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| Title: | 區塊鏈在金融場景的應用
Blockchain Application in Finance Industry |
| Authors: | 李瑞祥
Lee, Jui-Hsiang |
| Contributors: | 鄭宇庭
Cheng, Yu-Ting
李瑞祥
Lee, Jui-Hsiang |
| Keywords: | 區塊鏈
金融科技
貿易融資
貿易聯動
Blockchain
Fintech
Trade Finance
Marco Polo
We Trade
E- Trade Connect
Voltron |
| Date: | 2020 |
| Issue Date: | 2020-07-01 14:05:11 (UTC+8) |
| Abstract: | 區塊鏈的關鍵應技術，在於利用去中心化的公眾共識，擺脫中央或「許可制」（permissioned）的信任權威單位；然而目前金融業在區塊鏈的應用上仍未成熟，包含需要將紙本作業數位化，以及將銀行龐大的資料上傳至雲端，此為目前銀行應用區塊鏈的痛點。造成區塊鏈在金融在金融業應用上的不成熟，因此本篇論文將分析Forbes針對50大區塊鏈應用進行個案的分析探討，並且透過區塊鏈專家的訪談，進行質化分析，探討區塊鏈實際應用在金融業的可行性以及流程上的建議，並歸結出當今主要的應用領域為跨境支付、物流追蹤、產品履歷、票據融資以及結算交易。
本論文研究區塊鏈的技術實際應用在金融業的場景中，包含區塊鏈聯盟在貿易融資的發展，供應鏈金融的規劃。透過研究當今主要貿易融資平台：Marco Polo, We Trade, 貿易聯動以及Voltron歸納出貿易融資針對中小企業提供交易對手媒合服務，並且在每一次的交易都會運用私有鏈的技術紀錄交易，因此不會有交易隱私的問題。針對大型企業提供ERP串接多家銀行企金業務的服務，透過鑲嵌的一站式金融服務，提供企業戶一站式的比較各家業務服務，並且提高業務流程的效率。針對銀行若要自行推出區塊鏈平台，建議從異業聯盟鏈為出發，找出多方參與者能夠透過資料共享的服務方式，並以合作方為出發幫助參與者降低成本，接著以區塊鏈平台上的數據提供給金控旗下的子公司進行下一步的業務發展，藉此增加金控的商業機會。
The key application technology of blockchain is to use decentralized public consensus to get rid of the central or "permissioned" trusted authority; however, the current financial industry is still immature in the application of blockchain, including the need to integrate The digitization of paperwork and the uploading of huge bank data to the cloud are the pain points of the current bank application of blockchain. As a result of the immaturity of blockchain in the application of finance in the financial industry, this study will analyze Forbes 50 major blockchain applications, and through qualitative analysis and discussion through blockchain expert interview the practical application of blockchain in the financial industry is recommended for the feasibility and process, and it comes down to the main application areas today: cross-border payment, logistics tracking, product resume, bill financing and settlement transactions.
This paper studies the practical application of blockchain technology in the financial industry, including the development of blockchain alliances in trade financing and supply chain finance planning. By researching today`s major trade financing platforms: Marco Polo, We Trade, e Trade Connect and Voltron, we conclude that trade finance provides counterparty matchmaking services for SMEs, and uses private chain technology to record transactions in every transaction, therefore it will not against the issue of transaction privacy. For large enterprises, some platform provides ERP cascading services for multiple banks and enterprise financial services. Through embedded one-stop financial services, it provides enterprise customers with one-stop comparison of various business services and improves the efficiency of business processes. For banks to launch their own blockchain platforms, it is recommended to start from the inter-industry alliance chain, find out the service methods that multiple parties can share through data, and use the data for partner as a starting point to help participants reduce costs, and then use the blockchain data on the platform providing to the subsidiaries of financial holdings for the next business development, thereby increasing the business opportunities of financial holdings. |
| Reference: | 一、 中文文獻
1. Candy Her，（2019），「中國信託」和 7 家國際銀行的「Voltron 貿易金融區塊鏈」是怎麼運作的？，動區趨勢。中國信託和Voltron 貿易金融區塊鏈運作說明 ，(https://www.blocktempo.com/ctbc-r3-voltron-blockchain-letter-of-credit/)。
2. 李志賢、吳幸玲、許孟祥、楊志清，（2018），區塊鏈商業應用概論，新陸書局。
3. 李若雯、陳一姍，（2020），造假10年潤寅案如何捲入7家上市高階員工。天下文化雜誌。
4. 金管會數位帳戶開戶數，(https://news.cnyes.com/news/id/4439485)。
5. 匯豐銀行在 Hyperledger 的區塊鏈平台「we.trade」完成首筆融資交易， (https://www.blocktempo.com/hsbc-is-first-bank-to-finance-transaction-via-hyperledger-on-wetrade/)。
二、 英文文獻
1. Blockchain is the most demand job, (2018), Consortium Blockchains: Overview, Applications and Challenges. (https://www.cnbc.com/2020/01/17/blockchain-is-the-most-in-demand-job-skill-in-2020-says-linkedin.html).
2. Forbes, (2020), Michael del Castillo, Matt Schifrin, Lauren Debter, Millie Dent, Michael del Castillo, Sarah Hansen, Jeff Kauflin, Chloe Sorvino, Hank Tucker, Blockchain 50.
3. Gartner, (2017), Forecast: Blockchain Business Value, Worldwide, 2017-2030.
4. Gartner sees blockchain as top tech trend for 2020, (https://www.ledgerinsights.com/gartner-sees-blockchain-as-top-tech-trend-for-2020/).
5. Arun, J. S., J. Cuomo & N. Gaur, (2019), Blockchain for Business. Gotop INC.
6. Wüst, K. & A. Gervais, (2018), Do you need a blockchain? IEEE.
7. Pilkington, M., (2016), Research handbook on digital transformations.
8. Omar Dib, Kei-Leo Brousmiche, Antoine Durand, Eric Thea, Elyes Ben Hamida
9. Nakamoto, S., (2019). Bitcoin: A peer-to-peer electronic cash system.
10. Cummins, T., (2017), The Cost of a Contract.
11. Buterin, V., (2014), A next-generation smart contract and decentralized application platform. |
| Description: | 碩士
國立政治大學
企業管理研究所(MBA學位學程)
107363100 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0107363100 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202000522 |
| Appears in Collections: | [企業管理研究所（MBA學位學程）] 學位論文
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