本科论文摘 要近年来，区块链技术快速发展，受到了各个行业广泛关注，并且进行了一系列应用。银行业也紧跟时代潮流，随着区块链技术在全国银行业中的不断渗透，不仅国有大行，中小银行也竞相加入区块链技术新领域。在业务层面，大银行的主要职责是区块链技术的开发研究以及区块链平台的创建，中小银行以配合为主，其实质都是通过金融科技去解决银行业务创新和发展问题。但是由于区块链技术发展尚未成熟，给商业银行带来好处的同时也存在着一些弊端。本文从区块链技术和商业银行基本业务流程出发，研究区块链技术与商业银行业务流程融合后所产生的效应，以及商业银行应该如何采取对策去运用区块链这种新兴技术，完善其业务流程，降低运作成本，提高银行效率，增加银行利润。关键字：区块链技术，商业银行，正面效应，负面效应本科论文AbstractIn recent years, the rapid development of blockchain technology has attracted extensive attention from various industries and made a series of applications. The banking industry also follows the trend of The Times. With the continuous penetration of blockchain technology in the banking industry across the country, not only the state-owned Banks, but also the small and medium-sized Banks are competing to join the new field of blockchain technology. At the business level, big Banks are mainly responsible for the development and research of block chain technology and the creation of block chain platform. Small and medium-sized Banks mainly cooperate with each other to solve the innovation and development of banking business through fintech. However, due to the immature development of blockchain technology, there are some drawbacks while bringing benefits to commercial Banks. Starting from the block chain technology and the basic business processes of commercial Banks, this paper studies the effects of the integration of the block chain technology and the business processes of commercial Banks, and how commercial Banks shou...
