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区块链技术可以推进跨境汇款
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Topic: 区块链技术可以推进跨境汇款 (Read 199 times)
10000usdperbtc
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区块链技术可以推进跨境汇款
April 19, 2017, 01:01:09 PM
#1
传统的商业模式正在受到新型颠覆性技术的挑战,其发展速度使得“赶超”非常困难。但是,如果能够为企业和个人的问题提供解决方案,那当然会受到欢迎。该地区的大量外来人口所面临的最大的问题之一,就是跨境汇款转账。对于一个在海湾合作委员会(GCC)中价值近1000亿美元的行业,仅在阿联酋就有190亿美元,由于银行、外汇公司和中央银行充作了中间商,所以整个流程相当耗时且昂贵。
汇款流程是通过某些模型进行的,包括了预筹资金模型,后期融资模型和补助金模型。预筹资金模型以付款通道为基础,例如印度-阿联酋,阿联酋-巴基斯坦,阿联酋-中国等地;预筹资金模型允许发送代理人快速地与受益代理人或者银行结算净额,这样他们的客户能够快速获得资金。在后期融资模型中,受益银行将金额预付给受益人,因此,如果发送银行违约,他们必须自负损失。
所有的这些模型都增加了一方需承担的成本。例如,在预筹资金模型中,转账代理人必须保留一定金额作为与接收银行的定金,在大多数情况下,在无息的情况下迅速完成交易。它还需要发送相当数量的现金到其中心以结清交易,该流程也无需支付任何利息。
通常情况下,汇款到账需要一到两天的时间,涉及到了长期的数字追踪,必须经过中央银行清算的过程。
使用这种中介机构的费用一直是跨境汇款的问题之一。举个例子,类似于西联汇款(Western Union)、速汇金(MoneyGram)等汇款代理人,不管转账的金额如何,都会收取Dh10至Dh20的固定费用。这种转账代理人可以选择在接收国的商业中心收取现金,也可以将收到的金额记入接收方银行账户。前者大约需要一个小时,而后者可能需要一两天的时间,这都取决于这些转账代理人可能拥有的业务关系。
欢迎区块链技术
进入区块链时代意味着什么呢?区块链是一个开放式的分布式账本,可以有效地记录双方之间的交易,并允许用户进行实时验证交易,而且无需中央机构。
每个新交易都需网络检查,当被批准为有效后,才能被添加到区块链。
那么区块链技术是如何颠覆汇款行业呢?
第一,减少时间,典型的比特币转账只需要差不多10分钟就能被区块链网络确认。想象现在的情形,向国外的亲戚汇款需要一到两天的时间才能到账。
第二,节约成本,国外的汇款通常要收取交易的5%的佣金。发送银行、接收银行和结算的中央银行都要从中收费。而区块链避免了这些中间机构,从而显着降低成本。
根据瑞波(Ripple)的说法,区块链技术可以在跨境交易中将成本降低至少60%。在过去,这项颠覆性技术已经显示出能够使各种类型业务转型的能力。
Uber和Airbnb就已经打破了传统的商业模式,并且使得老牌玩家不得不快速改变战略或继续冒着无意义的风险。
如果区块链初创公司成功地说服了国家监管机构,汇款行业就能得以转变。掌握知识和快速适应是唯一的出路。
qianh8
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Activity: 84
Merit: 10
Re: 区块链技术可以推进跨境汇款
April 19, 2017, 02:02:08 PM
#2
推进跨境汇款,资金不就会外流吗
zhuiyi
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Activity: 378
Merit: 250
Re: 区块链技术可以推进跨境汇款
April 20, 2017, 01:16:12 AM
#3
夸镜汇款方便,但是,也要考虑到他不好的一面
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