Explore the use of Distributed Ledger Technology Based on Blockchain to Reengineer Bank Credit Reviewing Process to Improve Credit Quality.

• Main Authors: CHIANG, SHUO-HSUAN, 江碩軒
• Other Authors: LIU, DAN-YI
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/7h764m

碩士 === 靜宜大學 === 國際企業學系 === 105 === Society is centralization nowadays. People put the property under bank’s custody; put privacy under government’s custody. All is because these units are the third party units which is trusted by the people. Blockchain is honored as a technology which has most potential fifth round of subversive revolutionary core technology by McKinsey & Greater China. Blockchain’s characteristic include decentralization. It affected the role of banks in financial institutions strongly. And the blockchain technology is bound to have a qualitative change in the banking industry. Change the appearance of financial industry, but in the process of transformation will not be easy, there will be phased changes in the process. Banks still need to service customer in process of change. This paper is qualitative research and method is secondary data analysis.The purpose of this paper is to analyze that how the credit process will change in bank industry. McKinsey & Greater China report describe that in recent years, commercial banks continue to invest money and human resource in strengthen the credit audit and customer credit to resist all kinds of financial violations has become a great burden. Therefore this paper aims to find the pain points about process, cost and quality by analyzing the credit process and use blockchain technology to reengineer credit process improve pain points. Then put forward the blockchain of financial that whether the enterprise or individual financial activities can be recorded in it. To provide the bank in the shortest time to understand its credit situation for credit approval. The results of this paper proposed a credit process that reengineer by blockchain.