摘要
在现如今社会中,已经兴起了大数据、区块链等新型科技,对经济发展方式具有极大的推动作用。为了能够跟上时代的步伐,银行业应当推进数字化转型,布局金融科技。区块链技术具有中心化、开放性等特点,在银行支付清算领域中具有重要意义。基于此,本文在对区块链技术和银行传统支付清算系统进行分析的基础上,探究了区块链技术在银行支付清算系统中的建设方法及存在的风险,并对此提出了相应的革新建议。
In today’s society,new technologies such as big data and block chain have emerged,which play a great role in promoting the mode of economic development.In order to keep up with the pace of the times,the banking industry should promote digital transformation and lay out financial technology.Block chain technology has the characteristics of centralization and openness,which is of great significance in the field of bank payment and settlement.Based on this and the analysis of block chain technology and traditional bank payment and settlement system,this paper explores the construction methods and risks of block chain technology in bank payment and settlement system,and puts forward corresponding innovative suggestions.
作者
龙婷婷
LONG Ting-ting(Shanxi Professional College of Finance,Taiyuan 030008,China)
出处
《山西经济管理干部学院学报》
2019年第3期57-60,共4页
Journal of Shanxi Institute of Economic Management
关键词
区块链
银行业
支付清算
block chain
banking industry
payment settlement
