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区块链金融:应用、风险与监管

作者:刘亮 吴笙 出版日期:2017年05月 报告页数:12 页 报告大小: 报告字数:10055 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2017) 浏览人数: 下载人数:

文章摘要:区块链金融作为分布式数据存储、点对点传输、共识机制、加密算法等当前金融科技领域最前沿技术的集成应用,有助于提升金融资源配置效率,促进金融体系整体的稳定。但其仍然没有脱离金融风控的本质,潜在的技术风险、系统性风险和法律风险实则更为突出和复杂。本文分析了区块链金融的主要应用场景、潜在风险以及各国的监管思路,提出了一系列未来监管的思考,以期有助于监管者改进监管体系和完善监管政策。

Abstract:Integrating the most advanced technologies in the FinTech field,such as distributed data storage,peer-to peer transmission,encryption algorithm,block chain finance is supposed to promote the efficiency of resources allocating and the stability of whole financial system. However,it fails to get rid of the essence of risk management of finance,especially its potential technical,systematic and legal risks and so on. On the basis o... 展开

Abstract:Integrating the most advanced technologies in the FinTech field,such as distributed data storage,peer-to peer transmission,encryption algorithm,block chain finance is supposed to promote the efficiency of resources allocating and the stability of whole financial system. However,it fails to get rid of the essence of risk management of finance,especially its potential technical,systematic and legal risks and so on. On the basis of analyzing the major application scenarios,potential risks and regulatory patterns of block chain finance in other countries,this paper puts forward a series of thinking related to its supervision,hoping to help the supervisors improve the regulatory system and policies.

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作者简介

刘亮:刘亮,苏州大学东吴商学院金融系副教授。

吴笙:吴笙,苏州大学东吴商学院硕士研究生。