金融资产的代币化：投资世界演变的下一步

虽然大多数人都会熟悉比特币，一种通过比特币区块链创建的加密资产或代币，但很少有人意识到使用区块链将主流金融资产代币化的能力。 今年 1 月，贝莱德首席执行官拉里·芬克 (Larry Fink) 表示表示，“下一步将是金融资产​​的代币化，这意味着每只股票、每只债券……都将记录在一个总账上。

Most people are familiar with bitcoin, a crypto asset or token that is created through the bitcoin blockchain. However, fewer people are aware of the ability to use blockchain to tokenise mainstream financial assets.

大多数人都熟悉比特币，这是一种通过比特币区块链创建的加密资产或代币。然而，很少有人意识到使用区块链将主流金融资产代币化的能力。

According to global consulting firm McKinsey, tokenisation is the process of issuing a digital, unique and anonymous representation of a real thing.

根据全球咨询公司麦肯锡的说法，代币化是发行真实事物的数字、独特和匿名表示的过程。

A digital token can only be created and changed through a blockchain – a network of computers that independently verify all transactions through what is known as a digital decentralised ledger. This code can never be deleted.

数字代币只能通过区块链创建和更改，区块链是一个计算机网络，通过所谓的数字去中心化账本独立验证所有交易。此代码永远无法删除。

This could bring great efficiency and cost savings to the investment world.

这可以为投资界带来巨大的效率和成本节约。

While tokenisation of financial assets is still in its early stages, several fund managers, such as BlackRock and Franklin Templeton, are already using tokenised money market funds.

虽然金融资产的代币化仍处于早期阶段，但贝莱德和富兰克林邓普顿等几家基金管理公司已经在使用代币化货币市场基金。

According to projections, tokenised market capitalisation could reach around $2 trillion by 2030.

据预测，到 2030 年，代币化市值可能达到 2 万亿美元左右。

Bloem highlights the need for the South African economy to expand its entrepreneurial base, as it serves as the foundation for job creation and economic empowerment.

布洛姆强调南非经济需要扩大其创业基础，因为它是创造就业和经济赋权的基础。

Despite this, traditional networks fail to cater to this segment.

尽管如此，传统网络仍无法满足这一细分市场的需求。

In most developed markets, reverse mortgages or equity release are substantial businesses. However, in South Africa, they remain largely untapped.

在大多数发达市场，反向抵押贷款或股权发行都是重要业务。然而，在南非，它们基本上尚未开发。

This financial instrument allows homeowners to access a portion of the equity in their homes, which can be used for various purposes, such as covering medical expenses or supplementing retirement income.

这种金融工具允许房主获得其房屋的一部分净值，可用于各种目的，例如支付医疗费用或补充退休收入。