传统金融与区块链的融合发展

 经过2020年疫情席卷全球，可以看到世界经济发展的不确定性大幅增加。各国政府、企业探索采用新兴技术降低经济社会运行成本，提升实体经济运行效率，进一步寻找经济发展的新增长点。区块链行业却蓬勃发展，尤其是被纳入新基建之后，业界对于区块链的认知进一步提升。与此同时，区块链与云计算、人工智能等新技术基础设施交叉创新，越来越多的实体经济垂直领域呈现出“区块链”的发展格局和“脱虚向实”的良好势头，区块链也加速在各行各业落地，从金融领域逐步渗透到工业、物流等领域，催生各类应用。

& nbsp; With the 2020 epidemic sweeping the world, uncertainty about the development of the world economy has increased. Governments and enterprises have explored new technologies to reduce economic and social operating costs, improve the efficiency of the real economy, and further seek new growth points for economic development.

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金融行业最重要的工作是处理各种各样的资产发行、资产交换。区块链技术的核心特征是“去中心化”和“去信任化”。相较于传统金融，区块链具有一些天然的优势。在诚信体系和信任机制方面，传统金融必须依赖严格的交易记录来累积信用，才能实现融资或贷款，而区块链则可以用技术手段确保双方交易安全。

The most important work in the financial sector is dealing with a variety of asset issuances and asset exchanges. The central characteristics of block chain technology are “ decentralised & & & & & & & & & ; detrust & & & & & & &. Block chains have some natural advantages compared to traditional finance. In terms of integrity systems and trust mechanisms, traditional finance must rely on strict transaction records to build credit in order to be able to finance or lend, while block chains can use technical means to ensure the security of transactions between the two sides.

在交易结算时长方面，传统金融交易时间仍较长，跨境交易尤其如此，而区块链则优势更为明显。

In terms of the long-term settlement of transactions, traditional financial transactions continue to take longer, especially cross-border transactions, while block chains have a more pronounced advantage.

在服务成本方面，传统金融交易体系重要收入来源是依靠收取交易手续费或者贷款利息。在跨境交易中，更得付出汇率改变造成的成本。而利用区块链进行交易服务成本则要低很多。

In terms of the cost of services, the traditional financial transactions system relies on the collection of transaction fees or interest on loans. In cross-border transactions, the cost of exchange rate changes is much lower.

传统金融与区块链的融合发展

Development of integration of traditional financial and block chains

在区块链项目的冲击和挑战下，传统金融也加快了自身变革的步伐，利用区块链来实现自身的优化升级。区块链技术不仅带来了银行服务效率的飞速提升，更可为商业银行大幅降低成本充分赋能，可使证券交易流程变得更加公开、透明和富有效率。可以说，传统金融与区块链的融合发展，对其核心业务 (包括存储、支付、借贷、投资、融资、保险等)都产生了重要影响。

In response to the shocks and challenges of block-chain projects, traditional finance has also accelerated its own transformation, using block-chains to optimize its own upgrading. Block-chain technology has not only led to a rapid increase in the efficiency of banking services, but has also enabled commercial banks to significantly reduce their full capacity for cost and to become more open, transparent, and efficient in their securities-trading processes.

最后，以区块链技术创新驱动的金融项目与产品，在未来一段时间内还会对传统金融机构发起挑战与冲击，但不可否认的是两者必将出现合流融合的趋势。在未来，互相学习彼此的长处，竞争发展，必将迎来科技金融更美好的明天。

Finally, financial projects and products driven by technological innovation in block chains will be challenging and impacting traditional financial institutions for some time to come, but it is undeniable that there will be a convergence of the two. In the future, learning from each other’s strengths, competitive development will certainly usher in a better future in science and technology finance.