Block chain finance of Ping An Bank

1. IBM, Microsoft, Oracle, Accenture, Tencent, Alibaba, Jingdong, network, etc. have all done it. Many large banks, including Ping An Bank, have also launched their own blockchain solution platforms or solutions. However, it should be added that large companies do not mean strong technical strength, because blockchain is still in the hot stage of concept in the world. Unicorn blockchain companies are likely to emerge in the future, such as EOS in foreign countries and honeycomb chain of Fanrong technology in China. The efficiency of TPS and packing into blocks may be much higher than that of large companies.

2.

As of May 2020, blockchain and digital currency are illegal in China

according to the announcement of the people's Bank of China Central Network Information Office, Ministry of instry and information technology, State Administration for Instry and commerce, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission on preventing the risks of token issuance and financing, Article 2 no organization or indivial shall illegally engage in token issuance and financing activities. Organizations and indivials that have completed the token issuance and financing should make arrangements such as refund, reasonably protect the rights and interests of investors, and properly handle risks. Relevant departments will seriously investigate and deal with the activities of token issuance and financing that refuse to stop and the illegal behaviors in completed token issuance and financing projects

Article 3 strengthen the management of token financing trading platform

from the date of this announcement, any so-called token financing trading platform shall not engage in the exchange business between legal currency and token and "virtual currency", and shall not buy or sell token or "virtual currency" as a central counter party, and shall not provide pricing for token or "virtual currency" Information intermediary and other services

extension data

"illegal financial institutions and illegal financial business activities ban" stipulates that:

eleventh, the criminal suspect, funds and property involved in illegal financial institutions and illegal financial activities, and the public security organs shall take compulsory measures according to law to prevent suspect from escaping and transferring funds and property. p>

Article 12 the people's Bank of China shall, after investigation and confirmation, make a decision to ban the illegal financial institutions and financial business activities, declare them illegal, order them to stop all business activities, and make an announcement

Article 13 if the people's Bank of China discovers that a financial institution opens an account, handles settlement and provides loans for an illegal financial institution or illegal financial business activities, it shall order the financial institution to stop the relevant business activities immediately. No unit or indivial may use the relevant funds without authorization

3. Yingchi Hall of fame is the top non-public graphics card. Although the time of silent frequency is similar to 1060, the ability of overclocking is much stronger than 1060. The official power consumption is 165W, while 1060 is 120W. After overclocking, the power consumption will be higher. Pay attention to whether the power supply is enough. The price of 900 yuan can be bought, but please note that if you play a stand-alone game, it may explode in some games. As for mining, so to speak, there is no ore card in the 9 series, and the N card mining was started on a large scale in the 10 series. It may have been before, but it's too few. Before the 10 series, they used to dig with a-card.

4. The effect should not be big, the bandwidth of your cell is limited, there are too many Internet users, and the flow of each user is evenly shared in the cell switch

5. Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen (Shenzhen Stock Exchange: 00000 1). Its predecessor, Shenzhen Development Bank, is the first publicly listed national joint-stock bank in mainland China. Ping An of China and its controlling subsidiaries together hold 58% of the shares of the bank and are the controlling shareholders of the bank. By the end of 2018, there were 34626 employees, providing a variety of financial services to customers through 80 branches and 1057 business institutions across the country

development strategy

with the goal of building "China's most outstanding and world's leading intelligent retail bank", Ping An Bank continues to deepen the 12 character strategic guideline of "technology leading, retail breakthrough and public excellence". In terms of technology leading, we should adhere to technology leading, mode leading, platform leading and talent leading, comprehensively reshape the bank body with science and technology, and create a "moat" of financial technology; In terms of retail breakthrough, we should make use of scientific and technological wisdom to comprehensively promote the transformation of intelligent retail banks and strive to realize the transformation of retail business from excellent to excellent; In the aspect of corporate banking, we will select instries, customers, procts and risks, and strive to build a high-quality corporate bank with distinctive characteristics, leading efficiency and excellent quality<

performance overview

steady development of the bank's overall operation

steady development of the bank's overall operation, in-depth promotion of retail transformation, intensive focus on public business, and continuous improvement of asset quality. In 2018, the bank achieved an operating revenue of 116.716 billion yuan, a year-on-year increase of 10.3%; The net profit was 24.818 billion yuan, a year-on-year increase of 7.0%. At the end of 2018, the bank's total assets amounted to RMB 3418.592 billion, an increase of 5.2% over the end of last year; The balance of deposits received was 2128.557 billion yuan, an increase of 6.4% over the end of last year; The total amount of loans and advances (including discount) was 1997.529 billion yuan, an increase of 17.2% over the end of last year<

the retail transformation continued to deepen, and the "3 + 2" system of retail business was constructed

the bank promoted the development of retail business with the help of the whole bank, and built an AI driven "3 + 2" business system, namely "basic retail, consumer finance, private wealth" three business moles, and "cost control, risk control" two core competencies. At present, retail business has become the main driving force of our revenue growth, and the proportion of retail revenue and loans exceeds 50% of the whole bank

at the end of 2018, the bank managed retail customer assets (AUM) of 1416.796 billion yuan, an increase of 30.4% over the end of last year; The number of retail customers was 83.9 million, an increase of 20.0% over the end of last year; The balance of personal deposits was 461.591 billion yuan, an increase of 35.4% over the end of last year; The balance of personal loans was 1154.013 billion yuan, an increase of 35.9% over the end of last year, accounting for 57.8%, an increase of 8.0 percentage points over the end of last year

the bank is deeply integrated into the "five ecological circles" of group financial services, medical and health care, automobile services, real estate services and smart city, and provides scene and non probation services for customers and users through smart master account. Online, upgrade the pocket banking app embedded with various technologies and services, with 62.25 million registered customers by the end of 2018; Offline, on the basis of the official opening of Guangzhou Liuhua sub branch, the first new intelligent retail store in 2017, launched the " Liuhua" project and successfully upgraded the standard business model of 136 sub branches<

the corporate bank, which continuously optimizes the corporate business structure and cultivates intensively, focuses on the construction of high-quality business, high-quality channels and high-quality projects, and strives to expand and strengthen the ecological parties with the ecological management concept. With the help of science and technology, we can manage and drive business innovation, and form an intelligent banking system for boutique companies

by the end of 2018, pocket finance has registered and opened 280000 customers, and the annual transaction amount has exceeded 830 billion yuan; In 2018, the total business volume of the supply chain accounts receivable service platform (SAS) exceeded 10 billion yuan, providing financial service support for 111 core enterprises and their upstream SMEs; At the end of 2018, there were 14103 small business digital Finance (KYB) customers, and the accumulated loans in 2018 were 10.7 billion yuan

at the same time, the bank has actively built high-quality investment banking and interbank business. In 2018, the cumulative issuance scale of interbank bond underwriting business was 161.9 billion yuan, up 54.0% year on year; By the end of 2018, the total number of cooperative customers of "xingetong" platform reached 2079, 150 more than that at the end of last year

with the help of science and technology to drive the change of mode, the bank leads the market in financial technology

regarding science and technology as the first proctivity of strategic transformation, has constructed the "3 + 2" science and technology platform pattern, created "three portals" of pocket bank, pocket finance and bank E-com, and "two hearts" of smart finance and smart risk control

in 2018, the bank continued to increase investment in science and technology, with it capital expenditure of 2.575 billion yuan, up 82% year on year; By the end of 2018, the technology manpower of the bank was expanded to nearly 6000, an increase of more than 44% over the end of last year

in the past decade, Ping An Group has invested more than 50 billion yuan in scientific research, founded more than 10 new technology companies, 25 scientific and technological research and development laboratories and 6 scientific and technological innovation research institutes, and applied for more than 12000 scientific and technological patents. Relying on the group's core technologies and resources in artificial intelligence, blockchain, cloud computing and other fields, the Bank launched advanced and rich financial technology, enabling procts, services and management in an all-round way

corporate culture construction

innovative culture is the inherent gene of the bank, strong executive power is the prominent feature of the bank's corporate culture, and effective performance management is an important grasp of the bank's executive power. We adhere to the people-oriented, committed to the harmonious unity of bank development and all-round growth of employees

in terms of social responsibility, we will make features of targeted poverty alleviation, create a closed loop of "Finance + technology + proction and marketing", help poor areas develop their instries, and achieve "real poverty alleviation and real poverty alleviation" by "teaching people to fish". In less than one year, the bank has exported nearly 4.5 billion yuan of poverty alleviation funds, directly helped more than 1917 poor people with filing and cards, and benefited more than 330000 poor people with filing and cards

the bank further promoted green finance, focused on supporting the development of green instries related to new energy and clean energy, and effectively enhanced credit support for green real economy. By the end of 2018, the total amount of green credit of the bank had reached 62.693 billion yuan

Corporate honor

in recent years, the bank's business development and operating characteristics have been highly praised by authoritative institutions, and won the "best Listed Bank of the year" in the "2018 gold medal list of China's financial institutions · Golden Dragon Award" sponsored by financial times; In the second China financial technology pioneer list of the securities times, he was listed in the "2018 China AI financial pioneer list". In addition, with its outstanding achievements in the retail field in the past year, it won three awards of "Asia Pacific, Middle East and Africa's best progressive retail bank", "China's best progressive retail bank" and "auto financial proct of the year" from Asian Banker magazine. In 2018, the bank also won many awards such as "outstanding joint-stock commercial bank brand", "outstanding mobile banking app" and "most characteristic credit card"

in the future, Ping An Bank will actively respond to the national strategy, conform to the international and domestic economic and financial situation, and comprehensively enhance its ability to serve the real economy. We will take AI as the internal driving force, systematize and standardize the ability of the best banker through science and technology to become the first AI banker in the instry, and empower AI banker to our customers, employees and partners, so as to make Ping An Bank an AI bank.

6.

Not a

Shanghai one connect Financial Technology Co., Ltd. (referred to as one connect), registered in December 2015, is a financial technology service company of Ping An Group and one of the four "unicorn" enterprises incubated by Ping An

ranked 13th in the 2017 China Unicorn enterprise development report. Shanghai one account financial technology Co., Ltd. is a wholly-owned subsidiary of Shenzhen one account Intelligent Technology Co., Ltd. Formerly known as Shenzhen Ping An Financial Technology Consulting Co., Ltd

based on artificial intelligence, blockchain, cloud platform, biometrics and other core technologies, financial one account has established intelligent banking cloud, intelligent insurance cloud, intelligent investment cloud and open platform to provide technology driven business solutions for financial institutions

Ping'an yizhangtong is a comprehensive financial management platform. Through one account, you can manage all Ping An accounts and online accounts of more than 50 other institutions with only one account, so as to realize various financial needs such as insurance, banking, investment, etc

extended information:

financial one account is a global leader in artificial intelligence, biometrics, blockchain and other fields. By the end of March 2019, financial one account has applied for more than 2200 patents at home and abroad, of which 98% are invention patents

the company has a strong R & D team from famous universities and top companies in the world, and has set up research institutions and branches in China, the United States, Singapore and other places, and its scientific and technological strength has been unanimously recognized by authoritative institutions at home and abroad

by the end of 2018, it has won more than 70 awards in professional fields, media and institutions at home and abroad, and successively won international professional awards such as IDC global blockchain award, Bai global insurance certification award, OMG micro expression competition world first, etc

and obtained cmmi4 international certification, IDC ranked 73rd among the top 100 financial technology companies in the world in 2018, and KPMG ranked 11th among the top 100 financial technology companies in the world in 2018

7.

Belong to Jingdong gold bar Liu qiangdong's procts and national bank cooperation

Hebei happiness Consumer Finance Co., Ltd. is the first consumer finance company in Hebei Province approved by the former China Banking Regulatory Commission. The company officially opened on June 14, 2017. After more than two years of development, the company's consumer finance ecosystem has been initially established, and its development resilience has been significantly improved; The construction of proct system has taken shape, and the ability to obtain customers has been graally improved; With the development of risk control system, the ability of asset management has been continuously enhanced. In the process of innovation and exploration, it has initially formed the differentiated core competence of technology driven, smart finance and Inclusive Finance, which has been recognized by all sectors of the society

The first is driven by science and technology. Efforts should be made to improve the awareness of scientific and technological development, give full play to the driving force of scientific and technological innovation, actively find business needs with scientific and technological means, solve business problems, continuously optimize the proction system, improve operation capacity, improve proction efficiency, precipitate scientific and technological assets, try scientific and technological output, create an open consumer finance platform 3.0, and enter the forefront of the instry in terms of comprehensive scientific and technological strength

The second is smart finance. In the field of new technology application, we continue to explore and try to build a private cloud platform by using cloud computing technology to achieve the goal of high flexibility of system architecture; Based on the big data platform, it precipitates data assets to lay the foundation for risk modeling, real-time analysis and data-driven development; Artificial intelligence technology is used to check and compare faces to effectively prevent the risk of fraud; Taking part in the national application competition by using blockchain technology, the application exploration of blockchain technology in the financial field has been recognized by the authority

8.

Ping An insurance of China is a private enterprise

Ping An insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An of China", "company", "group") was born in Shekou, Shenzhen in 1988, which is the first joint-stock insurance company in China

so far, it has developed into a personal comprehensive financial service group with the most complete financial license, the most extensive business scope and the closest holding relationship in China, integrating three main businesses of insurance, banking and investment, and developing traditional finance and non-traditional finance in parallel

extended materials:

in line with the mission and vision of "serving the country, the society and the public", Ping'an takes various measures to support the development of the real economy and assist the construction of the country in many fields

take care of one belt, one road, the integration of Beijing, Tianjin and Hebei, supply side structural reform, economic restructuring and other important strategic measures to optimize the allocation of financial resources, underwrite major projects and invest in the real economy. p>

so far, Ping An has provided more than 100 billion yuan to help private enterprises; It has undertaken more than 17700 infrastructure projects in Dawan District of Guangdong and Hong Kong; We have promoted the implementation of the 10 billion smart poverty alleviation project

Ping An Group held 1.6 trillion yuan of government bonds and 250 billion yuan of corporate bonds, and jointly initiated the establishment of a 150 billion yuan Guangdong Ping An development fund with the Guangdong provincial government

build a smart city and provide technical support. In line with the concept of "serving the country, the society and the public", Ping'an has built a "1 + n" smart city platform system by using the internationally leading technologies such as artificial intelligence, blockchain and cloud computing, which have been accumulated for many years

and 100 cities, including Beijing, Shanghai, Shenzhen, Guangzhou, Chongqing, Nanning, Tianjin and Xiamen. p>

help the construction of the bay area and build a three-dimensional security network. Ping An uses blockchain technology to build a financial trade supply chain integration platform, links hundreds of banks, tens of thousands of trade institutions and supply chain enterprises, supports Guangdong, Hong Kong and Macao Bay area to realize the interconnection of people flow, logistics flow, capital flow and information flow, and helps the construction of the leading demonstration zone of socialism with Chinese characteristics in Shenzhen

in the field of trade financing, Ping An finance one account has built the world's first blockchain trade platform "trade linkage" led by the Hong Kong Monetary Authority, a regulatory authority, to build a financial hub in the Asia Pacific region and even the world