Blockchain personal credit

1. 1. At the international summit on blockchain held from September 23 to 24, 2016, Ma Zhitao, vice president and chief information officer of Weizhong bank, disclosed that Weizhong bank and Huarui Bank jointly developed a blockchain application system, which can be used for the settlement and clearing of micro loan joint loans of the two banks. The system has been put into trial operation in September. After the introction of the blockchain system, because all information is recorded on the blockchain network and cannot be tampered with, the transaction process is accompanied by the liquidation process, which can complete real-time liquidation< On September 23, 2016, IBM and China UnionPay previewed the "inter-bank points exchange system using blockchain technology", which allows consumers to exchange bonus points across banks and platforms. The points of one bank can be exchanged for bonus points of other banks, and even for mileage of several airlines and supermarket rewards, The system can greatly improve the efficiency of bank points. Take the point exchange as an example. Traditionally, consumers take away goods after exchanging points, but merchants need to prove the user's points and settle accounts before they can finally complete the transaction. The blockchain can link all the credit perfectly. The original trust process and cost that rely on the third party can be removed, and the transaction is settlement
3. The central bank's blockchain digital bill trading platform
in early 2017, the people's Bank of China's blockchain based digital bill trading platform was successfully tested, and then the digital currency Research Institute of the central bank will be officially listed. The people's Bank of China has become the first central bank to study digital currency and its real application
the central bank's blockchain digital bill trading platform introces digital currency for settlement, which 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, through the blockchain digital identity solution, the problem of repeated KYC authentication for users between different financial institutions is solved. You can learn more about it at bitMom

2. Yunnan metallurgy used to be called Gejiu Yunxi company, Dongchuan Mining Bureau, Yimen copper mine and Huize Lead zinc mine.

3. The entry threshold of virtual currency is the lowest, which is relatively reliable. Choose regular exchange hot currency or okex. Leverage trading of foreign exchange futures is very risky. The stock market is not perfect and has little investment value at present.

4. It mainly depends on your technology. You can do it separately,
my foreign exchange cost is low, only a little difference, no hand fee

6. Blockchain technology is characterized by anonymity, decentralization, openness and transparency. Blockchain is not a newly invented technology, but an integration of a series of technologies, including asymmetric encryption technology, timestamp, consensus mechanism and so on
taking bitcoin as an example, blockchain solves double spending and Byzantine Generals' problem through timestamp and proof of work mechanism, that is, it ensures that the same bitcoin can not be spent twice, and keeps consistency among all nodes in the whole decentralized blockchain network
the asymmetric encryption mechanism ensures the security of the private key, the timestamp ensures that the blocks are connected into chains in sequence, and the workload proof mechanism solves the problem of how to distribute 21 million bitcoins fairly in the decentralized system.

7. China's credit instry is mainly based on enterprise credit, while personal credit needs to be developed, and the overall market prospect is broad. China's enterprise credit development is early, and the market is relatively mature. By the end of 2016, there are about 137 enterprise credit reference institutions in China. Personal credit has not yet been put into market operation and the license has not been issued yet. Eight units, including Tencent credit, sesame credit, Qianhai credit, lakara credit, Zhongcheng credit, zhongchengxin credit, PENGYUAN credit and Hua credit, have participated in the personal credit pilot organized by the central bank. Private personal credit institutions can indirectly participate in the personal credit market through cooperation with banks and other financial institutions, but they can not directly publish personal credit reports. To obtain personal credit reports, they can only go through the central bank credit system. As of the end of June 2016, the central bank's credit reference center has included 21.2 million enterprises and other organizations and more than 900 million natural persons, of which only 5.77 million have credit records with 410 million natural persons. The data of Experian, a global credit giant, has covered 103 million enterprises and 890 million people in the world. Compared with the market demand and credit market scale of the United States, the future development space of China's credit market is huge

the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage

on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<

the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

8. Theoretically, so far, blockchain can represent the highest standard of credit
the block in the concept of blockchain is the information fast formed by the combination of bitcoin information and time stamp, and then every information fast is linked together to form a chain, that is, blockchain. Such chains can be verified with each other, can be added or removed at any node, and the update frequency is extremely fast. The wide range of distribution and the transparent and open data make the blockchain technology have its own credit attribute
the attributes of blockchain technology can be used to centralize the financial infrastructure, disintermediate the credit of traditional intermediate institutions, and evade the risk of financial instry by relying on the security of blockchain technology. However, these technologies can be realized because blockchain technology reflects the value of credit
for example, equity crowdfunding, the traditional way is to promote the completion of crowdfunding activities through equity crowdfunding platform, which is not only inefficient, but also investors can get less return, and the use of blockchain technology can quickly complete the transaction, so that investors can get richer returns, and these returns can be guaranteed, This is e to the distrust intermediation of blockchain technology
of course, as an emerging technology, blockchain must have some myths in the development process. For example, the underlying technologies and protocols of block chaining technology need to be improved, the time of chain formation is not long enough, and the centralization mode is not absolute enough. These problems may lead to the failure, elimination, bubble or new prosperity of the block chain technology. The emergence of this new technology is based on breaking the shackles caused by the lack of contemporary social credit China trade finance website)
the most important function of blockchain is to keep the records of information and not tamper with it. European crowdfunding uses blockchain technology to make crowdfunding project information more transparent.

9. With the rise and continuous development of blockchain technology, many enterprises, institutions and indivials have taken the lead in the field of blockchain for in-depth analysis. At present, blockchain technology is in the rising stage. With the continuous growth and improvement of blockchain technology, it will have the opportunity to become a new credit mechanism based on the bottom decentralization. In the future, jinwowo will focus on promoting the legal circulation and commercial application of big data with blockchain technology, and provide a good Internet big data environment for the majority of small and medium-sized enterprises and users