Xinwang bank blockchain
According to Caixin, the digital bill trading platform based on blockchain promoted by the central bank has been successfully tested, and the legal digital currency issued by the central bank has been put into trial operation on the platform, and the R & D center will be set up in the near future for continuous improvement; After the Spring Festival, the digital currency Research Institute of the central bank will also be officially listed. This means that in the world, the Central Bank of China will become the first central bank to issue digital currency and carry out real application, and take the lead in exploring the practical application of blockchain. The implementation of the project is a major financial technology achievement led by the central bank and independently innovated and developed. This shows that the people's Bank of China is closely following the international frontier trend of financial technology, striving to grasp the foresight and control of the application of financial technology, and its determination and efforts to explore and practice frontier financial services. The people's Bank of China has said that it will publish digital currency R & D talents on the official Internet, which is of great importance. Here I would like to remind you that the more formal and professional new things are, the more professional talents must be given to operate them
caixin.com: the prototype system of the central bank's digital bill trading platform has been successfully tested
http://finance.caixin.com/2017-01-25/101048999.html
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for example, Internet of things digital currency / national cause (charity) wechat group fraud backbone [Wang Sulan] [Cai Yongming] [Xue gendi] [Du Kaiju] [Liu Yanfei] [Wang Jufang], [Tian Genmin], [Li qiuqiong], [Fu Yunjuan], [sun Qing], [Wang Yanyan], [Qu Fengtao], [Li MEIXIA], [Wu Juzhen], [Lin Baihe], [Li Jianhua], [Xu Tao], [Li Yingchun] and others have painstakingly created [a learning group from Lei Feng], [accurate poverty support and pay group], [b33651 group in ten districts], [Wang Sulan, Cai Yongming new project report group], [Shanghai Learn from Lei Feng core group, work together and help each other group, Shanghai Xue gendi team, learning group (Shanghai), positive energy 605 group, charity 128 group-1, 4 detachment 158 group, 2128 brigade, charity love harmony 87 group, Internet of things 133-9 group, China Internet of things digital currency, 68 District 172 group, Third Bureau, independent special zone of Internet of things, Qian Shuai 16, Li Jianhua, China Internet of things digital currency In order to avoid the attack of network security, we need to change the group name from time to time, and so on. These fraud groups are all advocating various high return projects under the guise of patriotism ([Cai Baiping Asian investment bank project], [169 yuan project], [958 group benefiting the country and the people project (charity enriching Chen Yuying team project)], [charity enriching the people (958 group 51 single) project table 22 yuan, supplementary payment 20 yuan], [2 Yuan Li Yunlong (love) China Chen Yuying foundation project], [10 yuan silver fund fee - 958 group], [Ministry of finance project charity enriching the people Chen Yuying team (100 yuan) project] [18 new projects E-form charity enriching Chen Yuying team on April 9, 2017], [Chen Yuying 200000 Lika project pay 17 yuan - Li qiuqiong], [ABC card 10 yuan silver fund charity enriching Chen Yuying team Jintan Wang Jufang Shanghai Xue gendi team], [State Council's notice and declaration form on the state's welfare for meritorious persons], [State Council's notice and declaration form on the state's welfare for meritorious persons] [3 platform reward form, March 29, 2017], [Dutch crowdfunding project], [International Plum Blossom Association salary payment project], [ease fund settlement fee payment project], [Chinese national welfare fund 60 yuan project], [Guanghua Foundation (20 + 116 yuan) love fund settlement fee payment project], [harmonious home Shanghai team 9.9 yuan project], [China national welfare fund 60 yuan project], [Guanghua Foundation (20 + 116 yuan) love fund settlement fee payment project], [harmonious home Shanghai team 9.9 yuan project] [key meeting card fee for unfreezing national assets of bird's nest on April 25, 2017], [US dollar unfreezing (19667 + Xinbao 170) project], [platform reward fund project], [37 group project of four southwest teams of targeted poverty alleviation], [38 group project of four southwest teams of targeted poverty alleviation], [20 yuan tax paid for 16 yuan Chen Yuying project - 958 group], [investigation on targeted poverty alleviation of General Office of the State Council], [investigation on targeted poverty alleviation of General Office of the State Council] [Ningbo team Ministry of Finance and Red Cross donation project], [218 yuan project], [55 yuan project], [668 yuan project], [1680 yuan project], [35 + 23 yuan project of Sanfeng foundation of guoyuhuan East China Bureau], [Shanghai group of 958 national charity fund members], [20 yuan project of 958 group charity enriching people], [20 yuan project of guoyuhuan East China Bureau] [1000 yuan people's livelihood membership card]... And so on, Semi militarized management was adopted to incite nationalist sentiment. Everyone was required to change the background of their head portraits to red and take formal photos. Moreover, the flag was raised every morning, and activities were held at night when they went to bed. Everyone also had to sing together. In addition, ordinary members are not allowed to talk or pull people into the group at will. All kinds of so-called high return project report documents in the group, brainwashing MP3 lecture recordings of backbone members (such as voice content of CAI Baiping's speech, which was exposed by the Ministry of civil affairs of the people's Republic of China on December 16, 2016 pretending to be vice mayor of Nanjing and national executive president of aiib) (such as propaganda of Qi Lihua 169 project), photos of national leaders of PS presiding over the charity fund distribution meeting All kinds of fake central red head documents emerge one after another. Every night, there are propagandists to organize lectures. In addition to participating in these activities within the group, people in the group also need to sign a letter of commitment, resolutely follow the group leader, make rational use of donations, refuse to buy foreign procts, be willing and bear legal responsibility. In the context of swindlers, the old people are making contributions to the national rejuvenation. Deception not only brings persecution to the victims' families economically, but also some people are stubborn and even threaten to sever their relationship with their close relatives in order to accomplish their "great cause". Very bad nature (similar to MLM brainwashing money)! The consequences are very serious (property lost, family broken)! Extremely corrupt morality (cheating with patriotic feelings)
Of course it's fake < H2 > [alert! According to Caixin, the digital bill trading platform based on blockchain promoted by the central bank has been successfully tested, and the legal digital currency issued by the central bank has been put into trial operation on the platform, and the research and development center will continue to improve in the near future; After the Spring Festival, the digital currency Research Institute of the central bank will also be officially listed. This means that in the world, the Central Bank of China will become the first central bank to issue digital currency and carry out real application, and take the lead in exploring the practical application of blockchain. The implementation of the project is a major financial technology achievement led by the central bank and independently innovated and developed. This shows that the people's Bank of China is closely following the international frontier trend of financial technology, striving to grasp the foresight and control of the application of financial technology, and its determination and efforts to explore and practice frontier financial services. The people's Bank of China has said that it will publish digital currency R & D talents on the official Internet, which is of great importance. Here I would like to remind you that the more formal and professional new things are, the more professional talents must be given to operate them
caixin.com: the prototype system of the central bank's digital bill trading platform has been successfully tested
http://finance.caixin.com/2017-01-25/101048999.html
{rrrrrrr}
for example, Internet of things digital currency / national cause (charity) wechat group fraud backbone [Wang Sulan], [Cai Yongming], [Xue gendi], [Du Kaiju], [Liu Yanfei], [Wang Hongjun] Ju Fang, Tian Genmin, Li qiuqiong, Fu Yunjuan, sun Qing, Wang Yanyan, Qu Fengtao, Li MEIXIA, Wu Juzhen, Lin Baihe, Li Jianhua, Xu Tao, Li Yingchun, etc. created a learning group from Lei Feng, precision poverty alleviation group, b33651 group, Wang Sulan, Cai Yongming new project report group, Shanghai learning group Lei Feng core group, Shanghai xuegendi team, learning group, positive energy 605, charity 128-1, charity love harmony 87, Internet of things 133-9, China physical network digital currency, 68 District of Third Bureau, Qian Shuai 16, independent special zone of Internet of things, Li Jianhua, digital currency of China Internet of things Three groups, such as [Lin Baihe ~ China Internet of things digital currency group], [AQR Daqin Financial Holdings] (in order to avoid the attack of network security, change the group name from time to time), and so on. These fraud groups are advocating various high return projects under the guise of patriotism ([Cai Baiping investment bank project], [169 yuan project], [958 group benefiting the country and the people project (charity enriching Chen Yuying team project)], [charity enriching the people (958 group 51 single) project table 22 yuan, supplementary payment 20 yuan], [2 Yuan Li Yunlong (love) China Chen Yuying foundation project], [10 yuan silver fund fee - 958 group], [Ministry of finance project charity enriching the people Chen Yuying team (100 yuan) project] [18 new projects E-form charity enriching Chen Yuying team on April 9, 2017], [Chen Yuying 200000 Lika project pay 17 yuan - Li qiuqiong], [ABC card 10 yuan silver fund charity enriching Chen Yuying team Jintan Wang Jufang Shanghai Xue gendi team], [State Council's notice and declaration form on the state's welfare for meritorious persons], [State Council's notice and declaration form on the state's welfare for meritorious persons] [3 platform reward form, March 29, 2017], [Dutch crowdfunding project], [International Plum Blossom Association salary payment project], [ease fund settlement fee payment project], [Chinese national welfare fund 60 yuan project], [Guanghua Foundation (20 + 116 yuan) love fund settlement fee payment project], [harmonious home Shanghai team 9.9 yuan project], [China national welfare fund 60 yuan project], [Guanghua Foundation (20 + 116 yuan) love fund settlement fee payment project], [harmonious home Shanghai team 9.9 yuan project] [key meeting card fee for unfreezing national assets of bird's nest on April 25, 2017], [US dollar unfreezing (19667 + Xinbao 170) project], [platform reward fund project], [37 group project of four southwest teams of targeted poverty alleviation], [38 group project of four southwest teams of targeted poverty alleviation], [20 yuan tax paid for 16 yuan Chen Yuying project - 958 group], [investigation on targeted poverty alleviation of General Office of the State Council], [investigation on targeted poverty alleviation of General Office of the State Council] [Ningbo team Ministry of Finance and Red Cross donation project], [218 yuan project], [55 yuan project], [668 yuan project], [1680 yuan project], [35 + 23 yuan project of Sanfeng foundation of guoyuhuan East China Bureau], [Shanghai group of 958 national charity fund members], [20 yuan project of 958 group charity enriching people], [20 yuan project of guoyuhuan East China Bureau] [1000 yuan people's livelihood membership card]... And so on, Semi militarized management was adopted to incite nationalist sentiment. Everyone was required to change the background of their head portraits to red and take formal photos. Moreover, the flag was raised every morning, and activities were held at night when they went to bed. Everyone also had to sing together. In addition, ordinary members are not allowed to talk or pull people into the group at will. All kinds of so-called high return project report documents in the group, brainwashing MP3 lecture recordings of backbone members (such as voice content of CAI Baiping's speech, which was exposed by the Ministry of civil affairs of the people's Republic of China on December 16, 2016 pretending to be vice mayor of Nanjing and national executive president of aiib) (such as propaganda of Qi Lihua 169 project), photos of national leaders of PS presiding over the charity fund distribution meeting All kinds of fake central red head documents emerge one after another. Every night, there are propagandists to organize lectures. In addition to participating in these activities within the group, people in the group also need to sign a letter of commitment, resolutely follow the group leader, make rational use of donations, refuse to buy foreign procts, be willing and bear legal responsibility. In the context of swindlers, the old people are making contributions to the national rejuvenation. Deception not only brings persecution to the victims' families economically, but also some people are stubborn and even threaten to sever their relationship with their close relatives in order to accomplish their "great cause". Very bad nature (similar to MLM brainwashing money)! The consequences are very serious (property lost, family broken)! Extremely corrupt morality (cheating with patriotic feelings)
"the factory has not started work for more than two months, the accounts receivable has not been recovered, and the wages and raw materials have not been settled. How can we resume work?" Affected by the epidemic, Hunan Changsha Meihua frame and panel factory, which provides supporting parts for large-scale construction machinery manufacturing enterprises, once shut down. Li Yong, the person in charge of the company, was anxious and helpless< In the meantime, Li Yong learned that Hunan Branch of China Construction Bank (7.230, - 0.02, - 0.28%) launched network supply chain financing procts to support enterprises to pledge financing with accounts receivable. With the mentality of trying, Li Yong applied online: "unexpectedly, in less than an hour, 3.33 million yuan of loans went into the account."
Liu Jiahui in Bayannaoer, Inner Mongolia, is a small distributor of Haier air conditioning. During the peak season of sales, Liu Jiahui plans to prepare another batch of goods, but the capital gap of several hundred thousand yuan makes her a little worried
things soon took a turn for the better. Liu Jiahui heard that the supply chain financial services launched by e-commerce bank in cooperation with Haier can provide mortgage free and guarantee free financing support for downstream dealers. Liu Jiahui applied on Alipay, and the loan of 200 thousand yuan soon arrived. "With the money coming in, the business will be bigger again." The executive meeting of the State Council held not long ago proposed to encourage the development of supply chain financial procts such as orders, warehouse receipts and accounts receivable financing, so as to promote the annual accounts receivable financing of small, medium and micro enterprises to reach 800 billion yuan
what is supply chain finance? What does order, warehouse receipt and accounts receivable financing refer to
"supply chain finance refers to the cooperation between banks and core enterprises in the instrial chain to provide financing support for their upstream and downstream enterprises." Dong ximiao, chief researcher of Xinwang bank, said that when core enterprises in the instrial chain trade with upstream and downstream SMEs, they often delay the payment cycle or require upstream and downstream enterprises to make advances. For example, when some upstream enterprises do projects, they need to pay for the initial construction costs themselves, and only after the project is delivered can they get the payment from the core enterprise, so they need to prepare certain funds to maintain their daily expenses. Due to light assets and lack of guarantee, these enterprises are generally difficult to obtain loans from banks, and their cash flow is relatively tight
nowadays, it is precisely because of its close relationship with core enterprises that enterprises on the "chain" have more opportunities to obtain bank loans. Zeng Gang, deputy director of the national finance and Development Laboratory of the Chinese Academy of Social Sciences, said that the bank takes the supply chain of core enterprises as the breakthrough point, obtains the real transaction data and other information of upstream and downstream enterprises through cooperation with core enterprises, and more fully and accurately judges the business status and risks of enterprises, so as to better carry out financial services. In addition, the accounts receivable issued by core enterprises can provide a stable source of repayment for upstream and downstream enterprises, and can also increase the financing credit of upstream and downstream enterprises through credit circulation
"accounts receivable financing is to provide loans for enterprises with accounts receivable as the source of repayment; Order financing refers to enterprises applying for loans based on core enterprise orders and repaying the loans after receiving the loans; Warehouse receipt financing refers to the pledge financing by the applicant with goods stored on the basis of the inventory documents issued by the warehousing party. " Zeng Gang said that these methods have effectively expanded the financing channels of upstream and downstream small and medium-sized enterprises, and improved the financing availability and capital turnover efficiency of enterprises
how many enterprises can 800 billion yuan of accounts receivable financing benefit
"the loan demand of a small, medium and micro enterprise is often small, and some may only need several hundred thousand yuan. 800 billion yuan of accounts receivable financing can benefit a considerable number of small, medium and micro enterprises. " Zeng Gang said< According to the relevant person in charge of the CIRC, by the end of the first quarter of this year, the banking instry had provided daily capital turnover support to 218000 core enterprises in the instrial chain, with a balance of 21.4 trillion yuan; It provided financing support to 297000 upstream enterprises in the instrial chain, with a balance of 5.8 trillion yuan; It provided financing support to 353000 enterprises in the downstream of the instrial chain, with a balance of 9.3 trillion yuan
with the help of financial technology, supply chain finance can improve service efficiency and break through the "blocking point" of instrial chain funds
why is supply chain finance concerned ring the period of epidemic prevention and control? What are the highlights of innovation
-- let the upstream and downstream enterprises "not lag behind" and ensure the stability of the instrial chain supply chain
"the upstream and downstream of modern instrial chain, proction, supply and marketing, large and medium-sized enterprises are closely linked, and the enterprises in the supply chain are highly interdependent." The relevant person in charge of China Construction Bank said that e to the impact of the epidemic, some upstream and downstream enterprises' proction and sales are blocked, and the "breakpoint" of the capital chain of these enterprises may become the "blocking point" of the instrial chain's collaborative resumption of work and proction. Supply chain finance is to solve the capital problem along the instrial chain
"if the upstream parts enterprises have no money to start, the proction of the core enterprises may be" short of nails and less riveting "; Downstream dealers have no money to purchase, core enterprise proct sales are not smooth, income is reced, the whole instry chain will also be affected. " Zeng Gang said that accurate identification of service objects along the supply chain of core enterprises, providing financing support for upstream and downstream enterprises, and ensuring the "continuous chain" of capital in all links of the instrial chain are the right remedy. "Suppliers' ability to receive orders and sellers' ability to sell can promote core enterprises to expand proction, and the whole instrial chain can be stable and smooth, To achieve collaborative resumption of work and proction. "
"in addition, some trading enterprises have a large backlog of goods and tight cash flow. And warehouse receipt financing and other methods can help enterprises to obtain loans by using inventory and relieve liquidity pressure Said Dou Yanhong, President of global financial
- financial technology enables accurate "drip irrigation" of funds to small, medium and micro enterprises
an important issue of supply chain finance is how to identify the authenticity of upstream and downstream business transactions and ensure the security of loan funds
"with the help of big data, blockchain, Internet of things and other technologies, supply chain finance can more accurately identify the real financial needs of enterprises and intelligently monitor financial risks." Dou Yanhong said, for example, big data technology can quickly and accurately identify business risks of enterprises, and Internet of things technology can realize real-time monitoring of goods warehousing, transportation and other links. Through technology empowerment, financial institutions can provide more accurate and convenient financing services for enterprises while strictly preventing financial risks
the application of blockchain technology improves the efficiency of supply chain financial services. According to the relevant person in charge of ant financial services, the company relies on the blockchain technology to develop the supply chain financial proct "double link". Through the blockchain distributed storage, point-to-point transmission, encryption algorithm and other ways, the information of receivables, order data and transaction status of enterprises on the blockchain will be more open and transparent. The ability of risk control has been improved, and financial institutions can lend to enterprises at more favorable interest rates
- "one to many" changes to "one to one", core enterprises obtain loans and shorten the payment period
in the prevention and control of the epidemic, some small and medium-sized enterprises have more urgent financing needs. In this regard, supply chain finance has also been innovated. Under the guidance of the regulatory authorities, the bank has changed the original way of risk assessment and single household lending to the enterprises on the "chain", directly granted loans to the core enterprises in the supply chain, followed up the demand for the resumption of work and proction in the upstream and downstream of the instrial chain, promoted the core enterprises to shorten the accounting period, paid in time, and alleviated the financial pressure of the upstream and downstream enterprises
"by changing from" one to many "to" one to one ", banks save the time for risk assessment of upstream and downstream enterprises in the past and have higher lending efficiency. In addition, core enterprises are often credit customers of banks, and they can get loans with lower interest rates faster, which is concive to their timely payment to upstream and downstream enterprises. " Zeng Gang said that through this way of "big river with water and small river full", the efficiency of supply chain financial services will be further improved, and the accounts receivable of upstream and downstream enterprises can be recovered more quickly, which is concive to "accelerating" the resumption of work and proction< Experts believe that to better develop supply chain finance, it is necessary not only for relevant departments to further strengthen policy support and guidance, but also for banks, core enterprises and other parties to participate more actively, so as to strengthen innovation and cooperation on the premise of effective risk prevention and control
first of all, further improve the evaluation and incentive mechanism, enhance the guarantee ability, and create a good environment for the development of supply chain finance
Dong ximiao believes that we should further improve the evaluation and incentive mechanism of supply chain financing business, give appropriate preference to credit scale, economic capital evaluation and internal capital transfer price of supply chain financing business, and support banks to make differentiated arrangements for credit related to instrial chain collaborative resumption
"government financing guarantee and other financial support for accounts receivable of small, medium and micro enterprises should be strengthened to further enhance the guarantee ability, smooth the cooperation between banks and bears, improve the risk sharing compensation mechanism, and more effectively disperse risks." Zeng Gang said that in addition, relevant laws, regulations and regulatory measures should be improved, punishment for fraud of transaction information should be strengthened, and the willingness and strength of banks to serve small, medium and micro enterprises by means of accounts receivable financing should be strengthened
secondly, the business process should be simplified appropriately, and the regional and departmental collaboration should be strengthened to provide more efficient services for enterprises
recently, the relevant person in charge of the CIRC asked to further optimize the processing process of supply chain financing business. Under the premise that the core enterprise undertakes the payment responsibility or provides credit enhancement measures such as guarantee, repurchase and balance supplement, when the upstream and downstream enterprises handle the supply chain financing business, the bank can appropriately simplify the customer rating access and other processes, incorporate them into the unified credit management of the core enterprise, and use the credit line of the core enterprise
"enterprises in the same supply chain are often distributed across regions, so we should further strengthen the cooperation among different regions and departments, actively establish and improve the coordination mechanism of supply chain financial services in different places, promote cross regional and cross bank cooperation, and better help enterprises enjoy the" good "brought by the development of supply chain finance." The person in charge of the Zhejiang regulatory bureau of the CIRC said
finally, strengthen the monitoring of the flow of credit funds, increase the verification channels of supply chain transaction information, and effectively improve the level of risk control
the relevant person in charge of the CIRC said that banks should clarify the access standards for core enterprises, carefully review the financing needs and loan purposes of core enterprises, strengthen the effective supervision of the flow of credit funds, and ensure accurate delivery. In addition, we should strengthen the management of collateral, effectively control the financing risk of inventory pledge, and monitor the return of accounts receivable by means of special account management, agreement dection or entrusted payment
Zeng Gang said that banks should actively research and develop the supply chain financial business system, and strengthen the integration and sharing of data with instry and commerce, taxation, water and electricity, communications, so as to better reflect the proction and operation and credit status of enterprises, and increase the verification channels of supply chain transaction information
instry insiders believe that core enterprises should strengthen internal management and strictly prevent relevant personnel from providing false transaction information when participating in supply chain finance business. Banks should also strengthen the innovation of financial technology, better grasp the risk changes of core enterprises and monitor the risks of upstream and downstream enterprises through technical means.
The hot topic of "open bank" has always been high. In March, a number of banks released their 2018 annual reports. More or less, we can see "open platform" and "open API" in their financial reports. No matter what the name is, it is related to "open bank"
China Merchants Bank said in its annual report that it will build an open business ecosystem and service system around "cloud + API + blockchain" and "data + AI"; CCB said it will use the open bank management platform to accelerate the integration of financial services and various instry scenarios. In addition to the traditional banking instry, Internet banks such as Weizhong bank and Xinwang bank are also building digital banks through the "open bank" model
the idea of opening up banks is very fashionable. In practice, European and American countries are relatively early and advanced
open API is the premise, sharing financial data is the key
with the rapid development of Internet, in order to improve financial market innovation and customer experience, EU and UK have formulated a series of regulatory frameworks and regulations to promote the rapid implementation of open banks
in 2014, the British government concted a detailed survey on the development of the retail banking market. The survey results show that the top four banks in the UK have 80% of the current accounts in the UK, while the probability of changing the current accounts of these bank users is only 3%. The big banks are satisfied with the customers' attitude. In their opinion, no matter what the financial procts and services they provide, Customers are not easily lost. In the long run, the innovation ability of financial procts and services of big banks will graally weaken, and it is difficult for new banks and small banks to develop
Then, the British government decided to implement the open banking strategy in the banking instry. Through the open API, banks should provide user information to authorized third-party operators, promote the innovation of financial procts and services, and stimulate the vitality of the financial market. In order to promote the implementation of the concept of open banking, in March 2016, the working group led by the UK Ministry of Finance officially released the standard framework for open banking