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区块链技术引发传统银行与金融科技创企激烈竞争 推动银行业塑造新商ߏ
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Topic: 区块链技术引发传统银行与金融科技创企激烈竞争 推动银行业塑造新商ߏ (Read 61 times)
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区块链技术引发传统银行与金融科技创企激烈竞争 推动银行业塑造新商ߏ
January 02, 2018, 04:31:00 AM
#1
如今的银行业务流程不仅耗时,而且成本也很高,急需安全便捷的替代方案,而区块链技术则有巨大潜力改变传统银行业。事实上,全球各大银行都已经开始试验这项技术,以减少交易参与者的数量。有的银行直接投资了区块链初创公司,有的银行则是与区块链金融科技公司进行可做。区块链技术将引发传统银行与金融科技创企激烈竞争,整个银行业也将会因此提高效率,节约成本,并创造出新的商业模式。
区块链技术引发传统银行与金融科技创企激烈竞争 推动银行业塑造新商业模式
清算和结算
目前,投资银行往往需要花费数十亿美元记录贷款和证券信息数据。知名行业咨询公司埃森哲就指出,通过使用区块链技术,投资银行可以节省高达100亿美元的资金来提升清算和结算效率。理查德·伦伯(Richard Lumb)是埃森哲金融服务负责人,他认为,目前由人工对账主导的澳大利亚证券交易所、德意志证券交易所和存托及结算机构可以最先尝试使用区块链技术完成业务重组。事实上,澳大利亚证券交易所及开始在旗下场后结算和清算业务上使用区块链系统了。
支付
根据《金融时报》的报道称,全球各国央行都在考虑在支付系统内使用区块链技术,或是利用该技术推出国家数字货币。各国中央银行已经意识到,像比特币这样的去中心化加密数字货币正在对传统法定货币构成挑战,而将区块链技术整合到中央银行的支付系统中,则可能带来潜在收益。不仅如此,商业银行也在推行自己的区块链项目。举个例子,瑞银集团(UBS)就发行了一种数字货币——“多功能结算币”,使金融机构能够将股票、债券和薪资等转移为等价值的数字代币,而不需要实际进行现金转账。这些数字代币能够在相应的合作银行直接兑换成不同的法定货币,所有的交易都将记录在区块链上。
贸易金融
如今,贸易金融基本上都是依靠纸质材料处理业务流程,比如信用证、提单等。贸易双方需要把大量纸质文件传真到世界各地。许多银行业内人士认为,区块链技术是解决贸易金融问题的最佳方法,特别是当交易参与者需要获取相同信息的时候,该技术就能发挥巨大作用。
身份管理
不可否认,银行和贷款服务提供方都需要确认客户和交易方的身份,才能提供可靠的资金支持服务。另外,监管机构也要求银行必须确认客户不是罪犯或恐怖分子。过去,传统银行不得不建立庞大的共享数据库来记录和保存客户身份数据,而且还需要进行实时更新。但现在,一些初创公司正在开发客户识别区块链系统,或许能够这一领域带来创新,包括Blockstack,Tradle和Cambridge Blockchain。
银团贷款
Emmanuel Aidoo是瑞士信贷区块链业务主管,他认为银团贷款也是一个需要区块链技术的创新领域。因为以美国为例,如果一家公司希望通过银团贷款来募集资金,那么平均需要19天才能完成融资交易,而且不管是贷款易手交易、还是提前还款,大部分沟通都需要通过传真来完成。
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