最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式区块链国际资讯

《美国银行家》:比特币已经为全球银行业指明了发展方向

《美国银行家》是著名的美国贸易日报,从1836年开始就一直专注于金融行业。这份报纸最近专题中发表了一份分析文章,由总编辑Marc Hochstein亲自执笔,文章标题为《我怎么错过了比特币?》,展现出了比特币已经为全球银行业指明了方向。

手续费和速度

2012年,Hochstein在一篇标题为《闪电搬的速度,便宜的价格:比特币展现出银行业能够做的事情》中指出一种新的点对点数字现金系统已经出现。5年前,Hochstein称赞比特币网络的手续费低,速度快并且不需要中间商或调解机构参与。

经过数年之后,比特币的去中心化性质仍然没有变,但是比特币交易的手续费和结算速度却变了。由于比特币网络和市场的爆发式增长平均每笔比特币交易手续费已经超过2.5美元,除此之外,在某些时候,比特币内存池——比特币交易等待矿工结算的预备区——经常充满未确认的交易,比特币的交易确认有时候需要等待数小时,甚至更长。

然而,Hochstein对比特币的核心原则和功能仍旧很乐观,包括比特币以一种去中心化透明和公平的方式进行交易结算和数据转移。尽管比特币交易手续费可能会高达2.5美元,不过用于解决交易延展性的扩容解决方案,如隔离见证SegWit即将到来。

毕竟,比特币是一种技术并且处于早期阶段。与所有的区块链网络一样,比特币正处于扩展和解决用户群快速增长的过程中。

例如,在过去12个月,最著名的和被广泛使用的钱包平台Blockchain获得的用户(700万)要比2009年到2017年加起来更多。关于比特币交易手续费上涨的讨论和抱怨完全掩盖了这些显示出比特币网络出人意料地迅速增长的数据统计。

@Blockchain在过去12个月里增加的用户数量(700万)要比2009年到2016年加起来还要多。比特币正处于爆发式增长!——— Joseph Young (@iamjosephyoung) June 24, 2017

金融隐私和成本效益

自从诞生以来,比特币要解决的问题就不是高昂的银行服务手续费或者带来一种匿名的金融网络。金融隐私和成本效益只是比特币实际用途的副产品。

正如Marc Hochstein写的那样,比特币的主要重点是建立一种抗审查和去中心化的全球数字现金系统。

Hochstein写道:

“不,比特币的关键在于其抗审查性——这一点在我最初的文章中只是间接提到过,我当时提到比特币这种货币可以被用于在暗网上购买毒品或者向维基泄密捐款,然后在主要支付网络的封锁下运行。”

American Banker, a daily trade newspaper that has been covering the financial sector since 1836, recently featured an analytical piece by its editor-in-chief Marc Hochstein entitled “How I missed the point of bitcoin,” to demonstrate how Bitcoin has shown what global banking should be.

Fees and speeds

In 2012, Hochstein noted in an article entitled “Lightning fast, dirt cheap: bitcoin shows what banking could be,” that a new peer to peer digital cash system has emerged. Five years ago, Hochstein praised the Bitcoin network’s ability to settle transactions with low fees and at fast speeds without the necessity and involvement of intermediaries or mediators.

The decentralized nature of Bitcoin remains identical but what has changed in Bitcoin is its fee and settlement speed. Due to the explosive growth of the Bitcoin network and its market, average Bitcoin transaction fees have increased beyond $2.5. In addition, at certain periods wherein the Bitcoin mempool, the holding area of Bitcoin transactions for the miners, is full of unconfirmed transactions, the confirmation of transactions can take hours.

However, Hochstein remains optimistic towards the core principles and functions of Bitcoin that include the settlement of transactions and transfer of data in a decentralized, transparent and fair manner. Although Bitcoin transactions can cost up to $2.5, scaling solutions such as the Bitcoin Core development team’s transaction malleability fix segregated witness (SegWit) are imminent.

After all, Bitcoin is a technology and it is in its early stage. Like all Blockchain networks, Bitcoin is in the process of scaling and addressing the rapid growth of its user base.

For instance, in the past 12 months, the most popular and widely utilized wallet platform Blockchain added more users (seven mln) than it did throughout the seven-year period from 2009 to 2016. Discussions and complaints on the rapidly rising fees of Bitcoin transactions completely ignore some of these statistics that demonstrate the unexpectedly fast growth of the Bitcoin network.

Financial privacy and cost-effectiveness

Since its launch, the problem Bitcoin went on to solve was not the high fees of banking services nor the issuance of an anonymous financial network. Financial privacy and cost-effectiveness came as byproducts of Bitcoin’s actual purpose. As Marc Hochstein wrote, Bitcoin’s primary focus was to establish a global digital cash system that is censorship-resistant and decentralized.

“No, the key thing about bitcoin is its censorship-resistance — something that I only obliquely touched on in my original post, when I mentioned that the currency could be used to purchase drugs on the dark web or send donations to WikiLeaks, which was then operating under a blockade by the major payment networks,” wrote Hochstein.


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