在金融领域的法律监管体系。

Blockchain is active in many financial fields due to its distributed accounting,asymmetric encryption and smart contract characteristics.Its application in the financial field has brought huge changes and challenges to traditional finance.With the expansion of blockchain business in the financial field,financial risks are increasing day by day,which has attracted attention from all parties.At present,China's legal supervision of blockchain in the financial field still has a series of problems such as the mismatch of existing supervision concepts and models with the characteristics of blockchain,the imperfect legal supervision system,and the incomplete legal supervision system.How to highlight legal supervision to promote the positive development of blockchain in the financial field and seek legal supervision paths for blockchain finance is a new focus of China's financial technology supervision.