区块链作为现阶段最主要的金融科技发展领域之一，区块链技术的应用和发 展将逐渐改变世界金融欧亿·体育（中国）有限公司的面貌，并且成为金融机构未来重要的竞争优势。仅 2015年至2016年间，包括摩根大通、高盛集团和花旗银行在内的20家全球金 融机构对发展区块链技术投入的资金已经超过10亿美金，投资规模呈现逐年增 长的态势，世界最有影响力的42家金融机构于2015年联合成立了R3 CEV联盟。 我国作为全球新兴金融体系市场，也正在加快对区块链技术应用于金融领域研究 和实验的步伐，《“十三五”国家信息规划》和《中国金融业务信息技术“十三五” 发展计划》已把区块链技术作为一项重要前沿技术，明确指出要加强区块链等新 兴技术的创新、实验和应用，现阶段区块链技术在我国银欧亿·体育（中国）有限公司的应用已经取得了 显著的进步。C银行作为总资产规模超6万亿元，具有强大综合实力和品牌竞争 力国内股份制银行，在区块链技术应用方面也走在同业者的前列。 本文以区块链技术在C银行信用证业务中的应用为研究主体，结合文献研究 法、比较分析法等研究方法，介绍了区块链技术在C银行信用证业务中应用的现 状，进而对区块链技术在C银行信用证业务的应用中存在的问题和面临的风险进 行了分析。最后，在上述内容基础之上，从微观和宏观两个角度出发，总结C银 行推动发展区块链技术在信用证业务中应用的对策建议，并且得出C银行应以理 性积极的态度推动发展区块链技术在本银行信用证业务中的应用的结论。 2017年7月，C银行基于区块链的国内信用证信息传输平台成功上线，这个 平台是国内银行间首次应用区块链技术并建立联盟链，实现了国内信用证的电子 开证、电子交单以及中文报文的传输。2018年全年，C银行区块链国内信用证开 证总量逐步提高，其业务量增长速度高于同期全行国内信用证开证业务总量增长 速度的同时，在全行国内信用证开证总量的占比也在逐步扩大。C银行区块链信 用证较传统信用证具有不少优势，比如区块链信用证结算方式更加独立、业务更 加高效、安全性更高，并且具有联盟机制优势。 区块链技术的加入为C银行开展信用证业务带来好处的同时，也不断显现出 区块链技术在C银行信用证业务的应用中存在的问题和将要面临的风险。存在的 问题包括区块链技术应用范围有限、参与节点有限、企业客户接受度有限。面临 的风险有法律政策风险、技术安全性风险、存储风险。 在上述内容的基础之上，本文从微观和宏观两个方面对C银行后续如何推动 发展区块链信用证进行了归纳总结。宏观方面有提升我国区块链技术水平、完善 区块链法律法规体系、形成国内银欧亿·体育（中国）有限公司的区块链大联盟，微观方面有促成其他节 点的加入、加大技术研发投入和人才储备、提升企业客户对C银行区块链信用证 业务的接受度、推动发展区块链技术在C银行国际信用证业务中的应用、积极参 与国内外银欧亿·体育（中国）有限公司区块链技术应用的研究与合作、关注区块链技术发展趋势及监管 政策等。 综合上述分析，本文认为C银行应以理性积极的态度推动发展区块链技术在 C银行信用证业务中的应用的结论。 关键词： C银行 区块链 信用证 TITLE Research on Application of Block Chain Technology in C Bank's Letter of Credit Business ABSTRACT As one of the most important areas of financial science and technology development at this stage, the application and development of block chain technology will gradually change the face of the world financial industry and become an important competitive advantage for financial institutions in the future. From 2015 to 2016 alone, 20 global financial institutions, including JPMorgan Chase, Goldman Sachs Group and Citibank, have invested more than US$ 1 billion in the development of block chain technology. The scale of investment is increasing year by year. The world's most influential 42 financial institutions jointly established the R3 CEV Alliance in 2015. As a global emerging financial system market, China is also accelerating the pace of research and experiments on the application of block chain technology in the financial field. The "13th Five-Year Plan" and the "13th Five-Year Plan" for the Development of China's Financial Business Information Technology have taken block chain technology as an important frontier technology, explicitly pointing out the need to strengthen the innovation, experiment and application of block chain and other emerging technologies. At present, the application of block chain technology in China's banking industry has made remarkable progress. As a domestic joint-stock bank with total assets exceeding 6 trillion yuan and strong comprehensive strength and brand competitiveness, Bank C is also in the forefront of its peers in the application of block chain technology. This paper takes the application of block chain technology in bank c credit business as the research subject, and introduces the current situation of the application of block chain technology in bank c credit business by combining the research methods of literature research and comparative analysis, and then analyzes the existing problems and risks in the application of block chain technology in bank c credit business. Finally, on the basis of the above contents, from the micro and macro perspectives, this paper summarizes the countermeasures and suggestions for bank c to promote the development of block chain technology in the application of l/c business, and draws the conclusion that bank c should promote the development of block chain technology in the bank's l/c business with a rational and positive attitude. In July 2017, Bank C successfully launched its domestic L/C information transmission platform based on block chain. This platform is the first time for domestic banks to apply block chain technology and establish alliance chain, realizing the electronic issuance of domestic L/C, electronic presentation and transmission of Chinese messages. Throughout 2018, the total amount of domestic L/C issuance in Bank C's block chain gradually increased. While its business volume grew faster than the total amount of domestic L/C issuance in the same period, its proportion in the total amount of domestic L/C issuance was also gradually expanding. Bank C's block chain letter of credit has many advantages over traditional letters of credit, such as more independent settlement methods, more efficient business, higher security and alliance mechanism advantages. The addition of block chain technology brings benefits to bank c in carrying out letter of credit business. at the same time, it also shows the problems and risks in the application of block chain technology in bank c's letter of credit business. The existing problems include limited application scope of block chain technology, limited participation nodes and limited acceptance of enterprise customers. The risks faced include legal and policy risks, technical security risks and storage risks. On the basis of the above contents, this paper summarizes how Bank C will promote the development of block chain letters of credit from both micro and macro aspects. In the macro aspect, it is necessary to improve the technical level of China's block chain, perfect the legal and regulatory system of the block chain, and form a big alliance of the block chain in the domestic banking industry. In the micro aspect, it is necessary to promote the participation of other nodes, increase investment in technological research and development and talent reserve, improve the acceptance of the letter of credit business of bank C block chain by enterprise customers, promote the development of international letters of credit of bank C block chain, actively participate in the research and cooperation on the application of block chain technology in domestic and foreign banking industry, and pay attention to the development trend of block chain technology and regulatory policies. Based on the above analysis, this paper concludes that bank c should adopt a rational and positive attitude to promote the development of the application of block chain technology in the bank's l/c business. KEYWORDS：C Bank Block Chain Letter of Credit 目 录 第一章 绪论 ................................................... 1 第一节 研究背景及意义 ...................................... 1 第二节 研究方法与思路 ...................................... 2 一、研究方法 .................................................2 二、研究思路 .................................................3 第三节 研究创新点及不足 .................................... 3 第二章 理论基础及文献综述 ...................................... 4 第