区块链大型巡回播放第226期“区块链金融+”

目前金融时代充满了各种问题，金融机构目前大多搭建在几十年前的基础技术上，目前技术的更新已经远远超越那个时代，但是没有人愿意改变现状去迎接新技术，所以这些系统运作起来很缓慢，大多数普通人很难融入到金融建设中，例如几十亿人没有银行卡，同时它又是中心化的系统，中心化的服务器致命缺点在于数据泄露或者被攻击的风险，例如经常看到某黑客盗取信息进行网上挂靠售卖，至于区块链技术如何去服务金融？相信它对于金融垄断或者为个体来说，都是一种变化，为个体提供更多的是选择权参与权，对于金融垄断来说是当头一棒，改变目前不良效果。

在日常生活中，我们进行金融交易，双方互不信任，借助于第三方平台进行支付，最后达成这笔交易买卖，金融中介在数据背后建立信任，验证身份，看上去很完美，但是用户的隐私风险，可想而知，区块链或许可以有所帮助，根据交易历史记录记性积分，帮助建立双方的信任，进行可信的验证身份和能力。在成本上，目前在陈旧的基础运营模式下，一些国际银行每年的运营成本高达几百亿美元，如果在区块链上，网络可以进行点对点价值转移，从而可以清算和结算，而且这个账本数据库可以及时更新，金融还可以为更多人参与的机会，进入金融系统门槛将会更低。

The current financial era is full of various problems. Most financial institutions are now based on the basic technologies built decades ago. The current technology has been updated far beyond that era, but no one is willing to change the status quo to embrace the new technology, so these systems work very slowly, and it's very difficult for most ordinary people to get involved in finance, for example, one billion people don't have a bank card, and it's a centralized system, the Achilles heel of centralised servers is the risk of data breaches or attacks, such as the frequent sight of hackers stealing information to sell on the Internet, and how blockchain technology can serve finance? It is believed that it is a change for the financial monopoly or for the individual, providing the individual with more options to participate in the right, for the financial monopoly is a blow, change the current bad effect.

In Our daily lives, we make financial transactions, we don't trust each other, we make payments through third party platforms, and we end up with a transaction where the financial intermediaries build trust and verify identity behind the data, and it looks perfect, but users'privacy risks, it is conceivable that blockchains could help, by helping to build trust between the parties, and by providing trusted authentication and capability, based on record keeping scores of transactions. In terms of costs, some international banks are currently operating at up to ten billion a year on an antiquated infrastructure model that allows for point to point value transfer, clearing and settlement, on the blockchain, and the book database can be updated in time, finance can also be more people participate in the opportunity, access to the financial system will be lower barriers.

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编译者/作者：醉玲珑

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