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传统金融的互联网化区块链国际资讯

印度银行业研究所发布区块链实施蓝图

传统金融的互联网化区块链国际资讯

印度银行业研究所发布区块链实施蓝图

据印度《金融快报》(Financial Express)1月22日报道,印度银行业技术发展研究所(Institute for Development and Research in Banking Technology,简称IDRBT)公布了区块链在银行业的实施蓝图。

IDRBT由印度储备银行(央行,RBI)于1996年设立,其目的是对银行业进行研究和试验。据报道,该组织正与印度政府、各银行和业界人士合作,以建立一个可互操作的区块链平台。

鉴于印度在区块链领域并无相关监管规定,该蓝图据称会提出区块链在若干应用领域的路线图,并提出建立协议,以便帮助金融机构通过去中心化平台参与其中。

前印度储备银行副行长R·甘地表示:

“人们越来越多地使用发展迅速且尖端复杂的技术......更多的客户应用诸如物联网在内的移动技术,跨境信息安全威胁加剧”。

因此,银行业和金融业容易遭受更多网络安全风险。

据印度商业标准(Business Standard)报道,该路线图还将描述区块链生态系统的监管内置机制。IRDBT认为,此举将有助于区块链的大规模采用。

2018年整年间,印度政府对加密货币技术观点举棋不定,有时甚至持有敌对态度。虽然RBI在4月下令所有银行停止向加密货币交易所提供银行服务,而且有报道称政府专家小组考虑全面禁止加密货币一切活动,但是RBI却计划推出与印度货币卢比挂钩的数字货币。

据报道,本月,RBI放弃了与卢比挂钩的数字货币计划,因为跨部门小组研究发现卢比的稳定性不足。

之后,印度查谟邦和克什米尔邦警察就投资加密货币可能存在的风险发出了警告,提醒公众加密货币不受政府监管。此外,印度数字银行Digibank 关闭了几个与加密货币活动相关的账户,同时印度市值第二大的私有银行Kotak Mahindra限制了加密货币使用。

India’s Institute for Development and Research in Banking Technology (IDRBT) has published a blueprint on blockchain implementation in the banking sector, Indian daily newspaper the Financial Express reported on Tuesday, Jan. 22.

IDRBT was established by the Reserve Bank of India (RBI) in 1996 in order to conduct research and experiments in the banking sector. The organization is reportedly working with the Indian government, banks and industry players to build an interoperable blockchain platform.

Since there is no relevant regulation for the blockchain sphere in India, the blueprint purportedly presents a roadmap on the technology’s adoption in several areas and offers to establish protocols that would allow financial institutions to interact via decentralized platforms.

Former RBI Deputy Governor R Gandhi  said that the banking and financial sector is vulnerable to more cybersecurity risks due to the “increased use of rapidly evolving, sophisticated, and complex technologies… increased use of mobile technologies by customers, including the rapid growth of the Internet of Things (IoT) and the heightened cross-border information security threats.”

Per the Business Standard, the road map also describes a built-in mechanism for regulatory supervision of the blockchain ecosystem. According to IRDBT, this will contribute to mass adoption of the technology.

The Indian government has demonstrated a mixed and sometimes hostile approach to crypto-related technologies in 2018. While RBI formally stopped all banks from dealing with cryptocurrencies in April and a government panel reportedly considered a complete ban, the RBI considered plans to launch a rupee-pegged digital currency.

In January the RBI reportedly gave up its crypto-rupee plans, as the result of study on stablecoins conducted by an interdepartmental group proved unsatisfactory.

Later that month, Indian police in the state of Jammu and Kashmir issued a warning on the possible risks related to investing in cryptocurrencies, reminding the public that they are not regulated by the government. Additionally, Indian Digibank allegedly closed several accounts involved with crypto activity, while Kotak Mahindra Bank, India's second largest private sector bank by market cap, reportedly imposed crypto restrictions.

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