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通过区块链技术提升互联网金融风控水平 防范金融风险
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Topic: 通过区块链技术提升互联网金融风控水平 防范金融风险 (Read 156 times)
sorji
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通过区块链技术提升互联网金融风控水平 防范金融风险
November 03, 2017, 03:57:17 AM
#1
目前,全球关于区块链的热度不减,常常被市场视为是可能与大数据、移动互联网、云计算等新技术共同推动经济金融转型升级的第五次颠覆式产业革命浪潮。
在现行的金融分业监管体制下,目前市场上没有一家风控和征信领域内的企业拥有全面的履约和业务行为记录。企业常常采用传统反欺诈方式存在着诸多的弊端。这时区块链技术的出现在风控方面大大减少了人工核对的成本,提升了互金风控的效率和安全性。为互联网金融行业起到了重要的技术支撑。
那区块链技术是什么呢?简单的可以概括为一种新型去中心化协议,可以安全地存储各类交易数据,信息不可伪造和篡改,可以自动执行智能合约,无需任何中心化机构的审核。
区块链核心技术的特性
分布式记账、分布式传播、分布式存储,去中心化保证了系统内的数据存储、交易验证、信息传输。通过时间戳来记账,形成了一个不可篡改、不可伪造的数据库。所有权的信任是算法式信任,非对称加密算法保障交易数据的可信度。实现了可编程的智能合约,使系统可能去处理一些无法预见到的交易模式。
提高互金风控的有效性
区块链是一个由所有参与者共同记录信息,由所有参与记录的节点共同存储,并且不可随意篡改的数据库。在这个区块链数据库中,每个用户节点都拥有整个数据库的完整拷贝,并且当某个用户节点要对数据库写入数据时,它需要向区块链网络广播这些数据,以便其余用户节点对这些数据进行验证审核操作。
只有全网共同验证和认可后,数据才能写入区块链,并且一旦数据写入区块链后,就不能随意修改或删除。这样一个用区块链技术构建的数据库,对于互联网风控有效性的提高有重要意义。
区块链的工作量证明机制
让系统中的每一台计算机节点参与审批每一笔交易的真实性。该系统内置检查和平衡机制,以确保系统中的任何计算机都无法欺瞒系统。所有的这些审查和监督完全由计算机自动完成。更加重要的是,区块链让系统中的每个节点都完全透明,因此对于互金征信方面区块链技术能够很容易的对它进行审查和管理,从而有效地降低了欺诈行为。
区块链技术防范金融风险
资金的真实需求和流向缺乏有效的监管机制,在一定程度上助长了房地产市场的非理性上涨。区块链技术可以在互联网互利共盈的发展目标下,有效规避和防范风险。实现互联网金融的可持续、均衡的发展。
区块链是个有大前景的领域,随着技术的发展,目前已应用于在区块链+支付、区块链+票据、区块链+防伪溯源等等领域。但是互联网金融的本质还是金融,就必然会存在信用风险、流动性风险等问题,只有借助以区块链为代表的新兴技术,互联网金融风险管理水平才能不断得到提升。
xkwpbxyk
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Re: 通过区块链技术提升互联网金融风控水平 防范金融风险
November 03, 2017, 03:09:51 PM
#2
有难度,你不能指望每个人都记住私钥
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通过区块链技术提升互联网金融风控水平 防范金融风险
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