论文总字数：19987字

摘 要

区块链技术是互联网金融发展的产物，将区块链技术运用到金融领域，产生了区块链金融这一新兴的金融运作模式。区块链金融创新了传统金融的操作模式，通过区块链上的节点交流，创建全域信息分享平台，使在链上的金融相关机构可以第一时间获取交易实况，大大提升了交易的时效性，降低了交易的时间成本与中介费用。将此特点挂钩实体经济，可以实践得出区块链金融为实体经济转型升级提供了新的路径。

本文从区块链金融入手，分析研究区块链金融的原理与创新模式。区块链金融本质上是将区块链技术运用到金融领域，通过特殊算法，将全域分为区块链，由一个个节点构成，完成各项交易记录，并存有密钥保护信息安全。区块链金融的创新应用使金融交易的效率提升，同时也带动实体经济转型发展。本文重点分析了区块链金融支持实体经济的途径，区块链金融支持实体经济过程中产生的问题及难点，我国发展区块链金融的监管创新等方面。通过区块链金融为实体经济融资降成本，区块链金融改善小微企业发展困境，区块链金融提高产业协同效率来分析比较区块链金融支持实体经济的途径。同时得出我国区块链金融发展过程中存在缺乏顶层设计、第三方评价机制、金融科技核心技术以及社会对于区块链金融的认知不够普及的问题。基于这些存在的问题，未来区块链金融的发展，需要加强国际协作，创新金融科技的监管手段，建立全新的监管框架来推进区块链金融更好地为实体经济发展服务。

关键词：区块链金融 实体经济 金融科技 监管创新

Research on block chain finance supporting the development of Real Economy

Abstract

Blockchain technology is the outcome of the development of Internet finance. The application of blockchain technology to the financial field has produced the emerging financial operation mode of blockchain finance. Blockchain finance has created the operation mode of traditional finance. Through the exchange of nodes on the blockchain, a global information sharing platform has been created, so that the financial related institutions on the chain can obtain the actual transactions in the first time greatly enhance the timeliness of transactions, reduce the transaction cost of time and intermediary costs. By linking this feature to the real economy, we can draw a conclusion that blockchain finance provides a new path for the transformation and upgrading of the real economy.

This article starts with the block chain finance, analyzes and studies the block chain finance principle and the innovation pattern. The essence of blockchain finance is to apply the technology of blockchain to the financial field, divide the whole domain into blockchain by a special algorithm, which is made up of every node, completes every transaction record, and keeps secret key to protect information security. The innovative application of block chain finance improves the efficiency of financial transactions, and at the same time, it also drives the transformation and development of the real economy. This paper focuses on the way of block chain finance supporting the real economy, the problems and difficulties in the process of block chain finance supporting the real economy, and the supervision innovation of developing block chain finance in China. Through block chain finance to reduce the cost of financing for the real economy, block chain finance to improve the development plight of micro-enterprises, block chain finance to improve the efficiency of industrial synergy to analyze and compare the ways of block chain finance to support the real economy. At the same time, there are some problems in the development of block chain finance, such as the lack of top-level design, the third-party evaluation mechanism, the core technology of financial science and technology, and the lack of social awareness of block chain finance. Based on these problems, the development of blockchain finance in the future needs to strengthen international cooperation, innovate financial technology regulatory means, and establish a new regulatory framework to promote blockchain finance to better serve the development of real economy.

Key Words: Blockchain Finance; Real Economy; Financial Technology; Regulatory Innovation

目录

摘要 I

Abstract II

目录 IV

第一章 绪论 1

1.1研究背景 1

1.2研究主题与内容 1

1.3可能创新之处 1

第二章 国内外文献综述 2

2.1我国实体经济的融资困境及发展需求 2

2.2区块链金融创新实体经济融资路径 2

2.3区块链金融支持实体经济发展的制约因素 3

2.4如何推动区块链金融与实体经济的融合 4

2.5研究述评 5

第三章 区块链金融的原理与创新模式 6

3.1 区块链金融的概念与原理 6

3.2 区块链金融的创新模式 7

3.3 发展区块链金融的作用 8

第四章 区块链金融支持实体经济的途径 9

4.1 区块链金融为实体经济融资降成本 9

4.2 区块链金融改善小微企业发展困境 10

4.3 区块链金融提高产业协同效率服务制造业 11

第五章 区块链金融支持实体经济的监管对策 13

5.1 区块链金融支持实体经济的问题 13

5.2 发展区块链金融的解决方案 14

5.3 我国区块链金融的监管对策 15

第六章 结论与展望 17

6.1 研究结论 17

6.2 未来展望 17

参考文献 18

致 谢 21

第一章 绪论

1.1研究背景

当前我国经济正处于减速换挡期，实体经济相较虚拟经济发展缓慢。通过金融创新寻求新的融资途径，为实体经济发展注入新的动力已迫在眉睫。区块链技术是金融产业中的前沿技术，对金融产业具有重要影响。区块链技术能够通过社会金融体系的变革改变现有的商业模式和商业体系，更好地为实体经济服务，进而改变现阶段实体经济发展情况。

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