%0 Journal Article
%T 区块链在商业银行信贷管理中的运用：A银行的实践与创新<br>Application of Blockchain in Credit Management of Commercial Banks: Practice and Innovation of Bank A
%A 武俊瑾
%A 胡聪
%A 彭丹
%A 王冉冉
%J Finance
%P 414-420
%@ 2161-0975
%D 2020
%I Hans Publishing
%R 10.12677/FIN.2020.104042
%X 为研究区块链技术在商业银行信贷管理中的应用情况，本文以区块链技术应用较为先进的A银行为例，探索了区块链技术在银行信贷管理中的具体应用。研究发现：A银行自2016年起陆续通过建立应收款链平台；开发ABN (资产支持票据)应用场景；探索“区块链+医疗行业供应链”等举措，提升了对企业的信贷服务效率，实现了区块链技术在商业银行信贷管理业务中的实践与创新，但也发现了一些问题，在此基础上提出需要加大对区块链技术的研究力度、加强区块链技术复合型人才的储备、完善相关部门监管手段等建议。<br />
In order to study the application of blockchain technology in credit management of commercial banks, this paper takes bank A, which is more advanced in blockchain technology application, as an example to explore the specific application of blockchain technology in bank credit management. The study found that Bank A has successively adopted the establishment of a receivable chain plat-form since 2016; the development of ABN (asset-backed notes) application scenarios; the explora-tion of “block chain + medical industry supply chain” and other measures to improve the efficiency of credit services to enterprises , and it has realized the practice and innovation of blockchain tech-nology in the credit management business of commercial banks, however, some problems were found, and on this basis, suggestions were put forward such as the need to intensify research on blockchain technology, strengthen the reserve of hybrid talents for blockchain technology, and im-prove the supervision methods of relevant departments.
%K 区块链，商业银行，信贷管理<br>Blockchain
%K Commercial Bank
%K Credit Management
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=36678