区块链文献_区块链_其他_其他下载-pudn.com

<html xmlns="http://www.w3.org/1999/xhtml"> <head> <meta charset="utf-8"> <meta name="generator" content="pdf2htmlEX"> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <link rel="stylesheet" href="https://static.pudn.com/base/css/base.min.css"> <link rel="stylesheet" href="https://static.pudn.com/base/css/fancy.min.css"> <link rel="stylesheet" href="https://static.pudn.com/prod/directory_preview_static/6261ffe0dfdd9a1c0c46363d/raw.css"> <script src="https://static.pudn.com/base/js/compatibility.min.js"></script> <script src="https://static.pudn.com/base/js/pdf2htmlEX.min.js"></script> <script> try{ pdf2htmlEX.defaultViewer = new pdf2htmlEX.Viewer({}); }catch(e){} </script> <title></title> </head> <body> <div id="sidebar" style="display: none"> <div id="outline"> </div> </div> <div id="pf1" class="pf w0 h0" data-page-no="1"><div class="pc pc1 w0 h0"><img class="bi x0 y0 w1 h1" alt="" src="https://static.pudn.com/prod/directory_preview_static/6261ffe0dfdd9a1c0c46363d/bg1.jpg"><div class="t m0 x1 h2 y1 ff1 fs0 fc0 sc0 ls0 ws0">NEW FINANCE</div><div class="t m0 x2 h3 y2 ff2 fs1 fc0 sc0 ls0 ws0"> 2017</div><div class="t m0 x3 h4 y3 ff3 fs0 fc0 sc0 ls0 ws0">总第</div><div class="t m0 x1 h5 y4 ff4 fs0 fc0 sc0 ls0 ws0">339</div><div class="t m0 x4 h4 y3 ff3 fs0 fc0 sc0 ls0 ws0">期</div><div class="t m0 x5 h6 y5 ff4 fs2 fc0 sc0 ls0 ws0"> 4</div><div class="t m1 x6 h7 y6 ff5 fs3 fc0 sc0 ls0 ws0"> April </div><div class="t m2 x3 h8 y7 ff6 fs4 fc0 sc0 ls0 ws0">24</div><div class="t m3 x7 h9 y8 ff7 fs5 fc1 sc0 ls0 ws0">博 士 后 征 文</div><div class="t m3 x8 ha y9 ff7 fs6 fc0 sc0 ls0 ws0">引言</div><div class="t m3 x9 hb ya ff8 fs1 fc0 sc0 ls1 ws1">近年来<span class="_ _0"></span>，以比特币为代表的数字货币对全球金融体系的</div><div class="t m3 x8 hb yb ff8 fs1 fc0 sc0 ls2 ws2">影响正在逐步加剧<span class="_ _0"></span>，而其核心技术区块链已经引发了科技界</div><div class="t m3 x8 hb yc ff8 fs1 fc0 sc0 ls2 ws2">和学术界等多方关注<span class="_ _0"></span>。区块链是一种去中心化的分布式总账</div><div class="t m3 x8 hb yd ff8 fs1 fc0 sc0 ls1 ws1">技术<span class="_ _0"></span>，运用密码学方法产生相关联的数据块<span class="_ _0"></span>，每个数据块中</div><div class="t m3 x8 hb ye ff8 fs1 fc0 sc0 ls2 ws2">记录了一定时间内全网的交易信息<span class="_ _0"></span>，通过数字签名验证信息</div><div class="t m3 x8 hb yf ff8 fs1 fc0 sc0 ls0 ws0">有效性，并链接到下一个区块。</div><div class="t m3 x9 hb y10 ff8 fs1 fc0 sc0 ls3 ws3">国际货币基金组织（<span class="ls4 ws4">IMF<span class="_ _1"></span><span class="ls3 ws3">）曾提出区块链“具有改变金融</span></span></div><div class="t m3 x8 hb y11 ff8 fs1 fc0 sc0 ls5 ws5">的潜力”<span class="_ _2"></span>；<span class="_ _2"></span>英国政府在《分布式账本技术<span class="_ _3"> </span>：<span class="_ _2"></span>超越区块链》的报</div><div class="t m3 x8 hb y12 ff8 fs1 fc0 sc0 ls2 ws2">告中也指出了区块链应用于传统金融行业的潜力<span class="_ _3"> </span>；<span class="_ _2"></span>我国央行</div><div class="t m3 x8 hb y13 ff8 fs1 fc0 sc0 ls0 ws0">于<span class="_ _3"> </span>2006<span class="_ _3"> </span>年举行了数字货币研讨会，<span class="_ _4"></span>探索数字货币多场景应用，</div><div class="t m3 x8 hb y14 ff8 fs1 fc0 sc0 ls6 ws6">工信部也发布了《中国区块链技术和应用发展白皮书》<span class="_ _5"></span>，首次</div><div class="t m3 x8 hb y15 ff8 fs1 fc0 sc0 ls7 ws7">提出我国区块链标准化路线图</div><div class="t m3 xa hc y16 ff8 fs7 fc0 sc0 ls0 ws0">[1]</div><div class="t m3 xb hb y15 ff8 fs1 fc0 sc0 ls7 ws7">。目前<span class="_ _0"></span>，区块链技术的应用</div><div class="t m3 x8 hb y17 ff8 fs1 fc0 sc0 ls1 ws1">已从数字货币领域发展到了金融服务<span class="_ _0"></span>、信用认证等领域<span class="_ _0"></span>，有</div><div class="t m3 x8 hb y18 ff8 fs1 fc0 sc0 ls0 ws0">望成为产业链金融发展的新动力。</div><div class="t m3 x9 hb y19 ff8 fs1 fc0 sc0 ls8 ws8">本文梳理剖析了区块链技术的颠覆性特征及与产业链金</div><div class="t m3 x8 hb y1a ff8 fs1 fc0 sc0 ls2 ws2">融的结合点<span class="_ _0"></span>，并研究了其在商业银行产业链金融领域应用的</div><div class="t m3 x8 hb y1b ff8 fs1 fc0 sc0 ls2 ws2">市场潜力和可行性<span class="_ _0"></span>，同时分析了区块链技术的发展环境和挑</div><div class="t m3 x8 hb y1c ff8 fs1 fc0 sc0 ls0 ws0">战，并在此基础上提出了商业银行的应对措施。</div><div class="t m3 x8 ha y1d ff7 fs6 fc0 sc0 ls0 ws0">一、区块链技术创新在金融应用中潜力巨大</div><div class="t m3 x9 hb y1e ff8 fs1 fc0 sc0 ls5 ws5">区块链技术具有颠覆性的创新优势，主要包括<span class="_ _3"> </span>：<span class="_ _6"></span>（一）基</div><div class="t m3 x4 hd y1f ff9 fs8 fc0 sc0 ls9 ws9">区块链技术在商业银行产业链金融中的</div><div class="t m3 xc hd y20 ff9 fs8 fc0 sc0 ls0 ws0">发展探索</div><div class="t m3 xd he y21 ffa fs0 fc0 sc0 ls0 ws0">方燕儿 何德旭</div><div class="t m3 xe hf y22 ffa fs9 fc0 sc0 lsa wsa">内容提要<span class="_ _3"> </span>：</div><div class="t m3 xf h10 y23 ffb fs9 fc0 sc0 lsa wsa">区块链技术正在全球掀起一股热潮，<span class="_ _0"></span>越来越多的金融机构开始投入到区块链技术的探索研</div><div class="t m3 x10 h10 y24 ffb fs9 fc0 sc0 lsb wsb">究和发展推动中。区块链具有基于时间戳的块链结构<span class="_ _0"></span>、非对称的加密算法<span class="_ _0"></span>、共识证明机制、灵活编程的智</div><div class="t m3 x10 h10 y25 ffb fs9 fc0 sc0 ls0 ws0">能合约、<span class="_ _1"></span>分布式记账与存储等技术创新点，<span class="_ _1"></span>形成了其去中心化、<span class="_ _1"></span>协同自治、<span class="_ _7"></span>公开市场化、<span class="_ _7"></span>合约智能化等特征，</div><div class="t m3 x10 h10 y26 ffb fs9 fc0 sc0 lsc wsc">与产业链金融系统原理上相契合。由此<span class="_ _0"></span>，本文深入分析了区块链技术在产业链金融发展中的市场潜力和可</div><div class="t m3 x10 h10 y27 ffb fs9 fc0 sc0 lsc wsc">行性，同时梳理剖析了区块链技术在我国金融领域的发展环境以及存在的困难<span class="_ _0"></span>，在此基础上为商业银行提</div><div class="t m3 x10 h10 y28 ffb fs9 fc0 sc0 ls0 ws0">出了应对策略。</div><div class="t m3 xe hf y29 ffa fs9 fc0 sc0 ls0 ws0">关键词<span class="_ _3"> </span>：</div><div class="t m3 x11 h10 y2a ffb fs9 fc0 sc0 ls0 ws0">区块链 产业链金融 商业银行 共识机制</div><div class="t m3 xe hf y2b ffa fs9 fc0 sc0 ls0 ws0">中图分类号<span class="_ _3"> </span>：</div><div class="t m3 x12 h10 y2c ffb fs9 fc0 sc0 ls0 ws0">F832.33 </div><div class="t m3 x13 hf y2b ffa fs9 fc0 sc0 ls0 ws0">文献标识码<span class="_ _3"> </span>：</div><div class="t m3 x14 h10 y2c ffb fs9 fc0 sc0 ls0 ws0">A </div><div class="t m3 x15 hf y2b ffa fs9 fc0 sc0 ls0 ws0">文章编号<span class="_ _3"> </span>：<span class="_ _2"></span>1006-1770（2017）04-024-04</div><div class="t m3 x16 hb y2d ff8 fs1 fc0 sc0 lsd wsd">于时间戳的块链结构<span class="_ _8"></span>，即将所有交易记录在相关联的区块</div><div class="t m3 x16 hb y2e ff8 fs1 fc0 sc0 ls1 ws1">中<span class="_ _0"></span>，信息记录带有时间戳且不可篡改<span class="_ _0"></span>，保证了交易活动的可</div><div class="t m3 x16 hb ya ff8 fs1 fc0 sc0 ls5 ws5">追踪查询<span class="_ _3"> </span>；<span class="_ _6"></span>（二）非对称的加密算法，即，区块链的加密和解</div><div class="t m3 x16 hb yb ff8 fs1 fc0 sc0 ls1 ws1">密过程使用的是一对非对称的密钥对<span class="_ _0"></span>，用公钥加密<span class="_ _0"></span>、私钥解</div><div class="t m3 x16 hb yc ff8 fs1 fc0 sc0 lse wse">密<span class="_ _8"></span>，私钥可以对信息签名<span class="_ _0"></span>，而对应的公钥可用以验证签名<span class="_ _8"></span>，</div><div class="t m3 x16 hb yd ff8 fs1 fc0 sc0 lse wse">并实现了透明数据背后的匿名性<span class="_ _9"> </span>；<span class="_ _a"></span>（三）共识证明机制<span class="_ _8"></span>，包</div><div class="t m3 x16 hb ye ff8 fs1 fc0 sc0 ls0 ws0">括<span class="lsf wsf"> <span class="_ _3"> </span>PoW</span>（<span class="lsf wsf">Proof <span class="_ _3"> </span>of <span class="_ _3"> </span>Work</span>，工作量证明机制）<span class="_ _5"></span>、<span class="lsf wsf">PoS</span>（<span class="lsf wsf">Proof <span class="_ _3"> </span>of </span></div><div class="t m3 x16 hb yf ff8 fs1 fc0 sc0 ls0 ws0">Stake，权益证明机制）<span class="_ _5"></span>、<span class="ls10 ws10">DPoS</span>（Delegated <span class="_ _b"> </span>Proof <span class="_ _3"> </span>of <span class="_ _3"> </span>Stake，股</div><div class="t m3 x16 hb y10 ff8 fs1 fc0 sc0 ls2 ws2">份授权证明机制）和各种拜占庭容错算法<span class="_ _0"></span>，区块链的共识证</div><div class="t m3 x16 hb y11 ff8 fs1 fc0 sc0 ls0 ws0">明机制设计主要由业务需求来决定，目前在<span class="_ _3"> </span><span class="ls11 ws11">DPoS<span class="_ _9"> </span></span>下，能实现</div><div class="t m3 x16 hb y12 ff8 fs1 fc0 sc0 ls0 ws0">每秒数十万笔的交易量，<span class="_ _5"></span>可满足大多数金融业务的需求</div><div class="t m3 x17 hc y2f ff8 fs7 fc0 sc0 ls0 ws0">[2]</div><div class="t m3 x18 hb y12 ff8 fs1 fc0 sc0 ls0 ws0">；<span class="_ _c"></span>（四）</div><div class="t m3 x16 hb y13 ff8 fs1 fc0 sc0 ls1 ws1">灵活编程的智能合约<span class="_ _0"></span>，即<span class="_ _0"></span>，各种特定合约条款可灵活编程到</div><div class="t m3 x16 hb y14 ff8 fs1 fc0 sc0 ls1 ws1">区块链系统中<span class="_ _0"></span>，实现合约的自动执行<span class="_ _0"></span>，保证了区块链技术在</div><div class="t m3 x16 hb y15 ff8 fs1 fc0 sc0 ls5 ws5">未来发展的可持续进化<span class="_ _3"> </span>；<span class="_ _6"></span>（五）分布式记账与存储，即，区块</div><div class="t m3 x16 hb y17 ff8 fs1 fc0 sc0 ls2 ws2">链的记账和存储功能分配给了每个节点<span class="_ _0"></span>，所有节点共同组成</div><div class="t m3 x16 hb y18 ff8 fs1 fc0 sc0 ls0 ws0">的超级大数据库，使得系统具有强大的容错能力</div><div class="t m3 x19 hc y30 ff8 fs7 fc0 sc0 ls0 ws0">[3]</div><div class="t m3 x1a hb y18 ff8 fs1 fc0 sc0 ls0 ws0">。</div><div class="t m3 x1b hb y19 ff8 fs1 fc0 sc0 ls12 ws12">区块链的这些技术创新形成了其去中心化<span class="_ _8"></span>、协同自治<span class="_ _0"></span>、</div><div class="t m3 x16 hb y1a ff8 fs1 fc0 sc0 lsf wsf">公开市场化、合约智能化等特点</div><div class="t m3 x1c hc y31 ff8 fs7 fc0 sc0 ls0 ws0">[4]<span class="_ _d"> </span>[5]</div><div class="t m3 x1d hb y1a ff8 fs1 fc0 sc0 lsf wsf">，与产业链金融系统的理</div><div class="t m3 x16 hb y1b ff8 fs1 fc0 sc0 ls2 ws2">念在一定程度上具有相似性<span class="_ _9"> </span>：<span class="_ _4"></span>一是区块链技术和产业链金融</div><div class="t m3 x16 hb y1c ff8 fs1 fc0 sc0 ls2 ws2">系统都体现了去中心化的思想<span class="_ _0"></span>。区块链系统的去中心化的网</div><div class="t m3 x16 hb y32 ff8 fs1 fc0 sc0 ls1 ws1">络中<span class="_ _0"></span>，每个节点都保存了区块链的全部信息<span class="_ _0"></span>，不存在单独的</div><div class="t m3 x16 hb y33 ff8 fs1 fc0 sc0 ls6 ws6">集中化的数据库<span class="_ _3"> </span>；<span class="_ _2"></span>产业链金融网络中各个主体之间相互交易，</div><div class="t m3 x16 hb y1e ff8 fs1 fc0 sc0 ls2 ws2">交叉串联形成了去中心化的贸易网络<span class="_ _0"></span>。二是区块链技术和产</div></div><div class="pi" data-data='{"ctm":[1.567838,0.000000,0.000000,1.567838,0.000000,0.000000]}'></div></div> </body> </html>