区块链在科技金融服务中的应用与挑战

Application and Challenge of Blockchain in Technology and Financial Services

科技金融的核心任务是促进金融资本和科技创新有机融合,让金融资本发挥对科技创新的有效支撑作用,重点是解决科技创新主体特别是科技型中小企业融资难的问题。区块链在科技金融服务中的合理应用,能够重新定义科技创新资源的身份信息、信任机制、商业模式和场景应用,从而缓解信息不对称、有效管控风险、降低信贷成本,更有效地让金融赋能于科技。

The core task of science and technology fi nance is to promote the organic integration of fi nancial capital and scientific and technological innovation.In order to promote financial capital to play an effective supporting role in scientifi c and technological innovation,the fi nancing diffi culties of scientifi c and technological innovation subjects,especially of scientifi c and technological small and medium-sized enterprises should be solved.The rational application of blockchain in science and technology fi nancial services can redefi ne the identity information,trust mechanism,business model and scenario application of science and technology innovation resources,so as to alleviate information asymmetry,eff ectively control risks,reduce credit costs,and more eff ectively empower fi nance to science and technology.