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区块链与银行的深度合作
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Topic: 区块链与银行的深度合作 (Read 148 times)
ourgot
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区块链与银行的深度合作
March 18, 2017, 01:45:08 PM
#1
随着R3CEV和Hyperledger区块链联盟的组建,各大金融机构纷纷摩拳擦掌,加入了这场金融科技竞赛。然而,银行对区块链的投资将是一个长期的过程,短期内还不能完全享受区块链技术所带来的效益。
银行管理咨询公司的首席执行官paulschaus近期表示,由于监管的不确定性,银行对区块链技术的投资在短期内很难获得回报。虽然在改善内部操作方面会收到一些短期效益,但银行必须接受长期投资的现实。
很多银行已经与区块链形成了一种非常紧密的关系,因为银行迫切希望区块链技术的应用能够在现有的基础上提高效率,降低成本。抱着这样的出发点,全球银行巨头们开始大规模拥抱区块链。
目前,一部分银行已经开始试水区块链技术,例如,澳大利亚的三大银行正试验Ripple Labs的区块链分类帐系统,其中澳大利亚联邦银行把该系统用于其附属机构之间的支付结算。巴克莱银行则选出了三个区块链相关的初创公司——Safello,Atlas Card和Blocktrace——并将其加入到巴克莱银行的金融科技孵化器中。银行业巨头花旗集团已开发了3条区块链,并在上面测试运行了一种名为“花旗币”(Citicoin)的加密货币。
管理咨询公司埃森哲(Accenture)发布最新调查结果,称90%的北美和欧洲大型银行参与了区块链支付应用研究。此外,IBM近期对全球200家银行的调查显示,15%的银行将在明年推出以区块链技术为基础的产品,65%的银行选择在未来三年推出。
然而,银行对投资回报的期望不能太高。
根据麦肯锡的测算,从全球范围看,区块链技术在B2B跨境支付与结算业务中的应用将可降低每笔交易成本约40%。但前提是,区块链的应用能够不受监管限制。银行必须对区块链产生的预期回报持温和态度,因为监管的不确定性将使得区块链的初始应用可能无法涉及到转账行为。
早期的区块链部署将会涉及到传输客户数据、合规报告、贸易融资和贷款文档。但是这些项目并不会提供完整的区块链收益。区块链技术获得最大化价值的方式是多个市场参与者共享操作成本和构建网络成本,参与者通过区块链来参与交易,其中包括转账行为。桑德斯银行2015年的一份报告显示,这样的用例可以免去中央机构和结算机制,每年可以节省200亿美元。
但在这些应用出现之前,银行仍然面临一系列挑战,schaus表示,这一过程需要的时间或将超过10年之久。
由数据引用和合规性报告带来的短期利益也十分重要,这些好处包括提高报告的准确性以及更快的信息处理,提升的客户满意度。不过,即使是为了实现这些短期效益,银行也需要重新分配资源,从而导致银行在不同的部门和业务线的成本增加。除此之外,银行还需要将这些产品与遗留系统结合在一起,在这个过程中,银行需要学会怎样以最低的成本去面临区块链带来的挑战。
目前各大银行机构正着手解决这些问题,随着各国开始承认区块链的价值,未来对区块链技术的监管将会更加完善,从而充分实现区块链技术的价值。到那时,银行长期以来对区块链技术的投资才能最大化的发挥作用,进而享受到区块链带来的一系列收益。
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