全球四大银行合作研发新数字货币_BEC初级作文

全球四大银行合作研发新数字货币

“Today, trading between banks and institutions is difficult, time-consuming and costly, which is why we all have big back offices,” said Julio Faura, head of R&D and innovation at Santander. “This is about streamlining it and making it more efficient.”

“如今，银行与机构间的交易困难、耗时且费用巨大，这就是为什么我们都拥有庞大的后台办公室，”桑坦德银行研发与创新主管胡利奥•福拉(Julio Faura)说，“这样做可以精简运作，提高效率。”

Blockchain technology is a complex set of algorithms that allow so-called cryptocurrencies, including bitcoin, to be traded and verified electronically over a network of computers without a central ledger.

区块链技术是一套复杂的算法，让所谓的加密货币（包括比特币）无需中央账本即可通过计算机网络进行电子交易和验证。

Initially sceptical because of worries over fraud, banks are now exploring how they can exploit the technology to speed up back-office settlement systems and free up billions in capital tied up supporting trades on global markets.

起初因担心欺诈而持怀疑态度的银行，如今正在探索如何利用这项技术加快后台结算系统的速度，腾出捆绑在支持全球市场交易上的巨额资本。

The total cost to the finance industry of clearing and settling trades is estimated at between $65bn and $80bn a year, according to a report last year by Oliver Wyman.