区块链大型巡回播放第210期“金融诟病”

目前金融服务业对于小微企业就是打击，它们借不到款，然后大型的上市公司，即使它已经出现亏损，但是还是可以轻松的融到资金，这样数亿人被排除在主流的经济体系之外，金融机构不愿意为这部分人提供服务，因为这些顾客是高风险的，由此一斑可见有这些金融机构所形成的一个个巨型城堡围墙，普通人根本无法颠覆这些障碍，其实金融服务中，技术变革也很缓慢，而且内部充斥着各种矛盾，例如取钞票用户离开柜台概不负责，如果银行误打钱，用户不敢动用一分。

金融内部这些矛盾由利益相关的人互相维护在一起，分布式账本技术或许可以突破，对于普通的终端用户来说，这些人不会受到限制，可以被链接在一起，金融活动中也不会拒绝这些人的加入，好像每个人又站在了相对公平的起跑线上，分布式账本好处还有交易结算可以实时完成，股票交易背后结算要好几天，所以区块链世界里倡导的是包容、公平的金融体系。

At present, the financial services industry is a blow to small and micro enterprises, they can not borrow money, and then large listed companies, even if they have lost money, can easily raise funds, hundreds of millions of people are excluded from the mainstream economy, and financial institutions are reluctant to serve them because they are high-risk customers, this shows that these financial institutions form a huge castle wall, ordinary people simply can not subvert these obstacles, in fact, financial services, technological change is slow, and full of internal contradictions, for example, it is irresponsible for a customer to leave the cash register. If the bank makes a mistake, the customer will not dare to use a penny.

These contradictions within finance are maintained by the stakeholders, and distributed book keeping may be a breakthrough, for ordinary end users, who are not constrained and can be linked together, there's no turning away from them in the financial world, as if everyone is at a relatively fair starting point again, the benefits of distributed bookkeeping and the fact that transactions can be done in real time, and the underlying settlement of stock transactions can take days, so the blockchain world advocates an inclusive and fair financial system.

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编译者/作者：醉玲珑

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