China Merchants Bank blockchain Division
At noon, 31 year old Guo Yang (not his real name) had just finished his morning technical meeting, and then he had seven or eight hours of technical discussion waiting for him. He rarely had time to get out of his work and have a meal with his friends. When he heard the other party say "blockchain technical director's annual salary is 1.5 million", his hand trembled and the bowl almost turned over
Zhang Zuoyi's goal now is to complete the transformation of blockchain technology in other scenarios in the same way. He said that as the team has done more and more, we can see that there are more than 300 online brands, and there are nearly 8000 procts. Just like building blocks, he is building his cooperation relationship on the basis of the cooperation of some brands
Guo Yang is also full of ambition at the moment. At 9 p.m., he finished his shift and had dinner with friends in the company canteen. While talking about the latest progress of the blockchain project, he experienced the ups and downs of the blockchain instry and heard some sad or happy news. On the contrary, he felt that the blockchain technology had more vitality and was worth exploring. Thinking of this, I feel that my ambition has been released by my current work, and I am looking forward to establishing a career that really belongs to blockchain technology
As a traditional financial institution, banks are the most active Pathfinder in the field of blockchain. In recent years, many banks at home and abroad have applied blockchain technology to credit, clearing and other fields. The unique trust mechanism of blockchain is regarded by banks as a key technological breakthrough in innovating risk management and simplifying transaction process. However, as an emerging technology, blockchain ecology is still in the process of establishment, and its application is very limited. Many problems still need to be solved graally in the development
"at present, blockchain can't run high-frequency and concurrent transactions, and network speed and computing power can't support it. For example, in the field of payment, if it is online shopping, it can be realized; If it's high-frequency futures trading, it can't be done. " Huang Zhen said
JIANG Peng said that at the beginning of designing the blockchain system, China CITIC Bank carefully demonstrated the business links suitable for the use of blockchain
"from the global experience, it is not suitable to use blockchain to build a large and complex system. Instead of trying to solve all problems with blockchain, we should focus on solving the core problems. It's time-consuming to build a too complex system. The technology is developing so fast that before the old system is finished, it will face the iteration of new technology. " Jiang Peng said
the idea of "only solving core problems" ensures that after the blockchain goes online, the relevant business operations of branches of China CITIC Bank can be upgraded without process transformation
Fan Bin said frankly that it will take time for banks to fully apply the blockchain, and IBM's investment in the blockchain open source community will continue, on the one hand to cultivate the market, on the other hand to compete for the commanding height of the blockchain platform. With the rapid iteration of blockchain technology itself, there is still a lot of imagination for financial institutions to use this new technologythe content comes from Xinhuanet
at present, a new round of scientific and technological revolution and instrial change sweeping the world, big data, cloud computing, Internet of things, artificial intelligence, blockchain and other new technologies continue to emerge, and the digital economy is profoundly changing the way of human proction and life, becoming a new driving force of economic growth. As a disruptive technology, blockchain is leading a new round of technological and instrial changes in the world, and is expected to become
the "source" of global technological innovation and mode innovation, and promote the change from "information internet" to "value Internet"
in China's 13th five year plan for national informatization, blockchain is regarded as a key cutting-edge technology, and it is clearly proposed to strengthen the innovation, experiment and application of new technologies such as blockchain, so as to seize the leading power of the new generation of information technology. At present, China's blockchain technology continues to innovate, and the blockchain instry has initially taken shape. It has begun to be rapidly applied in supply chain finance, credit reference, proct traceability, right trading, digital identity, electronic evidence and other fields. It is expected to promote China's economic system to achieve technological change, organizational change and efficiency change, and make an important contribution to the construction of a modern economic system
as of June 2018, China's blockchain related business has initially formed a scale under the promotion of the government, enterprises and capital, and is in the forefront of the world in terms of the number of patents, financing environment, policy support and application landing
the instry is developing at a high speed, and the number of enterprises is increasing rapidly
according to the statistical data of the "in depth analysis report on business model innovation and investment opportunities of blockchain instry" released by prospective instry research institute, there were 406 patent applications related to blockchain in the world in 2017, of which 225 were from China. As of the end of March 2018, the number of blockchain based companies in China has reached 456. The blockchain instry has initially formed a scale. From the upstream hardware manufacturing, platform services, security services to the downstream instrial technology application services, instry investment, media publicity, talent services and other instrial chain links are basically complete
from the change of the number of newly established companies in China's blockchain instry, the number of Companies in this field began to increase in 2014, and the number of newly established companies increased significantly in 2016, more than 100, more than three times of 2015. 2017 is the peak period of blockchain entrepreneurship in recent years. Due to the rapid popularization of blockchain concept and the graal maturity of technology, many entrepreneurs swarmed into this field, and the number of newly established companies reached 178
from equipment manufacturing to instrial application, the context of the blockchain instry chain is graally clear
from the distribution of newly established companies in the blockchain instry segmentation field, as of the end of March 2018, the number of instrial application companies in the blockchain field is the largest, including 86 companies serving the financial instry and 109 companies serving the real economy. In addition, there are more than 40 related companies in blockchain solutions, underlying platforms, blockchain media and communities
judging from the distribution of investment events in blockchain instry segments, companies related to instrial application services have the largest number of investment events, with a total of 113. It can be seen that investors are paying more and more attention to projects with specific application scenarios that can be actually implemented. The number of events in the field of underlying platform is 42, and the number of events in the field of blockchain media and community is 28. The field of blockchain is attracting more and more entrepreneurs and capital, becoming a new highland for innovation and entrepreneurship. With the development of blockchain technology and the acceleration of application, the instrial scale will continue to increase, and this field is expected to become a new economic growth point in the future
the influx of Internet giants has rapidly promoted the development of China's blockchain instry
blockchain technology is not only favored by start-ups, but also widely concerned by internet giants. Internet giants have expanded their blockchain business and rapidly promoted the development of China's
blockchain instry. At present, Tencent, Alibaba, Internet, Jingdong and other Internet instry giants have joined in the research and scenario application of blockchain technology
the regional distribution is relatively concentrated, and the instrial agglomeration effect is obvious
from the perspective of the regional distribution of China's blockchain companies, Beijing, Shanghai, Guangdong and Zhejiang are still the concentration places of blockchain entrepreneurship, accounting for more than 80% of the total. Among them, Beijing is in the absolute leading position with 175 companies, accounting for 38%; Shanghai ranked second with 95 companies, accounting for 21%; Guangdong Province ranked third with 71 companies, accounting for 16%; Zhejiang Province ranked fourth with 36 companies, accounting for 8%. In addition, Jiangsu, Sichuan, Fujian, Hubei, Chongqing and Guizhou are among the top ten provinces in China's blockchain entrepreneurial activity
the application of blockchain is diversified, extending from finance to the physical field
blockchain technology has the characteristics of distributed, tamper proof, high transparency and traceability, which is very suitable for the business needs of the whole financial system. Therefore, it has been applied in payment and clearing, credit financing, financial transactions, securities, insurance, leasing and other sub fields. For example, Minsheng Bank and China CITIC Bank jointly launched the first domestic L / C blockchain application, and Ping An of China's two major application scenarios of asset trading and credit reference have been online. China Merchants Bank has landed the first domestic blockchain cross-border payment application, and Weizhong bank has shortened the reconciliation time from t + 1 day to t + 0 day through the inter agency reconciliation platform based on blockchain, realizing daily quasi real-time reconciliation
with the graal maturity of blockchain technology innovation and development, the actual effect of instrial application has become more and more obvious
now, the application of blockchain has extended from the financial field to the physical field, including electronic information deposit, right management and trading, proct traceability, digital asset trading, Internet of things, intelligent manufacturing, supply chain management and other fields. Blockchain technology began to be deeply integrated with the real economy instry, forming a number of "instrial blockchain" projects, ushering in the era of "a hundred flowers bloom" of instrial blockchain
to realize "informatization of cooperation links" and help the real economy rece costs and improve efficiency
from the current actual landing cases, the landing application of instrial blockchain technology should solve some "small problems" for the instry realistically, and focus on improving the informatization level of instrial cooperation links, Specifically, we can promote the development of traditional instries from two aspects of "cost rection" and "efficiency improvement"
in addition to low cost and high efficiency, blockchain can also realize "trust transfer" or "trust spillover". Based on blockchain technology, since the information on the chain can not be tampered with, the third party can also trust the information after the two parties jointly verify a transaction, In fact, this kind of trusted state can be transmitted to a third party, and then realize the capitalization of data. In addition, it is very easy for institutions to turn from the "black box" state to the "white box" state, that is, the operational mechanism of institutions is transparent, which makes it very easy to prove their innocence and greatly reces the cost of mutual trust between multi-agent
furthermore, blockchain will play a role of "improving the efficiency of instrial chain collaboration". To improve the level of instrial collaboration is an important way to promote made in China to move towards the middle and high end, and also an important requirement for building a modern economic system. However, in many instries, the efficiency of instrial chain collaboration is still not high, especially in the field of international trade
technology abuse leads to certain risks in instrial development, which can not be ignored
although the positive value of blockchain technology is graally emerging, there are still a series of risks that can not be ignored in the process of instrial development. On the one hand, it is compliance risk. In the early stage of the development of blockchain, because it has the property of transmitting value, it has attracted some behaviors that are not focused on technology application, but are keen on illegal fund-raising, pyramid selling and even fraud through ICO (initial token issue)
the instrial policy system has been graally constructed, and the instrial development environment has been continuously optimized
the blockchain technology has risen to the level of national science and technology strategy. In December 2016, the notice of the State Council on printing and distributing the 13th five year plan for national informatization first mentioned blockchain, and took it together with quantum communication, artificial intelligence, virtual reality, big data cognitive analysis, driverless vehicles and other technologies as key cutting-edge technologies, clearly proposed the need to strengthen the innovation, testing and application of blockchain and other new technologies, In order to seize the leading power of the new generation of information technology. Secondly, relevant instry, national and international standards are also speeding up to solve the key technical standards of blockchain and promote the ecological development of blockchain instry. In order to grasp the development opportunity of blockchain instry and seize the commanding point of blockchain instry development, local governments timely issued blockchain technology and instrial development support policies, which ushered in a new outbreak of blockchain instry
at present, local governments are actively positioning blockchain technology from the perspective of instry and seizing the new opportunities brought by technology upgrading. For example, in March 2018, the Hebei provincial government issued the guiding opinions on accelerating instrial transformation and upgrading and building a modern instrial system, proposing to actively cultivate and develop future instries such as blockchain and build a world-class high-tech instrial cluster< According to the overall plan of the 19th National Congress of the Communist Party of China, preventing and defusing major risks is one of the priorities of China's economic work in the next three years, and the key to preventing and defusing major risks is to prevent and control financial risks. Therefore, China also actively strengthens instry supervision, prevents possible financial risks in the process of blockchain development, maintains the stability and security of national finance, and promotes the healthy development of blockchain instry, so as to better play the positive role of blockchain "value Internet"
blockchain is a cutting-edge technology, and the new regulatory challenges caused by technology also require the continuous progress of regulatory technology. "Reg tech" (regulatory Technology) in the financial technology segment. It is to use new technologies such as big data, artificial intelligence and blockchain to solve regulatory compliance problems and rece compliance costs. Blockchain filing platform and blockchain based regulatory system all belong to the field of reg tech. There have been companies engaged in regulatory technology in China, which mainly provide regulatory technology solutions for the government, major banks and other financial regulatory agencies. Jinqiu technology, zhongxiangbit and other companies have launched a supervision system based on blockchain.
621485 begins with a debit card from China Merchants Bank. The following is the basic information of the card:
1, bin Code: 621485
2, bank: China Merchants Bank
3, bank number: 3080000
4, card Name: UnionPay IC gold card
5, card type: debit card
China Merchants Bank financial IC debit card was officially issued on November 1, 2012. The "all in one card" IC cards issued this time include UnionPay universal card, UnionPay gold card and UnionPay golden sunflower card
it is reported that the financial IC card currently issued by CMB is a composite financial IC card with al-use chips and magnetic strips. The card has all kinds of "one card" accounts and e-cash accounts for small consumption, as well as contact and non-contact chip and magnetic strip interfaces. It is a financial IC card that meets the pboc2.0 standard of the people's Bank of China
extended information:
development history
on April 8, 1987, China Merchants Bank held the opening ceremony in Shekou, Shenzhen. Since then, China's first bank founded by an enterprise was born, and Wang Shizhen was the first president
In 1988, we went out of Shekou and opened the first branch Luohu business departmentin 1989, the capital and shares were increased for the first time; In the same year, it became the first offshore pilot bank
on April 3, 2015, China Merchants Bank Co., Ltd. (China Merchants Bank, 600036. Sh; 03968. HK) and China Merchants real estate Holding Co., Ltd. (China Merchants real estate, 000024) issued a suspension notice at the same time
on October 15, 2015, China Merchants Bank launched the ATM "face brushing withdrawal" business in Shenzhen. Customers can withdraw money without inserting a physical bank card, with a daily limit of 3000 yuan. If a customer needs to withdraw money, first click the "brush face to withdraw money" function on the home page of the ATM screen, and the system will automatically capture the scene photos, and compare them with the bank's trusted photo source in the background. After verification, the customer enters the mobile phone number to further confirm his identity, then enters the withdrawal amount and password, and finally takes the cash. The whole process does not need to insert the physical bank card
in February 2017, brand Finance released the list of global top 500 brands in 2017, and China Merchants Bank ranked 91st
on July 19, 2018, China Merchants Bank ranked 213 in the Fortune Global 500
on September 20, 2018, China Merchants Bank issued a statement on the national Internet Financial Registration and disclosure service platform of China Mutual Financial Association, saying that it has passed the evaluation of the indivial online lending fund depository system (the "white list" of P2P online lending institutions' depository banks)
on October 11, 2018, Forbes released the list of the world's best employers in 2018, and China Merchants Bank ranked 160th
on November 1, 2018, after handling the precious metal purchase business for customers, China Merchants Bank Shenzhen Branch issued the first blockchain electronic invoice through the system directly connected to the blockchain platform of Shenzhen Taxation Bureau, and the first batch of banks directly connected to the Shenzhen Urban blockchain electronic invoice platform through the system, which also became the first pilot bank of blockchain electronic invoice in China
source of reference: China Merchants Bank
The customer service number of China Merchants Bank is 95555
1. Service hotline: 95555
2. Overseas service hotline: 86-755-84391000
3. Credit card service hotline: 400-820-5555
in July 1995, the bank card all-in-one card was launched, and in September 1999, China's first online banking all-in-one network was launched, To a certain extent, it promotes the development of e-commerce in China
on April 2, 2015, China Merchants Group Co., Ltd. planned major events. In order to ensure fair information disclosure, safeguard the interests of investors and avoid causing abnormal fluctuations in the company's share price, the company's shares were suspended since the opening of the market on April 3, 2015
extended information:
the development history of China Merchants Bank
on July 19, 2018, China Merchants Bank ranked 213 in the Fortune Global 500
on November 1, 2018, after handling the precious metal purchase business for customers, China Merchants Bank Shenzhen Branch issued the first blockchain electronic invoice through the system directly connected to the blockchain platform of Shenzhen Taxation Bureau, and the first batch of banks directly connected to the Shenzhen Urban blockchain electronic invoice platform through the system, which also became the first pilot bank of blockchain electronic invoice in China
2020, the first year of the lunar new year, in the critical moment of preventing and controlling the epidemic of New Coronavirus pneumonia, China Merchants Bank decided to donate 200 million yuan to the city of Wuhan through the Wuhan Charity Federation to fully support Wuhan's fight against the epidemic. p>
1. Enterprise e-banking and unit deposit business
2. Credit business
3, institutional business
4, international business
5. Entrusted housing financial fund clearing, intermediary business, asset promotion, fund custody, etc
The most basic internal departments of banks are savings (for private), accounting (for public) and credit. Accounting can be said to be the back office and Service Department of credit. Credit is the deposit and loan business of units, a bit like the Sales Department of general companies, and all business transactions between these units and banks are realized through the accounting departmentspecifically, the corporate business is to carry out various kinds of checks, exchange, loans and other business around the public deposit account with the corporate legal person, unit and other customers as the main body
extended information:
the head office of China Merchants Bank is located in Futian District, Shenzhen city. On April 9, 2002, a shares of China Merchants Bank were listed on Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began to issue about 2.2 billion H shares in Hong Kong, raising HK $20 billion. It was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeded 290 billion yuan and total assets exceeded 4.4 trillion yuan
as of the first half of 2017, more than 1800 branches of China Merchants Bank and more than 130 cities in Chinese mainland city have set up service outlets, including 5 overseas branches and 3 overseas representative offices, with 7 employees. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds China Merchants Fund Management Co., Ltd., holds 50% equity of China Merchants SINOSURE Life Insurance Co., Ltd., and 50% equity of Zhaolian Consumer Finance Co., Ltd; In Hong Kong, it wholly controls Wing Lung Bank Limited and CMB International Financial Holdings Limited
The development goal of China Merchants Bank is to become a leading retail bank in China. In July 1995, the bank card all-in-one card was launched, and in September 1999, China's first online banking all in one Netcom was launched. It has become a widely used online payment tool for many enterprises and e-commerce websites, which has promoted the development of China's e-commerce to a certain extenton April 2, 2015, China Merchants Group Co., Ltd. planned major events. In order to ensure fair information disclosure, safeguard the interests of investors and avoid causing abnormal fluctuations in the company's share price, the company's shares were suspended since the opening of the market on April 3, 2015[ 14] In August 2016, China Merchants Bank in & quot; Top 500 Chinese enterprises in 2016; Ranked 39th in China