区块链金融场景应用分析及企业级架构探讨

区块链作为一种全新的技术组合，正渗透到不同的金融场景中，发挥出颠覆性的作用，同时也面临着各种挑战。为了保护这个朝阳产业，针对金融企业级应用场景上的挑战，本文提出了“三步走”的系统化解决方法：第一，在软件建模方式与架构设计上，采用领域驱动模式规范构建项目，分离业务与技术的关注点；第二，打造一站式区块链即服务基础平台，打造开放共赢的区块链技术与服务生态；第三，通过多业务、多链跨链技术满足不同业务需求面临的差异化场景、流程、用户、数据管控上的要求。该解决方案未来有望在金融、数字资产、供应链、风险管理、共享经济等领域实现更多尝试与落地应用。

An Analysis of Blockchain Applications in Financial Scenarios and an Exploration of Enterprise Software Architecture of Blockchain as a Service(BaaS)

As a new technology stack, blockchain applications are infiltrating into different financial scenarios, by exerting disruptive effects. At the same time, they are facing various challenges, from technical limitations, security and extensibility requirements, to policy restrictions. Rational thinking is essential, which involves understanding the essence of blockchain technologies, knowing how to apply technology to the appropriate scenario, recognizing major safety and scalability bottlenecks andbeing prepared for different levels of risks that may arise and solving the technological challengesand assisting to build the regulatory legal system. In launching a project of financial blockchain as a service platform, a three-step systematic solution is proposed. Firstly, usingthe model-driven architecture in system modeling and software architecture design, different perspectives of technologies and business processesare separated. Secondly, an open and win-win ecology is constructedby building an one-stop BaaS Platform system. Thirdly, multi-chain technologies are appliedto meet the different business requirements. This projectsuccessfully verifies the feasibility and reliability of cross-organization blockchain alliance in a real-world scenario of technology finance. Looking into the future, blockchain technologies can achieve more practical applications in more areas, for example, in financial sectors, digital assets, supply chains, shared economy and so on.