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[20150929]九大银行联手制定银行业区块链技术标准
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Topic: [20150929]九大银行联手制定银行业区块链技术标准 (Read 346 times)
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[20150929]九大银行联手制定银行业区块链技术标准
September 29, 2015, 09:31:21 AM
#1
区块链技术( blockchain )是记录全网所有比特币交易的公共账户,其发展前景没人能确切预知。如今,瑞银( UBS )、巴克莱( BCS )、花旗等大银行却都一致押宝,认定其可能重塑未来的金融世界。
比特币,这个曾经网络黑暗大陆的宠儿,现又因其底层区块链技术而重新激起人们的想象,作为“金融互联网”的先导,区块链技术在简化结算过程,降低交易成本上潜力巨大,让众多银行家为之着迷。
区块链的潜在应用功能广泛,如提速股票交易,降低转账费率,提高支付效率等,但现在还没人知道哪里才是这一股颠覆浪潮的中心。
可以肯定的是,这一价值转移能力上的根本性变革(在金钱,资产,股票,契约等等方面)已然吸引了新的关注。银行家们现已不再疑问区块链是否会产生业务影响,而是急速转变立场,关心这一影响将会如何发生,何时到来。
区块链,所为何物?
本质上,区块链就像是一个用于记录和更新交易的平凡数据库。数据库概念并不新鲜, PayPal ( PYPL ) 和 Visa ( V )这样的支付公司也使用类似的记账系统来管理账户。不同之处在于,区块链寓于去中心化网络,使用分布式核算,而非由第三方中心管理。所有交易都实时显示在类似于全球共享的电子表格平台上,网络里每一用户都能实现随时访问查看。
区块链里的交易是不可逆的,意味着一旦交易记录得到确认,就不能篡改。这一公证系统在分布式网络里建立起“全网公信”,而信任问题此前只能由依托于银行或结算所之类的外部机构。
全球区块链试用潮
“区块链好比巨大的电子表格,由分布式网络里的每个人共享,并且用来进行诸如确认比特币支付等工作”。目前比特币的blockchain技术正在由财务技术公司R3进行测试,该公司已经签订了九大银行进行最初阶段的测试协议,九家银行的名单如下:
摩根大通
澳洲联邦银行
西班牙对外银行
巴克莱
高盛
瑞银
苏格兰皇家银行
瑞信银行
道富银行
纳斯达克集团( NDAQ )是首批对其私营股票系统试用区块链技术的机构之一。以比特币为基础的区块链技术将取代其目前纸质凭证系统,实现更快执行,更透明交易。
瑞银(UBS)是区块链技术的另一个先行者,于去年春天成立了区块链研发实验室,就位于伦敦最具活力金融科技孵化器Level39。瑞银区块链小组致力于“概念验证:“提出假设,进行验证,检测结果”。
巴克莱银行也在运行一项比特币孵化项目,其于周日宣布,将开始帮助慈善机构接受比特币付款。巴克莱银行也就此成为英国第一家接受数字货币的银行。
花旗集团长期以来对比特币鲜有表态,今天夏天,有报道称其已经创造了自己的数字货币,“Citicoin”。花旗透露,其内部结合了三个不同的区块链分布式总账系统,以探索更有效的方式进行价值转移。
西班牙对外银行( BBVA )和高盛( GS )也接受了区块链技术。今年七月,西班牙对外银行在区块链技术基础上重新提出了完全去中心化金融系统的设想。5月,高盛在其报告中称数字货币为市场“大势所趋”,将参与革新金钱流动方式。
而在六月,桑坦德银行( SAN )宣布正通过金融技术投资基金InnoVentures,测试区块链技术25种不同的应用可能。桑坦德认为区块链技术或许能实现每年节省200亿美元的国际交易及结算成本。
区块链的未来
区块链技术的发展前路现在还未探明,其未来指向将是更快地交易,结算,支付或是金融基础架构,我们还不清楚。银行家们正深入探索“有权限的”总帐概念,即博取区块链技术之长,但保留更高级别监管权利的私人分布式总账系统。
很明显,与这场区块链热潮一齐高涨的是比特币领域投资潮:今年已达9.15亿美元,与去年相比同比增长262.5%。
随着掘金区块链技术的研究加速,如今市场竞赛焦点在于,谁能抢得第一块蛋糕。
(本站综合整理自Cnbeta / TheStreet )
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[20150929]九大银行联手制定银行业区块链技术标准
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