摘要摘要
支付是商业银行最主要的职能之一。信用证是国际贸易中常用的支付方式，
是商业银行中间业务收入的重要来源，首当其冲受到区块链技术应用的冲击。区
块链技术对银行业的支付体系和支付职能影响重大，意义深远。银行业一方面可
以利用区块链技术获得更高的支付效率，并有效降低成本；另一方面，也需要对
现有的体系和系统做出较大的调整，涉及到的改变范围较广，层次较深

本文在第二章中阐述区块链技术的特征、优劣势和应用领域。第三章对信用
证进行概述，说明信用证的起源和发展、主要特征、结算流程和信用证结算方式
的优缺点以及信用证的发展现状，对传统纸质跟单信用证、电子信用证操作流程
进行比较。并结合实际案例进行研究，探索信用证在新技术推动下的演变方向，
展望区块链技术下信用证的发展变革。第四章阐述现阶段商业银行对区块链的研
究和应用现状，对商业银行引入区块链技术所面临的机遇和挑战问题进行探讨

第五章以 HZ 农村商业银行为例，对其进行 SWOT 分析，进而探讨引进区块链技
术后商业银行在经营和管理模式上应该采取的措施,为商业银行如何应对新技术
带来的结算方式等一系列的变化提供理论上和操作上的建议。最后归纳总结，指
出商业银行只有接受身边的威胁，与它虚心、诚心、真正地合作，这样才有可能
不被颠覆，并主动利用新技术的成果为自身的发展提供支撑

关键词：信用证 区块链 应用场景 商业银行对策AbstractABSTRACT
Payment clearing is one of the most fundamental functions of the banking industry.
Letter of credit is a common method of payment in international trade and an
important income source of the intermediary business in commercial banks. It
primarily bears the impact of the application of blockchain technology. Blockchain
technology exerts significant influences over the payment system and functions of the
banking industry. On the one hand, by applying blockchain technology, the banking
industry can achieve higher payment efficiency and reduce costs effectively; on the
other hand, the banking industry needs to make significant adjustments to the existing
system, the related spectrum of change being broad and the vertical structure of
change being profound.
In this paper, we will begin with an introductory section offering an overview of the
current situation of the development of letter of credit. Empirical evidence will also be
provided to trace the origin and the development, as well as key features, settlement
processes, and the advantages and disadvantages of settlements by letter of credit. We
will then compare the applying processes between traditional paper documentary
letter of credit, electronic letter of credit and blockchain-based letter of credit, study
the evolution of letter of credit propelled by new technologies, and foresee the
development of blockchain-based letter of credit. Lastly, we will consider HZ Rural
Commercial Bank as an example and provide a SWOT analysis, discuss the
challenges and opportunities that commercial banks face during the introduction of
blockchain technology. In our concluding section, we will also provide commercial
banks with theoretical and operational advices on how to adapt to the changes in
payment and settlement methods brought about by new technologies.
Key words: Letter of credit; Blockchain; Application scenarios; Reaction and
management of commercial banks目录目 录
第一章 导论...........1
第一节 选题背景及研究意义.......1
一、选题背景....1
二、研究意义....2
第二节 国内外的研究动态及文献综述...3
一、国外相关研究综述3
二、国内相关研究综述5
第三节 研究内容、预期成果和实践能力水平评估.........6
一、研究内容....6
二、预期成果和实践能力水平评估....7
第四节 采取的研究方法.....7
一、文献研究法7
二、案例研究....7
三、比较分析法8
第二章 区块链概述...........9
第一节 区块链的概念和特点.........9
第二节 区块链的优势劣势与运用领域...10
一、区块链的优势......10
二、区块链技术的劣势..........11
三、区块链应用领域..12
第三章 区块链技术对信用证的冲击.... 16
第一节 信用证的基本概述...........16
一、 信用证的起源....16
二、信用证的定义及其作用..16
三、 信用证结算方式的优点与不足17
第二节 信用证的发展.......18
一、信用证发展现状..18
二、电
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