使区块链技术更好更安全地应用于金融领域，并解决实际问题和行业痛点，应该凝聚政产学研多方力量和智慧。
Making block-chain technologies better and safer to apply to the financial sector and to address practical problems and industrial pain points should bring together the power and wisdom of political science.
当下，区块链技术在金融领域的应用已经取得了一定进展和一些初步成果。但现阶段，区块链技术距离在金融领域大规模商用仍有较长的路要走，距离真正融入日常生产生活和社会治理体系也还需要较长的一段时间。
At this point, there has been some progress and some initial results in the application of block chain technology in the financial field. At this stage, however, there is still a long way to go for large-scale commercialization in the financial sector, as well as for real integration into day-to-day production and social governance systems.
结合初步调研，目前来说，区块链技术在金融领域的应用主要呈现以下特点：从资源投入看，大部分样本机构重视探索区块链技术在金融领域的应用，逐步加大投入专业人员参与相关研发、应用等工作。从应用场景看，丰富多元，以信息的登记存储溯源、供应链金融、资产交易、保险为主。从技术架构看，绝大部分以构建联盟链为主，65%的样本机构采用开源区块链底层平台实现业务搭建以节省研发时间，35%的样本机构探索开展区块链底层平台自主创新研发。从项目进展看，目前很多区块链金融应用项目是样本机构结合自身业务痛点，基于区块链技术对已有业务进行的改造，多数项目处于启动实验性验证或者小规模试用阶段。从核心技术看，样本机构使用PBFT（实用拜占庭容错）的比例达到55%，成为比较主流的共识机制，很多样本机构采用多链架构进行系统设计，从而使其适应更多复杂的金融业务场景，很多样本机构都将以提升区块链技术应用的交易吞吐量作为重点技术攻关方向。
In the context of preliminary research, the following features characterize the application of block chain technology in the financial sector: from the point of view of resource inputs, most sample agencies focus on exploring the application of block chain technology in the financial field, gradually increasing the involvement of professionals in research and development, and so on. From the application landscape, there is a wealth of diversity, based on the registration and storage of information, supply chain finance, asset transactions, and insurance. Most of the technology architecture is based on the building of union chains, while 65 per cent of the sample agencies use open-source block bottom platforms for time-saving research and development, and 35 per cent of the sample agencies explore autonomous innovation in block chain bottom platforms.
同时，区块链技术在金融领域的应用目前也存在不少风险。一是隐私性有待加强，同时，用于隐私保护的密码学新技术尚不成熟，如组合环签名、零知识证明、同态加密等容易形成数据膨胀、性能低下等问题。二是由于得不到有效监督，上链前数据的真实性和完整性无法保证。三是区块链智能合约存在不确定性，图灵完备的智能合约过于灵活，一旦有漏洞被利用，将会造成不可挽回的损失。四是密钥安全是区块链可信的基石，窃取或删除私钥等会危害相关资产或数据所有者的权益。五是目前区块链架构要满足金融系统可用性与业务连续性要求还有一定难度。
At the same time, there are a number of risks associated with the application of block chain technology in the financial field. First, privacy needs to be strengthened, and new cryptography techniques for privacy protection are not yet mature, such as combination loop signatures, zero-knowledge certification, same-state encryption and so on. Second, because of lack of effective oversight, the authenticity and integrity of pre-link data cannot be assured. Third, there is uncertainty about block chain intelligence contracts, and Turing's sophisticated smart contracts are too flexible to cause irreparable losses once loopholes are exploited. Fourth, key security is the cornerstone of the chain's credibility, and the theft or removal of private keys could jeopardize the rights and interests of asset or data owners. Fifth, there is some difficulty in meeting the financial system's availability and business continuity requirements in the current block chain architecture.
那么，要使区块链技术更好更安全地应用于金融领域，并解决实际问题和行业痛点，应该凝聚政产学研多方力量和智慧。
So, for block chain technology to be better and safer in the financial sphere and to address practical problems and industry pains, there should be a convergence of power and wisdom in political science.
在政策监管层面，应加强研究，密切跟踪，重点关注区块链技术在金融领域应用可能对现有法律体系和监管框架带来的影响与挑战。探索建立对区块链等新兴技术应用的识别、评估和管理机制，对依法合规、风险可控、服务于实体经济的区块链技术创新和发展给予引导规范和适度包容。对于有违技术发展规律和损害金融秩序的不法行为和乱象，应保持高压态势，持续采取措施重拳打击，坚决遏制歪风邪气，并切实引导将区块链技术发展与此类乱象有效切割。在行业协会层面，搭建政府和市场之间沟通桥梁，客观反映问题诉求，正确解读监管政策，促进双向良性互动。按照“共性先立、急用先行”原则，围绕技术发展和业务场景重点环节，逐步完善区块链技术和应用标准体系。切实加强公众教育，不断强化公众风险意识和自我保护观念，远离各类打着区块链技术创新旗号的非法金融活动。
At the policy and regulatory level, research and close follow-up should be strengthened, focusing on the implications and challenges that the application of block-chain technology in the financial field may have for existing legal systems and regulatory frameworks. Explore mechanisms for the identification, assessment and management of new and emerging technology applications, such as block-chains, that will lead to compliance with the law, risk-controllability, and technological innovation and development of block-chains serving the real economy, with due tolerance.
在从业机构层面，扎实练好内功，深入研究区块链底层技术，推进区块链底层平台的持续优化演进，加大区块链人才培养力度，加快形成自主创新体系，不断实现区块链核心技术突破。充分考量金融业务场景实用性，做好产品技术验证和项目推广，逐步走出实验室测试和内部试点，加速推动区块链技术在金融领域应用的商业落地。坚持走正道，充分考虑监管要求和法律适用问题，持续提升风险防范意识和能力，做到风险管控安排与产品服务创新同步规划、同步实施。（肖翔：中国互联网金融协会战略研究部负责人、互联网金融标准研究院副院长）?
At the institutional level, work is done in depth to develop techniques at the bottom of the block chain, promote continuous optimization of the block chain platform, accelerate the development of an autonomous system of innovation, and achieve continuous technological breakthroughs at the core of the block chain. Take full account of the usefulness of the financial business scene, conduct product technical validation and project extension, step out of laboratory testing and internal piloting, and speed up the commercialization of the application of block chain technology in the financial field. Follow the right path, take due account of regulatory requirements and the application of the law, continuously raise risk prevention awareness and capacity, and synchronize risk control arrangements with product service innovation planning and implementation. (Short: Head of the Strategic Research Department of the China Internet Finance Association, Vice-President of the Internet Financial Standards Institute?)
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论