| 以下仅列出文章摘要、目录等部分内容，如需获取完整论文资料，或原创定制、长期合作，请随时联系。 微信QQ:312050216 |
 |
 |
| 区块链技术的本质特征及其在金融领域的应用研究 —以商业银行为例 [摘要]随着区块链被纳入新基建行业，云处理、大数据等技术的出现与发展，区块链技术也开始被广泛应用各个领域，然而目前区块链技术在其应用的过程中还存在着许多亟待解决的问题。本文通过分析区块链技术在以商业银行子市场为代表的金融领域的支付清算业务、贷款业务、供应链金融业务、征信业务、数字资产业务、资金管理六大业务领域的应用实践案例分析，总结出目前区块链在商业银行应用发展中存在隐私保护与数据共享、跨区域法律和专业人才方面存在问题，从而给出一些对策及建议，如国家政府机关应继续多出台相关的法律法规和扶持政策，商业银行应加大区块链安全体系的研究的投入，构建银行业区块链联盟，加大培养专业区块链技术人才等，从而切实推进区块链技术在商业银行的应用，以期更好地推动我国金融市场的发展。 [关键词]区块链技术；商业银行；新基建；金融风险；金融监管 The essential characteristics of blockchain technology and its application in the field of finance -- A case study of commercial banks [Abstrat]With the inclusion of blockchain into the new infrastructure industry, the emergence and development of cloud processing, big data and other technologies, blockchain technology has also been widely used in various fields. However, there are still many problems to be solved in the application process of blockchain technology.In this article, through analysis of block chain technology in represented by commercial bank market in the field of financial payment and settlement business, loan business, supply chain finance business, credit business, digital assets, funds management of six major business applications in the field of practice case analysis, summed up the current block chain existed in the application development of privacy protection in the commercial bank and data sharing, cross-regional legal problems and professional talents, so as to give some countermeasures and Suggestions, such as the national government agencies should continue to publish relevant laws, regulations and policy support, commercial Banks should step up research into the security system of block chain, build banking block chain alliance,Increase the training of professional block chain technical personnel, so as to effectively promote the application of block chain technology in commercial banks, in order to better promote the development of China's financial market. [Key words]blockchain technology；commercial bank；new infrastructure 目录 一、绪论5 （一）研究背景及意义6 （二）国内外文献综述6 （三）研究内容及方法8 （四）研究思路8 二、区块链的相关理论及其在金融领域中的应用10 （一）区块链的相关概念10 （二）区块链在金融领域的应用概况12 三、区块链技术在商业银行各领域的应用实践的案例分析18 （一）供应链金融业务—浙商银行区块链供应链“应收款链平台”18 （二）支付清算业务—中国银联区块链跨境汇款服务平台20 （三）贷款业务—印度商业银行业的贷款“健康”21 （四）征信业务一平安银行的前海征信平台22 （五）资金管理业务—贵州脱贫攻坚战基金区块链管理平台22 （六）数字资产业务—招商银行信用卡中心ABS项目管理平台23 四、促进区块链技术在商业银行应用发展中的相关建议24 （一）区块链技术在商业银行应用存在的挑战24 （二）促进区块链技术在商业银行应用的建议25 结语 参考文献27 致谢29 |
