区块链技术与银行信贷融合发展通道及机制研究

Study on the Channel and Mechanism for Integration of Blockchain Technology and Bank Credit in China

银行信贷业务的传统抵押担保运作模式不但使银行的经营成本高昂,而且在信贷业务开展中会忽略缺乏抵押担保能力的小微企业以及“弱势群体”的资金需求,既不利于银行拓展信贷业务市场空间,也不利于小微企业和弱势群体的健康发展。本文通过对区块链技术原理及技术特性的分析,阐述区块链技术与银行信贷融合发展的前景与通道,探究区块链技术与银行信贷融合发展的困境,据此提出促进区块链技术融入银行信贷的机制设计及制度创新思路。

Credit business is one of the financial institutions’vital patron and its significant source of income.The traditional mortgage guarantee operation mode of the credit business not only increases financial institutions’operating costs but also ignores the funding demand of small and micro enterprises(SMEs)and vulnerable groups that lack mortgage guarantee capabilities in the development of credit business.This mode is not promoting to banks’expansion of the credit business market,nor is it conducive to the development of SMEs and disadvantaged groups.Based on the analysis of the principles and attributes of blockchain technology,this paper expounds on the prospects and channels of the integration of blockchain technology and bank credit,investigates the institutional dilemma of the integrated development of blockchain technology and bank credit.Accordingly,this article proposes the view of mechanism design and system innovation approaches for promoting the integration of blockchain technology into bank credit.