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英格兰银行:区块链每年可为银行节约数百亿美元
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Topic: 英格兰银行:区块链每年可为银行节约数百亿美元 (Read 132 times)
btcmylove
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英格兰银行:区块链每年可为银行节约数百亿美元
April 18, 2017, 05:39:43 AM
#1
暴走时评:英格兰银行非常重视区块链技术在金融业的应用和发展,成立了专门的研究团队,并积极和区块链组织接触,参与区块链项目。最近,其行长公开表示看好区块链精简交易过程,提高效率且降低成本的能力。有了中央银行的支持,相信英国区块链行业的成功指日可待。
翻译:Ina
英格兰银行(BoE)是最早成立研究团队发展区块链技术的中央银行之一,坚信区块链每年可为银行节约数百亿美元的运营成本。
银行和金融行业的其他服务供应商还在依靠过时且低效的基础设施来进行复杂的金融运营。
支付、清算和结算的过程需要大量的手动操作和批准,经常造成重大延误、交易流失和资产及合约的处理不当问题。
透明且安全的技术
研究人员和英格兰银行认为区块链是一种透明、安全且不可变的技术,银行和金融机构可以利用它在自治生态系统中处理运营事项。
由于区块链技术把资产交易和结算直接记录到分布式账本上,它就可以使银行建立一个不可更改的数据库,能够实时更新,实现透明度最大化。
在4月13日于伦敦举办的首届国际金融科技大会上,英格兰银行行长Mark Carney表示:
“证券结算似乎已经迎来了创新的成熟时机。一个典型的结算过程涉及许多中间商,这些中间商使得进程相对缓慢且运营风险较高。该行业已经开始共同决定如何使用分布式账本技术来大规模地解决这些问题。”
消除中间商
虽然银行也是中间商,但它们依赖各种第三方服务供应商来处理运营事项。支付或资产的结算和清算在被当作跨银行和跨境交易处理时可能涉及多个中间商。
英格兰银行及其他银行,包括澳大利亚储备银行和韩国银行,设想了一个基于区块链的平台,在这个平台上,许多银行可以作为网络成员参与其中,在一个透明的生态系统中进行交易和资产结算。通过依靠一个共享的账本,银行可以轻松地消除任何处理复杂结算的额外中间商。
在谈话中,Carney还提到了桑坦德银行一份关于区块链技术对全球银行业务的影响的研究报告。该文件概述了区块链的运用实现运营成本降低的场景,并指出,区块链技术每年可能会使银行的运营成本降低150至200亿美元。
桑坦德银行及其研究人员从银行的实际成本中省出了150至200亿美元,这些成本通常是由于跨境支付、证券交易和合规性监管产生的。
英格兰银行需要怎么做
目前,英格兰银行及其研究人员正在积极研究区块链技术的发展,并加入各种区块链联盟,参与包括超级账本在内的区块链项目。
除了合作项目外,英格兰银行近期还和普华永道一起展示了区块链平台的概念验证,旨在展示区块链技术在金融行业的潜力和适用性。
为了推动区块链发展,英格兰银行及其他英国政府的金融监管机构必须为银行和区块链开发商提供必要的监管框架。如果能够跨越监管障碍,那么区块链行业成功的概率将会更高。
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