区块链背景下对金融业的发展分析摘要：区块链是随着比特币产生的新技术，发展到现阶段，其应用范围已经超越了比特币。最近几年以来，国家对于供应链的创新也予以高度重视，国家标准委、保监会、证监会、央行等联合出台“十三五”《金融业标准化体系建设发展规划（2016-2020 年）》，其中把数字货币确立为核心研究领域。区块链技术作为发行数字货币的基础，在金融行业内全方位、多层次、多主体广泛应用。区块链具有形成共识、不能擅自改变、去中心化等特点，在金融行业中，其能够应用于股权交易、清算结算、数字货币等各个方面，对金融业的发展会产生持久的、深刻的影响。本文立足证券交易、数字票据、支付结算、数字货币、征信管理、股权众筹、智能资产及资产证券化等 8 个方面详细说明了我国金融行业在区块链技术运用的现状，再分析了区块链技术对我国金融业发展所凸显出来的问题，最后从法律、技术创新、安全应用等三个层面说明区块链背景下金融业的发展建议和对策。关键词：区块链技术；金融业；现状；对策1Analysis on the impact of blockchain on the development of financial industryAbstract：Blockchain is a new technology that has emerged along with bitcoin. Today, blockchain technology has many applications, far beyond the scope of bitcoin. In recent years, China also attaches great importance to supply chain innovation. Digital currency has been identified as a key area in the 13th five-year plan for the construction and development of the standardization system of the financial industry (2016-2020) jointly issued by the people's bank of China, the China banking regulatory commission, the China securities regulatory commission, the China insurance regulatory commission and the national standards commission. As the foundation of digital currency issuance, blockchain technology has been applied in the financial industry in a multi-subject, multi-level and all-round manner. The decentralized, non-tampering and consensus-based features of blockchain enable it to be applied to digital currency, se...
