最有看点的互联网金融门户

最有看点的互联网金融门户
区块链国际资讯基于互联网平台的金融业务监管与政策

俄罗斯政府计划利用区块链改进国家支付系统

近日,俄罗斯国家杜马联邦议会、财政部及联邦金融监测局(Rosfinmonitoring)宣布,将审查由金融创新协会(AFI)起草的关于国家支付系统监管改进的提案。

提案的一项主要建议是,规划利用区块链技术创建一个不可变的、透明的用户识别系统。其中最核心的一点在于,俄罗斯政府正谨慎地规划使用区块链,以对国家支付系统的用户进行身份识别。

俄罗斯刊物PlusWorld报道称:

“将开发新的识别方法并实施单一标识符(可能使用区块链技术),同时在用户识别过程简化后,短期交易的机会将大大增加。”

区块链的潜在优点和缺点

对于俄罗斯政府而言,使用基于区块链的识别系统作为国家支付系统的基础,可能会带来几个好处。

其中主要的是区块链能够在一个透明体系中安全地存储数据。因为区块链能够确保向网络中的每个人安全传输数据和实时广播信息,所以即使在识别系统更新的过程中,政府也可以识别用户。

此外,区块链的不可更改和去中心化能防止可能出现的黑客攻击或数据泄露。这些事故可能导致对政府数据库的重大修改,通过政府数据库操纵关键的财务和个人信息。

实施过程中的问题和冲突

和其他所有的货币或金融体系一样,政府很可能创建一个认证平台,对政府和地方当局进行一定程度的控制。

然而,实际上不可能在单个网络内创建具有不同权限级别的不可更改的系统,因为这样就消除了去中心化网络的优势。换句话说,由于可能导致严重的安全事故,区块链不能被中心化。

据当地刊物报道,俄罗斯政府的规划和愿景十分明确,但是政府必须考虑在实施和部署过程中可能出现的困难。

即使存在开源社区,大型加密网络(如以太坊)也仍在努力应对外部攻击。因此,这种系统在开发阶段将需要来自联盟的帮助,或者由有经验的开发团队来指导。

The Federal Assembly of Russia State Duma, the Ministry of Finance and the Federal Financial Monitoring Service, known as Rosfinmonitoring, are set to review a proposal drafted by the Association of Financial Innovation (AFI) regarding regulatory improvements to the National Payment System.

One of the main provisions of the proposal was a roadmap that entailed the utilization of Blockchain technology to create an immutable and transparent client identification system. In essence, the Russian government is cautiously planning the usage of Blockchain to identify clients of the National Payment System.

PlusWorld, a Russian publication, reported:

“Along with expansion opportunities in the short term transactions under the simplified identification of clients, develop an approach and implement a single identifier (possibly using Blockchain technology).”

Potential merits and disadvantages of Blockchain

For the government of Russia, several benefits may arise when using a Blockchain-based identification system as the basis of the National Payment System. One major benefit is the ability of Blockchain to securely store data within a transparent ecosystem.

Because Blockchain enables the secure transfer of data and real-time broadcasting of the information to everyone within the network, the government can identify users even in the midst of identification updates.

In addition, the immutable and decentralized nature of Blockchain prevents potential cases of hacking attacks or data breaches, which may lead to significant alterations to the database of the government that could highly likely manipulate crucial financial and personal data.

Issues and conflicts in the implementation process

Like any other monetary or financial system, the government will most likely create an authentication platform that grants a certain level of control to the government and local authorities.

However, it is virtually impossible to create an immutable system with different levels of authority within a single network as that eliminates the advantages of a decentralized network.

In other words, a Blockchain cannot be centralized due to serious security consequences.

Although the roadmap and vision of the Russian government are both clear based on the report of local publications, it is important for the government to consider difficulties that may arise in both the implementation and deployment processes.

Large cryptographic networks like Ethereum have struggled to deal with external attacks even with the presence of an open source community. Thus, such a system will require assistance from a consortium or the formation of an experienced development team to lead the development phase.


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