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为什么银行对区块链技术有心无力?
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Topic: 为什么银行对区块链技术有心无力? (Read 328 times)
alphacream
(OP)
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为什么银行对区块链技术有心无力?
August 13, 2016, 08:12:33 AM
#1
尽管区块链在金融行业的发展已经持续了好几年,但始终没有出现任何实际用例。专家认为可能是因为银行忽视了区块链技术最重要的一点——去中心化。
R3的成立以及大型银行对区块链的兴趣使其成为了一种国际现象。
大型金融机构以及政府部门蜂拥而上,争相将区块链技术用于自身系统。区块链技术最突出的用例就是优化金融交易结算。
区块链用于现存系统
举个例子,银行主要将区块链技术用在他们现有的IT架构和金融系统中。主要是为了处理跨境支付、结算以及资产清算,因为区块链技术有利于降低成本、减少处理时间。
而风投公司实际上就是在跟风,他们在银行和政府机构的支持下,将投资重点从传统金融科技公司向区块链公司转移。
然而,区块链金融系统虽有数百万美元的投资,却一直无法给出一个像样的产品。
为什么去中心化很重要
银行不能完全掌握区块链技术的主要原因是他们一直企图创建私链网络。也就是说,他们不选择公开的分布式网络是出于银行的自身利益。
去中心化是区块链技术的支柱。只有去中心化才能让区块链网络突显其价值并且更加强大。
迄今为止,区块链技术最成功的用例还是比特币,因为从本质上说,比特币网络是完全去中心化的也是透明的。
金融监管
银行对区块链的应用显然还跟金融监管部门有关。
监管部门要求银行严格遵守认识你的客户(KYC)和反洗钱(AML)法。因此银行只能创建私链网络以便记录客户的私人信息。
因此,除非银行能够放弃发展私链网络,否则金融行业很难实现区块链技术的进一步发展。
数据驱动平台
银行自身存在的这种情况也在很大程度上改变了区块链技术在市场上的发展。越拉越多的初创公司对区块链的应用从金融方面转向了数据平台。
这类平台在保险、房地产以及贸易金融行业成效显著。欧洲顶尖的区块链公司已经发布了好几款针对各个行业的区块链产品。
btcmaroc
Full Member
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Activity: 140
Merit: 100
Re: 为什么银行对区块链技术有心无力?
August 13, 2016, 09:05:57 AM
#2
其实银行担心的就是去中心化吧,如果货币都去中心化了,还要他银行干嘛,他们就该失业了吧!
skyred_flyyang
Full Member
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Activity: 126
Merit: 100
⇾
Re: 为什么银行对区块链技术有心无力?
August 13, 2016, 02:08:17 PM
#3
学习了,什么时候才能够应用啊!
man0faction
Full Member
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Activity: 147
Merit: 100
Re: 为什么银行对区块链技术有心无力?
August 14, 2016, 05:48:21 AM
#4
应用在中国估计很遥远!
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