Assistant Dean of Suning Institute of Finance: Blockchain is a technology-level infrastructure, and its application in the banking industry is relatively mature

Xue Hongyan, Assistant Dean of Suning Institute of Finance, analyzes that blockchain is a technology-level infrastructure that can fundamentally change the business logic of many business ecosystems. Compared with other industries, the application of blockchain in the banking industry is relatively mature. At this stage, it is prominent in two aspects: First, based on the "immutable" characteristics of the blockchain, it creates a credible certificate deposit system for business processes, which is widely used in blacklist sharing, letters of credit, and supply chain finance. , ABS, joint loans and other business areas; the second is the application in the field of payment and clearing, based on blockchain technology to create a new type of clearing and settlement system, in small-scale exploration and practice in cross-border payments and other fields.