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《麻省理工科技评论》:区块链如何将金融服务惠及穷人
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Topic: 《麻省理工科技评论》:区块链如何将金融服务惠及穷人 (Read 166 times)
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《麻省理工科技评论》:区块链如何将金融服务惠及穷人
April 24, 2017, 01:28:16 AM
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比尔&梅林达·盖茨基金会的一个项目打算使用分布式分类帐技术来帮助世界各地20亿没有银行账户的人群。
全球有20亿人没有银行账户,所以必须用现金进行交易,这可能会难于管理,并带来安全问题。而来自比特币的底层技术——区块链能否帮助他们获得金融服务呢?比尔&梅琳达·盖茨基金会认为可以!区块链在本质上是一个安全可靠的数字记录保存系统,目前该基金会正在修改区块链,以帮助穷人接触到真正的经济。
该项目是盖茨夫妇基金会扶贫金融服务计划的一部分,特别是其LOP(Level One Project)项目,它给政府和央行提供了一个打造国家数字支付系统的框架,而且这个支付系统惠及全民,包括那些每天仅靠几美元度日的人群。
这些系统采用数字技术,如简单的2G手机和无线网络,以降低处理成本,并将国家现有的金融基础设施连接到一个新的数字支付平台。该系统一旦启动运行,人们就可以通过手机像发短信一样进行转账。
LOP负责人Kosta Peric认为,区块链技术可以满足其团队所认为的对于扶贫数字支付平台至关重要的一些条件。他在周二由麻省理工科技评论和麻省媒体实验室举行的区块链商业会议上对要求方面进行了概述。其中包括支持多个服务提供商,第三方应用程序,东道国国家货币和政府法规;即刻转账的能力与将服务推广至数百万人的能力;以及反欺诈和安全防护措施。
虽然区块链很符合某些系统的先决条件,但Peric认为该技术将在处理实时交易方面十分吃力,而且推广也会遇到麻烦。因为大多数区块链网络都是全球的,他担心国家政府和中央银行将无法便捷地对其进行监管。
这很重要,因为盖茨基金会只想促成这些系统的创建,而非操作或管理这些系统。Peric在会议上说:“这些平台必须受到监管,这样政府和银行才能接受……而且要进行防洗钱和恐怖主义融资等的检测。“这些平台上大多数新的服务提供商不会是银行,所以他们不熟悉如果进行欺诈管理。”
Peric认为修改后的区块链可以满足LOP项目的要求。他的团队正在与非洲和南亚的公司进行合作,以确定哪些区块链技术是最适合的。他偏向于利用技术来制定工作标准,而不是对其具体的实施下达命令。
这种系统将比目前存在于新兴市场的移动货币平台更具包容性和实用性,例如肯尼亚的M-Pesa和孟加拉国的bKash。M-Pesa在其国内市场上非常受欢迎,并已将许多无银行账户人员与正规经济联系起来,但却限制用户向其他M-Pesa用户汇款。
相比之下,Peric希望LOP项目能够创造出适用于多个国多种货币的汇款系统。 “如果我们能够使这些数字支付平台在一些非洲国家运行,并且都遵守LOP项目的原则,那么很容易将它们联系起来,”他说过。“我的梦想是,非洲作为一个整体能够成为一个大型的、可彼此协作的支付平台。”
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