区块链技术如何渗透到不同金融场景:现状与趋势

How Blockchain Technology Penetrates into Different Financial Scenarios:Status and Trends

区块链作为一种全新的技术组合,具有去中介化、安全性、可编程性、可拓展性、透明性和匿名性的特点。区块链技术正渗透到不同的金融场景,其在金融领域内应用面临的主要挑战包括区块链技术本身的限制、隐私安全有待加强、金融监管的难度增加等。未来区块链技术在金融业的应用呈现出以下几个方面的趋势:一是各金融机构有可能会逐步组建联盟,共同制定区块链技术标准。二是各金融机构将继续重点开发核心业务中的区块链应用场景。三是应当理性务实看待和推动区块链技术创新发展,客观认识其发展阶段及市场影响。

Block chain,as a new technology combination,has the characteristics of intermediation,security,programmability,expansibility,transparency and anonymity.The block chain technology is permeating to different financial scenes,and its main challenges in the financial field include the restriction of the block chain technology itself,the security of privacy to be strengthened,and the increase of the difficulty of financial supervision.In the future,the application of block chain technology in the financial industry shows the following trends:first,it is possible for various financial institutions to gradually form alliances and jointly formulate block chain technical standards.Second,financial institutions will continue to focus on developing the block chain application scenarios in core businesses.Third,we should rationally and pragmatically treat and promote the development of technological innovation of block chains,and objectively understand their development stages and market impact.