在2009年全球金融風暴之下，在以及各國雷厲風行的執行各項洗錢防制及防止金融犯罪的規範下，各家銀行無不使出渾身解數練各種控管機制，為避免被鉅額的罰款，也造成各家銀行近幾年來50%-70%成本在建置各項成本控管及防範措施；而自金融風暴後，客戶對於銀行的期待重新定位，相對的也對銀行的信任度也重新定位。
而區塊鏈的金融應用，說明了部分金融場景中傳統方式運行存在的痛點，以及區塊鏈技術所能帶來的效率提升，解釋了“為什麼”和“怎麼做”的迷惑，實現了區塊鏈技術與金融運營場景的結合。
透過對於區塊鏈技術應用及分析，整理銀行對於未來及面對實現對傳統流程的改造也能服務於創新、應用、歸納和展望。區塊鏈在金融領域的應用並非簡單的流程線上化，也非聳人聽聞的對傳統業務的顛覆和取代，而是對行業的賦能和增效。區塊鏈技術與金融領域結合的深度和廣度還且待開發及應用。但也不可否認，區塊鏈技術還存在諸如安全穩定性風險、交易風險、數據信息安全風險、信用的技術背書風險、擴展應用的安全漏洞風險等等，其在金融領域的進一步推廣取決於網絡安全、業務處理性能、交易一致性等方面的改善。
銀行業應保持對金融、對科技的熱情，在探索的路上，穩紮穩打，步步為營。同時，透過區塊鏈的應用重新定位金融未來以及身為銀行員職場的角色及職涯規劃。

Under the global financial storm of 2009, various countries and banks have resorted to all kinds of control mechanisms in order to avoid being punished with huge fines, and as the countries have vigorously implemented various regulations for money laundering prevention and prevention of financial crimes. It also caused various banks to set up various cost control and preventive measures at annual cost of 50% to 70% in recent years. Since the financial turmoil, customers have repositioned their expectations for banks and their trust to banks.
The financial application of blockchain illustrates the pain points in the operation of traditional methods in some financial scenarios, as well as the efficiency improvements that blockchain technology can bring. It explains the confusion of “why” and “how” and realized the combination of blockchain technology and financial operations scenarios.
Through the application and analysis of blockchain technologies, banks can also serve innovation, application, induction and outlook for future to face how to transform traditional processes. The application of blockchain in the financial field is not a simple process online, nor a sensational subversion and replacement of traditional businesses, but rather an empowerment and efficiency increase for the industry. The depth and breadth of the combination of blockchain technology and finance are yet to be developed and applied. However, it is undeniable that blockchain technology still has risks such as security and stability risks, transaction risks, data information security risks, technical endorsement risks of credit, risks of security vulnerabilities for extended applications, etc., and its further promotion in the financial field depends on the network. Improvements in security, business process performance, transaction consistency, etc.
The banking industry should maintain its enthusiasm for finance and science and technology. In future, it should be steady and steady. At the same time, through the application of the blockchain, it repositions the financial future and the role of the banker's business model and as a banker’s career plan.

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