区块链重塑新金融 本书特色

如何在互联网金融业务中建立一套共享的信任机制，确保整个交易环节公开透明，是确保互联网金融持续健康发展的重要法宝。而区块链技术具有信息公开、共识信任机制的特点，是解决互联网金融困境的法宝。 本书全面系统地阐述了互联网金融与区块链技术的发展现状和逻辑内涵，创造性地提出了区块链技术可以从技术层面上解决互联网金融当前遇到的难题，根据区块链技术的特点和互联网金融的业务模式，探索区块链技术实现数字货币、网络支付、股权众筹、网络征信的全新业务模式。对于互联网金融公司及传统金融行业和互联网技术行业的从业人员来说，本书具有很高的参考价值。

区块链重塑新金融 内容简介

一本书让你读懂区块链。互联网颠覆了很多产业，区块链将颠覆更多产业和我们的认知。区块链，是分布式存储、点对点传输、共识机制、加密算法等信息技术在互联网时代的集成创新。 区块链的应用从金融科技开始，逐步延伸到物联网、智能制造、供应链管理、数字资产交易等多个领域，引发新一轮的技术创新和产业变革。区块链结合去中心化、数据加密、分布式存储、共识算法等技术的应用，有效解决了金融行业在信息传递、支付、安全等方面存在风险和问题，重塑新金融的业务模式。

区块链重塑新金融 目录

目 录 第1 章 从互联网金融到新金融········· 1 1.1 互联网金融的发展现状·············· 1 1.1.1 互联网金融的产生·········· 1 1.1.2 国内外互联网金融的发展情况 ······························· 2 1.1.3 主要的互联网金融业务形态 ·································· 3 1.2　制约互联网金融发展的三大因素·· 6 1.2.1　开放的互联网和封闭的金融 ·································· 6 1.2.2　短期盈利投机与长期普惠金融 ······························· 8 1.2.3　行业自律与联合监管····· 10 1.3　互联网金融的创新途径·············11 1.3.1　技术创新·····················11 1.3.2　业务创新···················· 13 1.3.3　制度创新···················· 14 1.4　Fintech································ 15 1.4.1　Fintech 的定义及内涵····· 15 1.4.2　Fintech 的特征·············· 16 1.4.3　互联网金融与Fintech····· 19 1.5　新金融时代··························· 22 1.5.1　新金融的特征·············· 22 1.5.2　新金融的业态创新········ 23 第2 章　区块链技术及应用············· 24 2.1　区块链概述··························· 24 2.1.1　区块链的起源·············· 24 2.1.2　理解区块链的三个视角·· 26 2.1.3　区块链的典型特征········ 27 XVI 2.2　区块链的架构························ 28 2.2.1　架构概述···················· 28 2.2.2　区块链架构模型··········· 29 2.2.3　区块链技术架构··········· 30 2.3　区块链的核心技术·················· 33 2.3.1　分布式账本················· 33 2.3.2　加密算法···················· 34 2.3.3　共识机制···················· 35 2.4　区块链的应用和发展··············· 36 2.4.1　应用前景···················· 36 2.4.2　发展情况···················· 38 2.4.3　问题和挑战················· 39 第3 章　区块链与新金融················ 41 3.1　新金融面临的挑战·················· 41 3.1.1　信息不对称风险··········· 41 3.1.2　资金转移支付风险········ 44 3.1.3　信息安全风险·············· 48 3.1.4　合约有效性风险··········· 52 3.2　区块链应用于新金融的优势······ 53 3.2.1　易于双方信任的获取····· 53 3.2.2　提高数据安全保密性····· 57 3.2.3　降低信息安全风险········ 59 3.2.4　创新金融业务模式········ 62 3.3　区块链驱动下的新业务模式······ 63 3.3.1　区块链技术应用概述····· 63 3.3.2　互信共识的数字货币····· 64 3.3.3　泛中心化的网络支付····· 65 3.3.4　普惠金融下的股权众筹·· 66 3.3.5　基于区块链的互联网征信 ··································· 67 第4 章　互信共识的数字货币·········· 69 4.1　从实物货币到数字货币············ 69 4.1.1　货币的发展················· 69 4.1.2　数字货币概述·············· 73 4.1.3　数字货币的特征··········· 74 4.1.4　数字货币的发展趋势····· 77 4.2　数字货币的价值····················· 78 4.2.1　有效支撑经济的发展····· 78 4.2.2　弥补现有货币体系的缺陷 ··································· 81 4.2.3　安全高效地达成货币共识 ··································· 83 4.3　比特币································· 85 4.3.1　比特币的内涵·············· 85 4.3.2　比特币的货币属性········ 87 4.3.3　比特币的发行机制········ 90 4.3.4　比特币的产生算法········ 91 4.3.5　比特币的交易支付········ 97 4.4　数字货币面临的风险与监管······ 99 4.4.1　面临的风险················· 99 4.4.2　面临的监管················ 105 第5 章　泛中心化的网络支付·········108 5.1　网络支付概述······················· 108 5.1.1　基本概念··················· 108 5.1.2　典型模式··················· 111 5.2　区块链支付·························· 115 5.2.1　传统支付与区块链支付· 115 5.2.2　主要应用领域············· 117 5.2.3　区块链支付的实践······· 119 5.3　区块链支付的实现路径··········· 121 5.3.1　系统框架··················· 121 5.3.2　支付过程··················· 123 XVIII 5.3.3　移动区块链钱包·········· 130 5.3.4　共识协议··················· 131 第6 章　普惠金融下的股权众筹······138 6.1　股权众筹的产生与发展··········· 138 6.1.1　起源和特点················ 138 6.1.2　发展现状··················· 140 6.1.3　未来趋势··················· 141 6.2　股权众筹平台及其业务模式····· 143 6.2.1　众筹平台及运营·········· 143 6.2.2　众筹平台的盈利模式···· 144 6.2.3　众筹项目的业务流程···· 145 6.2.4　典型的股权众筹模式···· 149 6.2.5　股权众筹模式的创新···· 150 6.3　区块链与股权众筹················· 151 6.3.1　区块链支撑股权众筹的项目信息披露 ··················· 151 6.3.2　区块链便于股权众筹的股权登记转让 ··················· 153 6.3.3　区块链服务股权众筹的行业监管自律 ··················· 158 6.4　基于区块链的股权众筹实现····· 159 6.4.1　概述························· 159 6.4.2　众筹联盟··················· 161 6.4.3　平台架构··················· 163 6.4.4　投资合约··················· 164 第7 章　基于区块链的互联网征信···166 7.1　从传统征信到互联网征信········ 166 7.1.1　征信概述··················· 166 7.1.2　互联网征信概述·········· 168 7.1.3　互联网征信的特点······· 169 7.1.4　互联网征信的评价方法· 171 7.2　互联网征信模型···················· 172 7.2.1　征信模型··················· 172 7.2.2　征信数据源················ 173 7.2.3　征信模式分类············· 176 7.2.4　征信服务··················· 177 7.3　区块链在互联网征信中的应用·· 179 7.3.1　互联网征信的挑战······· 179 7.3.2　区块链征信的优势······· 181 7.3.3　区块链征信的数据管理· 182 7.4　基于区块链的互联网征信实现·· 184 7.4.1　区块链征信网络·········· 184 7.4.2　区块链征信平台·········· 186 第8 章　新金融与区块链发展展望···188 8.1 新金融的发展需求和趋势······· 188 8.1.1　“互联网 ”驱动的金融创新 ····························· 188 8.1.2　新金融的平台一体化和服务多元化 ······················ 189 8.1.3　新旧金融体系加速融合· 190 8.1.4　监管保障和可持续发展· 191 8.2　区块链应用和技术发展展望····· 191 8.2.1　区块链应用的发展趋势· 191 8.2.2　区块链技术的发展路线· 193 8.2.3　区块链发展展望·········· 195 参考文献··················197

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管理 金融/投资 金融理论

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