1. A: the main application fields of blockchain technology are finance, Internet of things and logistics, public service, digital right, insurance and public welfare
First, in the field of finance,
blockchain has great potential application value in international exchange, letter of credit, equity registration, stock exchange and other financial fields
Second, the Internet of things and logistics
blockchain can also be naturally combined in the field of Internet of things and logistics. Through blockchain, we can rece logistics costs, trace the proction and delivery process of goods, and improve the efficiency of supply chain management
Third, in the field of public service, blockchain is closely related to people's proction and life in the fields of public management, energy and transportation. However, the centralization of these fields also brings some problems, which can be transformed by blockchain Fourthly, in the field of digital right, through blockchain technology, works can be authenticated to prove the existence of text, video, audio and other works and ensure the authenticity and uniqueness of ownership In the field of insurance, insurance institutions are responsible for fund collection, investment and claim settlement, and often have higher management and operation costs Sixth, the data stored on the public welfare field
blockchain is highly reliable and tamperable, which is naturally suitable for social public welfare scenarios. The relevant information in the public welfare process, such as donation project, collection details, fund flow, recipient feedback, etc., can be stored on the blockchain, and can be made transparent and public, which is convenient for social supervision
2. Because the
digital currency, which is the first generation of blockchain technology, has a huge impact on the financial field, the research and application of blockchain technology has become an important task in today's financial field. In essence, blockchain technology still belongs to a kind of technical means and tools. Its application in the financial field and the real economy is parallel. It has its own relative independence, but it also has a certain degree of intersection. That is to say, its role in promoting the real economy is indirect. 1. No matter in finance or entity, one of the bases of transaction between supply and demand is trust. The current bank to enterprise, enterprise to enterprise and enterprise to person are all linked by money. With the further popularization and wide application of blockchain technology, enterprises and enterprises, or indivials can issue digital currency (Digital credit) by themselves in the future, and the status of banks will change from monopoly operation to equal competition operation in the market. Therefore, the wide application of blockchain technology in the financial field has an indirect impact on the real economy. 2. Blockchain technology is the bridge between reality (entity) and virtual world. Through blockchain technology, the real world can be reconstructed, reconstructed and redefined in the virtual world. For example, the digital currency of real paper money in the virtual world, the digital stock transaction of real stock transaction in the virtual world, the digital settlement, digital customs clearance, digital documents and bills of real import and export trade in the virtual world can greatly improve the efficiency of business process and save the transaction cost. At present, all transactions are inseparable from the bank. The bank plays a central role in the transaction. The application of blockchain technology by the bank will certainly improve the efficiency of its settlement and indirectly promote the efficiency of the real economy, but this impact will graally weaken in the future. Because the biggest feature of blockchain technology is decentralization, its distributed accounting system is a network system without center. 3. In fact, the application of blockchain technology is to value and credit the information flowing on the Internet. Through the blockchain, the information with (use value, exchange value, cultural value) in the Internet is reorganized and newly constructed to form a value Internet. It is of great significance. It will bring revolutionary promotion to both the financial instry and the real economy.
3. In the traditional supply chain finance, financing difficulty, high financing cost and cumbersome financing process have always been one of the bottlenecks restricting small and medium-sized enterprises to become bigger and stronger. Banks rely on the ability of core enterprises to control goods and regulate sales. For the sake of risk control, banks are only willing to provide factoring services to upstream suppliers (limited to first tier suppliers) with direct accounts payable obligations of core enterprises, or provide prepayment or inventory financing to their downstream distributors (first tier suppliers). As a result, the demand of secondary and tertiary suppliers / distributors with huge financing demand can not be met, the business volume of supply chain finance is limited, and the small and medium-sized enterprises can not get timely financing, which will easily lead to proct quality problems and damage the whole supply chain system
to solve these problems, we can make use of the characteristics of decentralized, tamper proof and distributed ledger of blockchain technology to build a blockchain supply chain financial platform
The core enterprise issues a / R certificate to the distributor. After the distributor signs the receipt, it indicates that it has signed the purchase and sales contract and the core enterprise delivers the goods Because of the shortage of funds, distributors need to borrow money from finance
3. After the financial institutions have approved, the amount of loans will be sent to the core enterprises
The distributor will repay the loan and interest after selling the goods
4. Blockchain is a revolutionary underlying technology. Its original function is bookkeeping. As a distributed general ledger, it can solve the credit problem, notarization problem, audit problem, right confirmation problem, etc. of the ledger, as well as the digital demand of physical assets. Blockchain application scenarios are characterized by "new database, multi business entities and mutual distrust". The financial instry has the characteristics of low trust among participants and high requirements for transaction record security and completeness, which is very consistent with the application characteristics of blockchain technology. Therefore, the financial services instry is one of the instries with the most blockchain technology landing projects and the most abundant scenarios, such as supply chain finance, asset securitization, credit reference and risk control. In the financial field, blockchain technology can not only reform the financial infrastructure, but also play a synergistic role in the scenes of supervision, transaction, credit reference,
virtual currency and so on. For example, in the traditional financial environment, supervision is managed by reporting data from various business organizations, which will cause many disadvantages, such as "black box" operation, decision-making delay and so on. However, under blockchain finance, with the advantages of information transparency and penetration and regional centralization, the regulatory authorities can grasp all business information at the first time. At present, Internet financial companies such as fox financial services are vigorously developing blockchain technology. Through the characteristics of decentralized blockchain technology and distributed storage, they can enhance user information management and enhance regulatory efficiency.
5. Blockchain is a distributed point-to-point structure with the advantages of decentralization, openness, transparency, high degree of security and strong traceability. It is an effective technology to thoroughly solve the problems of trust, efficiency and trade. Therefore, blockchain technology is most likely to bring about changes in the financial field, such as exchange clearing, cross-border payment, inter-bank clearing, etc. At the same time, blockchain technology can also help solve many collaborative problems of the real economy, such as logistics, supply chain and so on. For example, for insurance companies, blockchain can prevent insurance fraud and solve the "qualitative management problem". Moreover, the promotion of smart contracts helps to improve the user experience
however, it is still in the experimental stage, but the capital has quickly followed up the layout. According to the data of the in-depth analysis report on business model innovation and investment opportunities of China's blockchain instry released by foresight Instry Research Institute, from 2012 to 2015, the amount of venture capital in the blockchain field increased by more than 200 times, from US $2 million to US $469 million, and about 205 venture capital institutions participated in the investment
however, although the development of blockchain is still hot, it is far from large-scale application, at least facing problems in technology, application, security and other aspects. More importantly, the government did not follow up, so the relevant enterprises had to consider the policy risk.
6. Hello, there is a public service platform of SMIC blockchain (Changsha) in 2020, which seems to have cooperated with Bank of Changsha.
it is an application case of bank blockchain in Hunan, you can check more information to understand
hope to help you.
7. The first is definitely because of policy support. Most of the blockchain instrial parks are dominated by the government. The second is the participation of local enterprises, including capital and technology. The third is to have blockchain application projects that can be supported. Changsha high tech Zone also has a blockchain Instrial Park. Now it has launched a SMIC blockchain service platform project, It is also a blockchain application landing project.
