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去中心化将是大势所趋,金融机构应深入认识区块链
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Topic: 去中心化将是大势所趋,金融机构应深入认识区块链 (Read 154 times)
hdd3go
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去中心化将是大势所趋,金融机构应深入认识区块链
April 12, 2017, 01:13:27 PM
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在中国掀起一轮又一轮针对互联网金融的整顿监管“运动”时,欧美发达国家趁机加大投入力度,大力发展科技金融。人工智能投资顾问,区块链技术支撑的数字货币,各种人工智能金融服务包括人脸识别、指纹加密、智能语音等技术都开始运用到金融领域。
科技金融发展可以用日新月异来形容。世界大型资产管理公司、保险公司等在智能投顾上从研发到生产,现在已经开始投入运用了;区块链数字货币的比特币在日本、加拿大等开始进入结算手段领域了,美国已经将区块链运用到石油市场交易之中了。
近日,普华永道发布的调查报告显示:中国金融从业人员尚未对金融科技有足够的重视,在运用已经较为广泛的区块链技术中,有30%的受访者表示完全不知道区块链技术,有40%的受访者仅在新闻中读到过区块链技术,这说明金融科技的普及程度仍然较低。
显然,中国在科技金融发展上已经落伍,目前在中国商业银行中开展的区块链研究与应用都是浅层次概念化的。
2017年1月初,邮储银行推出基于区块链的资产托管系统,资产托管系统以区块链的共享账本、智能合约、隐私保护、共识机制等四大机制为技术基础,选取了资产委托方、资产管理方、资产托管方、投资顾问、审计方等五种角色共同参与的资产托管业务场景,实现了托管业务的信息共享和资产使用情况的监督。特别值得注意的是,区块链解决方案实现了信息的多方实时共享,免去了重复信用校验的过程,将原有业务环节缩短了约60%-80%。
对于科技金融最重要组成部分的数字货币,区块链技术异常重要。区块链技术有可能重构金融行业底层架构,区块链有降低信任风险、架构灵活、降低运作成本、实现共享金融等优势,可以广泛运用于点对点交易、登记、确权、智能管理等业务当中。
全球未来趋势是去中心化,这个大势所趋金融机构必须把握。而区块链是金融去中心化的核心技术,金融机构必须站在更高领域来认识区块链技术。
网络会从目前的几百个大节点变成几百万个大节点,把每个小网络看作一个节点,节点之间的连接将四通八达。比如中国与美国这两个大网络之间的连接将不再是可以数得清的海底光缆,而是无数的链路,是计算不出来的拓扑,到时候墙恐怕就做不起来了。
而区块链技术的一个特征就是点对点的去中心化。这个世界在不断地从科层制之中去中心化。我们已经见证了很多技术和商业领域去中心化的过程,可以认为,这一趋势将会在未来20年中继续发生。
只要还有一些中心化的东西存在,我们就可以讨论如何将其去中心化。比如说,银行业。银行一直是非常中心化的一个行业,于是我们可以来谈论一下,如何将金融服务去中心化,变成分享经济模式,同时又分享影响力。
回到区块链技术支撑的数字货币上,去中心化的交易是一种技术的变革,用户可以凭借授权码在此平台上交易,这样就会发生个体与个体进行的交易,P2P贷款等行为。银行将不再存在。比特币是一种很有潜力的电子货币,但它有很多不被认可的问题,比如安全问题,但还是应该对它进行关注,因为货币的去中心化也是未来的趋势。(北青网)
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