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复旦金融评论|区块链如何颠覆金融行业？( 七 )


Charles Chang: How do they view the ecosystem? Are these going to be core-competencies at the institutional level (i.e., will mega-firms internalize these capabilities) or will this develop into a separate sector of the industry?
Greg Schvey: Every major financial institution needs to have sufficient expertise to understand the systems they’re using, particularly from a security and risk management perspective. That said, understanding every intricacy of how the system works isn’t required from a usability perspective more generally.
Going forward
Charles Chang: What is the next generation of applications or usage cases that you find most interesting?
Greg Schvey: We really haven’t seen traditional securities move to Blockchain infrastructure yet in any meaningful way, despite the many attempts. This would be a great step forward for the industry.
Charles Chang: Are there people working in those spaces now? If not, what are the key milestones we need to hit in order for these to become a reality?
Greg Schvey: There are many people who have tried this. One of the big milestones would be obtaining regulatory clarity about the recognition of a security in a distributed, digital environment.
Charles Chang: Going farther out, if we looked at this in terms of 5- or 10-years from now, how might you expect “finance proper” to be different from what we are seeing today?
Greg Schvey: People far overestimate the automation in finance today. There is still a huge amount of manual work being done for repetitive, unnecessary processes. That will look very different over the next decade. As that lowers the cost of doing business, I expect we’ll see more challengers to traditional financial models that historically have required monstrous balance sheets to facilitate.
Charles Chang: In terms of the social good, how is this future better than where we are today? Other than growing a new sector in the finance that provide some jobs and opportunities to make money, how are every-day investors going to benefit?
Greg Schvey: The first thing I’d point to about social good is the transparency and auditability this technology brings to financial markets. Much of what financial institutions and regulatory agencies spend time on is trying to understand the impact of various risks. With full transparency, identifying and solving for that systemic risk is much easier.
Charles Chang: Can you speak to the development of Blockchain-in-finance in China? How would you describe the “state” of the industry in China?
Greg Schvey: I’ve been impressed with the amount of resources and other support the government itself has put behind the technology. It’s a network-based tech, so anything that can drive a large scale network quickly will be critical. In the U.S., it’s generally left to the market to make that determination over time.
I have to imagine China will be the first global power with a government-backed digital currency. There will be benefits in terms of efficiency, as well as risks regarding access and authority, but the opportunity to set a precedent for the world cannot be overlooked.


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