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Using blockchain to realize enterprise financing
Publish: 2021-05-14 11:37:42
1. 1. Weizhong bank uses blockchain technology for loan clearing
in September 2016, Weizhong bank and Shanghai Huarui bank put into trial operation the inter-bank joint loan clearing platform based on alliance blockchain technology to optimize the settlement and clearing of "micro loan" joint loans of the two banks. With the introction of the blockchain system, all the information is recorded on the blockchain network, which can not be tampered with. The transaction process is cleared at the same time, realizing real-time clearing, saving a lot of manpower and material resources
2. China UnionPay uses blockchain technology to realize inter-bank points exchange
in September 2016, China UnionPay and IBM tried out a shared points system based on blockchain technology. Using this blockchain system allows users to exchange bonus points across banks and platforms. In other words, the bonus points of one bank can be exchanged for bonus points of other banks, or even multiple airline mileage and supermarket awards. It greatly improves the use efficiency of bank points
3. Toyota uses blockchain technology to track auto parts
in October 2016, Toyota joined R3 alliance to store the proction, processing and use of each part in the blockchain through blockchain technology, so that when there is a problem with auto parts, the source of the parts can be easily and quickly found
4. Central bank's blockchain digital bill trading platform
in January 2017, the central bank's blockchain based digital bill trading platform was successfully tested. The introction of digital currency for settlement can realize the synchronous transfer of capital flow and information flow of digital bill transaction, so as to realize DVP bill settlement. At the same time, the blockchain digital identity solution solves the problem of repeated KYC authentication between different financial institutions. It not only solves the problem that the transaction amount of digital bills is confidential to the unrelated parties, but also ensures that the regulatory parties such as the exchange have the mechanism of seeing through when necessary
5. Ant financial services blockchain application
in August 2017, ant financial services blockchain technology tested water insurance and helped Xinmei mutual insurance company to launch the first love rescue account in the domestic insurance instry. Blockchain technology makes every capital flow open and transparent, the data of every capital flow can not be tampered with, and the whereabouts and uses of every capital can be traced. In November of the same year, ant chain was used in food safety traceability and traceability of genuine procts. At present, the milk powder proced in Australia and New Zealand and Moutai in China, users can only know if they are genuine procts by scanning Alipay.
there are many other successful cases at home and abroad, all of which indicate that the application of blockchain technology is graally promoted, and is favored by various instries. Accompanied by the emergence of many blockchain technology companies, they want to take a share in this field. However, after the people's Bank of China and other seven ministries and commissions issued the "notice on preventing the financing risk of token issuance"), with the increasing difficulty of registration, there are more empty shell companies in the intermediary instry chain, and few companies have practical applications
in addition, the security technology of blockchain has always been concerned and controversial. Nowadays, blockchain mainly faces five security problems: the security of underlying code, cryptographic algorithm, consensus mechanism, smart contract and digital wallet.
in September 2016, Weizhong bank and Shanghai Huarui bank put into trial operation the inter-bank joint loan clearing platform based on alliance blockchain technology to optimize the settlement and clearing of "micro loan" joint loans of the two banks. With the introction of the blockchain system, all the information is recorded on the blockchain network, which can not be tampered with. The transaction process is cleared at the same time, realizing real-time clearing, saving a lot of manpower and material resources
2. China UnionPay uses blockchain technology to realize inter-bank points exchange
in September 2016, China UnionPay and IBM tried out a shared points system based on blockchain technology. Using this blockchain system allows users to exchange bonus points across banks and platforms. In other words, the bonus points of one bank can be exchanged for bonus points of other banks, or even multiple airline mileage and supermarket awards. It greatly improves the use efficiency of bank points
3. Toyota uses blockchain technology to track auto parts
in October 2016, Toyota joined R3 alliance to store the proction, processing and use of each part in the blockchain through blockchain technology, so that when there is a problem with auto parts, the source of the parts can be easily and quickly found
4. Central bank's blockchain digital bill trading platform
in January 2017, the central bank's blockchain based digital bill trading platform was successfully tested. The introction of digital currency for settlement can realize the synchronous transfer of capital flow and information flow of digital bill transaction, so as to realize DVP bill settlement. At the same time, the blockchain digital identity solution solves the problem of repeated KYC authentication between different financial institutions. It not only solves the problem that the transaction amount of digital bills is confidential to the unrelated parties, but also ensures that the regulatory parties such as the exchange have the mechanism of seeing through when necessary
5. Ant financial services blockchain application
in August 2017, ant financial services blockchain technology tested water insurance and helped Xinmei mutual insurance company to launch the first love rescue account in the domestic insurance instry. Blockchain technology makes every capital flow open and transparent, the data of every capital flow can not be tampered with, and the whereabouts and uses of every capital can be traced. In November of the same year, ant chain was used in food safety traceability and traceability of genuine procts. At present, the milk powder proced in Australia and New Zealand and Moutai in China, users can only know if they are genuine procts by scanning Alipay.
there are many other successful cases at home and abroad, all of which indicate that the application of blockchain technology is graally promoted, and is favored by various instries. Accompanied by the emergence of many blockchain technology companies, they want to take a share in this field. However, after the people's Bank of China and other seven ministries and commissions issued the "notice on preventing the financing risk of token issuance"), with the increasing difficulty of registration, there are more empty shell companies in the intermediary instry chain, and few companies have practical applications
in addition, the security technology of blockchain has always been concerned and controversial. Nowadays, blockchain mainly faces five security problems: the security of underlying code, cryptographic algorithm, consensus mechanism, smart contract and digital wallet.
2. Because the digital currency, which is the first generation of blockchain technology, has a huge impact on the financial field, the research and application of blockchain technology has become an important task in today's financial field. In essence, blockchain technology still belongs to a kind of technical means and tools. Its application in the financial field and the real economy is parallel. It has its own relative independence, but it also has a certain degree of intersection. That is to say, its role in promoting the real economy is indirect. 1. No matter in finance or entity, one of the bases of transaction between supply and demand is trust. The current bank to enterprise, enterprise to enterprise and enterprise to person are all linked by money. With the further popularization and wide application of blockchain technology, enterprises and enterprises, or indivials can issue digital currency (Digital credit) by themselves in the future, and the status of banks will change from monopoly operation to equal competition operation in the market. Therefore, the wide application of blockchain technology in the financial field has an indirect impact on the real economy. 2. Blockchain technology is the bridge between reality (entity) and virtual world. Through blockchain technology, the real world can be reconstructed, reconstructed and redefined in the virtual world. For example, the digital currency of real paper money in the virtual world, the digital stock transaction of real stock transaction in the virtual world, the digital settlement, digital customs clearance, digital documents and bills of real import and export trade in the virtual world can greatly improve the efficiency of business process and save the transaction cost. At present, all transactions are inseparable from the bank. The bank plays a central role in the transaction. The application of blockchain technology by the bank will certainly improve the efficiency of its settlement and indirectly promote the efficiency of the real economy, but this impact will graally weaken in the future. Because the biggest feature of blockchain technology is decentralization, its distributed accounting system is a network system without center. 3. In fact, the application of blockchain technology is to value and credit the information flowing on the Internet. Through the blockchain, the information with (use value, exchange value, cultural value) in the Internet is reorganized and newly constructed to form a value Internet. It is of great significance. It will bring revolutionary promotion to both the financial instry and the real economy.
3. Blockchain has a high degree of technical security and broad technology prospects. It is still in continuous development, improving enterprise efficiency and recing operating costs, and will graally be promoted and applied in other fields and instries
Renren chain is an enterprise level platform service based on mainstream blockchain technology, which can help you quickly build a more secure and stable blockchain environment, rece challenges in blockchain deployment, operation and maintenance, and development, and enable you to focus more on core business innovation, so as to realize fast business on the chain
in the current enterprise management mode, no matter customer relationship management, project management, procurement management, human resource management, there are data security and reliability problems to some extent. For example, sometimes transaction data under the market mechanism is untrue / fake / deleted and changed, and some problems such as making ill considered decisions e to data resource blocking occur, In the long run, it will cause harmful business impact on enterprises. Moreover, some enterprise systems are lack of real-time tracking in the process of the project, which is prone to data disorder and lag, resulting in the inability to timely monitor the project and track the responsibility, low management efficiency and so on, which can be avoided in the early selection of enterprises!
Renren chain is an enterprise level platform service based on mainstream blockchain technology, which can help you quickly build a more secure and stable blockchain environment, rece challenges in blockchain deployment, operation and maintenance, and development, and enable you to focus more on core business innovation, so as to realize fast business on the chain
in the current enterprise management mode, no matter customer relationship management, project management, procurement management, human resource management, there are data security and reliability problems to some extent. For example, sometimes transaction data under the market mechanism is untrue / fake / deleted and changed, and some problems such as making ill considered decisions e to data resource blocking occur, In the long run, it will cause harmful business impact on enterprises. Moreover, some enterprise systems are lack of real-time tracking in the process of the project, which is prone to data disorder and lag, resulting in the inability to timely monitor the project and track the responsibility, low management efficiency and so on, which can be avoided in the early selection of enterprises!
4. Blockchain is a development trend, and many enterprises will use it
5.
In the traditional supply chain finance, financing difficulty, high financing cost and cumbersome financing process have always been one of the bottlenecks restricting small and medium-sized enterprises to become bigger and stronger. Banks rely on the ability of core enterprises to control goods and regulate sales. For the sake of risk control, banks are only willing to provide factoring services to upstream suppliers (limited to first tier suppliers) with direct accounts payable obligations of core enterprises, or provide prepayment or inventory financing to their downstream distributors (first tier suppliers). As a result, the demand of secondary and tertiary suppliers / distributors with huge financing demand can not be met, the business volume of supply chain finance is limited, and the small and medium-sized enterprises can not get timely financing, which will easily lead to proct quality problems and damage the whole supply chain system
to solve these problems, we can make use of the characteristics of decentralized, tamper proof and distributed ledger of blockchain technology to build a blockchain supply chain financial platform
The core enterprise issues a / R certificate to the distributor. After the distributor signs the receipt, it indicates that it has signed the purchase and sales contract and the core enterprise delivers the goods Because of the shortage of funds, distributors need to borrow money from finance3. After the financial institutions have approved, the amount of loans will be sent to the core enterprises
The distributor will repay the loan and interest after selling the goods6. For example, if I have a project that needs to be implemented by a team, I can write the details of the project into the smart contract. When the project can be accepted, the payment can be made directly through the blockchain. There is no need for intermediate signing, auditing, paying and finance, which saves time and human resources, There is no problem of arrears (focus on introction learning blockchain)
7. 1) It depends on how much money you have, not to mention the competition in small county towns. What do you know? If you just watch others do well and start blindly, you will end up in failure
2) the miner is very good. As long as you are not afraid of hardship, you can earn more than 2000 yuan a month. The paper mill is around 1500, but the work is brisk and there are too many frames. The salary of the refrigeration plant is about 2000 yuan, but sometimes they often work overtime. The salary of modern plastics is also very high, especially for those who look at machines and can reach 4000 yuan, which is just too tired. Shengtai is about 1500 yuan. It's not very tired to work. These are relatively large enterprises. Please refer to them yourself.
2) the miner is very good. As long as you are not afraid of hardship, you can earn more than 2000 yuan a month. The paper mill is around 1500, but the work is brisk and there are too many frames. The salary of the refrigeration plant is about 2000 yuan, but sometimes they often work overtime. The salary of modern plastics is also very high, especially for those who look at machines and can reach 4000 yuan, which is just too tired. Shengtai is about 1500 yuan. It's not very tired to work. These are relatively large enterprises. Please refer to them yourself.
8. ? In short,? Is it accompanied? Combined with their own offline energy? Strength, strength? What can technology do? The regional chain technology is used to build the? A complete one? Credit system,? Can we solve this problem effectively? Small and medium sized contracts? What are the characteristics of logistics enterprises? Financing difficulty? What is harmony? It's expensive.
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