区块链在商业银行的应用研究及对策

Research on the Application of Blockchain in Commercial Banks and Its Countermeasures

区块链技术已经被纳入我国新基建计划,是重点关注的战略高新技术,商业银行对区块链重视程度逐渐增加,于是诸多商业银行包括国有商业银行、股份制商业银行、城市商业银行等纷纷利用区块链技术积极探索其在业务领域发展的可行性,包括对现有产品体系迭代升级、融资模式创新与客户拓展等,寻求有效降低金融资产损失的方法。本文对区块链的原理和技术特点进行了总结和分析,阐述区块链在商业银行的发展现状和取得的理论成果,并将其与商业银行传统的三大业务模块相结合:支付清算、数字票据和征信管理中进行匹配分析,提出区块链技术应用到商业银行体系的策略与建议。

Blockchain technology has been included in China’s new infrastructure plan. It is a strategic high-tech that focused on by China. Commercial banks gradually pay more attention to blockchain. As a result, many commercial banks, including stateowned commercial banks, joint-stock commercial banks and urban commercial banks, have actively explored the feasibility of their development in business fields by using blockchain technology, including iterative upgrading of existing product systems, financing mode innovation and customer expansion, etc., to find effective ways to reduce the loss of financial assets. This paper summarizes and analyzes the principle and technical characteristics of the blockchain, expounds the development status and theoretical achievements of the blockchain in commercial banks, and combines it with the three traditional business modules of commercial banks: payment and clearing, digital bills and credit management. It puts forward strategies and suggestions for the application of the blockchain technology to the commercial bank system.