区块链赋能数字普惠金融高质量发展的现实思考  

Realistic Thinking on Blockchain Empowering High-Quality Development of Digital Inclusive Finance

作　　者：王玉 WANG Yu(Department of Public Administration,Party School of the Guangzhou Municipal Committee of CPC(Guangzhou School of Administration),Guangzhou,Guangdong 510070)

机构地区：[1]中共广州市委党校(广州行政学院)公共管理教研部,广东广州510070

出　　处：《长白学刊》2022年第5期113-122,共10页Changbai Journal

基　　金：2022年广州市委党校新型智库课题“建设精准高效的数字政府”(ZK202206);2021年广东省委党校课题“粤港澳大湾区数字经济对小微企业转型发展的影响研究”(2021GDDXXT027);广东省哲学社会科学“十三五”规划2020年度学科共建项目“基于区块链的数字政府协同治理研究”(GD20XGL33)。

摘　　要：以数字技术赋能普惠金融发展被认为是打破普惠金融推广壁垒的关键路径。然而,当数字普惠金融向纵深发展,又出现了新的制约普惠金融高质量发展的阻滞因素,主要包括征信体系不完善导致的信息不对称问题、数据开放和共享不足引发的数据泄露问题和服务成本高企导致的金融机构推广动力不足问题。这些问题的涵盖内容恰好和区块链的技术范围部分重合,区块链的去信任化机制有助于解决信息不对称问题,区块链的时间戳和非对称加密算法可有效防止数据泄露,区块链的智能合约机制能够降低经营服务成本。因此,区块链赋能数字普惠金融高质量发展应有如下路径:以区块链技术优化金融平台,以智能合约优化股权众筹方式,以区块链技术优化金融征信查询机制和创新支付结算方案。短期内,促进区块链技术和数字普惠金融结合的可行的应用场景有“区块链+征信系统”“区块链+银行”“区块链+数字货币”。Empowering the development of inclusive finance with digital technology is deemed to be the crucial path to breaking the barriers of promoting inclusive finance.However,when digital inclusive finance develops in-depth,some new blocking factors hindering the high-quality development of inclusive finance emerge.They mainly include information asymmetry caused by the imperfect credit system,data leakage caused by insufficient data opening and sharing and the defi-cient promotion impetus of financial institutions caused by high service costs.The coverage of these issues coincides with the technical scope of blockchain.For example,the trustless mechanism of blockchain helps solve information asymmetry,the timestamp and asymmetric encryption algorithm of blockchain can effectively prevent data leakage,and the smart con-tract mechanism of blockchain can reduce operating and service costs.Therefore,empowering the high-quality development of digital inclusive finance with blockchain should have the following paths:optimizing the financial platform with block-chain technology,optimizing the methods of equity crowdfunding with the smart contract,as well as optimizing the finan-cial credit query mechanism and innovating the payment and settlement scheme with blockchain technology.In the short term,the feasible application scenarios that promote the combination of blockchain technology and digital inclusive finance include“blockchain+the credit reporting system”“blockchain+bank”and“blockchain+digital currency”.

关 键 词：数字普惠金融 区块链 数据泄露 智能合约 金融征信查询机制 

分 类 号：F832[经济管理—金融学]