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

加拿大央行何以对区块链说“No”?

日前,加拿大央行对外公布,通过对区块链技术在国家银行间体系发挥作用的潜力测试后,加拿大央行最终决定暂时不会采用这一技术。

加拿大央行副行长CarolynA.Wilkins和支付金融机构PaymentsCanada总裁GerryGaetz在《加拿大邮报》上联合撰文指出,至少到现在,有效地将区块链整合到国家的同业银行支付系统,还有太多的障碍必须克服。

据HiTech了解,这个结论的得出,来自于一个代号为Jasper的项目。

Project Jasper

2015年,加拿大央行、PaymentsCanada、加拿大7家商业银行和技术联盟R3开始了一个雄心勃勃的项目——Project Jasper。其目标是使用分布式分类记账技术(DLT)这一Bitcoin等加密货币的支柱,来构建和测试实验性银行同业批发支付系统。

到目前Jasper项目运行了2个试验阶段,第一阶段使用Ethereum平台构建DLT原型和概念验证系统,以调查中央银行发行的数字收据使用情况。第二阶段使用R3的开源分布式记帐平台Corda构建DLT原型,以进一步探索该技术。

前面提到的诸多障碍,正是来自于第二阶段的结论。

区块链和分布式记账技术是目前各国金融业大力发展的科技,为何加拿大要对这一技术说“No”,加拿大央行提到的障碍到底是什么呢?

据HiTech从PaymentsCanada获得的第二阶段完整版报告显示,这些障碍集中在两个方面:效率和金融稳定性风险,以及透明度和隐私。

效率和金融稳定性风险

报告显示,效率和金融稳定性风险主要体现在信用和流动性风险、结算风险和操作风险。

Jasper项目是一个没有信用风险的设计,因为所有的支付都代表着在央行的存款。在概念验证设计中没有任何风险被识别出来,这根本不符合信用风险的原则。同时,到目前为止测试结果也没有任何证据显示,相比现在的集中式系统,在分布式记账上实施流动性节约机制能让使用或性能有所改变。

至于结算,在Jasper平台中被定义为资产的不可撤销和无条件转移。从两个阶段的表现来看,从Ethereum平台到Corda平台降低了结算风险,提高了运行系统符合结算风险要求的可能性,但是最终的评估需要进一步的测试。

而操作风险则表现在可扩展性上。据悉,目前加拿大银行同业支付系统每天处理3.2万个交易,高峰期每秒处理10个交易。但是在DLT的某些版本中性能提升十分有限,尽管其他版本可以通过摆脱完全去中心化的框架来实现更大的交易率,但又会降低弹性并减少预期的潜在成本节省。

透明度和隐私风险

批发支付系统中的交易需要私密性,这一要求与某些版本的DLT是矛盾的,因为这些操作是假定在一定程度上公开可见的。

这一问题在Jasper项目的第二阶段得到了解决,系统中出现了一些本应该不存在分布式账本中的东西,使得这一修正让系统遭受单一故障的风险增大。

尽管Jasper项目揭示了DTL在支付系统的一些难以克服的障碍和挑战,但并不意味着这一系统毫无用处。报告也显示,使用基于DTL技术的支付系统可以节省更多成本并提高效率。

而且该项目最大的收获是显示出私营和公共部门携手合作是一件非常有价值的事情,可以获得更多的理解和推动事情的发展。

据报道,虽然DTL与金融系统的融合机会降低,但加拿大的支付制度将在进行进一步的现代化改革。即便它不会涉及DTL,但也将涉及很多创新和协作。

The potential of blockchain technology to revolutionize the existing financial infrastructure has influenced many banking and financial institutions to invest considerable resources in developing and implementing it into their operations. With many collaborative efforts underway, the international banking industry has met with a large success in this regard. But apparently, it is not enough, says Canada’s central bank — the Bank of Canada.

Last week, the Bank of Canada had decided not to incorporate the blockchain based solution into the country’s interbank system. The decision was taken after conducting an in-depth inquiry into its feasibility and other implications. The Senior Deputy Governor at the Bank of Canada, Carolyn Wilkins made the central bank’s view public in a recent article which was published in one of the country’s leading news publication. The piece was co-authored by Gerry Gaetz, the President of Payments Canada.

The research into blockchain technology was carried out by both the entities along with other banking institutions in the country as a part of the R3 Consortium. With a focus on the wholesale payment system, the project codenamed “Jasper” showed that it is indeed possible to upgrade wholesale payments process using distributed ledger. However, the central bank believes that it is too soon to shift from conventional systems to distributed ledger based solutions due to the presence of various hurdles.

According to the authors, the hurdles includes lack of privacy, when it comes to certain public ledgers (e.g. Bitcoin blockchain), an emergence of the risk of a single point of failure encountered after fixing the privacy issue, and the balance between scalability v/s resiliency. Secure and stable blockchains like the Bitcoin blockchain is faced with scalability problems, which limits the rate of transactions. At the same time, other blockchains that support faster transaction rates were found to lack the robustness and integrity of Bitcoin blockchain. In the current situation, the banking institution is faced with a Catch-22 situation where it will have to compromise on one aspect in order to benefit from other.

The current scenario has forced the Bank of Canada to push adoption of distributed ledger technology by a couple of years, until blockchain based interbank systems meet the requirements of safety, security, efficiency and resiliency as per international standards.

However, the Bank of Canada’s decision is not going to impact further work or implementation of blockchain technology by other banks. The sector will continue testing new applications, running pilot projects until they perfect the solution.


用微信扫描可以分享至好友和朋友圈

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

多家日本券商开始试水区块链

高旭 2天前

IBM联合ZF、瑞银开发汽车区块链移动支付系统

Nik De & M... 09-14

影响世界的五项区块链创新

火币区块链研究中心 09-13

从瑞士小镇楚格看区块链发展现状

常笑 09-12

[未央翻译]Fintech国际资讯周报|2017年第36周

高旭 09-08

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