区块链技术在金融方向应用的发展及展望

The State-of-the-Art Blockchain Applications in Finance: Progress and Trends

区块链是一种使用分布式数据库运行,传播并记载信息的价值对等网络.它在近年来的繁荣发展,已经引起国家部门、金融机构、科技企业,以及资本市场的高度重视.区块链技术所具有的去中心化、透明、不可篡改等特性使得价值的传递不再需要中心的信任机构来背书.这些特点值得金融业高度重视,并应用其架构改造现有各类如信息不对称和数据真实性所存在的缺陷和问题.通过解构区块链的核心要素,针对法定货币、跨境支付、数字票据、供应链金融、证券交易等方面,结合最新的研究结果和应用情况进行了详细分析.介绍了区块链对于金融业中信任的重塑,讨论了区块链技术应用前景及未来的发展方向,希望此工作能为未来的有关研究提供相应的参考.

Blockchain is a kind of value peer-to-peer network that uses distributed database to exchange, disseminate and record information. With its rapid development, it has attracted high attention from national departments, financial institutions, technology enterprises, capital markets and investors. The decentralization, transparency, non-tampering and other characteristics of blockchain technology make the transfer of value no longer require the central trust institution to endorse. These characteristics deserve the high attention of the financial industry. And apply its architecture to transform existing types such as information asymmetry defects and problems with data authenticity. This paper analyzes legal currency, cross-border payment, digital bills, supply chain finance and securities trading in detail by deconstructing the core elements of the blockchain and combining with the current the latest research results and application. Blockchain is introduced for restore trust in the financial sector, blockchain technology is discussed in the current application and future development trend, we hope this work can provide helpful guidance and reference for future related research.