Vcbank blockchain Finance
Although the current blockchain technology is still in the initial stage, the advantages of this technology have begun to be reflected. In many fields, blockchain can proce great value, and I believe there will be more landing application scenarios in the future,
blockchain + cross border payment
at present, the mainstream way of cross-border remittance is wire transfer, and its cycle is generally as long as three to five working days. In addition to certain handling charges, intermediary banks will charge certain handling charges, Swift (Global Interbank Financial Telecommunication Association) will also charge a higher fee for the message exchange of its system. In China, a single fee of 150 yuan will be charged for cross-border remittance through the Bank of China
and the use of blockchain technology allows the remitter and the payee to pay and settle directly, eliminating all intermediate costs, so that cross-border payment and settlement can be completed point-to-point quickly. While improving the speed of settlement, it can also achieve all-weather payment, real-time arrival, simple embodiment and no hidden cost
the financial instry has the characteristics of index, monopoly, high risk, benefit dependence and high debt management. Indexability means that the financial index data reflects the overall and indivial situation of the national economy from all angles, and the financial instry is the barometer of the development of the national economy. On the one hand, monopoly means that the financial instry is strictly controlled by the government, and no unit or indivial is allowed to set up financial institutions without the approval of the central bank; On the other hand, it refers to the relative monopoly of specific financial business. Credit business is mainly concentrated in the four major commercial banks, securities business is mainly concentrated in Cathay Pacific, Huaxia, Nanfang and other national securities companies, and insurance business is mainly concentrated in PICC, pingbao and Taibao. High risk refers to the financial instry is the distribution center of huge funds, involving all sectors of the national economy. Units and indivials, any business decision-making mistakes may lead to "domino effect". Efficiency dependence means that financial efficiency depends on the overall efficiency of the national economy and is greatly influenced by policies. Compared with the general instrial and commercial enterprises, the high debt operation has a low ratio of its own funds
the financial instry plays a leading role in the national economy, which is related to economic development and social stability, and plays a role in optimizing the allocation of funds and regulating, reflecting and supervising the economy. The unique status and inherent characteristics of the financial instry make governments attach great importance to the development of their own financial instry. There is a process of understanding and development in China. In the past, the development of China's financial instry was slow and irregular. After more than ten years of reform, the financial instry is growing at an unprecedented speed and scale. With the steady growth of economy and the deepening of economic and financial system reform, the financial instry has a bright future.
because the time span is more than 10 years, many friends who were browsing this issue at that time will feel very touched when they look back
there are many systems and links in the bank, including PBC, UnionPay, credit card, international remittance, securities tripartite deposit, credit card and insurance. But no more than their own systems, specific application systems and network systems. Its own system is mainly the core accounting system, connected to each network system, there is UnionPay PBC inter-bank transfer; Each application system includes fund, credit card and insurance. The scope of various application systems is expanding, such as financial proct system, various innovative procts such as personal loan procts, as well as precious metal gold, foreign exchange trading system, interbank lending system, mobile banking, online banking self-service equipment and other electronic channel business. Internal office, OA, asset management, communication software, etc. So all the languages you can hear about are used in the bank:
C, Java, JavaScript, needless to say, flex, COBOL, Smalltalk, VB, R, python, PHP, swift, as long as the top 20 languages are used in the bank system. All kinds of advanced financial technologies are also widely used in banks, such as blockchain, artificial intelligence, speech recognition, Devops, big data cloud computing, docker container, etc
why? Because since the beginning of the millennium bug, all kinds of foreign information technology will find a place in the bank. Emerge in an endless stream of banks, and Alipay will be another way.