应用科学学报 ›› 2019, Vol. 37 ›› Issue (2): 151-163.doi: 10.3969/j.issn.0255-8297.2019.02.001

• 区块链 • 上一篇    下一篇

区块链技术在金融方向应用的发展及展望

李博1, 郑博2, 郭子阳1, 王宏志1   

  1. 1. 哈尔滨工业大学计算机科学与技术学院, 哈尔滨 150001;
    2. 北京松鼠山科技有限公司, 北京 100026
  • 收稿日期:2019-01-01 修回日期:2019-01-28 出版日期:2019-03-31 发布日期:2019-03-31
  • 通信作者: 王宏志,教授,博导,研究方向:海量数据计算,E-mail:wangzh@hit.edu.cn E-mail:wangzh@hit.edu.cn
  • 基金资助:
    国家自然科学基金重点项目(No.U1509216,No.U1866602);国家重点研发计划项目(No.2016YFB1000703);国家自然科学基金面上项目(No.61472099,No.61602129)资助

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

LI Bo1, ZHENG Bo2, GUO Zi-yang1, WANG Hong-zhi1   

  1. 1. School of Computer Science and Technology, Harbin Institute of Technology, Harbin 150001, China;
    2. Squirrel Hill Technology, Beijing 100026, China
  • Received:2019-01-01 Revised:2019-01-28 Online:2019-03-31 Published:2019-03-31

摘要: 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.

关键词: 区块链, 金融应用, 法定货币, 跨境支付, 数字票据, 供应链金融

Abstract: 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, fnancial 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 fnancial 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 fnance 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 fnancial 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.

Key words: legal fat, cross-border payments, digital notes, supply chain fnance, blockchain, fnancial application

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