| Block chain is a technology derived from bitcoin exchange platform,and it has the potential to provide efficient,secure,reliable and auditable transactions.Block chain was born with characteristics of trustless,openness and security,and it has natural matching with the improvement of financial services efficiency.Therefore,it is widely concerned by financial institutions such as bank and Securities Company,and it has also become an opportunity and innovation point for financial institutions to conduct business.This article aims to study application scenarios of block chain on financial services and the conditions of embedding block chain in various application scenarios.Firstly,it analyzes research status of block chain technology and its application scenarios from the aspect of literature.Secondly,it introduces block chain industry's financing situation from global perspective and domestic perspective respectively,at the same time,strategies for development of block chain in several national and regional governments are analyzed.Thirdly,it analyzes block chain's current development status,and according to the technical characteristics of block chain,it concludes some application scenarios which can be embedded into block chain.Finally,it uses cases to validate financial service application scenarios and the conditions of embedded block chain.The main research results of this article are as follows.First,the financial service application scenarios can be grouped into three categories: the first is to construct a transaction scenario of trusted intermediaries;the second is an intelligent contract scenario for solving complex transactions;the third is a trading scenario that traces to the source and produces a higher systemic risk.Second,there are six conditions for application scenarios to embed block chain:(1)on the basis of database;(2)large user base;(3)lack of trust;(4)decentralization;(5)low-frequency trading interaction;(6)trade "arbiter". |
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