基于区块链技术的商业银行业务模式创新研究

Research on Business Model Innovation of Commercial Banks Based on Blockchain Technology

随着互联网金融和金融科技日新月异的发展,区块链技术逐渐应用于商业银行。基于江苏银行和浙商银行对于区块链技术的具体应用,介绍了区块链技术对商业银行贷款、结算、资产管理、票据处理、中小企业融资等业务可能带来的模式创新,指出目前区块链技术应用于商业银行面临的实际问题,在此研究基础上提出相应的对策建议:区块链技术在商业银行领域的应用需要政府部门、商业银行、区块链技术企业三方面着手,在基础设施建设、市场发展与技术发展三者相协调的条件下共同推动商业银行区块链应用落地。

With the rapid development of Internet finance and financial technology,blockchain technology is gradually applied to commercial banks.Based on the specific application of block chain technology by Bank of Jiangsu and Zheshang Bank,the system introduces the possible model innovation of block chain technology for commercial bank loans,settlement,asset management,bill processing,SME financing and other businesses,and points out At present,blockchain technology is applied to the practical problems faced by commercial banks,and corresponding countermeasures and suggestions are put forward on the basis of this research.The study believes that the application of blockchain technology in the field of commercial banks requires government departments,commercial banks,and blockchain technology.Enterprises start from three aspects,and jointly promote the implementation of blockchain applications in commercial banks under the conditions of coordination of infrastructure construction,market development and technological development.