最有看点的互联网金融门户

最有看点的互联网金融门户
专栏区块链国际资讯

比特币核心技术推广或致大批人员失业

很多人听说过比特币,但很少有人知道,比特币技术的核心在于其智能合约管理系统,也就是通过软件将自动执行的协议合法地结合在一起。

对比特币而言,合约就是交易本身,即一方把资金交给另一方。而在商业银行或商业投资中,智能合约根据合约条款,实时应对复杂程度不尽可知的突发事件,并且全程对参与各方公开。

这过程似乎听起来太快了,但这其实就是对律师、出纳、咨询、银行家等按时收费行业的一种提速而已。相对来说,而智能合约系统只是一款甚至连复杂也称不上软件,真正使其处于不败之地的是,该系统不会发生诈骗现象,每笔交易都有一个特有的密匙,每一笔数据区链块交易都被记录在公共账目上,因此,如果一方篡改了他的公共账目,其他用户都可以通过自己所有的公共账目进行比较,发现问题并不困难。

问题是,如果两个技术宅在互联网上进行交易,其他人会在乎吗? 笔者觉得,财富500强企业最好还是注意一下。数据区链块领域的革新者试图用B2B结算协议方式来免除对交易量的所有常规限制。如果他们成功了,将会为信用卡公司、结算公司、会计业和律师业(当然还有相关的咨询业)带来毁灭性的打击。

比如,在以上行业会出现大量失业人员,但是从另一方面来说,也为企业节省了一些人力成本,经济领域各层面的交易速度将会加快(各种秘密匿名交易也会随之增加)。另外值得注意的是,这种区块链交易的上升也会给美国国税局将会带来很大的负面影响。

Everyone has heard the hype about bitcoin, but the real promise of the technology behind cryptocurrencies is smart contract management—that is, legally binding agreements that execute themselves through software.

In bitcoin, the contract is the transaction itself: one party sending another funds. But in commercial banking or investments, smart contracts could execute unknowably complex contingencies based on the terms of the contract, all in real-time, with total transparency to the agreeing parties.

If that sounds fast, then it’s warp speed by comparison to the management time for human lawyers, accountants, consultants, and bankers, many of whom bill small fortunes by the hour. By comparison, a smart contract is just software—and not even complex software at that. What makes it unbeatable is its imperviousness to fraud: block chain transactions are recorded in a public ledger holding every transaction with a unique but anonymized key, so if someone modifies one copy of the ledger, everyone else’s copy makes the fabrication clear by comparison.

The question is: if two nerds on the internet hold a transaction, does anyone care? The Fortune 500 had better. Innovators in the block chain space are experimenting with ways to use the protocol in B2B payments without all the usual limits on transaction volume. If they succeed, credit card companies, payments processors, and legions of accounting and law firms (and of course, the attendant consultancies) would be devastated.

That’ll cost jobs but save billions for companies and individuals alike. But it also will increase the speed (and potentially the anonymity) of transactions at all levels of the economy. With that kind of uptick in volume, the IRS might end up being the most disrupted entity of them all.

本文系未央网专栏作者杨玉颖发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

杨玉颖未央青年

68
总文章数

翻译硕士在读,CATTI笔译二级,带着觉知,用心翻译。

2017年最后悔的事,可能是没有重仓比特币

薛洪言 | 苏宁金融研... 22小时前

中国新金融的盛世缩影:在线借贷的源起、进化和未来

洪偌馨 | 馨金融 1天前

区块链能撸猫了?

teenager 1天前

比特币期货将在美国上线交易:狂欢盛宴OR做空神器

罗曼 | 证券时报 1天前

[未央研究]本周互联网金融回顾 | 2017年第49周

未央研究 2天前

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1