guuvestВестник университетаVestnik Universiteta1816-42772686-8415State University of Management10.26425/1816-4277-2020-5-178-185guuvest-2240Research ArticleФИНАНСЫ И БАНКОВСКОЕ ДЕЛОFINANCE AND BANKINGПЕРСПЕКТИВЫ БЛОКЧЕЙНА В РАЗВИТИИ ФИНАНСОВ ЗЕЛЕНОЙ ЭКОНОМИКИBLOCKCHAIN PERSPECTIVES IN THE DEVELOPMENT OF GREEN ECONOMY FINANCEhttps://orcid.org/0000-0002-2829-9900ДорофеевМ. Л.DorofeevM. L.

канд. экон. наук, 

г. Москва

Candidate of Economic Sciences,

Moscow

dorofeevml@yandex.ruФГОБУ ВО «Финансовый университет при Правительстве Российской Федерации»РоссияFinancial University under the Government of the Russian FederationRussian Federation20201607202005178185Copyright © Дорофеев М.Л., 20202020Дорофеев М.Л.Dorofeev M.L.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://vestnik.guu.ru/jour/article/view/2240

Описано понятие технологии блокчейн, проанализированы ее достоинства и недостатки по сравнению с централизованными системами учета, хранения и обмена информацией. Описаны и проанализированы ключевые проблемы в развитии технологии и в ее внедрении в повседневную жизнь. Сравнительная дороговизна, наличие критических уязвимостей в программном коде, а также недостаточный уровень развития смежных технологий являются существенными препятствиями к развитию технологии блокчейн. Описаны направления развития и внедрения блокчейна в финансовом секторе, а также в сфере зеленых финансов. Таким направлением может стать рынок зеленых облигаций, которому крайне важно отслеживать выполнение требования целевого финансирования. Блокчейн, технологически позволяет эффективно удовлетворять это требование. Важным выводом, полученным в результате исследования, стало то, что несмотря на ряд попыток создать аналоги частных денег (Либра, Грамм и пр.), в ближайшее время замена криптовалютами традиционного фиатного денежного обращения маловероятна по ряду объективных причин.

The work describes the concept of blockchain technology, analyzes its advantages and disadvantages compared to centralized systems of accounting, storage and exchange of information. Key problems in the development of technology and its integration into everyday life are described and analyzed in this work. The relatively high cost, the presence of critical vulnerabilities in the software code, as well as the insufficient level of development of related technologies are significant obstacles to the development of blockchain technology. The directions of development and implementation of blockchain in the financial sector, as well as in the sphere of green finance are described. This direction can be the green bond market, for which is extremely important to track compliance with the requirement of targeted financing. Blockchain, technologically allows to effectively meet this requirement. An important conclusion obtained from the study was that despite a number of attempts to create analogues of private money (Libra, Gram, etc.) in the near future the replacement of traditional fiate money circulation by cryptocurrencies is unlikely for a number of objective reasons.

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The authors declare that there are no conflicts of interest present.