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蔡 昉
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李 扬
    1951年9月出生,籍贯安徽,1981年、1984年、1989年分别于安徽大学、复旦大学、中国人民大学获经济学学士、硕士、博士学位... 详情>>

    基于区块链技术的消费金融应用探索与实践

    摘要

    随着互联网2.0技术的发展,消费金融迎来了前所未有的机会和挑战。传统业务流程长、资产不透明导致的业务风险高、效率低下、成本高等问题,成为互联网时代下消费金融面临的首要问题。区块链技术作为一种分布式、去中心化的信任基础设施,天然适合解决消费金融面临的问题:利用区块链不可篡改、可追溯的特性,保证资产的透明存真;将众多参与方通过区块链的方式打通,提升业务效率、降低业务成本;通过跨链技术,实现资产在整个消费金融生态的全流程穿透追溯。基于核心区块链技术建立完善的服务生态,百度度小满金融利用自研Trust区块链技术和一站式BaaS服务平台,在百度小贷、ABS等整个消费金融生态进行了区块链技术应用的探索和实践,提升了消费金融资产透明度,实现了资产信息实时跨链追溯,加快了相关业务效率。

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    Abstract

    With the development of Internet 2.0 technology,consumption finance ushered in unprecedented opportunities and challenges. Long-standing traditional business processes and opaque assets have brought out high business risks,inefficiency and high costs. These problems have become the most important issue facing consumption finance in Internet era. Blockchain technology,as a distributed and decentralized trust infrastructure,is suitable for solving the problems above. Firstly,the non-destructive and traceable nature of blockchain can ensure the transparence of assets;Secondly,blockchain can help open up parties,so as to improve business efficiency and reduce business costs;Lastly,through cross-chain technology,assets can be traced through the complete process of entire consumption finance ecology. Based on blockchain technology,complete finance ecology has been established. DuXiaoMan Finance has finished building a one-stop BaaS platform on Trust,a self-developed blockchain technology. Exploration and practice of blockchain application have been made in entire consumption finance ecology,including Baidu Microfinance and ABS. In conclusion,blockchain technology helps improve the transparency of financial assets,realize real-time cross-chain tracing of asset information,and accelerate related business efficiency.

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    作者简介
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