Weizhong bank cross border exchange blockchain
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.
- original title: market analysis of China's blockchain instry in 2019: enabling various instries to accelerate the application landing, there will be two opportunities for future applications
2019 - blockchain "mainstream application year"
since August 2018, the electronic invoice of blockchain was issued for the first time in Shenzhen. So far, it has issued more than 6 million electronic invoices, with an amount of 4 billion yuan, and has access to more than 5300 enterprises, Covering more than 110 detailed instries. In addition to the field of electronic invoice, blockchain has also been successfully implemented in many project scenarios, such as supply chain finance, legal deposit, cross-border payment, etc.
at the recent "thousands of people watching fire" conference of blockchain instry, the reporter of economic daily learned that in 2019, the technology implementation and application has brought blockchain into the "mainstream application year". On the one hand, many Internet giants have a solid technical foundation, on the other hand, they actively explore more valuable scenarios to find development opportunities in the enabling real economy
"blockchain technology can play the role of anchoring, sharing and increasing trust in the whole social information flow, making the chaotic information credible. Compared with the past, this is a" qualitative leap. " Zhang Kaixiang, chief architect of Weizhong bank's blockchain, said, "risk control and business rules design based on trusted data can improve efficiency, rece risks and rece operating costs." He pointed out that as a connector, it is not meaningful for a single enterprise to operate the blockchain, and it is more meaningful to share it as an open source solution to realize the ecological co construction of the instry
"we have been exploring and practicing open source, starting from the underlying technology platform and combining with the scenes of finance, instry, Internet of things, culture and entertainment, to jointly build an open, transparent and efficient technology and instrial community. Open source ecology helps to activate the creativity of the instry. We will continue to start from the open source community and improve a complete set of systems such as system construction and skills training, so as to benefit more people. "
in 2019, the market scale of China's blockchain instry will exceed 100 million yuan
China's blockchain instry is still in its infancy, but with the continuous support of national policies, the continuous progress of instry technology and the increasing demand of downstream application fields, China's blockchain instry is expected to continue to maintain high-speed growth. According to the statistical data of in depth analysis report on business model innovation and investment opportunities of China's blockchain instry published by foresight Instry Research Institute, the market scale of China's blockchain instry was less than 6 million yuan in 2011, and the market scale of China's blockchain instry increased by 32 million yuan by 2017, By 2018, the market scale of China's blockchain instry has reached 67 million yuan, always maintaining a rapid growth rate of more than 80%. It is predicted that the market scale of China's blockchain instry will exceed 100 million yuan in 2019, and that in 2022, driven by policy support and downstream demand, the market scale of China's blockchain instry is expected to exceed 450 million yuan
market size statistics and growth forecast of China's blockchain instry from 2015 to 2022 
data source: the audited enterprise asset confirmation, registration and circulation records, etc., sorted out by foresight Instry Research Institute, are stored on the platform in the form of traceability. Based on this, banks can carry out fast financing and loan business, save the cost of guarantee and other links, greatly improve the efficiency, and make the risk of financing and loan controllable as a whole
electronic data storage is an important application field of blockchain technology.
the provisions of the Supreme People's Court on Several Issues concerning the trial of cases by Internet courts, which came into effect in September 2018, clearly states that electronic data storage can be solved by blockchain and other technical means. Xiang Dan, vice president of bibox digital asset trading platform, said that electronic data deposit is an important application field of blockchain technology“ Blockchain technology has the characteristics of preventing tampering, leaving traces in the event, post audit and security protection, which is concive to improving the credibility and authenticity of electronic evidence. The combination of blockchain and electronic data storage can rece the cost of electronic data storage, improve judicial efficiency and enable judicial business. For example, the contract management based on blockchain has been applied in many Internet courts. "
according to Zhou Jianrui, co founder of coinword, a trusted content community, the application of electronic data storage based on blockchain can also help deepen the reform of "release management and service" and improve administrative efficiency. In Beijing Haidian District and other pilot areas, blockchain technology is playing the role of efficient data sharing, secure transmission and credit support. When applied in the field of government affairs, it can realize real-time data sharing of various departments and effectively assist window personnel and examination and approval personnel to quickly verify the authenticity of materials. For example, the public security, civil affairs, housing management and other departments "on the chain", in dealing with real estate transactions can be fast and accurate, "one key" verification of multi-party information, greatly saving social costs
there will be two opportunities for the application of blockchain
because the social recognition of blockchain is not high, the people who understand and use blockchain are still very limited, and the penetration of blockchain into the real economy still needs a graal process. " Yuan Yuming, CEO of fire coin China, introced that they used the open, transparent and tamper proof characteristics of blockchain to explore a new path of art traceability and anti-counterfeiting by means of high-precision full pixel scanning and archiving; By constructing the trust mechanism in the multi-party cooperation scenario, the integral information platform for multi-party participation and resource sharing is developed“ Next, there will be two opportunities for blockchain application:
one is training. With the entry of enterprise giants one after another and the continuous penetration of the real instry, more people will learn about blockchain through training, which will become a new market demand
the second is to provide consulting and technical solutions to more traditional enterprises to help them penetrate the blockchain into more traditional fields and promote the consumption rection, efficiency enhancement, transformation and upgrading of the real instry. "
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
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
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.