Financial loan blockchain

1. It should be. After all, China is so big. Other domestic blockchain + financial applications need to be official and large-scale. Now Bank of Changsha has a cooperation with a public platform of SMIC blockchain, which seems to be a blockchain loan for small enterprises.

2. What is the domain of blockchain? Blockchain applications? The reason why we all say that blockchain is a subversive technology is that it is indeed the first time in the whole process of computer development that decentralized trust can be established from the technical level. Features: consensus, security and openness. First of all, blockchain is a multi-party consensus mechanism, and the consensus algorithm is the basis of building the whole technology trust. It does not rely on the trust of people and institutions, but a relatively democratic mechanism. Under the constraint of this mechanism, the authenticity, validity and persistence of data are guaranteed, so as to establish the trust foundation of this alliance business of multi-party Union and multi-party mutual supervision

secondly, blockchain is a relatively safe system. bitcoin is such a familiar blockchain application, and it is also the most successful blockchain application so far. So far, bitcoin has been running stably for 6-7 years. This system almost breaks everyone's idea of building a traditional financial system. First of all, it has no security facilities. Anyone who takes a machine into the network can join the network and work. In the whole bitcoin network, more than 80% of the machines are bare metal, They have neither good security protection nor any firewall measures; Secondly, because of the design of bitcoin, some of its data can track the history, prevent tampering and be irreversible

finally, it is an obvious feature of blockchain. It is a very open system. At present, there are many open source underlying implementations for your reference or use, and it is very scalable. It has been committed to establishing a multi center instry alliance or business alliance

Introction to Bubi blockchain

since its establishment, Bubi blockchain has been focusing on the R & D and innovation of blockchain technology and procts, has a number of core technologies, and has made substantial innovation in many aspects, forming a number of core technology achievements, such as: mathematically verifiable distributed consensus technology, fast large-scale ledger access technology, and so on Multi Chain general ledger technology supporting business form expansion, interconnection technology between heterogeneous blockchains, etc. On April 25, "gege integral" introced the integral system into the concept of blockchain, opened up by multiple parties, issued and exchanged integral, and promoted the circulation of integral. All cooperative institutions can jointly participate in transaction verification, account book storage and real-time settlement; The third-party payment platform of the enterprise points issuer makes the points in and out more flexible. Bubi has developed its own basic blockchain service platform, which has been applied in equity, supply chain, credit and other fields. Bubi has been committed to building an open value circulation network with the core of decentralized (polycentric) trust, so that digital assets can flow freely

there are two extremes in the development trend of blockchain. Some people advocate private chain, while others advocate public chain. In fact, more than 90% of the mainstream applications in Europe and the United States are instry chain or alliance chain, that is, the upstream and downstream of an instry, or the semi open blockchain built by core enterprises, such as R3, LINQ of NASDAQ supported by chain, and some instry applications made by Dah to Australian stock exchange or Morgan

in fact, in the process of development and use of blockchain, it is around the following three important links: consensus, balance of book efficiency and scalability. Some geeks, such as bitcoin or Ethereum, are completely public. There are also some private chains used for efficiency transformation or connection between subsidiaries within enterprises. Most of them are upstream and downstream of instry alliances. They gather together for heating or jointly expand the business scale, which is the mainstream instry chain at present

blockchain naturally has two kinds of attributes: voucher and transaction. The attribute of voucher makes it the entrance of asset securitization and asset number, and the attribute of transaction enhances the free circulation of assets. Therefore, blockchain may become the infrastructure to build a free circulation network of value in the future

the field of blockchain? Blockchain applications? Referring to the development history of the Internet, the value free circulation network constructed by the blockchain is also an independent partial value circulation network (instry chain, alliance chain) formed by various instries according to their own needs in the early stage. In the later stage, driven by the demand for cross instry asset exchange, the instry chain is connected in series by some ways of interconnection, The formation of a de facto free circulation network of common value (public chain).

3.

Blockchain technology has the advantages of being difficult to tamper with and easy to trace. It can play a role in identity information management, trust mechanism construction, and credit information chain of small and micro enterprises

here is an example of a bank in Nanping:

e to the outbreak of online business, the original offline signing method has been unable to meet the needs of the rapid change of the banking business, and the bank's digital construction is imminent, but the bank's risk control department has strict compliance requirements:

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online business data sensitive privacy, Is the transmission secure

does the electronic signature have legal effect

can electronic evidence be accepted by the court

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these concerns have become obstacles for banks to introce e-contracts and carry out business digital transformation

after adopting the unique ENA initiative forensics patent technology of the "real hammer" trusted electronic evidence platform, a bank in Nanping, through the clean server of the notary office, online carries out real-time preservation, storage and certification of the electronic data of the target system, records the whole process of the electronic data from generation, transmission to storage, and finally the notary office issues the forensics preservation report with official seal, The effectiveness of the documents is notarial documents, which can be directly accepted by the court. Because the report is issued by the notary office, it has more credibility than the self certification of the third-party E-contract platform, which solves the concerns of the risk control department of the bank at one stroke. The whole process is online and automated, and the front-end customer operation has no perception

at the same time, combined with the back-end case system of "real hammer" and the outsourcing execution service, the bank realized the rapid dispute resolution of Internet business. It not only ensures the compliance and effectiveness of the electronic contract signing process, but also solves the problem that the bank cases are scattered all over the country and the cost of legal business trip is high; The litigation cycle is long and there is no efficient disposal channel

4.

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

5. 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.

6.

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

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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

7. 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.

8. Recently, "blockchain" has become a hot word. In recent years, bitcoin and other digital currencies have been chased by capital, and blockchain, as its underlying technology, has graally come into the public view“ What changes will blockchain + finance bring to finance

in fact, the combination of blockchain technology and finance is not accidental. In short, blockchain is a distributed shared ledger and database, which is decentralized, tamper proof, traceable, etc. Finance is cooperation based on trust. These characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving the financial problems of high credit risk, low capital utilization efficiency and high payment processing cost
in reality, bitcoin is not equal to blockchain, and digital currency is only one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance and financial transactions, "blockchain +" has rich application scenarios and imagination
let's start with supply chain finance. The core enterprises in the supply chain can transfer their credit to the micro enterprises through the blockchain, which can solve the financing problem of the micro enterprises to a certain extent. For example, Zheshang Bank has developed a receivables chain platform based on blockchain technology, which transforms the enterprise's receivables into electronic payment settlement and financing tools. ICBC e-letter network financing financial service platform launched by ICBC has registered more than 500 supply chain enterprises such as China Railway and China Merchants Group, and has issued more than 3 billion yuan of loans
in terms of trade finance, by recording the core documents and key processes of trade financing business, both sides of the trade can obtain real information, and with the help of intelligent contract, the application of blockchain technology can effectively promote the formation of market trust and rece the financing cost of enterprises. Data show that since the first phase of the trade finance blockchain platform project of the people's Bank of China was put into operation more than one year ago, more than 30000 businesses have been connected to the chain, more than 5000 businesses have occurred, and the business volume is about 75 billion yuan
instry insiders pointed out that although the application prospect of blockchain technology is broad, there are not many projects that are truly implemented and proce social benefits, and blockchain technology is in the early stage of development, which still needs to be treated rationally
the application fields of blockchain include digital currency, token, finance, anti-counterfeiting traceability, privacy protection, supply chain, entertainment, etc. with the popularity of blockchain and bitcoin, many related top domain names have been registered, which has a great impact on the domain name instry.

9. What is blockchain
blockchain is a new decentralized protocol, which can safely store bitcoin transactions or other data through the carrier of distributed ledger (or database), ensure that the information can not be forged or tampered through the global network, and can automatically execute intelligent contracts without the audit of any centralized organization. Transactions can be digital currencies such as bitcoin, or digital assets such as equity and intellectual property rights. It greatly reces the trust and accounting cost of economic operation

blockchain has two core concepts: transaction / transaction and block

what is transaction / transaction
blockchain is a global shared and transactional database. Everyone in this network can read the records. If you want to modify something in this database, you must create a transaction and get confirmation from everyone else. A transaction means that you have to make a change that is either fully executed or not executed at all. When your transaction is applied to this database, other transactions cannot modify the database

for example, imagine a table that lists the balance of all bitcoin accounts. When a transfer request from account a to account B occurs, the transaction feature of this database ensures that the amount dected from account a will be added to account B. If for some reason, it is impossible to increase the amount to account B, then the amount of account a will not change

in addition, a transaction is cryptographically signed by the sender (the creator of the transaction). This measure increases access protection for database modification. In the above bitcoin example, it can be ensured that only the person holding the account a key can transfer money from the account

what is a block
one of the main problems to be solved by blockchain is called "double flower attack" in bitcoin. What happens when there are two transactions on the Internet and the balance has to be transferred from one account? A conflict

the simple answer is that you don't need to care about this. These transactions are sorted and packaged into "chunks" and then executed and distributed by all participating nodes. If two transactions conflict with each other, the lower ranked transaction will be rejected and removed from the block

these blocks are arranged in a linear sequence according to time. This is the origin of the word "blockchain". Blocks are added to the chain at regular intervals. For bitcoin, the interval is about 10 minutes. For Ethereum, the interval is about 17 seconds. Ethereum has made improvements compared with the special currency. It is believed that it can achieve near real-time transfer in the future, which can be applied to the business field with high real-time requirements

as part of the "sequential selection mechanism" (commonly referred to as "mining"), a block chain may be rolled back from time to time. But this only happens at the end of the chain. The more blocks involved in rollback, the lower the probability of its occurrence. So your transaction may be rolled back or even removed from the blockchain. But the longer you wait, the less likely that will happen<

future prospects
after understanding some basic principles of blockchain, you may have found its value. The traditional Internet has completed the transmission of information globalization, but it can not transfer trust and value. The characteristics of blockchain can transfer trust and value. It is believed that blockchain will lead the evolution of information internet to value Internet. In the next 10 years, human society will enter a more open and transparent world

Introction to Bubi blockchain

Bubi blockchain is a commercial blockchain. Bubi covers seven areas: exchange, points (multiple points, gege points), insurance (sunshine insurance will launch accident insurance on our blockchain in a month, which can greatly rece channel costs), equity crowdfunding (gold stock chain, etc.), supply chain finance (Qian Xiang, etc.), supply chain (cooperation with the material chain, etc.), jewelry anti-counterfeiting, etc. Some funds cooperating with Bubby have committed 150 million investment funds. Bubby plays the role of "LP" in the fund, helping the fund identify and invest in companies related to blockchain. At present, the average amount of angel investment obtained through Bubi blockchain is about 3 million, with an average valuation of more than 40 million

Finance is essentially a money relationship between people

but if it is a direct money relationship between people, it is only a relationship of borrowing and transferring, which does not constitute a real sense of finance

the emergence of third-party institutions makes the money relationship between people become a financial relationship

why can the third party institutions realize the function of finance

this is because the third-party financial institutions have solved the following three problems:

trust
settlement
rules

these three problems are exactly the problems that blockchain can naturally solve

the so-called blockchain is to jointly maintain the public ledger on multiple nodes

the data of large ledger will be packaged once in each specified time period, and the packaged data is called block. Connecting the packed blocks in a specific way in chronological order is called blockchain

blockchain data is broadcast to all nodes on the Internet, forming data information that can not be tampered with but can be verified

thanks to the blockchain technology, as a bitcoin user, he can completely trust Zhang San to transfer a bitcoin to Li Si's address after querying through the block. This event is true. Li Si has 100 bitcoins in his wallet, which can be confirmed by signature

based on reliable payment and real property, the problem of trust has a foundation to solve

and a higher degree of trust can be achieved through multi signature

what is multi signature? It is very simple, that is, a payment has more than one related person. When the number of related persons reaches the set confirmation, the payment will take effect

through the above parts, the trust problem can be well solved

blockchain Internet is the two areas of interaction. Today's Internet seems to transmit information perfectly, which is not limited by time and region, and is cheap, simple and fast. However, things are always moving forward. When we solve the problem of Internet massive data processing through database, cloud storage and other technologies, what follows is how to solve the authenticity and effectiveness of data on a large scale. Blockchain technology emerged with the trend. It is the first time to establish decentralized trust technology from the technical level, which is of subversive significance.