블록체인 기술의 활용 가능성과 과제에 대한 검토 -블록체인 기술이 은행업무에 변혁을 초래할 가능성-

Abstract

With the recent progress of FinTech, there is a growing interest in block-chain technology as one of the most promising technologies that can revolutionize banking and systems in the future. Blockchain technology is generally structured such that, in order to manipulate a transaction that has been connected by a cryptographic technique to a transaction history as one chain from the past, it is necessary to manipulate the entire new transaction more than that it is known as a technique to maintain accurate transaction history. Since the system utilizing this technology has characteristics such as data destruction and alteration extremely difficult and real zero downtime system is likely to be realized, it can be applied to various tasks and systems is expected. In light of this, from the viewpoint of improving the convenience of users who are planning to advance the financial services by advancing the progress of IT in the financial field, etc. and from the viewpoint of strengthening the economic growth power of Korea, the Working Group report on the advancement of the financial council and the Japanese Government Rehabilitation Strategy 2016-the Fourth Industrial Revolution (June 2, 2016, each decision), the possibility of the use of block-chain technology and the challenges of the bank and financial administration authorities. The Japanese National Bank Association is composed with a member of the Bank of Japan, IT companies, FinTech corporations, blockchain industry organizations, financial infrastructure operators, lawyers, academic experts and related authorities and examined the possibility and challenges of using the block chain technology in the banking sector. This paper examines the possibility of using the blockchain technology of the banking business as a result of this review meeting and suggests the necessary responses to the privatization of the banking business in order to put the technology into practical use.