| Because blockchain technology has the characteristics of unforgeable tampering,open and transparent verifiable,traceable traceability,it can be used as a technical tool to optimize commercial banking business.From 2016 to 2018,China's major commercial banks have successively promoted the relevant exploration of blockchain applications,and tried to develop blockchain applications in areas such as payment and settlement,supply chain finance,asset securitization,and asset certification.Therefore,it is of great theoretical significance and outstanding practical guiding significance to conduct in-depth research on the applicable scenarions in commercial bank banks.This paper is based on the practice of blockchain application of commercial banks.Firstly,it sorts out the current blockchain industry development and policy guidelines,and analysis the application scenarios of commercial bank.Secondly,taking Z Bank's blockchain application practice as a case study based on targeted research visit and public data analysis,and anlaysising the exploration process of blockchain application from opportunity identification,opportunity development and opportunity expansion.Finally,used SWOT-AHP analysis method to propose the future development strategy of Z Bank blockchain practice,and weighted the influencing factors of Z Bank blockchain application.There are three main conclusions in this paper: First,blockchain technology can help asset credit,reduce bank credit risk,and improve transaction efficiency.Second,supply chain financial blockchain technology is one of the most practical landing scenarios in the commercial banking sector.Third,the development of blockchain is in early stages,so external environmental factors are crucial to promoting the application of blockchains in commercial banks.Based on this,this paper believes that government departments,commercial banks,and blockchain technology companies should jointly promote the application of commercial bank blockchain. |
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