银行引入区块链技术的好处有哪些,银行引入区块链的意义

Ⅰ The necessity of studying the impact of blockchain technology on the banking industry

Changing the hardware-heavy and asset-heavy model of banking technology investment through physically decentralized data storage and computing way to achieve bank risk diversification and cost transfer.

II How is blockchain technology used in the banking industry

The biggest feature of blockchain technology is decentralization, and this feature will reduce a lot of costs for the banking industry.

First of all, decentralization means that intermediaries are no longer needed to establish a trust mechanism between banking systems, saving intermediary costs.

Secondly, the development of digital currency will make it possible to realize real-time digital transactions in banks. For example, in bill transactions, bank bill transactions have always relied on a third party to realize the transfer of valuable certificates. Even electronic bill transactions require interactive authentication through information from the central bank's ECDS system. Blockchain technology can realize point-to-point transfer of value and no longer requires centralized system control. This not only speeds up the speed of ticket transfer, but more importantly, it can reduce errors caused by human factors and reduce processes. Naturally, it will reduce the bank's demand for personnel and save the bank's labor costs.

Finally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by central clearing, which is inefficient. Settlement through blockchain technology will greatly improve the efficiency of banks.

Blockchain technology also plays a major role in banks’ cross-border payment services. Today, when global trade is highly developed, cross-border payments are becoming more and more frequent, and banks often act as third-party services in cross-border trade, such as electronic transfers, asset custody, etc. However, cross-border payments generally take about 2 days to arrive, which is very inefficient and reduces the utilization of funds in transit. In blockchain technology, both parties of cross-border payments can be completed in a point-to-point manner, achieving round-the-clock payment and real-time arrival, thereby speeding up clearing and settlement, thereby improving the efficiency of bank processing business.

Another feature of blockchain technology is de-risking. Banks can build their own blockchain, which can ensure that bank customers’ transaction information and transaction records are true and valid and will not be compromised. Without any tampering, the bank can effectively identify the customer's information, understand all aspects of the customer's situation, identify the customer's abnormal transactions, and prevent being deceived by the customer, thus reducing the bank's supervision costs.

Ⅲ Does the global bank’s entry into the blockchain indicate that digital currency will become a new mainstream currency?

The global bank’s entry into the blockchain, does this indicate that digital currency will gradually become a new mainstream currency? , this is difficult, because digital currency is ultimately a new technology. Even if it is combined with the silencing technology of blockchain, it still cannot be said that it will become a mainstream currency. This is too far.

Perhaps as the proposal progresses, more and more such electronic devices will appear.Sub-currency, but it is one thing to appear, and it is one thing to become mainstream. There may be more and more forms of currency in the future, and more and more choices for transaction settlement methods, but this does not mean that the original currency system will be replaced. Disappear, just like people now use electronic payments and mobile phones to pay, but paper money still exists, but it is not as influential as before.

IV What are the blockchain banking system development companies_Application of blockchain in the banking industry

Blockchain can be said to have the most applications in the financial electronics industry. , after all, blockchain technology is not yet fully mature, and there are not many applications in China. However, blockchain technology plays a prominent role in the financial industry and can solve many problems

About blockchain Most companies are conducting research on the application of chain technology in system development in the financial industry, but there are also a few companies such as Yingtang Zhongchuang that provide development solutions, which are relatively mature

For now, there are still relatively few applications of blockchain, which mainly depends on the in-depth research and development capabilities of each enterprise on blockchain technology

IV How do you evaluate the Postal Savings Bank’s introduction of blockchain?

Personally, I don’t think that the Postal Savings Bank of China really wants to create a decentralized accounting system by introducing blockchain. The bank is a vested interest in the centralized accounting system and will not take the initiative to accept it. Technologies that have an impact on the market and business are, at best, just testing the waters. Moreover, the decentralized nature of blockchain means that it must be open to the public in order to be viable and "impervious to tampering." Blockchains made by banks will surely die.

Why do you say that? Based on security and stability considerations, banks build private chains.

Blockchains are divided into three types: public chains, alliance chains and private chains. As the name implies, they are divided according to their degree of openness. Currently, Bitcoin and Ethereum are public chains, and their model best reflects this. Blockchain is decentralized, open and transparent, and cannot be tampered with. However, the geek style is too strong, and it is not suitable for commercial environments in terms of efficiency and usability. For example, transaction confirmation is too slow, user code requirements are too high, etc. . Of course, we must also admit that it is officially because of this group of geeks pursuing freedom that the blockchain was born.

Private chains refer to chains established by some large institutions, such as the Postal Savings Bank. Some people have already commented that there are too few nodes, lack credibility, and are easily attacked by hackers.

The alliance chain can be said to be a combination of a public chain and a private chain, or an optimized version. The nodes of the alliance chain are selected in advance, and there is usually a good cooperative relationship between the nodes. While improving efficiency, it also ensures a certain degree of privacy of data. At present, this form is most in line with the social development process. It not only ensures credibility, but also provides a basis for creating new value. It is also in line with the current technological status and public awareness. Although it lacks the absolute openness of the public chain, it The blockchain is now like a newborn baby that can only drink porridge and cannot eat meat.

Of course, these three blockchains now have their own business value andTime will tell who the target users will be in the end.

VI How to apply blockchain technology in bank international settlement

At this stage, banks mainly provide remittances, collections and letters of credit in international business. Three settlement methods. There are problems of credit and exchange rate risks, low efficiency, and high costs. In addition, banks mostly use their own credit to intervene in international settlements, which can easily form their own contingent liabilities and reduce the quality of their balance sheets. Banks should actively promote innovation in international settlement business based on blockchain technology, build a new system for international settlement business, and provide safe, stable, low-cost, and efficient international settlement business.