区块链技术能够有效解决信用不足而产生的风险、保证金融交易安全，受到互联网金融企业的普遍关注。区块链技术是一种以大数据共享理论为基础的现代互联网金融技术，依靠其去中心化、去信任化、集体维护、可靠数据库四大优势，建立金融黑白名单，进而从根本上改变现代金融的征信体系，降低金融风险与金融诈骗风险，因此区块链技术在我国将具有极大的发展机遇。同时，区块链作为一项新的互联网金融技术，由于在我国的发展起步较晚，其技术特点与优势不明显、理论体系不完善，在未来发展中将面临诸多困难。即便如此，随着区块链的不断普及和技术的不断发展，区块链将突破现有的金融领域，拓展医疗、教育、传媒、社交、公正等场景，使得区块链技术的应用范围更加广泛。%Block chain technology can effectively solve the risk arising from the lack of credit and ensure the security of financial transactions, so Internet financial enterprises are generally concerned about it. Block chain is the modern Internet finance technology that is based on the data sharing theory, it relys on the remove centrality, to remove trust, collective maintenance, reliable database to set up a financial black and white list and fundamentally to change the credit system of modern finance , so block chain will have a great opportunity for development in the future. At the same time, block chain as a new theory and started late in our country, so it is not perfect in technology and system. Even so, with the development of block chain, it will break the existing financial sector, and extended to the sector such as:medical, education, media, social justice and other scenes.
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