The difference between traditional loans and blockchain loans

1. Hello, it's a great honor to be here to answer your question. The following are some of my views on this issue. If there are any mistakes, please point them out. Start all
and enter the column
almost every supporter of encryption start-ups has a trend, that is, to use the decentralized value of blockchain technology to sell their business fundamentals

in this paper, we will explain the differences between decentralized financial agreement business and traditional business:

we will mainly discuss two aspects:

1) what is the real meaning of defi

2) what are the types and main differences of defi platforms< Users of traditional financial systems often want to build a system that is easier to access, more transparent, lower transaction costs and less dependent on intermediaries. To build such a more equitable financial system, banks, loans and derivatives must undergo fundamental changes. In addition, a decentralized ecosystem, such as defi, is needed. It promotes P2P lending, eliminates centralized control, and provides users with financial freedom

recently, in the field of cryptocurrency, there are many discussions about defi. It provides financial services to the world: loans, derivatives and other procts. Moreover, the role of traditional financial intermediaries has weakened, or even failed to play a role. Proponents of a decentralized financial system see defi as a good alternative to traditional lending. Some have called it the future of borrowing

defi is built on public blockchains such as bitcoin network and Ethereum. It has become one of the "core drivers" on the Ethereum network. By using unlicensed distributed networks, the defi platform converts financial procts into untrusted protocols that can be accessed by anyone anywhere in the world. People who don't have an account in the bank can also use the defi solution to loan and borrow assets, as well as to trade with financial instruments

open source platforms provide users with great benefits, including transparency, cheap cross-border transactions, no credit checks and less censorship. Anyone can carry out financial activities because there is no geographical restriction<

the degree of decentralization of defi

in recent months, the introction of defi solutions has proliferated. They have different models and their degree of decentralization is also different. Compared with other models, some defi models have poor dispersion. This is because only a few of their components are decentralized, while the rest are still centrally controlled by the company

the establishment of agreement, non trust, price supply, determination of interest rate, provision of liquidity of margin call and start-up of margin call are the key components of defi agreement. They determine the degree of decentralization

if there are a large number of decentralized components, then the defi protocol is more decentralized than other models. Such a protocol will give users complete control over their digital assets and get rid of centralized control. So far, there is no single defi protocol that disperses all components

each defi protocol is assigned a category according to the number of distributed components:

centralized finance (cefi)

defi solutions are usually unmanaged, which means that users can control their funds and be responsible for their security. Instead, cefi is hosted. The central system is responsible for keeping the assets of users and ensuring the safety of users' funds

when it comes to loans or loans, users can't control any aspect of funds. The interest rate is determined by the central government, and the liquidity of margin call is provided by the central system or authorities. Cefi procts use centralized price supply, and it is also permitted to issue margin call. Thank you very much for your patience. If you have any help, please accept it. I wish you a happy life! thank you!

2. Now, Bank of Changsha also cooperates with a public platform of SMIC blockchain, which seems to be a blockchain loan for small and micro enterprises.

3.

Blockchain finance is actually the application of blockchain technology in the financial field

blockchain is an underlying technology based on bitcoin, and its essence is actually a decentralized trust mechanism. Through sharing in distributed nodes to maintain a sustainable database, the security and accuracy of information can be achieved. The application of this technology can solve the trust and security problems in the transaction, and the blockchain technology has become an optional direction for the future upgrading of the financial instry. Through the blockchain, both parties of the transaction can carry out economic activities without the help of the third-party credit intermediary, so as to rece the cost of the global transfer of assets

extended data:

since 2016, the major financial giants have also heard the news and launched blockchain innovation projects one after another to explore the possibility of applying blockchain technology in various financial scenarios. In particular, Puyin group took the lead in creating a "blockchain +" standard digital currency. Standard digital currency refers to the process of assets identification, evaluation, right confirmation and insurance completed by a third party organization. After careful digital algorithm, it is written into the blockchain to form the standard corresponding relationship between assets and digital currency, which is called standard digital currency

in order to realize the great leap forward development of blockchain finance, promote the new development of China's economy, accelerate the global asset circulation, and realize the dream of rejuvenation that has been struggling for generations, Puyin group will hold the Guiyang strategic development ceremony of Puyin blockchain finance in Guizhou on December 9, 2016, at which the discussion on the realization of digital circulation of assets, block chain financial transaction mode, and block chain financial transaction mode will be held It also discusses the application of blockchain service and social public instry

4. In addition to issuing money, block chain + finance can also be applied to areas such as supply chain finance, small and micro loans, etc., and the essence of Internet plus finance is to rece costs and improve efficiency when exchanging value. Many audit information can be traced back, and the coordination and coordination efficiency of many organizations can be improved.
now there is a good application of blockchain + finance, which is the public service platform of SMIC blockchain. They have direct business cooperation with Bank of Changsha in small and medium-sized micro loans
I hope the answer will help you. If you don't understand, you can continue to ask.

5.

Fried coins or something

at present, the application of blockchain technology is virtual currency. Therefore, virtual currency is also known as the first real birth proct of blockchain. The popularity of virtual currency is also obvious to all, which has set off a frenzy of investment in many countries. According to foreign media reports, the number of virtual currency transactions in the United States has reached 5 million; South Korea is estimated to be the craziest nation in the world, with one in every 50 people speculating, and 31% of the working class buying and selling virtual currency; Venezuela has also issued the world's first virtual currency with the nature of national sovereignty - oil currency

with the popularity of virtual currency, market investors are not only satisfied with the conventional trading mode of buying low and selling high, but also actively seek more simple and convenient trading ways to obtain more profits. The virtual currency trend trading method was born and successfully captured the hearts of investors in a short time, becoming a major mainstream trading mode

according to

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, the trend trading method of virtual currency is exclusively launched by speedxo, an international financial service provider with deep experience. It mainly deals with the currency pair composed of virtual currency and real currency, and it can make profits as long as it is bullish or bearish. For example, if an investor trades in "bitcoin / US dollar", he or she only needs to judge whether the price will rise or fall after 30 seconds, and buy up or down according to the trend. If he or she buys in the right direction after 30 seconds, he or she can get 93% of the net income of the investment amount. It is this kind of rise and fall are profitable, time-consuming, no need to take advantage of the market, the trend trading method quickly swept the entire currency circle

6. Certainly not, because blockchain itself has no value, just like bitcoin. Some foreign countries recognize it as currency, but China does not recognize bitcoin. In China, the value of bitcoin is zero. Do you think blockchain can loan.

7. Property mortgage requirements:
our bank accepts commercial housing and commercial housing with clear property rights and strong liquidity as collateral
[warm tips] the following conditions must be met:
① the real estate used for mortgage and the loan agency must be located in the same city, and the personal mortgage house purchase loan does not accept the collateral from other places< (2) the real estate with appraisal present value less than or equal to 100000 yuan will not be accepted as collateral
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled according to law, and there is no adverse liquidation such as property right dispute
④ it has strong liquidity, good property structure, complete water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services, no disputes and problems, and it is not within the scope of demolition planned by the government< (5) if the mortgage is a commercial house, the age of the house shall not exceed 20 years, and the loan / credit period plus the age of the house shall not exceed 40 years in principle; If the mortgage is a commercial house, the age of the house shall not exceed 20 years, and the loan / credit period plus the age of the house shall not exceed 30 years in principle< In principle, commercial houses that have been idle for more than six months will not be accepted as collateral
for details, please contact the personal loan department of local outlets for consultation and confirmation.

8. In addition to issuing currency, blockchain + finance can also be applied to fields such as supply chain finance, small and medium-sized micro loans, etc. just say it without practicing fake tricks. You can search the public service platform of SMIC blockchain. They do blockchain, and have a cooperation with Bank of Changsha in blockchain + finance. The project has also been implemented, so you can get familiar with it.

9.

Supply chain financing is a kind of financing mode which takes the core enterprises in the supply chain and their related upstream and downstream supporting enterprises as a whole, and formulates an overall financial solution based on the control of goods rights and cash flow according to the transaction relationship and instry characteristics of enterprises in the supply chain

the difference between supply chain financing and traditional financing business:

is essentially different. The essence of supply chain financing is the change of credit culture of banks or financial institutions. The essence of traditional financing business is to raise funds from investors and creditors of the company through certain channels

advantages of Supply Chain Financing:

1. Not only small and medium-sized enterprises can get benefits, but also core enterprises in the chain can get business and capital management support, so as to improve the overall quality and stability of the supply chain, and finally form a win-win situation between banks and supply chain members

Supply chain financing not only helps to solve the problem of financing difficulties of supporting enterprises, but also promotes the effective interaction between finance and instry, which makes banks or financial institutions jump out of the limitations of single enterprise, and change their focus from static to dynamic tracking of enterprise operation, fundamentally changing their observation vision, thinking vein, credit culture and development strategy

For core enterprises, they can provide value-added services for suppliers with the help of bank supply chain financing, so as to make the capital flow more regular and rece the payment pressure. At the same time, it can expand its own proction and sales, rece its own financing, and increase the efficiency of capital management

the principle of Supply Chain Financing:

1

2. Banks and financial institutions integrate the capital flow of banks or financial institutions with the logistics and information flow of enterprises according to the stable and supervised receivable and payable information and cash flow

Then banks or financial institutions provide integrated business services such as financing and settlement services to enterprises

The unified management and coordination of logistics, capital flow and information flow make the participants, including all enterprises in the supply chain and banks or financial institutions, get their own "cheese", so as to further improve the efficiency of supply chain management. At the same time, warehousing and logistics companies can help financial institutions rece credit risk through direct control of materials

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extended information:

news about supply chain financing:

the results of cite 2019 blockchain innovation results were announced at the 7th China electronic information Expo (cite 2019), and Tencent cloud blockchain Supply Chain Finance (warehouse receipt pledge) solution was rated as "excellent solution of cite 2019 blockchain"

the scheme fully integrates Tencent cloud blockchain technology with warehouse receipt pledge financing scenario, and combines with intelligent warehousing, intelligent Internet of things, artificial intelligence, big data analysis and other technical capabilities to effectively solve the problems of identity trust, risk control and low efficiency in the process of traditional warehouse receipt pledge financing