Weizhong bank blockchain
Three questions blockchain (economic hot spot)
recently, news about bitcoin is very eye-catching, and blockchain is on fire. In the capital market, the rise and fall of various blockchain concept stocks is like a roller coaster. It can be seen from the sensitive capital market that the blockchain is on the way and is highly concerned by all parties
"blockchain technology is essentially a kind of database technology, specifically a kind of ledger technology. The account book records the asset changes and transactions of one or more accounts. In fact, it is a kind of database with the simplest structure. The daily accounts we usually record in the small account book and the statements sent by the bank are typical account books. " Wang Jun, chief researcher of Tencent Financial technology think tank, said that security is a major feature of blockchain technology, which is mainly reflected in two aspects: one is the distributed storage architecture. The more nodes there are, the higher the security of data storage is; The other is the ingenious design of tamper proof and decentralization, which makes it difficult for anyone to modify data without following the rules
take the online shopping transaction as an example, the traditional mode is that the buyer purchases the goods, and then sends the money to the intermediary platform of the third-party payment institution. After the seller delivers the goods and the buyer confirms the receipt, the buyer informs the payment institution to send the money to the seller's account. The transaction mode supported by blockchain technology is different. Buyers and sellers can trade directly without any intermediary platform. After the transaction between the buyer and the seller, the system publishes the transaction information in the form of broadcast, and all hosts receiving the information record the transaction after confirming that the information is correct, which means that all hosts have done data backup for the transaction. Even if a machine has problems in the future, it will not affect the data recording, because there are countless machines as backup
when it comes to blockchain, many people associate it with bitcoin, and many even equate blockchain with bitcoin. He Fei said that bitcoin is a way of presenting blockchain, but blockchain is not the same as bitcoin. Blockchain is the underlying technology and infrastructure of bitcoin, and bitcoin is a successful application of blockchain, but it does not mean that blockchain can only be applied to bitcoin
What is the use ofblockchain
can solve the pain points and difficulties in many fields such as finance, public welfare, supervision, anti-counterfeiting, but there are many applicable conditions
financial service is the first application field of blockchain technology. The application of blockchain technology can solve the pain points in payment, asset management, securities and other fields
taking the payment field as an example, the cost of reconciliation, clearing and settlement among financial institutions, especially cross-border financial institutions, is high, involving many manual processes, which not only leads to high costs for users and financial institutions' back-end business, but also makes it difficult to develop micro payment business. The application of blockchain technology helps to rece the cost of reconciliation and dispute resolution between financial institutions, and significantly improve the processing efficiency of payment business. In addition, the cost and efficiency advantages brought by blockchain technology in the field of payment enable financial institutions to better handle the small cross-border payment which was considered unrealistic e to high cost in the past, and contribute to the realization of Inclusive Finance
for example, in order to solve the problem of high reconciliation cost among financial institutions, in August 2016, Weizhong bank and Shanghai Huarui Bank launched the inter agency reconciliation platform of micro loan, which is also the first application scenario of banking alliance chain running in the proction environment in China. Zhang Kaixiang, chief architect of Weizhong bank's blockchain, believes that the high cost problem that the traditional "batch file reconciliation" model has failed to solve for a long time is exactly where blockchain technology can be used. Subsequently, Bank of Luoyang and Bank of Changsha have also been connected to the inter agency reconciliation platform. Through the blockchain technology, the inter agency reconciliation process in the micro loan business has been optimized, achieving the goals of quasi real-time reconciliation, improving operation efficiency and recing operation cost. Up to now, the platform has been running stably for more than one year, with zero failure, and the number of real transactions recorded has reached tens of millions
in the field of public welfare, blockchain technology is also promising. The first application scenario of ant financial services involving blockchain is public welfare, which helps a group of hearing-impaired children get a donation, and then uses blockchain technology to promote public welfare to be more open and transparent. Hu Danqing, senior proct expert of ant financial services technology laboratory, said: "the blockchain public welfare platform is like a post office dedicated to mailing funds on the Internet. Every sum of money donated by users will be packaged into a package, which will be delivered through the blockchain platform. Every node we pass through will be stamped with a postmark and finally delivered to the recipient. This can ensure that every sum of money donated by users is transparent, traceable and difficult to tamper with. "
blockchain technology can be used to crack down on counterfeit goods. Hu Danqing introced that ant financial services has applied blockchain technology to the traceability of authentic procts. At present, some seafood procts from Australia and New Zealand, such as milk powder, are swept away with Alipay, so they can know if they are genuine procts. Different from previous businesses' self input of commodity information, blockchain allows multiple "bookkeepers" to complete bookkeeping fairly, independently and non repudiately. "
for financial supervision, blockchain technology can also play a role. According to the white paper of FISCO bcos, the underlying platform of financial blockchain, issued by the financial blockchain cooperation alliance (Shenzhen) in 2017, blockchain provides consistent and easy to audit data for financial regulators. Through the data analysis of inter agency blockchain, it can supervise financial business faster and more accurately than the traditional audit process. For example, in the anti money laundering scenario, the balance and transaction records of each account are traceable, and any link of any transaction will not be separated from the regulatory line of sight, which will greatly improve the anti money laundering efforts
some people in the instry believe that blockchain 1.0 is mainly aimed at digital currency; Blockchain 2.0 aims at smart contracts and can be applied in financial markets; Blockchain 3.0 will apply to more scenarios, and even create a "blockchain era"
He Fei believes that blockchain can indeed solve the pain points and difficulties in many fields, but blockchain is not omnipotent and has many applicable conditions
for example, the decentralization of blockchain technology is suitable for multi-party participation scenarios, and if it is only unilateral or bilateral participation, the value is not great. Due to the need for each node to check, blockchain technology is not suitable for those high-frequency trading activities
for another example, blockchain emphasizes openness and transparency, which is not suitable for scenarios with high data privacy requirements
will blockchain become a new outlet
technology is not yet mature enough. We must be alert to the concept of speculation. In particular, we should distinguish between technological innovation or fund-raising innovation. We can not block the chain chain concept of
block chain so that we will not become a "Internet plus". p>
in recent years, the development ecology of blockchain has been graally improved and enriched. Instry insiders believe that with national policy support, extensive attention and financial support, blockchain technology can achieve graal and stable progress. Although the prospect of blockchain technology is broad, we should also keep an ordinary mind
"despite the current blockchain craze, we still believe that it is still in a very early stage." Hu Danqing said that at present, there is a virtual heat in the concept of blockchain. Instead of using technology to solve practical problems, it is hot to raise money and speculate on valuation. In particular, most of the so-called ICO (initial token issuance) that are hot are innovation of fund-raising tools, which has nothing to do with technological innovation
blockchain technology can indeed create great value, but some risks can not be ignored
"blockchain technology is not very mature, and its application scenarios are relatively limited, so we should be more alert to the concept of capital market speculation." He Fei said that behind the blockchain boom, there will inevitably be some companies that want to speculate. They do not really carry out business, but just try to make a profit in the capital market. They should be careful to prevent the emergence of "bad money drives out good money", which will lead to the withdrawal of institutions that really want to carry out business from the market and affect the application of blockchain technology
Hu Danqing suggested that for the current blockchain craze, regulatory authorities should be more active in intervening, distinguish between technological innovation and fund-raising innovation, encourage government organizations, credible experts and instry participants to help the public identify, comprehensively curb fund-raising innovation in the name of blockchain, and let the actual controller of ICO bear responsibility for fund-raising behavior“ The basis for judging whether it is technological innovation or fund-raising innovation is actually very clear, that is, whether it starts with trust and whether it creates practical value by solving the trust problem. "
in order to better promote and use blockchain technology in the future, we need to continue to improve the infrastructure and strengthen the formulation of relevant laws and policies
Wang Jun believes that there is still room for optimization and improvement of core technologies of blockchain such as consensus algorithm; On the other hand, the processing efficiency of blockchain is difficult to meet the requirements of some high-frequency application environments in reality. At present, the mainstream blockchain technology platforms are originated in foreign countries. Domestic blockchain technology service providers should patiently start from the bottom development, achieve independent and controllable technology, and strive to lead the development of global blockchain technology. Enterprises with blockchain application scenarios should actively embrace new things and scientifically evaluate the demand for blockchain, instead of blockchain for the sake of blockchainHe Fei believes that the government can issue relevant policies to guide the enterprises who are interested in the R & D and application of blockchain technology, and at the same time, clarify some suitable application scenarios of blockchain and areas encouraged by the state
the white paper 2016 on the development of China's blockchain technology and application suggests that government departments at all levels should learn from the advanced practices of developed countries and regions and, in combination with the development of China's blockchain technology and application, timely issue support policies for blockchain technology and instrial development, focusing on supporting key technology tackling, major demonstration projects, the construction of "innovation and entrepreneurship" platform, and the development of China's blockchain technology and application System solution development and public service platform construction. At the same time, it is suggested that domestic key enterprises, scientific research institutions, universities and user units should strengthen cooperation to speed up the research of core key technologies such as consensus mechanism, programmable contract, distributed storage and digital signature
can bring money to the enterprise will become the outlet
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.
now the rapid growth of computer technology, every company needs computer talents, you can go to learn computer professional,
there is still a lot of development space in this field, as long as you study hard, the future prospects are unlimited.
Formal, it is reported that the people's network and micro public bank also have cooperation
on July 12, 2019, the people's network held the "people's right" and "people's cloud chain" proct press conference in Beijing, and jointly launched the "people's right" platform with microbank
it is understood that renmin.com and Weizhong bank will carry out long-term cooperation in the right protection of online original content to realize the online and automation of the whole process of digital right confirmation, monitoring, infringement forensics and litigation
the "people's right" platform launched this time is led and operated by people's network, and will unite more than 100 party and government media to resist unauthorized reprinting of news works and protect the right of news media; At the same time, we should improve the bargaining power of the news media on the reprint of their works, strive to achieve the normal monitoring and rights protection, market-oriented transactions, and promote the healthy development of the news right market
extended materials:
Li Nanqing, party secretary and President of Weizhong bank, pointed out that Weizhong bank has always attached great importance to communication and cooperation with mainstream media, hoping to build "alliance chain" through cooperation, solve the right protection of online content well, and continue to play its rich experience in the underlying technology and instry application of blockchain, We should innovate the means of right protection to better maintain the order of network right and the healthy development of ecology
MA Zhitao, vice president and chief information officer of Weizhong bank, said: "this cooperation with renmin.com, we hope to jointly promote the formation of an efficient and low-cost right protection mechanism, and build a" blockchain + right "distributed business ecosystem that encourages originality and protects originality."
it is reported that the people's right trading center, which launched the second phase online, introces the right trading link online, and media organizations can set the authorized transaction amount of original articles online; With the introction of the whitelist setting function, the media can set the whitelist units in the organization on line, improve the efficiency of right authorization, and quickly realize a variety of right authorization methods
is relatively safe on December 12, 2014, China Banking Regulatory Commission (CBRC) said that Shenzhen Qianhai Weizhong bank, a private bank owned by Tencent, a domestic Internet giant, has been officially approved to open, making it the first Internet Bank in China on October 21, 2019, Hurun Research Institute released the "2019 Hurun global Unicorn list", and micro focus bank ranked 11th on December 4, 2019, the number of patent applications for blockchain invention of Weizhong bank reached 217, ranking the fifth in the world
Wechat payment can't be made after the amount of change exceeds 100000 yuan. You need to remove the account protection before you can use it
wechat payment is a payment function integrated in wechat client, users can complete the fast payment process through mobile phone. Wechat payment is based on fast payment with bank card, providing users with safe, fast and efficient payment services. Since November 23, 2017, wechat payment service function has been running on the 12306 website of China Railway Customer Service Center
on April 1, 2018, when consumers use wechat wallet to scan the static barcode for payment, the upper limit of single day zero wallet payment is no more than 500 yuan, and all bank cards associated with wechat can also independently obtain the upper limit of 500 yuan. In March 2018, license plate = payment code, wechat directly launched "high speed E-line". On June 29, 2018, wechat payment and Michelin Guide announced strategic cooperation in Guangzhou
on December 11, 2018, the "intelligent tax laboratory" jointly built by Shenzhen Taxation Bureau of the State Administration of Taxation and Tencent successfully connected the blockchain invoice system with wechat payment platform, and launched the function of issuing blockchain invoice through wechat payment for small and medium-sized micro enterprises with wechat payment and invoice use needs, Blockchain e-invoice began to enter the daily life of ordinary people
in terms of recruitment positions, micro focus bank is worthy of being led by Tencent. Three of the four major recruitment positions are technical, business, data and intelligent. It can be said that for our science and engineering partners, micro focus bank is a good opportunity for you to enter the financial instry. Of course, many students focus on micro focus bank for the reason that Tencent takes the lead, This is a very correct thing. Tencent, as an internet tycoon, will give some support to finance after all. What's more, it has a broad prospect to cooperate with other enterprises
in terms of the registration process, the test preparation span of Weizhong bank is more than one and a half months, leaving plenty of time for students. Secondly, the registration process of micro focus bank is divided into two positions: campus lecture and technology special session, which are involved at home and abroad. From September 12 to October 15, the domestic lectures were held in four domestic universities, including South China University of technology, Huazhong University of science and technology, Peking University, Fudan University, and Stanford University; The University of California, Berkeley and the Chinese University of Hong Kong in early November. From this we can see that the recruitment scope of micro focus bank is wide and the strength is great
from the perspective of the application conditions, the basic requirements of the positions involved in this examination are bachelor degree or above. However, because most of the technical positions are technical, the relevant technical ability required to be mastered is very high. For example, blockchain technology requires mastering linux c + + / Java background development experience, familiar with script programming development, network programming, data structure and algorithm, and familiar with TCP / IP, http, FTP and other network protocols. These for non professional people, just like the book of heaven in general
finally, I'd like to talk about the test preparation of micro bank. Even if it's a campus recruitment of bank with partial science and engineering reform, there will be a written test, comprehensive knowledge and English, which is self-evident. For these three directions of test preparation, Xiaobian has also introced them in the previous articles. Students in need can read the previous articles, Here, I'd like to give you some suggestions on comprehensive knowledge. For example, if you want to compete for blockchain, you must also understand the front-end and back-end development, so that you can learn by analogy and become the excellent talents needed by the bank.