Banking Association blockchain

1.

As a traditional financial institution, banks are the most active Pathfinder in the field of blockchain. In recent years, many banks at home and abroad have applied blockchain technology to credit, clearing and other fields. The unique trust mechanism of blockchain is regarded by banks as a key technological breakthrough in innovating risk management and simplifying transaction process. However, as an emerging technology, blockchain ecology is still in the process of establishment, and its application is very limited. Many problems still need to be solved graally in the development

"at present, blockchain can't run high-frequency and concurrent transactions, and network speed and computing power can't support it. For example, in the field of payment, if it is online shopping, it can be realized; If it's high-frequency futures trading, it can't be done. " Huang Zhen said

JIANG Peng said that at the beginning of designing the blockchain system, China CITIC Bank carefully demonstrated the business links suitable for the use of blockchain

"from the global experience, it is not suitable to use blockchain to build a large and complex system. Instead of trying to solve all problems with blockchain, we should focus on solving the core problems. It's time-consuming to build a too complex system. The technology is developing so fast that before the old system is finished, it will face the iteration of new technology. " Jiang Peng said

the idea of "only solving core problems" ensures that after the blockchain goes online, the relevant business operations of branches of China CITIC Bank can be upgraded without process transformation

Fan Bin said frankly that it will take time for banks to fully apply the blockchain, and IBM's investment in the blockchain open source community will continue, on the one hand to cultivate the market, on the other hand to compete for the commanding height of the blockchain platform. With the rapid iteration of blockchain technology itself, there is still a lot of imagination for financial institutions to use this new technology

the content comes from Xinhuanet

2. Blockchain is a technology that can completely change the underlying design of the financial system, because it can realize the undifferentiated record between the ownership of all assets in the market and the transaction records of all market participants, so it can completely eliminate the intermediate links of clearing and trusteeship, which are used to confirm the ownership before, ring and after the transaction; In addition, as an electronic information record, blockchain can be combined with computer algorithm to realize the automation of transactions, that is, intelligent contract. There are many derivative applications of blockchain combined with other financial technologies, each of which can replace a kind of market intermediary. Blockchain is to financial services what TCP / IP is to the Internet: once the underlying standards are recognized and popularized, specific applications like bitcoin and R3 will appear in every corner of financial services. Bitcoin uses blockchain technology to query and record. For example, if I register an account in haobtc and transfer the money, I need to query the status in the block browser in the account or the block browser in BTC. In this way, the blockchain technology helps me solve the problem of daily transfer currency query.

3. Chongqing jinwowo analysis: blockchain also comes with the technology of transaction confirmation. To realize the automatic confirmation of movable property rights for all participants in the supply chain, and form a common non tamperable record on the block chain, so as to solve the pain points in the existing right registration and right realization.

4. From the published R & D results, there have been some significant progress in the core basic technology fields of blockchain, such as "consensus algorithm", "encryption algorithm", "smart contract situational test". The feature of complete "decentralization" of blockchain is not applicable in the financial field, and distributed and polycentric is expected to become a realistic choice. Blockchain, known as a disruptive technology, will become the key infrastructure of Internet Finance and even the whole financial instry. At present, capital and institutions at home and abroad are speeding up the layout of blockchain technology. Experts said that the rapid development of blockchain technology is becoming a hot spot for investment. This year, the financing amount of blockchain venture projects has exceeded 1.4 billion US dollars
in recent years, the investment field has been paying more attention to blockchain. Since the beginning of bitcoin, blockchain technology has been explored in many application fields. Nasdaq, New York Stock Exchange, Citibank and other overseas financial institutions are also trying to carry out business innovation of blockchain finance, and the development of blockchain technology is also a major focus in China., For reference only!

5. 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.

6. The central bank has not launched a digital currency, which can not keep up with the PPP model. This is obviously a false publicity and a pyramid scheme. This project is similar to the previous MMM mutual financial community
it is suggested that this project can also go to the police. If you don't understand digital currency, you'd better not play it. If you are interested in digital currency, you can pay attention to bitcoin, Ruitai, Laite and other mainstream digital currencies.

7. It has been sent out, please check.

8. I have never heard of this organization, let alone its members
R3 company, founded in New York in the second half of last year by fintech r3cev, is one of the leading technology companies adopting blockchain technology, focusing on the research of financial technology solutions based on blockchain. At present, a group composed of more than 40 international banking institutions has been established to build a customized Ethereum based cross-border blockchain solution. The members of R3 alliance include Citibank, Bank of America, Goldman Sachs Group, JPMorgan Chase, UBS group, Morgan Stanley and other financial institutions. It is the largest blockchain alliance so far. R3 alliance plans to explore other areas, including: distributed ledger interoperability, privacy, authentication, scalability, including cooperation with Microsoft to use its azure blockchain as a service to implement blockchain technology among banking partners
of course, in addition to R3, there are many other blockchain organizations or enterprises at home and abroad. In Beijing, Shanghai and other first tier cities. Blockchain projects are even more numerous, especially content sharing platform decent based on blockchain technology and bitcoin related projects.

9.

In recent years, financial fraud, accountant audit failure and other risk events occur from time to time in the capital market, which brings legal risk and reputation risk to commercial banks, and has attracted the attention of the leaders of the State Council

on December 18, the "bank letter blockchain service platform" was officially released, which was launched by China Banking Association and China Institute of certified public accountants to actively implement the document requirements of the notice on further standardizing the work of bank letter and reply letter, study and promote the digital construction of letter, and improve the standardization level of letter business

"we hope that the future bank letter blockchain service platform can play a role in preventing and resolving risks, promote the improvement of letter quality and efficiency, strive to build a demonstration digital platform with high security, strong public welfare, convenience and efficiency, and make e contributions to improving the construction of social credit system and strengthening financial services for the real economy." Liu Fushou, chief lawyer of CIRC, said at the press conference

Pan Guangwei, full-time vice president of China Banking Association, said that in the future, China Banking Association will work with relevant institutions to promote the transformation and upgrading of letter business towards the direction of intensive operation and management, electronic path, standardized business process and refined data governance, improve the quality of accounting information and audit, promote the construction of social credit system and help the high-quality development of banking instry

three core advantages

bank letter and reply are the process in which the certified public accountant, after obtaining the authorization of the audited unit, directly sends the confirmation letter to the banking financial institutions, inquires about the authenticity of the audited unit's bank deposit, bank loan, guarantee, financial management and other information, and the bank inquires, checks the relevant information and provides the reply

According to pan Guangwei, letter confirmation is one of the core proceres of independent audit, which is crucial to identify errors and frauds in financial statements. For the whole financial market, letter work is related to the quality and efficiency of audit work, the quality of accounting information and the authenticity of capital market data, which is very important to prevent financial risks

"the bank letter blockchain service platform adheres to the construction concept of authority, fairness and public welfare, follows the principles of marketization, openness and graalness, and graally promotes the transformation and development of bank letter to the direction of intensification, electronization, standardization and refinement, with three core advantages." Pan Guangwei said

one is platform target location. The platform has changed the offline decentralized letter reply mode to online centralized processing, which can complete the whole process of bank letter application, authorization, sending and reply online, speed up the letter processing efficiency, effectively solve various disadvantages of traditional paper letter mode, rece the degree of manual intervention of accounting firms, banks, audited units and other related parties, and enhance risk control, Rece the risk of data error and fraud

Second, in terms of platform security. The platform only retains the information of the letter transmission process, not the letter data information, and pays attention to the information isolation and confidentiality, so as to ensure the data security of banks and offices. The platform has a financial level security protection environment, which can realize 7 * 24-hour system safe operation

The third is the platform technical support. The platform chooses "ICBC Xi chain" as the underlying blockchain technology. ICBC Xi chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain of MIIT, and has many mature application projects

100 banks have applied for access

at the press conference, pan Guangwei also said that after confirming that the bank letter platform takes blockchain as the underlying technology, the working group has carried out on-site communication with a number of technology companies with blockchain technology and scene application one by one. After experts' evaluation, the blockchain technology is selected to be independent and controllable, safe and reliable, and the business connection and scene application are improved ICBC technology, which has more advantages in later operation and maintenance, is the project contractor

it is understood that as the underlying blockchain technology, "ICBC Xi chain" participated in the trusted blockchain evaluation of China Academy of information technology in 2019 and 2020, and passed five technical evaluations of function, baas, performance, security and password with 100% passing rate. It is the first blockchain proct in the financial instry to be certified by an official authoritative evaluation institution

"with the strong support of instrial and Commercial Bank of China and instrial and Commercial Bank of China technology, the system development work was officially completed on October 26, and joint debugging and testing work was being carried out with a number of banks and accounting firms. At present, 100 banks and dozens of accounting firms have clearly signed up to apply for access to the platform. We will actively connect with banks and accounting firms to be connected to the platform, and provide solutions and training according to the needs of all parties. " Pan Guangwei said

Zhang Wenwu, vice president of ICBC, said at the press conference that ICBC has always paid attention to the quality of bank letter work, and ICBC technology company has further innovated and improved on the basis of ICBC's original letter e-letter, spared no effort in platform construction, and realized the platform's proction and online on schele“ The signing of the cooperation agreement will be taken as an opportunity for the first batch of banks to actively cooperate with the construction of the platform, promote the interconnection between e-letter and the platform, and fully support the use of the platform through the practice of centralized letter and certificate at the bank end. "

At the press conference, Liu Fushou also said that it is necessary to promote the construction of the letter certification platform in a safe and orderly manner, adhere to the principle of safety, prudence and risk control, adhere to the principle of pilot first and steady progress, and adhere to dynamic adjustment and continuous improvement

10. Blockchain is an important concept of bitcoin. In essence, it is a decentralized database and the underlying technology of bitcoin. Blockchain is a series of data blocks generated by cryptography. Each data block contains the information of a bitcoin network transaction, which is used to verify the validity of the information (anti-counterfeiting) and generate the next block
in a narrow sense, blockchain is a kind of chain data structure that combines data blocks in chronological order in a sequential way, and it can not be tampered with and forged by cryptography. In a broad sense, blockchain technology is a new distributed infrastructure and computing paradigm, which uses blockchain data structure to verify and store data, uses distributed node consensus algorithm to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses intelligent contract composed of automated script code to program and operate data
the underlying technologies of bitcoin, Ethereum and decent are blockchain.