Two rights mortgage loan ceiling of blockchain in the whole prov

1. 1. What is the technology of blockchain?

2. The most popular is bitcoin. Bitcoin has been popular for a long time. It can be cashed and converted into the currency of most countries. Users can use bitcoin to buy some virtual items, such as clothes, hats and equipment in online games. As long as someone accepts it, they can also use bitcoin to buy real-life items
in China, the other one I know is the network mutual aid blockchain, which represents the platform of concentric mutual aid. Blockchain technology is used to solve the shortcomings of the network mutual aid instry. At present, blockchain is also very popular in the network mutual aid instry.

3. From a technical point of view, Tongzheng is not an essential part of blockchain technology. Using Tongzheng is only one of the ways of blockchain distributed ledger bookkeeping. In time, Meiyu Tongzheng can also normally record all information in the ledger. From a commercial point of view, Tongzheng adds an incentive mechanism to blockchain, The participants who are not familiar with each other and can not have a trust relationship can establish different business ecology because of their economic interests. Just like Wen ecology, Wen ecology has the business ecology of consumer protection, shopping mall, investment, mining and so on. Only by gathering these together and forming a complete ecology can we build a huge economic and commercial ecology based on the blockchain.

4.

"Financial crimes in the name of Internet finance are becoming more and more serious." Jiang Shuzhen, director and prosecutor of the economic crime Department of the Beijing municipal procuratorate, told reporters that in recent years, the number of cases of building self financing platform in the name of P2P and issuing false credit transfer projects to finance themselves has increased year by year, and the harm has become more and more serious. In addition, illegal fund-raising in the name of virtual currency and blockchain also began to appear

According to Jiang Shuzhen's analysis, there are still some problems in financial crime cases, such as difficult investigation and evidence collection, and many disputes on the application of law. For example, in the case of illegal fund-raising, the amount of evidence collection is large, cross regional evidence collection is difficult, and there are disputes between crime and non crime, indivial crime and unit crime

in addition, the regulation of financial laws and regulations on new financial formats such as Internet finance is relatively backward. Jiang Shuzhen, for example, in recent years, there have been illegal and criminal activities such as "Huaqiang coin" and "five element coin" with virtual currency as a gimmick. On September 4, 2017, the central bank and other seven ministries and commissions jointly issued the "notice on preventing the risks of token issuance and financing", which timely reminded the public to be alert to the risks of token issuance and financing and transactions, and achieved good results. But what is the meaning of token, There is a lack of law enforcement norms to regulate the illegal issuance of securities, illegal fund-raising, financial fraud, pyramid schemes and other illegal activities. In view of the problems exposed in Internet finance, blockchain and other new formats, we should improve the relevant laws and regulations as soon as possible to promote the effective connection between administrative law enforcement and criminal justice

content source: Red Star News

5. One of the three conditions for large-scale implementation of blockchain applications is blockchain 3.0 technology, which can improve the performance, ease of use, operability and scalability of blockchain, and involves new technologies such as side chain, sub chain, cross chain, layering, fragmentation and zoning. According to Xiao Feng's observation, most of these technologies will mature in 2019, and the main network will go online. The launch of these new technologies is the premise of large-scale commercial application of blockchain. So from a technical point of view, after 2019, the large-scale commercial application of blockchain can be expected
the second is that only mature technology is not enough. In order to realize a large number of DAPP and commercial applications on the blockchain, we must be prepared on one hand: that is, the digital currency that can be used as payment tool, exchange medium, value measure and value storage. Xiao Feng said that everyone thinks that bitcoin is a payment system, but the real bitcoin can not meet our demand for payment because its currency value fluctuates too much
for example, he said that a mall sold a bottle of water and accepted bitcoin payment. When he got up the next morning, he found that 20% of the value was gone. So it can't be accepted. After the Japanese parliament made it clear that bitcoin could be used as a payment tool, some Japanese businesses announced that they would accept bitcoin payment. But later found that it caused a lot of trouble for the stability of the company's balance sheet. Your balance sheet is unstable, up or down. This not only affects the value of the things sold, but also affects the credit evaluation of enterprises and the services provided by banks to companies
the third condition is the construction of laws and regulations and supervision system. The digital economy on the blockchain must obtain legal protection and comply with the law. Xiao Feng stressed that there can be no decentralization in this regard
the differences between blockchain and Internet are discussed. He believes that the core difference between the two is that the Internet is a centralized trust mechanism, while the blockchain is a decentralized trust mechanism, and there is no need to trust a third party
the second core difference between the Internet and blockchain is the incentive mechanism, not the digital currency or the ability to issue currency. Economics has been discussing incentive incompatibility. Under the company system and on the Internet, the incompatibility of incentive mechanism has not been solved. However, in the decentralized blockchain, the blockchain achieves complete incentive compatibility. Without shareholders, board of directors and employees, the conflicts of interest between these roles will not happen again.

6. Certainly not, because blockchain itself has no value, just like bitcoin. Some foreign countries recognize it as currency, but China does not recognize bitcoin. In China, the value of bitcoin is zero. Do you think blockchain can loan.

7. Property mortgage requirements:
our bank accepts commercial housing and commercial housing with clear property rights and strong liquidity as collateral
[warm tips] the following conditions must be met:
① the real estate used for mortgage and the loan agency must be located in the same city, and the personal mortgage house purchase loan does not accept the collateral from other places< (2) the real estate with appraisal present value less than or equal to 100000 yuan will not be accepted as collateral
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled according to law, and there is no adverse liquidation such as property right dispute
④ it has strong liquidity, good property structure, complete water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services, no disputes and problems, and it is not within the scope of demolition planned by the government< (5) if the mortgage is a commercial house, the age of the house shall not exceed 20 years, and the loan / credit period plus the age of the house shall not exceed 40 years in principle; If the mortgage is a commercial house, the age of the house shall not exceed 20 years, and the loan / credit period plus the age of the house shall not exceed 30 years in principle< In principle, commercial houses that have been idle for more than six months will not be accepted as collateral
for details, please contact the personal loan department of local outlets for consultation and confirmation.

8. Not yet, you can learn Java and big data, HTML5

9.

Now, almost all of them cut off leeks one after another, saying that there is another new leek growing into...

the concept of blockchain is too new. A wave of smart people can easily use this concept to create some so-called creative gimmicks. In fact, it is essentially grafting the name of new concept to do something illegal without any egg

generally speaking, all the blockchain instries that are not combined with entities are hooligans

when it comes to on-the-spot projects, such as court power confirmation, agricultural proct traceability, electronic invoice, etc., have been implemented, but these are all about people's livelihood. There are also some project parties, such as tuken Mall (distributed scene e-commerce, online in May), gongxinbao (personal data right confirmation), Hashi future, etc., which are good on-the-spot projects, You can go to their official website or official account.

if you are looking for an investment, you have to take it easy. If you don't understand it, don't make a blind investment. If you understand it within the scope of your balance, you can make another investment... Remember

you can observe the projects mentioned just now, as long as the implementation can promote the real economy, I hope it can help you