区块链金融场景应用分析及企业级架构探讨

doi:10.12052/gdutxb.190152

广东工业大学学报 ›› 2020, Vol. 37 ›› Issue (02): 1-10.doi: 10.12052/gdutxb.190152

• 区块链技术 • 下一篇

区块链金融场景应用分析及企业级架构探讨

魏生¹, 戴科冕²

1. 广州银行股份有限公司, 广东广州 510623;
2. 广州八斗金链科技有限公司, 广东广州 510600

收稿日期:2019-12-05 出版日期:2020-03-10 发布日期:2020-01-13
作者简介:魏生(1975-),男,博士,主要研究方向为大数据、区块链、互联网金融、金融电子化、企业IT架构

An Analysis of Blockchain Applications in Financial Scenarios and an Exploration of Enterprise Software Architecture of Blockchain as a Service(BaaS)

Wei Sheng¹, Dai Ke-mian²

1. Bank of Guangzhou, Guangzhou 510620, China;
2. Guangzhou Badou Jinlian Technology Company, Guangzhou 510600, China

Received:2019-12-05 Online:2020-03-10 Published:2020-01-13

摘要/Abstract

摘要： 区块链作为一种全新的技术组合，正渗透到不同的金融场景中，发挥出颠覆性的作用，同时也面临着各种挑战。为了保护这个朝阳产业，针对金融企业级应用场景上的挑战，本文提出了“三步走”的系统化解决方法：第一，在软件建模方式与架构设计上，采用领域驱动模式规范构建项目，分离业务与技术的关注点；第二，打造一站式区块链即服务基础平台，打造开放共赢的区块链技术与服务生态；第三，通过多业务、多链跨链技术满足不同业务需求面临的差异化场景、流程、用户、数据管控上的要求。该解决方案未来有望在金融、数字资产、供应链、风险管理、共享经济等领域实现更多尝试与落地应用。

关键词: 区块链, 金融行业, 数字资产, 智能合约, 监管

Abstract: As a new technology stack, blockchain applications are infiltrating into different financial scenarios, by exerting disruptive effects. At the same time, they are facing various challenges, from technical limitations, security and extensibility requirements, to policy restrictions. Rational thinking is essential, which involves understanding the essence of blockchain technologies, knowing how to apply technology to the appropriate scenario, recognizing major safety and scalability bottlenecks andbeing prepared for different levels of risks that may arise and solving the technological challengesand assisting to build the regulatory legal system. In launching a project of financial blockchain as a service platform, a three-step systematic solution is proposed. Firstly, usingthe model-driven architecture in system modeling and software architecture design, different perspectives of technologies and business processesare separated. Secondly, an open and win-win ecology is constructedby building an one-stop BaaS Platform system. Thirdly, multi-chain technologies are appliedto meet the different business requirements. This projectsuccessfully verifies the feasibility and reliability of cross-organization blockchain alliance in a real-world scenario of technology finance. Looking into the future, blockchain technologies can achieve more practical applications in more areas, for example, in financial sectors, digital assets, supply chains, shared economy and so on.

Key words: blockchain, financial industry, digital assets, smart contract, regulatory

中图分类号:

F830

魏生, 戴科冕. 区块链金融场景应用分析及企业级架构探讨[J]. 广东工业大学学报, 2020, 37(02): 1-10.

Wei Sheng, Dai Ke-mian. An Analysis of Blockchain Applications in Financial Scenarios and an Exploration of Enterprise Software Architecture of Blockchain as a Service(BaaS)[J]. Journal of Guangdong University of Technology, 2020, 37(02): 1-10.

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区块链金融场景应用分析及企业级架构探讨

An Analysis of Blockchain Applications in Financial Scenarios and an Exploration of Enterprise Software Architecture of Blockchain as a Service(BaaS)

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