Author Topic: 比特币的破坏性潜力:为什么每个在金融业的人都该重视  (Read 1352 times)

lovecol

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此文章是国际知名研究咨询公司celent.com的研究分析师的报告的概况
 
(非全部报告,全部报告需要成为celent的作者才可以下载查看)
 
报告作者:zilvinas bareisis


 
考纳斯科技大学应用数学理学硕士、卡内基梅隆大学MBA
Celent的银行集团内的高级分析师,研究重点在零售支付,包括信用卡,电子商务,移动支付拥有超过15年的经验。
他的文章观点被媒体广泛引用,包括经济学家,金融时报,泰晤士报,每日电讯报,银行家报,
纽约时报,美国银行家报,paymentsource,其他出版物
 
比特币和以往的任何的事物是不同的,它是一个全新概念的东西,比特币拥有一批强烈认同其观点的信众,和强烈批评其观点的批判者,观点上形成二级分化强烈的对比,这篇文章旨在消除一些对比特币的一些误解,客观的评价其未来前景。
 

 
今天我们看到了比特币做为一种新兴的支付方式在一些领域展现,而从长远来看,以区块链技术发展起来的比特币有其强大的潜力对传统的支付领域形成破坏性影响。我的看法是,所有从事金融领域的人们,无论来自银行业,保险业,支付服务业,还是中央结算系统的,都有个去了解一下关注一下这个玩意儿。
 
这篇报告指出为什么每个在金融业的人都应该关注比特币,并揭露了人们误解比特币的5个方面,描述了比特币生态圈你的很多各种各样的公司,他们构成了什么,展现了这个比特币生态系统早期的面貌。
 
然而,我们也注意比特币在追求大众普及上面临多方面的挑战,报告提及了10个大挑战要点,其中就有用户体验不完善,资金安全度,政策监管方面的挑战,而政策监管是对比特币短期影响最大的。比特币区块链的分散性是比特币支持者们最值得称赞的一点,而这也是对比特币整个生态链有至关重要的一个大挑战。比特币是区块链技术的第一个应用,一个价值的记账系统。然而这个记账系统还可以应用到其他数字资产的交换和跟踪,范围从广泛的金融工具到公共事务记录再到智能合同等等。
 
现在就有一些项目,是基于比特币区块链的技术,提升到另外的应用。他们中的一些,如ripple,这些都是新兴的东西,非常有潜力,他们发展的都很迅速,不是替代比特币这个生态系统,而是强化这个生态系统的。
 
我们自己可能发现自己正在处于一个真正破坏性革命的开始阶段,就像HTTP一样成为了人们交流信息的底层协议,比特币,ripple以及别的区块链总账技术发展起来的东西将会成为人们交流价值的底层协议。非常令人兴奋的,很难想象我们正处于这样一个阶段。
 
比特币,特别是它那个区块链总账技术,是一个非常牛逼的技术创新。
 
然而以目前的情况,我们是否准备好了吗?对于今天的我们来说不要特别在乎他短期的剧烈波动和炒作,因为从长远来看,这些目光短浅的行为都是很愚蠢的。
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Abstract
Bitcoin is new and very different from anything that has come before. Not surprisingly, it polarises opinions and has equally strong advocates and critics. The objective of this report is to dispel some of the popular myths and misunderstandings about Bitcoin and to assess its prospects in an objective way.

Today Bitcoin is mostly known as a currency and as a payment method. However, in the medium-to-long run, blockchain technology behind Bitcoin has the potential to be a disruptive influence way beyond payments. We think that everyone in financial services — from banks and traditional payment systems to insurance carriers and exchanges, central counterparty clearinghouses, and settlement systems — should know and care about Bitcoin.

The report, The Disruptive Potential of Bitcoin: Why Everyone in Financial Services Should Care explains the inner workings of Bitcoin by dispelling five myths. It describes the ecosystem of various different companies that have emerged around Bitcoin, and recognises some of the early achievements of this ecosystem.

However, we also note manifold challenges facing Bitcoin in its quest for mass market adoption. Of the top 10 challenges identified by the report, we consider poor user experience, safety of funds, and regulatory concerns leading to regulatory uncertainty to be the most damaging for Bitcoin’s near-term success. The protocol’s decentralised nature is both one the most attractive features for Bitcoin supporters and a considerable challenge for the overall ecosystem.



However, it would be short-sighted not to recognise that at the heart of Bitcoin is a fundamental innovation — a decentralised cryptographic ledger called blockchain. Bitcoin is the first implementation of such a ledger and keeps track of value-transfer transactions. Yet, such a cryptoledger could also be used to exchange and keep track of other digital assets, from a wide range of financial instruments to public records to smart contracts. There are a number of projects under way, seeking to either enhance the features of Bitcoin or to develop alternative approaches based on similar underlying principles. Some of them, such as Ripple, look particularly promising and are beginning to enjoy success in trying to improve rather than replace the established ecosystem.

We may be finding ourselves at the onset of a truly disruptive revolution. Just like HTTP became a protocol for information exchange, Bitcoin, Ripple, and other decentralised ledger-based solutions might be seen as the protocol for value exchange, promising exciting possibilities, some of which are difficult to imagine at this stage.

“Bitcoin, and especially its underlying technology blockchain, is a marvelous technological innovation. However, in its current form it may never be ready for prime time,” says Zilvinas Bareisis, Senior Analyst with Celent’s Banking Group and author of the report. “And that is the challenge for established players today: engaging with cryptocurrencies directly is risky in the short term, but ignoring them altogether might look very foolish in the long term.”
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