马国祥
今年4月，中国工商银行金融科技研究院与可信区块链推进计划发布了银行业首个区块链白皮书《区块链金融应用发展白皮书》，对区块链在金融行业的现状和应用前景进行了调研分析。
In April of this year, the Institute of Financial Science and Technology of China's Bank of Commerce and Industry and the Credible Block Chain Advancement Programme published the White Paper on the Development of Block Chain Financial Applications in the First Block Chain in the Banking Sector, which provides an analysis of the current status and application prospects of the block chain in the financial sector.
中国工商银行金融科技研究院数字金融实验室主任马国祥日前向记者介绍了相关情况。他说，目前区块链技术应用尚处在由单个业务领域探索向跨机构业务流程整合阶段。底层平台方面，国外倾向于以社区或行业联盟的方式推动底层平台的开发，而国内企业则更倾向于利用自身研发实力与行业影响力打造自主可控的底层区块链平台；技术标准方面，据不完全统计，截至2020年初国内共有1项区块链国家标准、16项区块链团体标准、15项区块链行业标准、9项地方标准被提出；政策方面，国外区块链政策主要集中在数字货币与金融监管方面，国内的金融服务也是区块链政策布局和引导的重点。
The director of the Digital Financial Laboratory of the Institute of Financial Science and Technology of the Chinese Bank of Commerce and Industry informed journalists about the situation. He said that the technology application of the block chain was still being explored in individual business areas for integration into cross-institutional business processes. On the bottom platform, foreign firms tended to promote the development of the bottom platform in a community-based or industry-based manner, while domestic firms preferred to use their research and development strengths and industry influence to build an autonomous bottom-block chain platform. On the technical standards, according to incomplete statistics, there were 1 block-chain national standard, 16 block-chain group standards, 15 block-chain industry standards, and 9 local standards as of early 2020.
马国祥表示，金融的本质是经营信用，区块链的出现使很多传统互联网中因信任粒度或信任成本问题难以进行线上融合的场景有了创新的可能，具体表现在信任强化、跨机构合作、数据共享新模式、业务流程重塑四个方面。
Ma Guoxiang stated that the nature of finance is to operate credit, and the emergence of block chains has made it possible to innovate in many traditional Internet settings where trust particles or trust costs make it difficult to integrate online, as evidenced by the strengthening of trust, inter-agency cooperation, new patterns of data-sharing and business process re-engineering.
金融领域区块链应用创新并非将传统业务直接迁移上链，而是利用区块链信任提升的特性简化业务流程、节约人力物力成本，对金融业务进行赋能与增效。马国祥认为，现在联盟链模式是金融领域应用的主要方向。“目前区块链在金融领域的应用主要集中在供应链金融、贸易金融、资金管理、支付清算、数字资产等业务方向。”
Innovation in the application of block chains in the financial sector is not a direct migration of traditional operations to the upper chain, but rather a simplification of business processes, savings in human and material costs, and efficiency gains in financial operations, using the characteristics of the chain of confidence-building. The coalition chain model is now considered to be the main direction of the financial sector. “The current segment chain application in the financial sector is focused on the operational directions of supply chain finance, trade finance, fund management, payment liquidation, digital assets, etc.”.
据了解，工商银行区块链应用紧跟国家政策，在助力打赢脱贫攻坚战、雄安新区建设、“一带一路”等重大决策而进行的一些具体项目中进行了实践探索。
It is understood that the business bank block chain follows national policies closely and that practical exploration is carried out in a number of specific projects that contribute to major decisions such as the fight against poverty, the construction of a new district, and the “one-way” process.
尽管区块链在金融领域的应用取得了一些进展，但马国祥认为，眼下，区块链技术更多的还只是一种“信任提升”的工具，实际应用中需要链内链外协同保证数据真实性。另外，对于交易并发量极大、瞬时交易峰值高的场景，目前区块链技术还有待改进。
Although there has been some progress in the application of block chains in the financial field, the country believes that, for the time being, block chain technology is more than just a “trust enhancement” tool, and that practical applications need to ensure the authenticity of data from within and outside the chain. Moreover, there is still room for improvement in block chain technology in the case of large volumes and instantaneous peaks of transactions.
“我们相信，随着国家对区块链的不断重视和政策支持，包括技术标准、隐私保护、性能效率、链内外协同等问题将逐步得到解决；在各方的共同推动下，区块链技术在赋能应用融合创新、促进金融服务提质增效、融入产业链助推实体经济、共建一体化新型服务生态方面将发挥越来越大的作用。”马国祥说。
“We are confident that, with the continued attention and policy support of the State on the block chain, including technical standards, privacy protection, performance efficiency and synergies within and outside the chain, the role of block chain technology in enabling the application of integrated innovation, promoting financial services for improved efficiency, integration into the industrial chain for the promotion of the real economy, and co-building of a new ecosystem of integrated services will gradually be addressed.” The Ma'am says.
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