基于区块链技术的商业银行风险管理现状与对策  

The Current Situation and Countermeasures of Risk Management in Commercial Banks Based on Blockchain Technology

作　　者：古爱琴 林友捷 GUAi-qin;LIN You-jie(Guangzhou University of Science and Technology,Guangzhou Guangdong 510500,China)

机构地区：[1]广州科技职业技术大学,广东广州1510500

出　　处：《湖北开放职业学院学报》2024年第15期175-176,182,共3页Journal of Hubei Open Vocational College

基　　金：教育部高等教育司项目“职业型本科金融专业《保险学理论与实务》教学探究”(项目编号:22097133154852)。

摘　　要：区块链是数字金融发展的基础性技术,在商业银行风险管理中具有重要的应用,其去中心化、可溯源、信息不可篡改和伪造、智能合约等特征,能够有效提高商业银行业务交易的安全性和风险管理的实效性。本文将基于区块链技术在商业银行风险管理方面的应用优势进行分析,明确商业银行风险管理现状,并通过制定商业银行风险管理策略,探究区块链技术在商业银行风险管理中发挥的实际作用,提升商业银行以区块链技术应用为载体的风险管理能力。Blockchain is a basic technology for the development of digital finance and has important applications in the risk management of commercial banks.Its features such as decentralization,traceability,information immutable and falsifiable,and smart contracts can effectively improve the security of commercial banks'business transactions and the effectiveness of risk management.This paper will analyze the application advantages of blockchain technology in commercial bank risk management,clarify the current status of commercial bank risk management work,and explore the practical role of blockchain technology in commercial bank risk management by formulating commercial bank risk management strategies,in order to enhance the risk management capabilities of commercial banks with blockchain technology as a carrier.

关 键 词：区块链技术 商业银行 风险管理 策略 

分 类 号：F83[经济管理—金融学]