[1]许嘉扬.基于区块链技术的跨境支付系统创新研究[J].金融教育研究,2017,(06):9-14.
　XU Jiayang.Research on Cross-border Payment System Innovation based on Block Chain Technology[J].,2017,(06):9-14.
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基于区块链技术的跨境支付系统创新研究()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2017年06期
页码:
9-14
栏目:
出版日期:
2017-12-01

文章信息/Info

Title:
Research on Cross-border Payment System Innovation based on Block Chain Technology
作者:
许嘉扬
浙江金融职业学院 浙江地方金融发展研究中心,浙江 杭州 310018
Author(s):
XU Jiayang
Zhejiang Local Finance Development Research Center,Zhejiang Financial College,Hangzhou,Zhejiang 310018,China
关键词:
区块链;  跨境支付;  分布式账本
Keywords:
block chain;  cross-border payments;  distributed account
分类号:
F831.7
文献标志码:
A
摘要:
区块链技术是当前金融创新领域的热点,其本质是分布式账本数据库,具有去中心化存储、不可篡改、公开透明、可追溯验证等特质。针对当前跨境支付的“痛点”,区块链技术改造传统跨境支付流程,实现点对点实时交易,打造了快速、高效、安全、成本低廉的新型跨境支付模式。文章在对区块链金融交易原理进行剖析的基础上,阐述了“区块链+跨境支付”的内在机理,指出传统跨境支付的痛点和区块链技术在支付流程中不同阶段的解决方案,构建了基于区块链的跨境支付新模式,提出建立合理的区块链标准体系; 构建完善的主体合作机制; 制定恰当的法律监管框
Abstract:
Block chain technology is a hot topic in the field of financial innovation,the essence is the distributed ledger database,and it has the characteristics of decentralizing storage,untampering,transparency and traceability.For the “pain point” of cross-border payments,block chain technology transformed traditional cross-border payment process,implemented point-to-point real-time transactions,and built a new type of cross-border payment model that is fast,efficient,safe and cheap.Based on the analysis of the principle of block chain financial transaction,this paper expounded the inner mechanism of “block chain + cross-border payment”,it pointed out the “pain point”of traditional cross-border payment and indicated solutions to different phases of payment process in block chain technology,and constructed a new cross-border payment model based on block chain.Then,this paper gave out some suggestions:establish a reasonable standard system of block chain; build a perfect cooperation mechanism of subject; develop an appropriate framework for legal supervision.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2017-08-10基金项目:2016年度杭州市哲学社会科学规划课题(Z16YD003); 2016年度浙江省金融教育基金会课题(2016Y13); 2016年度浙江省哲学社会科学规划课题(16NDJC317YBM)作者简介:许嘉扬(1985-),女,浙江台州人,硕士,讲师,研究方向为互联网金融。
更新日期/Last Update: 1900-01-01