区块链跟金融有关系吗知乎,区块链跟金融有关系吗

近年来，区块链技术受到了越来越多的关注，它的应用范围也越来越广泛，包括金融领域。那么，区块链跟金融有关系吗？

答案是肯定的。区块链技术可以为金融行业带来巨大的变革，它可以帮助金融机构更好地实现资产管理、风控、支付结算等多个方面的改善。

首先，区块链技术可以改善金融机构的资产管理，通过智能合约实现自动化管理，从而降低了资产管理成本，提高了资产管理的效率和安全性。

其次，区块链技术可以改善金融机构的风控，通过确认双方身份、检查交易参与者的资金来源等方式，有效地防止金融洗钱和资金流入非法渠道。

此外，区块链技术还可以改善金融机构的支付结算，通过分布式账本实现实时可追溯的跨境支付，比如比特币，这样可以极大地降低支付结算的成本，提高支付结算的安全性。

总之，区块链技术与金融有着密切的联系，它可以改善金融机构的资产管理、风控、支付结算等多个方面，为金融行业带来巨大的变革。

未来，随着区块链技术的不断发展，它将为金融行业带来更多的变革，比如保险、众筹、贷款等，从而推动金融行业的发展。

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Ⅰ Why blockchain technology is most suitable for application in the financial industry

Blockchain is a revolutionary underlying technology. Its initial function is accounting. As a distributed The general ledger can solve the credit issues, notarization issues, audit issues, rights confirmation issues, etc. of the ledger, and can solve the digitalization needs of physical assets and other issues. Blockchain application scenarios have three major characteristics: "new database, multiple business entities, and no mutual trust". The financial industry has the characteristics of low trust among participants and high requirements for the security and completeness of transaction records, which is very consistent with the application characteristics of blockchain technology. Therefore, the financial services industry currently has the most projects and scenarios where blockchain technology has been implemented. One of the richest industries, such as supply chain finance, asset securitization, credit reporting and risk control, etc. In the financial field, blockchain technology can not only reform financial infrastructure, but also play a synergistic role in supervision, transactions, credit reporting, virtual currency and other scenarios. For example, in the traditional financial environment, supervision is managed through the reporting of data by various business organizations, which will cause many disadvantages, such as "black box" operations of enterprises and delayed decision-making. However, under blockchain finance, through information transparency and penetration, and some advantages of regional centralization, regulatory authorities can grasp all business information at the first time. At present, Internet financial companies such as Fox Financial Services are vigorously developing blockchain technology. Through the decentralization and distributed storage of blockchain technology, they can enhance user information management and increase supervision efficiency.

II Why should blockchain technology be used in the financial field and what are its substantial benefits

The main advantages of blockchain technology in the financial field are disintermediation and great reduction cost.

First of all, the financial industry currently needs to conduct layer-by-layer audits to control financial risks to prevent single points of failure and systemic risks, but this also results in high internal costs. And due to the increasing number of regulatory regulations, especially the 2008 financial crisis, the threshold for financial control has continued to rise, and the war on terrorism has led to the scope of anti-money laundering and counter-terrorism financing, which has gradually expanded the breadth and depth of supervision, resulting in the entire financial The regulatory costs of the system have increased dramatically. In this case, blockchain technology can greatly reduce costs for the entire financial system through tamper-proof and highly transparent methods.
According to a report released by Santander, Spain’s largest bank, if all banks around the world use blockchain technology internally around 2020, they will save approximately US$20 billion in costs per year. Such data is enough to illustrate the tremendous changes and breakthroughs that "blockchain" has brought to the traditional financial field.

In addition, due to historical reasons, traditional financial institutions rely on central clearing houses for settlement and clearing, and the resulting problem is low efficiency. Traditional cross-border settlements go through institutions like SWIFT, so cross-border wire transfers are often calculated on a daily basis. However, when Bitcoin uses blockchain technology, there is no centralized operating organization at all.It has been running flawlessly for seven years, not only able to achieve real-time settlement and liquidation, but also without any accounting errors.
So, if all financial systems can achieve decentralized real-time settlement and clearing, it will not only greatly improve global financial efficiency, but also change the pattern of global finance.

Ⅲ Application of Blockchain in the Financial Field

1. Application and Development of Blockchain

Some Internet, Internet start-ups and traditional financial industries Started to try out applications in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions are testing the waters one after another, and they are basically in the conceptual experimental stage and have not yet reached a large scale. Commercial scale.

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

Bills are an important financial product in the financial market. They have dual functions of payment and financing. They are of high value and bear bank credit or commercial credit. Once a bill is issued, its face amount, date and other important information cannot be changed. Bills also have circulation attributes and can be accepted, endorsed, discounted, rediscounted, collected and other transactions within a specific life cycle. Once the transaction is completed, the transaction cannot be revoked. There are two characteristics in the circulation of bills: First, the circulation of bills mainly occurs through bank acceptance bills, and the number and circulation of commercial acceptance bills are small; second, each bank independently conducts credit granting and risk control on the bill business, and a single bank's Risk control results may affect other participants in the bill market transaction chain.

The experimental production system of the digital bill trading platform uses SDC (Smart Draft Chain) blockchain technology to protect privacy through cryptographic algorithms such as homomorphic encryption and zero-knowledge proof. The Byzantine Fault Tolerance Protocol (PBFT) performs consensus and uses a see-through mechanism to provide data monitoring.

The experimental production system includes four subsystems: stock exchange, bank, enterprise and monitoring: the stock exchange subsystem is responsible for managing the blockchain and monitoring the digital bill business; the bank subsystem has Digital bills have business functions such as acceptance and receipt, discount signing, rediscounting, collection and repayment; the enterprise subsystem has the issuance, acceptance and endorsement of digital bills, discount, prompt payment and other business functions; the monitoring subsystem monitors the status of the blockchain and business occurrences in real time

6.

IV What impact does blockchain technology have on financial infrastructure? Impact

Blockchain technology uses a decentralized mechanism to exchange value, which will lead to earth-shaking changes in the existing financial infrastructure characterized by centralization.

Assets such as collateral, pledges, stocks, bonds, and derivatives usually require a trustworthy core institution for registration or custody, but blockchain can use new The way to record and save the data of these products will have an impact on the registration system of these products.

Blockchain can receive and react to information and value through smart contracts, automatically complete the transfer of value, and automatically complete transactions, clearing and settlement, which will impact existing large-amount trading systems and securities Existing financial infrastructure such as depository, securities settlement and over-the-counter derivatives trading.

IV What is the relationship between blockchain technology and the financial industry

Blockchain technology has the advantages of being difficult to tamper with and easy to trace. It can be used in identity information management, trust mechanism construction, small and micro enterprises, etc. The corporate credit information chain will play a role.

Here we can give an example of a bank in Nanping:

Due to the explosion of online business, the original offline signing method can no longer satisfy the bank. With the demand for rapid business changes, the digital construction of banks is urgent, but bank risk control departments have strict compliance requirements:

Is the online business data sensitive and private, and is the transmission safe?

Does electronic signature have legal effect?

Is electronic evidence admissible in court?

These concerns have become obstacles for banks to introduce electronic contracts and carry out digital transformation of their businesses.

After adopting the unique ENA active evidence collection patented technology of the "Real Hammer" trusted electronic evidence platform, a bank in Nanping used the notary office to clean the server to preserve and store the electronic data of the target system online in real time. With the issuance of certificates, the entire process of electronic data from generation, transmission to storage is recorded. Finally, the notary office issues an evidence collection and preservation report stamped with the official seal. The document is a notarized document and can be directly accepted by the court. Since the report is issued by the notary public office, it is relevant. Compared with the self-certification of third-party electronic contract platforms, it is more credible and solves the concerns of bank risk control departments in one fell swoop. The entire process is online and automated, and front-end customer operations are imperceptible.

At the same time, combined with the "real hammer" middle and back-end case-like system and outsourced execution services, the bank has achieved rapid dispute resolution in Internet business. It not only ensures the compliance and effectiveness of the electronic contract signing process, but also solves the problems of bank cases being scattered across the country, high legal travel costs, long litigation cycles, and no efficient disposal channel.

VI What are the prospects of blockchain finance

1. In fact, the combination of blockchain technology and finance is not accidental. simpleSimply put, the blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low efficiency of capital use, and high payment processing costs.

2. From a practical perspective, Bitcoin is not equal to blockchain. Digital currency is only one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.

3. Industry insiders pointed out that although blockchain technology has The application prospects are broad, but there are currently only a few projects that have actually been implemented in Suisui and have produced social benefits. Blockchain technology is in the early stages of development and still needs to be viewed rationally. The next step is to use blockchain technology to explore digital economic model innovation. Add impetus to the optimization of the business environment and provide support for promoting high-quality economic development.

Ⅶ What is blockchain technology and how does it change business and financial models

Blockchain technology is a distributed ledger technology that allows multiple participants to jointly maintain a secure, transparent and immutable record on a decentralized network. Blockchain technology was originally developed for Bitcoin This digital currency was originally designed for use in many other fields.

The core features of blockchain technology include:

Decentralization: Blockchain does not Central control agency, data is distributed across various nodes in the network, which makes it decentralized and reduces the risk of single points of failure.

Transparency: Transaction records on the blockchain are All participants are public and anyone can view these records. This helps increase trust and reduce the risk of fraud.

Immutable: Once a transaction is recorded on the blockchain, it cannot be Easily modified or deleted. This ensures the integrity and security of data.

Smart contracts: Transactions on the blockchain can be automatically executed to implement "smart contracts", that is, when specific conditions are met Automatically perform corresponding operations. This helps simplify complex business processes and reduce costs.

Blockchain technology has had a profound impact on business and financial models, mainly reflected in the following aspects :

Reducing costs: Blockchain technology can reduce intermediary links, reduce transaction costs and operating costs. For example, by using blockchain for cross-border payments, remittance costs can be significantly reduced.

< p>Improve efficiency: The automation and smart contract features of blockchain technology help improve the efficiency of business processes, reduce manual intervention, and reduce error rates.

Enhanced trust: The transparency and smart contract features of blockchain technology Non-tamperability helps to establish a reliable trust system, reduce the risk of fraud, and provide better protection for commercial activities.

Innovative business models: Blockchain technology has spawned many new business models, such as decentralized finance (DeFi), digital asset trading, supply chain finance, etc. These new business models have brought disruptive changes to existing industries.

In short, blockchain technology, as an emerging technical means, is gradually changing the landscape of business and finance. With the continuous development of technology and the in-depth promotion of applications, blockchain is expected to have a more extensive and far-reaching impact in the future

ⅧWhy blockchain has always played a huge role in the financial world

We all know that blockchain is a very important tool in the investment industry. The same investment of 10,000 yuan ten years ago will reap extraordinary returns. But at that time, I bought 10,000 yuan of Kweichow Moutai stock, and now I only hold 150,000 yuan. But if you hold 10,000 yuan in Bitcoin until now, congratulations, you have assets of over 100 million yuan. Why does blockchain always play a huge role in the financial world?

To prevent single points of failure and systemic risks, the financial industry needs to conduct audits to control financial risks. And the current regulatory intensity is gradually increasing, especially the previous financial crisis that made the threshold for controlling this platform higher. The entire financial system has increased costs in many aspects. The technology of blockchain plays a role in reducing a large number of costs in finance by preventing tampering and being transparent.

Blockchain is like our commonly used ledgers. Whoever keeps accounts has a certain reason and strength. WeChat’s ledger is kept by the large platform Tencent, and the same is done by small Internet companies. It will also have its own ledger. But in the blockchain, everyone in the system can be the owner of the ledger. If there is a change in the data when you are in charge of this ledger, the system will record the person with the best accounting and the highest efficiency, so that the entire system It will allow everyone to have a complete ledger. This is the impact of simple and abstract blockchain technology.

The best time to learn blockchain was 10 years ago and now. Cai Kangyong once said: "At the age of 18, you find it difficult to speak English, so you give up English. At the age of 28, a great job, but you have to say "I can't." "But when we return to the topic of blockchain, its value lies in whether it can change our lives. The peer-to-peer blockchain allows you to complete the payment between two countries within 5 seconds, reducing the cost of your transaction. Reduced. But the blockchain that cannot be traded twice can prevent you from being "violently evicted". The secure blockchain allows you to protect your secrets to the maximum extent, and there are no more harassing phone calls. The blockchain also It allows you to enjoy the large-scale development of the sharing economy platform. Therefore, although blockchain is not a perfect technology, as long as it can change our lives, its value, like a mobile phone, cannot be ignored.

We all know that it is the winners who change the world.These winners are Tencent, Alibaba, Google and Facebook, as well as many Internet companies that we are familiar with. They are changing the world while delivering staggering returns to investors.

We must know that Rome was not built in a day. Similarly, the value of blockchain also needs to be explored and utilized by ourselves. Blockchain is also developing slowly amid fluctuations and doubts. Most Bitcoin holders were not able to earn the maximum profit. Only a few people who truly understood the blockchain and had firm confidence in it persisted until the end. Only those who had an in-depth study of the blockchain Only after you understand it can you have your own ideas. Learning blockchain is not just about learning its operating model and concepts, but also applying it to actual work, so that it can continue to exert value in finance.

Ⅸ How can blockchain technology be correctly applied to the financial industry

Looking back at 2008, blockchain technology has demonstrated the changes it can bring in different business fields. Although this technology is still in its infancy, it has already changed many industries. Various properties of blockchain, such as decentralization, immutability, and transparency, can transform business models. Especially for the banking and finance industry.

Although there are still many problems, blockchain has the potential to reduce costs and labor for the financial and banking industries. According to a Deloitte report, 24% of financial institutions around the world are familiar with blockchain technology, and North America will be more familiar with these technologies than other places. Considering the broad applicability of this technology, companies are gradually looking for different areas where blockchain can be applied.

Especially in the banking and finance industry, hundreds of funds are moving from one end of the world to the other every day. This makes the global financial system one of the industries that can profit from blockchain applications. The banking and financial industry requires a lot of manual labor. If there are any errors at this time, it will have a great impact on the financial system. According to the Global Fintech Report, in 2017, 77% of Fintech institutions hoped to use blockchain as a financial production system by 2020.

Application of blockchain in banking industry

For a basic understanding of blockchain technology and operation methods, the real question in your mind may be: Is blockchain really Can the land be applied in the banking industry? If so, how can we best leverage blockchain technology? And, most importantly, will blockchain stay where it is or move forward?

According to a report from Harvard Business School, blockchain is now to the banking industry what the Internet is to the media. Blockchain can solve many problems in the banking and financial industry. Blockchain technology has all the characteristics that reliable technology should have, including financial-related businesses.

Blockchain can provide a high level of security, especially when exchanging data, informationand money etc. At the same time, this also allows users to take advantage of a transparent network architecture with very low operating costs, and at the same time, get decentralized help. These characteristics will make blockchain a very stable, reliable and popular solution for the banking and financial industry.

If financial institutions want to ensure the safety of funds, they need many intermediaries. Yet these intermediaries make the entire industry more expensive. And, because there are so many people involved in the process, the chances of errors increasing. Blockchain technology can ensure the security of transfers, while also providing users with a better experience and lower costs.

Cases of banks using blockchain technology

Although banks and financial institutions were still skeptical about blockchain technology in the early days, things have changed now. . With the success of blockchain in many fields, the banking industry is looking for new areas and applications of blockchain.

Some large companies, such as JP Morgan, are confident about the future development of blockchain. The U.S. investment bank headquarters has also begun research and implementation of blockchain technology. The Quorum project is an enterprise distributed ledger and smart contract platform that can support fast transfers and throughput to solve problems in the financial industry, banks, etc. According to current news, they have issued annuity certificates with different interest rates based on distributed registries.

In addition to these, major US banks have obtained patent certificates issued by the US Patent Office. The document talks about the deployment of permissioned blockchains to ensure the security of records and to authenticate corporate and personal data.

This system will allow certified members to obtain data and record all individual members. In addition, the system will use blockchain technology to integrate multiple existing data storage platforms. This secure single network will provide overall efficiency while also reducing the number of addresses where user data is stored.

Another institution is Goldman Sachs. Goldman Sachs is also actively integrating into the research of distributed registration technology. In order to serve startups in the blockchain industry and solve the volatility of digital currencies, Goldman Sachs has invested in digital currency projects.

Goldman Sachs Group aims to become Wall Street’s leader in digital currencies. Setting up their own digital currency transactions can help them manage digital transactions well.

Cases of using blockchain technology in finance

As more application cases emerge, blockchain technology has the potential to change the current financial and banking industry. This technology can change the current banking industry through the following points:

Reduce fraud

In any project involving finance, there will be fraud. In addition, from the most basic financial model point of view, security is also the most important. More than 40% of financial entities and intermediaries, such as stock exchanges, suffer significant losses every year due to financial theft incidents.

Centralized database systems are used for financial management and operations. However, centralized databases are easy to be invaded. If there is a problem at a single point, a cyber attack will occur. Once a hacker gains access to such a system, it is easy to steal funds. This will create a need for more secure systems, with adequate security guarantees to prevent such attacks.

Since the blockchain is distributed, there is no single point of destruction. Each transfer stored in the form of blocks will be protected by an encryption mechanism and is difficult to be attacked.

Moreover, all blocks are connected to each other. Due to the mechanism of this connection, if a block is changed, all other blocks on the blockchain will immediately reflect the change. Therefore, this will help track the intrusion while also giving the hacker no chance to make changes to the entire system. With a secure blockchain system, we can prevent cyberattacks and now attacks on the banking and financial industry.

Customer identity verification Banks and financial institutions are very worried about this, so they must perform AML and KYC to reduce losses. All these processes take a lot of time, and all banks and financial institutions need to conduct all verifications independently.

According to investigation reports, this type of process costs between US$6 million and US$50 million every year. Some customer due diligence is to reduce money laundering and attacks. Currently, banks need to upload customers' KYC data to a centralized registration agency, which is used to verify the information of old or new customers.

With the application of the blockchain system, the customer verification of each bank or financial institution can also be used by other banks, and these KYC verifications do not need to be performed multiple times.

In other words, through blockchain technology, a lot of duplication of work can be eliminated. Moreover, in the not-too-distant future, all financial institutions will have access to updated customer information, reducing costs for administrators and management agencies.

Smart Assets

Trade finance becomes difficult when all assets need to be recorded with clear date and time stamps. The global supply chain includes many institutions and individuals, and participants are constantly conducting transactions. The documentation here is more complex. Blockchain can store records of these smart assets in digital form. The smart asset system will not only move items, but also track the trajectory of items.

Intelligent asset tracking systems for banks and financial institutions are also now facing a lot of competition. Banks with rich data can turn this data into customer value through blockchain.

Smart Contracts

The application of smart contracts can prove the importance of the banking and financial industry. Smart contracts are codes that can execute themselves when certain conditions are met.

When using financial transfers, smart contracts are very helpful to increase speed and simplify complex processes. Only when the conditions in the code are met, the contract will be executed and the transfer information will be ensured to be very accurate. And since these terms are visible to everyone, the chance of errors is much reduced.

Trade Finance

Trade finance is considered to be one of the most useful applications of blockchain technology in the banking industry. All parties involved, such as complex transfers, can be recorded on the blockchain network, and traders and banks share this information through a common ledger. Once a certain condition is met, the smart contract will run automatically and relevant parties can see all actions that occur.

According to relevant news, some start-ups have successfully conducted blockchain-based transaction transfers. This process usually takes 7-10 days, but now it only takes 4 hours. Compared with current infrastructure, using blockchain can significantly reduce the generation of certificates, tickets, and other fees.

Why does the banking industry need blockchain?

1. The current banking system is highly dependent on paper documents and current systems. Trustworthy and stable system upgrades are now needed to prevent any fraud and solve expansion and security issues. Blockchain technology and its decentralized nature can give the banking system the high-end technology it is looking for.

2. Banks cannot operate independently, and many transfers now go through intermediaries. Cross-border transfers take 5 days and involve many risks. Through the blockchain system, banks can make transfers very fast without taking any risks. The banks themselves are enough to solve these problems.

3. The world is moving towards digitalization. The speed of economic development is also gradually increasing, and there is no doubt that this speed will be faster. Blockchain technology will make small-amount transfers faster, while ensuring lower fees and transfer scalability.

4. In addition to banks, financial service companies are gradually using the latest technology to reform their systems and ensure market security by providing reliable services and lower rates. Banks and other financial institutions should embrace new blockchain technology to make their livesEcosystem ensures security.

There are still many challenges to the integration of blockchain technology

Blockchain technology certainly has its advantages, but it also contains many challenges, especially for the financial and banking industries. of institutions.

Interoperability: Blockchain technology will not be bound by any international regulations, so there are no standards. As large industries, such as banks, increase their interactivity requirements, blockchain needs to be compatible with different systems and be accepted by the public. The integration of existing systems and blockchain is a very big challenge for the current system, because the existing system cannot be completely replaced. If blockchain technology can enable multiple systems to work perfectly together, then operational feasibility will be fully met.

Privacy: The endorsement of banks and financial institutions is the trust people place in depositing funds into them. If you want blockchain to replace them, it is important to ensure that the data stored in the blockchain is stored securely and does not change anyone's identity. Since transfer information is conducted publicly on the blockchain, private chains also need to be studied, which will also help solve interactivity issues.

Encryption: Private keys are a necessary element of the blockchain system because they play a very important role in ensuring personal data on the blockchain. However, once the private key is obtained, it must be stored very securely because if lost, there is no way to get it back. Moreover, there are loopholes in the encryption method used to store data, which also makes the blockchain easily vulnerable to hackers.

Security: The blockchain network is safe and reliable because it incorporates encryption technology. In order to prevent hacker attacks, any encryption performance in this type of system requires a lot of computing power. . When a blockchain network is used in any banking institution, it must be encrypted through multiple security protocols. The network needs to have enough computing power to prevent anyone from taking control except under specific access permissions. Depending on these requirements, such systems or institutions integrated into blockchain can be permissioned or permissionless. People within these organizations need to be able to handle different levels of access permissions to save the entire network from fraud and cyber attackers.

Scalability: The growth of existing data is undeniable. As the population grows, so does the size of the database. This will bring great challenges to the application of blockchain. Networks created through blockchain should be able to handle increasing traffic while also maintaining the speed of network participants. If blockchain technology can be applied to current banking systems and institutions, it must be able to guarantee the ability to handle these data flows.

Energy consumption: Most blockchain networks are based on a proof-of-work mechanism, in which network participantsThey are rewarded for how quickly they solve problems, which will also result in new blocks being put into the network based on how quickly they solve problems. This allows the entire network to operate stably while also increasing energy consumption. This type of computing power consumes a lot of electricity and has an impact on the environment. These issues need to be addressed through other incentive mechanisms before blockchain technology can be embraced.

Legal supervision: If blockchain is applied to the banking industry, international regulatory regulations are very necessary. Now, as the most popular application of blockchain, digital currency has no regulatory regulations, which has pros and cons. However, if blockchain is applied in the banking and financial industry, then regulation will be needed to prevent people from causing trouble due to losses.

Conclusion

Although regulations are very strict for the banking industry, financial institutions have also begun their journey to adopt blockchain technology as a solution. Banking giants have begun testing to find potential uses for decentralized technology.

Institutions are investing heavily in research into blockchain solutions. By allowing blockchain to enter the current industry, many problems will be solved. Because this technology makes the system more transparent, reliable, and easy to use.