The Application Of Block Chain Technology In Mobile Digital Drafts—A Case From XY Bank

With the further development of the paper market,the problems exposed by traditional forms of notes are becoming more and more obvious in economic activities.In the paper ticket business,there are usually a credit risk,operation risk,moral risk and other risks,in the electronic bill business,low utilization rate of electronic ticket system,the people's bank of electronic paper deadline mismatch,low enterprise to the electronic bill business recognition problem.If block chain technology is used on paper,the problem of traditional paper can be solved to some extent.Around the block chain technology,this paper through the system analysis and combing related literature at home and abroad and the application of digital draft case,for the application of block chain technology in mobile digital draft provides the basis.Based on time,the analysis of mobile digital XY bank draft on the platform and the platform of business process,in combination with traditional instrument platform and draft business process,mining application block chain paper platform advantages,and build up the need to perfect the application of the platform.Through the analysis and research,the main conclusions are as follows:According to the characteristics of the block chain technology,the application of the block chain technology in the mobile digital bill can solve some problems in the traditional bill business.XY Bank's mobile digital draft platform simplifies bill business processes,can reduce bank costs,improve corporate credit,and promote economic development.If the use of digital currency in the chain,it can better reflect the digital bill to achieve point to point,the advantages of direct liquidation.