摘要
区块链技术在金融领域的应用,将给金融业发展带来根本性变革。区块链技术主要通过以下途径驱动金融变革:一是加速数字货币进程,推动货币"去主权化";二是重构征信体系,传递信用价值;三是提高支付清算效率,推动支付清算体系"去中心化";四是挑战金融机构传统的信用中介角色,加剧金融脱媒;五是创新金融业务;六是冲击货币政策,挑战货币政策的有效性和独立性。但区块链在金融领域的应用还面临以下困境:一是区块链底层技术尚不成熟;二是区块链应用面临操作风险;三是增加了金融监管难度。
The application of blockchain technology in the financial sector will bring fundamental changes to the development of the financial industry.Blockchain technology will drive financial change mainly through the following ways:firstly,it will accelerate the process of digital currency and promote the"de-sovereignization"of currency;secondly,it will reconstruct the credit system and transmit credit value;thirdly,it will improve the efficiency of payment clearing and promote the"decentralization"of payment clearing system;fourthly,it will challenge the traditional financial institutions."Fourth,it challenges the traditional credit intermediary role of financial institutions and intensifies financial disintermediation;fifth,it innovates financial business;sixth,it impacts monetary policy and challenges the effectiveness and independence of monetary policy.However,the application of blockchain in the financial sector still faces the following dilemmas:first,the underlying technology of blockchain is still immature;second,blockchain applications face operational risks;third,it increases the difficulty of financial supervision.
作者
贺建清
舒莉芬
He Jianqing;Shu Lifen
出处
《新疆社会科学》
CSSCI
2021年第2期37-46,150,共11页
Social Sciences in Xinjiang
基金
江西社科规划项目“江西省战略性新兴产业创新成果产业化协调体系构建研究”(16GL14)
江西高校人文社会科学项目“大学生创业意愿影响因素及创业胜任力特征模型研究”(JY162012)的阶段性成果。
关键词
区块链
数字货币
信用价值
路径
应用困境
blockchain
digital currency
credit value
path
application dilemma
