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Blockchain starts from P2P communication
Publish: 2021-04-21 12:33:12
1.
as part of the blockchain, the regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public account books of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public account books, so as to provide low-cost, efficient and reliable regulatory data for the supervision of P2P instry in real time Second, the borrower's credit transparent blockchain is mainly to solve the credit problem, so the blockchain is the most promising application in credit investigation. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors Third, the transaction structure of low-cost for a P2P platform, the monthly withdrawal fee of users is not a small expense, but the general P2P platform will pay this part of the fee out of their own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds
2. P2P means peer-to-peer, and P2P network is a peer-to-peer network scene, characterized by decentralization. Blockchain is a technical means for the development of P2P network. It can be simply understood that a block is an account book that records all the information generated by the whole network in a certain period of time. In the P2P network, the data exchange and synchronization between each node need huge computing power, and the block technology is born to solve this problem.
3. bitcoin P2P technology is a virtual encrypted digital currency. That's right. It's more essential. The term blockchain came into being after the birth of bitcoin, because bitcoin opened the door to the blockchain field. The popularity of bitcoin has attracted more and more people's attention to blockchain technology. Before the birth of blockchain, many veteran people used to call it P2P, which is probably the case. Many of the world's leading exchanges, such as okex, have developed some functions based on blockchain technology. You can learn more about okex platform.
4. According to the analysis report on market outlook and investment strategic planning of China's P2P instry published by foresight Instry Research Institute, the trend of Internet finance development is inevitably the integration of P2P instry and "blockchain". In China, many people have begun to pay attention to the storm that blockchain will bring, and have begun to make layout plans and strive for innovation
ant gold clothing will first be on the Alipay love donation platform, landing block chain technology, to achieve a combination of block chain and public interest. The strategic cooperation between network and circle is to open up the international financial market. The financial blockchain cooperation alliance was established, in which Tencent joined, and joined with its micro public bank as member unit and sponsor unit respectively
perhaps, like any new technology, blockchain may be a destructive idea at the beginning, but as time goes on, it is possible to spawn a larger ecosystem in an innovative way at the same time. In essence, blockchain is an information technology, a decentralized and revolutionary computing paradigm. Through the credit, evidence and compensation reward tracking model to encourage any parties who do not need to trust to participate in cooperation
it can be seen that "blockchain" is likely to become a popular "pet" in the P2P instry and even in the global Internet finance field
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models.
ant gold clothing will first be on the Alipay love donation platform, landing block chain technology, to achieve a combination of block chain and public interest. The strategic cooperation between network and circle is to open up the international financial market. The financial blockchain cooperation alliance was established, in which Tencent joined, and joined with its micro public bank as member unit and sponsor unit respectively
perhaps, like any new technology, blockchain may be a destructive idea at the beginning, but as time goes on, it is possible to spawn a larger ecosystem in an innovative way at the same time. In essence, blockchain is an information technology, a decentralized and revolutionary computing paradigm. Through the credit, evidence and compensation reward tracking model to encourage any parties who do not need to trust to participate in cooperation
it can be seen that "blockchain" is likely to become a popular "pet" in the P2P instry and even in the global Internet finance field
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models.
5. "Blockchain" is likely to become a popular "pet" in the P2P instry and even in the global Internet finance field
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models
however, at present, most of them just stay in the theoretical stage, and the actual application scenarios do not appear. However, the combination of digital currency and tea is indeed a relatively novel project. Puyin group launched the tea based digital currency Puyin.
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models
however, at present, most of them just stay in the theoretical stage, and the actual application scenarios do not appear. However, the combination of digital currency and tea is indeed a relatively novel project. Puyin group launched the tea based digital currency Puyin.
6. This has not been studied, but the application prospect of blockchain to P2P:
bitcoin (digital currency) and P2P are two major branches of Internet finance. Bitcoin has applied blockchain technology, so can P2P< As a part of the blockchain, regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public accounts of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public accounts, so as to provide low-cost, efficient and reliable regulatory data for P2P instry supervision in real time
Second, the borrower's credit information is transparent
the main solution of blockchain is the credit problem, so blockchain is most promising to be applied to credit information. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
thirdly, the transaction structure should be low-cost.
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds< Fourth, instry infrastructure
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of P2P and even the whole Internet financial system, similar to the great changes of highway to automobile transportation instry and container to ocean transportation instry For example, blockchain content publishing platform is also a P2P content publishing platform.
bitcoin (digital currency) and P2P are two major branches of Internet finance. Bitcoin has applied blockchain technology, so can P2P< As a part of the blockchain, regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public accounts of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public accounts, so as to provide low-cost, efficient and reliable regulatory data for P2P instry supervision in real time
Second, the borrower's credit information is transparent
the main solution of blockchain is the credit problem, so blockchain is most promising to be applied to credit information. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors
thirdly, the transaction structure should be low-cost.
for a P2P platform, the monthly withdrawal fee of users is also a big expense, but the general P2P platform will pay this part of the fee out of its own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds< Fourth, instry infrastructure
the rapid development of most things is largely e to the improvement of infrastructure. At present, blockchain technology can be used as a very important new infrastructure construction of P2P and even the whole Internet financial system, similar to the great changes of highway to automobile transportation instry and container to ocean transportation instry For example, blockchain content publishing platform is also a P2P content publishing platform.
7. Blockchain technology is a good thing among the materials that can be seen at present. It is just the wings that help the information revolution take off. Well, after the author's repeated study, I have to admit that the previous remarks are a little frivolous, and those comments are not enough to describe blockchain's arrogance“ It provides a way for people who don't know each other to create asset records that can be viewed by everyone. In a real sense, "everyone to everyone". The biggest problem of financial lending is credit investigation. Under the premise of a huge blue ocean in the domestic credit investigation market, blockchain technology was brought to the world by a paper of Zhongben congdashen. At the same time, it also provides a huge opportunity for the world financial market, especially Internet finance. The credit mechanism of the central bank, the big data of the bat website and so on are all centralized, at least not covering all users! Blockchain is not the same. It is decentralized and presents a flat network. Everyone's information will be recorded. It's no exaggeration to say that if you fart on the Internet, it will be recorded. It's spread from one to the next, and it's vast. In general, if blockchain technology is really implemented, financing will enter the unprecedented free sky! Are you ready? Back to the core of the question, I think the word "rescue" is not appropriate, because P2P is not so bad at present, especially since the first year of 2016, with increasing trading volume and increasing number of participants... Don't look down on the prospect of the whole instry just because of one or two thunderous platforms. It's just flowers that wither, not the whole spring. In a word: P2P is far from being rescued, and "blockchain" is the wing of Internet Finance!
8.
Can blockchain solve the problem of P2P running
P2P lending was born in the UK in 2005, and has been highly concerned since it was introced into China in 2007. Subsequently, on the one hand, online loans continued to develop vigorously. On the other hand, public opinion topics are frequent, P2P instry is in chaos, and many platforms are suspected of running away and difficult to withdraw cash. At present, the financial chain based on blockchain is trying to solve this problem
in many regions of Asia, Africa and Latin America, financial chain wallet can replace bank card to provide advanced financial services for users without bank card. The cash loan fund can be directly distributed to the user's digital wallet
9. The rise of P2P network lending has its objective conditions and practical needs, but the brutal growth of the instry chaos has also caused adverse effects on economic and social stability. In 2016, the promulgation of the Interim Measures for the management of business activities of online lending information intermediaries (hereinafter referred to as the measures) clarified the legal status of P2P online lending platform information intermediaries, and standardized the regulatory subject, business license, information disclosure, internal control construction, business boundary, service object, etc., which made it face new challenges in the transformation and development, It also provides an opportunity for the application of blockchain technology
the blockchain technology ensures that the P2P network lending platform abides by the bottom line of "not touching funds". In recent years, the instry chaos of P2P online lending platform is mainly manifested in the illegal operation of some inferior platforms by using information asymmetry, and the frequent occurrence of moral hazard problems such as fund pool, illegal fund-raising and Ponzi scheme. Under the blockchain technology, the symmetry of information makes the source and destination of funds transparent, realizes the effective isolation of information and funds, speeds up the market clearing of inferior platforms, and ensures the transformation space from compliance management platform to information intermediary
blockchain technology can effectively enhance the information matching efficiency of P2P network lending platform. The original intention of P2P network lending platform is to realize the disintermediation of funds through Internet information technology, so as to bypass the traditional financial institutions and provide information collection, publication, interaction and loan matching for the realization of direct lending between lenders and borrowers. But in reality, some platforms monopolize the information of both sides of the transaction, control the price and investment direction of funds, and alienate into "traditional financial intermediary" in the Internet channel, which greatly reces the efficiency of information transmission and transaction. Under the blockchain technology, the real disclosure of information effectively reces the cost of risk premium and implicit guarantee of funds, and makes the pricing level of funds more accurate and efficient. At the same time, it can promote the development focus of P2P network lending platform to improve the efficiency of information interaction, improve the success rate of transaction matching, and deeply explore value-added services
blockchain technology can improve the supervision efficiency of P2P network lending platform The measures have established the "double responsibility" external supervision system of banking regulatory agencies and local financial regulatory departments, introced risk control means such as third-party trusteeship and instry self-discipline, and the necessity of anti money laundering risk monitoring is also increasing. Using blockchain technology, the regulatory authorities and trusteeship institutions as a participating node can make full use of the transparency and integrity of transaction information to achieve the regulatory objectives of higher efficiency and lower cost.
the blockchain technology ensures that the P2P network lending platform abides by the bottom line of "not touching funds". In recent years, the instry chaos of P2P online lending platform is mainly manifested in the illegal operation of some inferior platforms by using information asymmetry, and the frequent occurrence of moral hazard problems such as fund pool, illegal fund-raising and Ponzi scheme. Under the blockchain technology, the symmetry of information makes the source and destination of funds transparent, realizes the effective isolation of information and funds, speeds up the market clearing of inferior platforms, and ensures the transformation space from compliance management platform to information intermediary
blockchain technology can effectively enhance the information matching efficiency of P2P network lending platform. The original intention of P2P network lending platform is to realize the disintermediation of funds through Internet information technology, so as to bypass the traditional financial institutions and provide information collection, publication, interaction and loan matching for the realization of direct lending between lenders and borrowers. But in reality, some platforms monopolize the information of both sides of the transaction, control the price and investment direction of funds, and alienate into "traditional financial intermediary" in the Internet channel, which greatly reces the efficiency of information transmission and transaction. Under the blockchain technology, the real disclosure of information effectively reces the cost of risk premium and implicit guarantee of funds, and makes the pricing level of funds more accurate and efficient. At the same time, it can promote the development focus of P2P network lending platform to improve the efficiency of information interaction, improve the success rate of transaction matching, and deeply explore value-added services
blockchain technology can improve the supervision efficiency of P2P network lending platform The measures have established the "double responsibility" external supervision system of banking regulatory agencies and local financial regulatory departments, introced risk control means such as third-party trusteeship and instry self-discipline, and the necessity of anti money laundering risk monitoring is also increasing. Using blockchain technology, the regulatory authorities and trusteeship institutions as a participating node can make full use of the transparency and integrity of transaction information to achieve the regulatory objectives of higher efficiency and lower cost.
10. The most important feature of blockchain is to record information. Once the transaction information is recorded on the blockchain, it cannot be tampered with. But the blockchain itself can't complete the transaction, which still needs other technologies to complete. In fact, the reason is very simple
decent is a distributed content publishing platform, which mainly uses the tamper proof features of blockchain.
decent is a distributed content publishing platform, which mainly uses the tamper proof features of blockchain.
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