区块链在财务领域的应用有哪些,区块链在财务领域的应用论文

① What accounting problems do you think blockchain technology can solve

Blockchain technology uses computers to answer some propositions that the human brain cannot calculate. These propositions generally cannot The method is to judge through reverse reasoning, which can only be tried one number at a time, so this is our legendary mining. Therefore, the stronger the computing power of the computer, the easier it is to try the correct number, which means that our mining is successful.
This is completely different from the calculations in accounting. Most of the calculations in accounting use floating point calculations, which are completely different things.

② What are the potential application scenarios of blockchain in the financial field?

Because the digital currency first produced by blockchain technology has had a huge impact on the financial field, research and application areas Blockchain technology has become an important task in today’s financial field. In essence, blockchain technology is still a technical means and tool. Its application in the financial field and its application in the real economy are both parallel. They have their own relative independence, but there is a certain overlap, that is, It is said that the promotion effect on the real economy is indirect. 1. Regardless of finance or entity, one of the foundations of transactions between supply and demand is trust. The current banks, enterprises, enterprises, people, etc. all use currency as a link. The right to issue currency lies with the state, and the right to operate lies with banks. With the further popularization and widespread application of blockchain technology, in the future, enterprises and enterprises, or individuals and individuals can self-organize the issuance of digital currencies (digital credit). Banks’ The status will change from the current monopoly operation to the operation of equal competition in the market. Therefore, the widespread application of blockchain technology in the financial field has an indirect impact on the real economy. 2. Blockchain technology is the bridge between reality (entity) and virtuality. Through blockchain technology, the real world can be recreated, reconstructed and redefined in the virtual world. For example, real banknotes are digital currencies in the virtual world, real stock transactions are digital stock transactions in the virtual world, and real import and export trade are digital settlements, digital customs clearance, digital documents, bills, etc. in the virtual world. It greatly improves the efficiency of business processes and saves transaction costs. At present, all transactions are inseparable from banks. Banks play the role of central hubs in transactions. Banks' application of blockchain technology will definitely improve the efficiency of their settlement and indirectly promote the efficiency of the real economy. However, this impact will gradually weaken in the future. Because the biggest feature of blockchain technology is decentralization, its distributed accounting system is a centerless network system. 3. The application of blockchain technology is actually to valorize and credit the information currently flowing on the Internet, and to reorganize and restructure the information in the Internet (use value, exchange value, cultural value) through the blockchain. The formation of the Internet of Value is of great significance and will bring revolutionary promotion to both the financial industry and the real economy.

③ The practical significance of blockchain design for hospital intelligent financial systems

1. Promote the integration of financial systems. At this stage, financial management work is mainly performed by the information system.System expansion, in addition to HIS system, also includes LIS system, PACS system and OA system [5]. At present, except for some hospitals with advanced technology in developed areas, most hospitals have not yet achieved a high degree of integration between various systems. Therefore, differences in basic operating algorithms, data collection and feedback methods lead to poor timeliness in the disclosure of information in each module's financial system. Unable to meet government departments’ requirements for fiscal transparency. With the support of blockchain technology, the hospital's various module systems can operate in an integrated manner, and the data of different sector systems can be extracted and shared in a timely manner, which to a large extent has consolidated the integration of accounting, budget execution, fund receipts and expenditures, and financial analysis of the hospital's financial systems. Base. 2. Deepen the content of financial management. As the medical reform continues to deepen, the business volume of medical institutions has increased, and the requirements for refined financial management have become higher. However, the current level of segmentation of hospital financial management work is far from sufficient. Under the diversified changes in medical insurance, expenditures, etc., the lag in information statistics seriously hinders the accurate and automated operation of the financial system. Strictly speaking, hospital financial management only covers budget management, cost management, etc. Subsequent other expenses are prone to gaps in the calculation process and cannot meet the needs of the integrated process of financial functions. Therefore, the existing financial work should be sorted out, with financial budgets, revenue and expenditures, etc. as the source of management, and medical project research funds, operating funds, expenditure approval, etc. included in the scope of financial management. The introduction of blockchain technology into the hospital's financial management system can not only realize the above-mentioned financial management steps, but also investigate and track the use of funds in real time, achieving traceability of the source and clarity of the destination during the process of investigating the direction of the funds. Integrating horizontal development of financial content in this way can fully improve the efficiency of hospital financial management. 3. Improve the efficiency and accuracy of hospital financial management. Hospital financial management plays an important role in the daily operation of the hospital and determines the accuracy of the hospital's financial information. Hospitals should focus on improving financial management to prevent and control hospital economic crises caused by poor financial management. From the perspective of current enterprise financial management, the application of blockchain technology and AI intelligence is the overall development trend. Therefore, combining blockchain technology is an important starting point for upgrading hospital financial management systems. Affected by the characteristics of the hospital industry and the limitations of technical means, financial management in the past was mostly based on post-event inspection and accounting, with early intervention in financial changes and a relative lack of in-process control. Faced with increasingly detailed cross-department financial data, the traditional financial management audit model requires a lot of manpower in terms of evidence inquiry, audit judgment, and financial budgeting. The distributed accounting technology and weak centralization characteristics of blockchain technology make After being audited and verified by the blockchain network node, the financial transaction data is recorded and has the remarkable characteristics of being automatic, efficient, and complete in time and space [6]. The hospital financial system built using blockchain technology can collect various effective financial data in real time and conduct dynamic analysis based on smart contracts, greatly improving the efficiency and accuracy of hospital financial management and ensuring the safety of financial management of various departments in the hospital. . 4. Strengthen financial budget management. Traditional hospital financial management is usually based on manual use of past equipment., budget management of drug usage range, some hospital financial managers believe that they only need to allocate resources in accordance with the requirements of superior departments, which results in the intelligent financial system not being well implemented into the hospital's financial budget management system. The smart contract part contained in blockchain technology can effectively enhance hospital fund control. The so-called smart contract is a program that automatically processes assets based on preset conditions based on blockchain technology. Blockchain technology has the characteristic of not relying on third-party participation. Therefore, only the funds allocated to the budget part are entered into the blockchain from the source, and the traceability and destination of the budget funds can be clearly and transparently presented [7]. The smart contract mechanism can ensure the reasonable use of budget funds and clearly prevent illegal use. In addition, blockchain technology can monitor budget execution in real time and provide early warning for changes in budget data that are used differently. With the help of the self-transaction settlement (liquidation) function in smart contracts, transaction settlement (clearance) can be automated and rapid, significantly reducing the error rate of financial personnel and improving budget execution effects. Source: Source: Friends of Accounting (Issue 03, 2021)

④ Application of blockchain in the financial field

1. Application and development of blockchain
< br /> Some Internet, Internet start-ups and traditional financial industries have begun to try to apply it in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions have begun Testing the water is basically in the conceptual experimental stage and has not yet been commercialized on a large 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, using cryptographic algorithms such as homomorphic encryption and zero-knowledge proof for privacy protection, and through the practical Byzantine fault-tolerant protocol ( PBFT) conducts 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, and collection and repayment; the enterprise subsystem has business functions such as issuance, acceptance, endorsement, discounting, and prompt payment of digital bills; the monitoring subsystem monitors the status of the blockchain in real time and business occurrences

6.

⑤ What are the applications of the hot blockchain technology in the financial system

Blockchain Application Center imApp2 Version .0 has been officially launched
Blockchain Application Center imApp version 2.0 has been officially launched. imApp is the world's first blockchain application store that provides dividends to all people. It aims to create a super entrance to the blockchain industry and make it easier for users to use blockchain applications. The interface of imApp version 2.0 is more concise and beautiful, the function has added news and DAPP, and the content has enriched the guessing game. Users can obtain the IMAPP Ecological Pass IA by browsing, forwarding, downloading, updating, and opening applications through IMAPP. imApp has officially reached a strategic cooperation with the Bitcoin Diamond Foundation. The ecological token IA can be exchanged for Bitcoin Diamond BCD at a certain ratio.

⑥ Big data and blockchain technology are changing the accounting industry

As the most popular technologies at the moment, big data and blockchain have a very important impact on the reform of the accounting industry. . Big data technology has increased the amount of digitizable accounting information, enabled the digitization of original financial information and non-financial information, and expanded the management scope of financial personnel, especially senior financial personnel. In the process of informatization, accounting is faced with the fact that the reliability of accounting information cannot be guaranteed. The digitization of false accounting information will affect marketing management decisions. The birth of blockchain technology has solved the problem of the reliability of accounting data. question. The accounting industry must seize opportunities and actively use big data and blockchain technology to promote industry changes. At the same time, accounting practitioners must also adapt to industry changes by improving their professional qualities.

In terms of big data's accounting data information, due to the characteristics of big data itself, when companies involve big data analysis, they need more overall data rather than sampled data samples. They need data. The overall relationship rather than individual data to enhance the relevance of accounting data information. Accounting data information can be learned through the big data platform to learn about the strategies adopted by different companies for the same type of projects.The processing and accounting methods make it easier for companies to compare. At the same time, under the background of big data, enterprises can process and transmit accounting data information in a timely manner through the Internet to ensure the timeliness of accounting data information.

Due to its "decentralization" idea, blockchain can be used to process accounting data and information, which can effectively ensure the correlation between data. At the same time, due to the trust-free nature of blockchain, Decentralization also enhances the security of information transmission and can prevent theft and tampering of information to the greatest extent, thereby solving information security problems and ensuring the reliability and authenticity of accounting data information. At the same time, under blockchain technology, when there is a new update to the information, the information on all nodes will be updated and cannot be modified, making the information more timely. When the blockchain records information, users in the chain network need to confirm the authenticity of the accounting behavior. After recording, it cannot be modified. Each party maximizes the interests of the data, thus making some bad phenomena completely disappear.

Accounting has gone from traditional simple bookkeeping to today's reasonable tax payment. In the future, more aspects of management will be carried out through the management of financial data. Facilitated by big data and blockchain, the previous branches of accounting, financial accounting and management accounting, will merge. The new platform brought about by the introduction of big data technology and blockchain technology will allow accountants to not only become accounting experts, but also programmers for professional management of big data, that is, accounting talents with multiple types of auxiliary skills. , becoming a new accounting talent with outstanding value in the new era, will promote the accelerated integration of management accounting and financial accounting.

Big data and blockchain technology integrate accounting data information, increase the quantity of accounting information and ensure the quality of accounting information, making financial management capabilities an essential ability for accountants and senior accountants. Your management capabilities will be strongly highlighted. Accountants engaged in basic accounting work are also facing the test of changes in the accounting industry and need to master more management accounting and information decision-making.

Faced with massive amounts of accounting data, accounting practitioners need to master a variety of efficient data analysis methods through big data technology, comprehensively analyze and judge data information, so as to help enterprises make correct plans. Also propose problem-solving strategies. Accountants organically combine computer technology with accounting knowledge, and use big data and blockchain technology to gradually modify traditional account books into a new platform based on big data and blockchain technology.

⑦ Can blockchain distributed database be practically used in corporate accounting information systems? Why

Blockchain distributed database,
Can it be used in corporate accounting information systems? practical application.
Blockchain distributed database is like a public ledger,

It should naturally be able to record corporate accounting information.
Any information that needs to be saved can be written to the blockchain,
and can also be read from it,
so it is a database.
A shared, distributed database technology,
an intelligent peer-to-peer network that can identify, disseminate and record information through distributed databases.

⑧ Zheshang Bank’s “simplified reimbursement” pilot application of blockchain helps enterprises reduce costs and increase efficiency

Since the outbreak, enterprise operations have generally been severely affected, and in special circumstances During this period, enterprises need to find ways to "tighten their belts", and using technology to reduce costs and increase efficiency is a wise choice.

Zheshang Bank keeps up with the new development pattern, exports technology to the outside world, improves internal management efficiency, and overcomes difficulties together with enterprises. Its independently developed SaaS-based expense control software - Minimalist Reimbursement, fully utilizes the advantages of blockchain technology in data confidentiality and sharing, and achieves a multi-dimensional simplified reimbursement process, which can reduce the cost of enterprises by about 20%. Financial reimbursement work shortens the reimbursement cycle by 30%, helping enterprises reduce costs and increase efficiency.

As we all know, blockchain technology is one of the most promising technologies in recent years. This shared distributed database technology is mainly used in finance, public services, information security, Internet of Things, supply chain, etc. In the field, through smart contracts, we can achieve the purpose of data openness, transparency, non-tamperability, and point-to-point transactions to improve efficiency. During the epidemic, blockchain applications that have been gradually implemented have penetrated more deeply into all aspects of work and life of enterprises and individuals based on past practice and exploration.

For example, Zheshang Bank independently developed a SaaS-based expense control software - Minimal Reimbursement. It was the first to try blockchain technology in payment and successfully used blockchain technology in Advantages in data confidentiality and sharing.

Specifically, the reimbursement business of Simplified Reimbursement automatically generates a payment list through document submission and approval, and registers the generated to-be-paid list data to the blockchain platform. The blockchain platform ensures the reliability, security, and non-tamperability of the data to be paid through technologies such as digital signatures, encryption algorithms, and consensus mechanisms. At the same time, customers can directly obtain the payment list data from the blockchain platform and store it in the bank-enterprise direct connection system for payment in the form of data signature, realizing the sharing of payment list data between banks and enterprises.

Not only that, based on blockchain technology, minimalist reimbursement can also build a business travel alliance chain with banks, enterprises, airlines, catering companies, etc., and realize the realization of different industries through the distributed ledger characteristics of blockchain. , data sharing between different enterprises can simplify the reimbursement process to a greater extent, and ultimately help customers improve their expense management capabilities and achieve cost reduction and efficiency improvement.

In the process of expense management, enterprises will more or less encounter problems such as blocked processes and cumbersome offline operations. The minimalist reimbursement can allow employees, financial personnel and enterprises to enjoy efficiency and convenience. It has many functional highlights, let me explain them one by one:

For employees, they no longer have to worry about advances, invoices, and reimbursements when traveling, using cars, purchasing, or dining. Minimalist reimbursement creatively opens up a model in which "employees do not advance money, do not issue invoices, and do not reimburse themselves; the enterprise has one account, one invoice, and one payment". And a reimbursement credit system has been established. Under the credit system, the higher the credit score, the shorter the approval time, and the faster the reimbursement payment will be received.

For financial personnel, minimalist reimbursement also provides financial personnel with work convenience to the greatest extent. It can be said that the functions of all-employee scanning and automatic invoice verification are the favorites of employees and finance. Among them, all-employee scanning allows employees to directly upload attachments such as invoices during the reimbursement process, so that companies do not need to set up dedicated scanning personnel or purchase scanning equipment, and the storage and retrieval of electronic materials are worry-free and convenient. At the same time, the system automatically checks, so financial personnel no longer have to worry about the authenticity of invoices.

For enterprises, minimalist reimbursement is a "data warehouse" that can provide useful information for management decisions. As a large collection of enterprise expense data, Simplified Reimbursement has massive data and can generate multi-dimensional expense analysis reports, advance booking statistical reports, input tax accounting detailed reports, employee current payment reports, etc., which can truly help enterprise management decisions.

Open banking has gradually become the direction of digital transformation for commercial banks. In recent years, Zheshang Bank has actively promoted the platform service strategy to build a comprehensive service platform of "technology + finance + industry + customers", and its internal management technology has also been gradually exported to the outside world.

It is understood that as a free cost control product provided by Zheshang Bank to strategic customers, Jiefang Reimbursement already has hundreds of thousands of individual users, and its customers cover the manufacturing, service industry, commercial enterprises, financial industry, It is used in many industries such as construction, Internet, and hospitals, and is used by many large, medium, and small enterprises such as listed companies, central enterprises, and city commercial banks.

Judging from customer feedback, the use of minimalist reimbursement has been widely recognized. Taking a certain city commercial bank as an example, the original paper-based application model, unfixed business travel booking channels, and offline approval processes have all been improved through automation technology in simplified reimbursement, reducing the company's costs by more than 20%. In the reimbursement work, the reimbursement cycle has been shortened by 30%, and employee satisfaction has been greatly improved. The system's budget management module supports multi-dimensional settings, controls corporate budgets, automatically generates accounts, and various report management provides financial personnel and managers with more decision-making information.

Another example is a listed company that is troubled by tedious matters such as paper approval, invoice verification, and manual accounting. Minimalist Reimbursement uses functions such as online mobile approval, automatic invoice verification, and automatic generation of accounts by the system. The approval efficiency of leaders has been greatly improved. System automation and process reengineering have reduced the workload of basic financial work by about 40%. Finance can also report department expenses, abnormal reimbursement invoices and other matters to leaders through data reports. (Jin Wen)