The Application Of Blockchain In Commercial Bank Loans

Block chain technology has the characteristics of decentralization,traceability,openness and security,which can improve the work efficiency of financial institutions and protect information security.In the field of commercial bank loans,there have been problems such as long settlement cycle and narrow loan coverage.As the underlying technology,block chain technology can provide help to commercial Banks.Small Banks as tencent company established the first domestic Internet banking application field has made beneficial exploration in block chain,except to establish FISCO au gold chain on the basis of block chain technology developed "particles is borrowed" the new loan products,network technology greatly sped up the block chain fall to the ground in the field of commercial bank loan applications,so in this paper,by studying the micro Banks"borrowed" particles to block chain technology development put forward some countermeasures and Suggestions in the field of commercial bank loans.This paper studies the impact of block chain technology on the field of commercial bank lending.The first chapter elaborates the research background and significance of this paper,and introduces the research status of block chain technology at home and abroad through literature analysis.The second chapter mainly describes the relevant theories of block chain technology and its characteristics and advantages and application scenarios in the financial field.The third chapter,through the comparative analysis method,the different enterprises in the field of commercial bank loans with concrete block chain technology were analyzed,including the clearing and settlement,cross-border payment and financing,credit reporting,describes in detail block chain application status in the field of comInercial bank loans,and based on the technical characteristics of block chain induces block chain can solve the problem of pain points in some commercial bank loans.The fourth chapter USES specific cases and relevant data to analyze the case of weizhong bank's application of block chain technology,conducts an in-depth study on the product "particle loan"based on block chain technology,and provides reference and inspiration to traditional Banks.Chapter five mainly summarizes the problems of blockchain in the field of commercial bank loans and puts forward corresponding countermeasures,and puts forward Suggestions on the development direction of blockchain in commercial bank loans.In the area of commercial bank loans,relevant enterprises need to strengthen core technology research and development,establish open source software infrastructure,pay attention to the cultivation of talents related to block chain technology,strengthen cooperation among Banks,increase the establishment of financial block chain alliance platform,and improve the risk control level through "big data+block chain".Through comparative analysis and specific analysis of cases,this paper alleviates the difficulties in commercial bank loans to some extent,promotes the stable development of domestic bank loans,and plays a reference role for the development of block chain in commercial bank loans.