Blockchain Ping An Bank

1. There are many domestic enterprises providing the underlying technology platform of blockchain. At present, many domestic enterprises have entered the blockchain. Well known are Wanda, LETV finance, ant financial services, Ping An Bank, Minsheng Bank, postal bank, etc
of course, the most substantial progress has been made by coin Ying China, which has introced blockchain and digital currency into the crowdfunding instry. At present, a crowdfunding project has been successfully completed.

2. IBM, Microsoft, Oracle, Accenture, Tencent, Alibaba, Jingdong, network, etc. have all done it. Many large banks, including Ping An Bank, have also launched their own blockchain solution platforms or solutions. However, it should be added that large companies do not mean strong technical strength, because blockchain is still in the hot stage of concept in the world. Unicorn blockchain companies are likely to emerge in the future, such as EOS in foreign countries and honeycomb chain of Fanrong technology in China. The efficiency of TPS and packing into blocks may be much higher than that of large companies.

3. First of all, I'd like to introce some well-known blockchain companies in China, and then I'll personally evaluate which one is good. You can judge for yourself

1. Bubi blockchain company, which is engaged in the underlying technical services and instry solutions of blockchain. That is to say, an underlying blockchain is built, and an adaptation layer is built on it, so that enterprises can quickly establish commercial applications. The underlying blockchain is self-developed. The consensus mechanism is pbft, TPS is 5000 transactions per second, UnionPay is 2000 transactions per second, and bitcoin is 7 transactions per second. Of course, different underlying architectures lead to different performance, because Bubi's commercial blockchain pays more attention to performance. At present, Bubi is mainly used in digital assets, supply chain finance, supply chain traceability, public notary and other fields< 2. Bumeng blockchain. Theoretically, bumeng should be regarded as the proct line of Bubi, but Bubi is mainly engaged in the private chain, while bumeng is an alliance chain. So separately, bumeng is Bubi's layout in digital assets. The underlying technology is Bubi blockchain, but it encapsulates the blockchain according to the scene and provides API interface for enterprises. Enterprises issue their own assets on it. According to the characteristics of blockchain, they can freely circulate their assets. At present, some enterprises such as sunshine insurance, Qianxiang finance, crowdsourcing, Haohuo, etc. have joined in, and the assets in them include insurance policies, integral points, and so on Financial procts and so on. Finally, it is estimated that this platform will break through the barriers between assets, and the end users can freely use and transfer these assets. This is an interesting way for the blockchain instry, because it has both the opening of public chain and the security of private chain

Third, only chain, which is a commodity ID management cloud platform based on blockchain technology, provides enterprise users with commodity asset management, tracing, anti-counterfeiting verification, new supply chain management, etc. in the form of baas. Simple understanding is that only chain has done the content of "supply chain traceability" of Bubi blockchain

four, concentric mutual aid, concentric mutual aid is a mutual aid security platform, put some mutual insurance related information into the blockchain, and users can apply to become nodes, participate in bookkeeping, and maintain their own data

5. Xiaoyi is a decentralized network protocol based on blockchain technology, which digitizes the assets and interests of the real world, and carries out financial business such as registration and issuance, transfer transaction, clearing and delivery through point-to-point network

these five blockchain companies are probably well-known in China, and I personally recommend bumeng

first, bumeng uses the underlying technology of Bubi blockchain, which is very promising in the instry. It has the largest number of landing applications in China. Enterprises can not only use the blockchain technology at low cost (just call the interface, it seems that it is free), but also use the resources inside. Think about being on the same chain with many enterprises and docking resources in the future, User transformation should not be easy

Second, Weilian and Tongxin Huzhu focus on one field, and do not provide underlying technology and instry solutions. That is to say, if you are in this instry or can be used in the upstream and downstream of this instry, you can not be used in other fields. Take mutual security field as an example, zhongtuobang and zebra Club both choose bumeng. Of course, if it is an investment, you can consider it

Third, Xiaoyi, why not recommend Xiaoyi, because Xiaoyi is an open source project, and we all know the domestic business environment, especially when the instry is just beginning to develop, and the domestic market is different from that of foreign countries, Xiaoyi has gone through two rounds of ICO, which will be a great worry in the future operation, and at present, Xiaoyi has not been applied in practice, We have made a Fada platform, which has not been used by any company yet (guess it may be related to the factors of open source, who dares to open their data completely). Of course, the open attitude of Xiaoyi is worth encouraging. Although I guess the advantages and disadvantages of the code are well understood by peers, it is not clear

Fourth, why is there no recommendation for Bubby? Bubby has raised 30 million yuan a while ago, because Bubby is more open and has more resources. Of course, if the business requires high privacy, it can also choose Bubby blockchain

finally, for all my hard work, choose me!

4. Blockchain is a term in the field of information technology. In essence, it is a shared database. The data or information stored in it is characterized by "unforgeability", "trace in the whole process", "traceability", "openness and transparency" and "collective maintenance". Based on these characteristics, blockchain technology has laid a solid "trust" foundation, created a reliable "cooperation" mechanism, and has broad application prospects

response time: September 27, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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5.

As of May 2020, blockchain and digital currency are illegal in China

according to the announcement of the people's Bank of China Central Network Information Office, Ministry of instry and information technology, State Administration for Instry and commerce, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission on preventing the risks of token issuance and financing, Article 2 no organization or indivial shall illegally engage in token issuance and financing activities. Organizations and indivials that have completed the token issuance and financing should make arrangements such as refund, reasonably protect the rights and interests of investors, and properly handle risks. Relevant departments will seriously investigate and deal with the activities of token issuance and financing that refuse to stop and the illegal behaviors in completed token issuance and financing projects

Article 3 strengthen the management of token financing trading platform

from the date of this announcement, any so-called token financing trading platform shall not engage in the exchange business between legal currency and token and "virtual currency", and shall not buy or sell token or "virtual currency" as a central counter party, and shall not provide pricing for token or "virtual currency" Information intermediary and other services

extension data

"illegal financial institutions and illegal financial business activities ban" stipulates that:

eleventh, the criminal suspect, funds and property involved in illegal financial institutions and illegal financial activities, and the public security organs shall take compulsory measures according to law to prevent suspect from escaping and transferring funds and property. p>

Article 12 the people's Bank of China shall, after investigation and confirmation, make a decision to ban the illegal financial institutions and financial business activities, declare them illegal, order them to stop all business activities, and make an announcement

Article 13 if the people's Bank of China discovers that a financial institution opens an account, handles settlement and provides loans for an illegal financial institution or illegal financial business activities, it shall order the financial institution to stop the relevant business activities immediately. No unit or indivial may use the relevant funds without authorization

6. For the first time, you can see how the company can find the direction and position in the blockchain instry. You can just follow his normal link to see.

7. Yingchi Hall of fame is the top non-public graphics card. Although the time of silent frequency is similar to 1060, the ability of overclocking is much stronger than 1060. The official power consumption is 165W, while 1060 is 120W. After overclocking, the power consumption will be higher. Pay attention to whether the power supply is enough. The price of 900 yuan can be bought, but please note that if you play a stand-alone game, it may explode in some games. As for mining, so to speak, there is no ore card in the 9 series, and the N card mining was started on a large scale in the 10 series. It may have been before, but it's too few. Before the 10 series, they used to dig with a-card.

8. Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen (Shenzhen Stock Exchange: 00000 1). Its predecessor, Shenzhen Development Bank, is the first publicly listed national joint-stock bank in mainland China. Ping An of China and its controlling subsidiaries together hold 58% of the shares of the bank and are the controlling shareholders of the bank. By the end of 2018, there were 34626 employees, providing a variety of financial services to customers through 80 branches and 1057 business institutions across the country

development strategy

with the goal of building "China's most outstanding and world's leading intelligent retail bank", Ping An Bank continues to deepen the 12 character strategic guideline of "technology leading, retail breakthrough and public excellence". In terms of technology leading, we should adhere to technology leading, mode leading, platform leading and talent leading, comprehensively reshape the bank body with science and technology, and create a "moat" of financial technology; In terms of retail breakthrough, we should make use of scientific and technological wisdom to comprehensively promote the transformation of intelligent retail banks and strive to realize the transformation of retail business from excellent to excellent; In the aspect of corporate banking, we will select instries, customers, procts and risks, and strive to build a high-quality corporate bank with distinctive characteristics, leading efficiency and excellent quality<

performance overview

steady development of the bank's overall operation

steady development of the bank's overall operation, in-depth promotion of retail transformation, intensive focus on public business, and continuous improvement of asset quality. In 2018, the bank achieved an operating revenue of 116.716 billion yuan, a year-on-year increase of 10.3%; The net profit was 24.818 billion yuan, a year-on-year increase of 7.0%. At the end of 2018, the bank's total assets amounted to RMB 3418.592 billion, an increase of 5.2% over the end of last year; The balance of deposits received was 2128.557 billion yuan, an increase of 6.4% over the end of last year; The total amount of loans and advances (including discount) was 1997.529 billion yuan, an increase of 17.2% over the end of last year<

the retail transformation continued to deepen, and the "3 + 2" system of retail business was constructed

the bank promoted the development of retail business with the help of the whole bank, and built an AI driven "3 + 2" business system, namely "basic retail, consumer finance, private wealth" three business moles, and "cost control, risk control" two core competencies. At present, retail business has become the main driving force of our revenue growth, and the proportion of retail revenue and loans exceeds 50% of the whole bank

at the end of 2018, the bank managed retail customer assets (AUM) of 1416.796 billion yuan, an increase of 30.4% over the end of last year; The number of retail customers was 83.9 million, an increase of 20.0% over the end of last year; The balance of personal deposits was 461.591 billion yuan, an increase of 35.4% over the end of last year; The balance of personal loans was 1154.013 billion yuan, an increase of 35.9% over the end of last year, accounting for 57.8%, an increase of 8.0 percentage points over the end of last year

the bank is deeply integrated into the "five ecological circles" of group financial services, medical and health care, automobile services, real estate services and smart city, and provides scene and non probation services for customers and users through smart master account. Online, upgrade the pocket banking app embedded with various technologies and services, with 62.25 million registered customers by the end of 2018; Offline, on the basis of the official opening of Guangzhou Liuhua sub branch, the first new intelligent retail store in 2017, launched the " Liuhua" project and successfully upgraded the standard business model of 136 sub branches<

the corporate bank, which continuously optimizes the corporate business structure and cultivates intensively, focuses on the construction of high-quality business, high-quality channels and high-quality projects, and strives to expand and strengthen the ecological parties with the ecological management concept. With the help of science and technology, we can manage and drive business innovation, and form an intelligent banking system for boutique companies

by the end of 2018, pocket finance has registered and opened 280000 customers, and the annual transaction amount has exceeded 830 billion yuan; In 2018, the total business volume of the supply chain accounts receivable service platform (SAS) exceeded 10 billion yuan, providing financial service support for 111 core enterprises and their upstream SMEs; At the end of 2018, there were 14103 small business digital Finance (KYB) customers, and the accumulated loans in 2018 were 10.7 billion yuan

at the same time, the bank has actively built high-quality investment banking and interbank business. In 2018, the cumulative issuance scale of interbank bond underwriting business was 161.9 billion yuan, up 54.0% year on year; By the end of 2018, the total number of cooperative customers of "xingetong" platform reached 2079, 150 more than that at the end of last year

with the help of science and technology to drive the change of mode, the bank leads the market in financial technology

regarding science and technology as the first proctivity of strategic transformation, has constructed the "3 + 2" science and technology platform pattern, created "three portals" of pocket bank, pocket finance and bank E-com, and "two hearts" of smart finance and smart risk control

in 2018, the bank continued to increase investment in science and technology, with it capital expenditure of 2.575 billion yuan, up 82% year on year; By the end of 2018, the technology manpower of the bank was expanded to nearly 6000, an increase of more than 44% over the end of last year

in the past decade, Ping An Group has invested more than 50 billion yuan in scientific research, founded more than 10 new technology companies, 25 scientific and technological research and development laboratories and 6 scientific and technological innovation research institutes, and applied for more than 12000 scientific and technological patents. Relying on the group's core technologies and resources in artificial intelligence, blockchain, cloud computing and other fields, the Bank launched advanced and rich financial technology, enabling procts, services and management in an all-round way

corporate culture construction

innovative culture is the inherent gene of the bank, strong executive power is the prominent feature of the bank's corporate culture, and effective performance management is an important grasp of the bank's executive power. We adhere to the people-oriented, committed to the harmonious unity of bank development and all-round growth of employees

in terms of social responsibility, we will make features of targeted poverty alleviation, create a closed loop of "Finance + technology + proction and marketing", help poor areas develop their instries, and achieve "real poverty alleviation and real poverty alleviation" by "teaching people to fish". In less than one year, the bank has exported nearly 4.5 billion yuan of poverty alleviation funds, directly helped more than 1917 poor people with filing and cards, and benefited more than 330000 poor people with filing and cards

the bank further promoted green finance, focused on supporting the development of green instries related to new energy and clean energy, and effectively enhanced credit support for green real economy. By the end of 2018, the total amount of green credit of the bank had reached 62.693 billion yuan

Corporate honor

in recent years, the bank's business development and operating characteristics have been highly praised by authoritative institutions, and won the "best Listed Bank of the year" in the "2018 gold medal list of China's financial institutions · Golden Dragon Award" sponsored by financial times; In the second China financial technology pioneer list of the securities times, he was listed in the "2018 China AI financial pioneer list". In addition, with its outstanding achievements in the retail field in the past year, it won three awards of "Asia Pacific, Middle East and Africa's best progressive retail bank", "China's best progressive retail bank" and "auto financial proct of the year" from Asian Banker magazine. In 2018, the bank also won many awards such as "outstanding joint-stock commercial bank brand", "outstanding mobile banking app" and "most characteristic credit card"

in the future, Ping An Bank will actively respond to the national strategy, conform to the international and domestic economic and financial situation, and comprehensively enhance its ability to serve the real economy. We will take AI as the internal driving force, systematize and standardize the ability of the best banker through science and technology to become the first AI banker in the instry, and empower AI banker to our customers, employees and partners, so as to make Ping An Bank an AI bank.