| At present,the blockchain has flooded into all walks of life and has become one of the most watched information technologies of the moment.The various characteristics of the blockchain provide a trust mechanism with the potential to change the financial infrastructure.Various financial assets,such as equity,bonds,notes,warehouse receipts,etc.,can be integrated into the blockchain and become the numbers on the chain.Assets are stored,transferred,and traded on the blockchain.Blockchain technology is expected to further enhance the transparency of financial transactions,strengthen the flexibility of system operation,and automate processes,which in turn will have an impact on the record keeping,accounting and payment settlement methods of financial services.Studying and analyzing the typical characteristics of blockchain technology applied in commercial banks helps to objectively judge its development status,trends and potential impacts.This paper starts with the core technology and principle mechanism of blockchain.This part focuses on the analysis of blockchain design ideas,core technologies,working principles and characteristics,and fundamentally understands blockchain technology.Secondly,based on the above analysis of the blockchain technology,through the study of the supply chain finance,digital bills,cross-border payment and other cases that have already landed in the commercial banking business,the blockchain model is analyzed in depth,and the model is further explored to improve the traditional business.The situation,the problems and the reasons.Finally,this paper discusses the countermeasures of commercial banks applying blockchain technology,including actively participating in the formulation of international standards in this aspect,designing practical and feasible solutions,using blockchain technology to serve the real economy and both internal and external countermeasures.Suggestions are made to pay attention to the risks associated with blockchain technology. |
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