区块链技术在跨境支付领域的应用研究  

Application of Block Chain Technology in Cross-border Payment Domain

作　　者：王祥峰[1] 周猛 Wang Xiangfeng;Zhou Meng(Hefei Central Sub Branch,the People’s Bank of China)

机构地区：[1]中国人民银行合肥中心支行

出　　处：《金融发展评论》2020年第3期40-53,共14页Financial Development Review

摘　　要："区块链"技术的去中心化、去中介化、高度透明、集体维护(不可更改)、匿名等特点,改变了传统金融领域的交易流程和记录保存方式,是继互联网之后最具颠覆性的创新技术,存在广泛的应用空间,特别是在金融支付领域。本文初步探讨了采用区块链技术解决支付清算的发展问题,分析了其应用于支付领域的必要性和可行性,并以跨境支付为例,设计了具体应用业务流程,并对区块链技术应用于跨境支付的风险和机遇进行了详细解析。The decentralization,disintermediation,transparency,collective maintenance(unalterable)and anonymity of blockchain technology have changed the flow of transactions and the way records are kept in the traditional financial sector.It is the most disruptive and innovative technology after the Internet,with a wide range of applications,especially in the area of financial payments.This paper preliminarily discusses the development of block chain technology to solve the problem of payment liquidation,analyzes the necessity and feasibility of its application in the field of payment,and takes cross-border payment as an example,designs the specific application business process,and analyzes its risk and oppotunity in detail.

关 键 词：区块链 信息技术 跨境支付应用前景 数字货币 

分 类 号：TP311.13[自动化与计算机技术—计算机软件与理论] F832.2[自动化与计算机技术—计算机科学与技术]