区块链背景下商业银行信用风险管理研究论文

本科论文摘 要 随着网络技术经济的快速发展，区块链的应用越来越受到社会的广泛重视。本文拟结合我国商业银行信用风险的管理现状，对区块链技术下商业银行信用风险管理中的优势以及存在的问题进行具体剖析并尝试提出一些解决对策。本文对商业银行的研究有着较强的理论和实践指导意义，能够帮助商业银行合理开发和使用区块链技术,从而降低信用风险，优化金融方面业务流程，并有效促进驱动创新型业务模式的诞生。关键词：区块链，商业银行，信用风险，解决方案本科论文AbstractWith the rapid advancement of the new network economy, the application of blockchains has captured more amount of attention from our society. Combined with an introduction on the current management status of commercial bank credit risk in our country , this paper makes a concrete analysis of the merits and demerits of the commercial bank credit risk management with the aid of the technology of block chain. This paper has not only strong theoretical but also practical significance for the study of commercial banks, which could help the commercial banks develop and use block chain technology more wisely so as to reduce the credit risk, optimize the financial aspects of business, and contribute to the emergence of innovative business model as well.Key words: Blockchains, Commercial bank, Credit risk, Solution本科论文目 录前 言....................................................................................................................................11 研究综述..........................................................................................................................21.1 研究背景与研究意义..........................................................................................21.1.1 研究背景....................................................................................................21.1.2 研究意义................................................................................