Credit and blockchain

Publish: 2021-04-27 04:07:42

1. Multinet is a blockchain platform

2. 1. At the international summit on blockchain held from September 23 to 24, 2016, Ma Zhitao, vice president and chief information officer of Weizhong bank, disclosed that Weizhong bank and Huarui Bank jointly developed a blockchain application system, which can be used for the settlement and clearing of micro loan joint loans of the two banks. The system has been put into trial operation in September. After the introction of the blockchain system, because all information is recorded on the blockchain network and cannot be tampered with, the transaction process is accompanied by the liquidation process, which can complete real-time liquidation< On September 23, 2016, IBM and China UnionPay previewed the "inter-bank points exchange system using blockchain technology", which allows consumers to exchange bonus points across banks and platforms. The points of one bank can be exchanged for bonus points of other banks, and even for mileage of several airlines and supermarket rewards, The system can greatly improve the efficiency of bank points. Take the point exchange as an example. Traditionally, consumers take away goods after exchanging points, but merchants need to prove the user's points and settle accounts before they can finally complete the transaction. The blockchain can link all the credit perfectly. The original trust process and cost that rely on the third party can be removed, and the transaction is settlement
3. The central bank's blockchain digital bill trading platform
in early 2017, the people's Bank of China's blockchain based digital bill trading platform was successfully tested, and then the digital currency Research Institute of the central bank will be officially listed. The people's Bank of China has become the first central bank to study digital currency and its real application
the central bank's blockchain digital bill trading platform introces digital currency for settlement, which can realize the synchronous transfer of capital flow and information flow of digital bill transaction, so as to realize DVP bill settlement; At the same time, through the blockchain digital identity solution, the problem of repeated KYC authentication for users between different financial institutions is solved. You can learn more about it at bitMom

3. Yunnan metallurgy used to be called Gejiu Yunxi company, Dongchuan mining Bureau, Yimen copper mine and Huize Lead zinc mine.

4. The entry threshold of virtual currency is the lowest, which is relatively reliable. Choose regular exchange hot currency or okex. Leverage trading of foreign exchange futures is very risky. The stock market is not perfect and has little investment value at present.

bitcoin is a kind of network virtual currency, which can buy real-life goods
it is characterized by decentralization, anonymity, and can only be used in the digital world. It does not belong to any country or financial institution, and is not subject to geographical restrictions. It can be exchanged anywhere in the world. Therefore, it is used as a money laundering tool by some criminals

6. China's credit instry is mainly based on enterprise credit, while personal credit needs to be developed, and the overall market prospect is broad. China's enterprise credit development is early, and the market is relatively mature. By the end of 2016, there are about 137 enterprise credit reference institutions in China. Personal credit has not yet been put into market operation and the license has not been issued yet. Eight units, including Tencent credit, sesame credit, Qianhai credit, lakara credit, Zhongcheng credit, zhongchengxin credit, PENGYUAN credit and Hua credit, have participated in the personal credit pilot organized by the central bank. Private personal credit institutions can indirectly participate in the personal credit market through cooperation with banks and other financial institutions, but they can not directly publish personal credit reports. To obtain personal credit reports, they can only go through the central bank credit system. As of the end of June 2016, the central bank's credit reference center has included 21.2 million enterprises and other organizations and more than 900 million natural persons, of which only 5.77 million have credit records with 410 million natural persons. The data of Experian, a global credit giant, has covered 103 million enterprises and 890 million people in the world. Compared with the market demand and credit market scale of the United States, the future development space of China's credit market is huge

the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage

on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<

the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

7. With the rise and continuous development of blockchain technology, many enterprises, institutions and indivials have taken the lead in the field of blockchain for in-depth analysis. At present, blockchain technology is in the rising stage. With the continuous growth and improvement of blockchain technology, it will have the opportunity to become a new credit mechanism based on the bottom decentralization. In the future, jinwowo will focus on promoting the legal circulation and commercial application of big data with blockchain technology, and provide a good Internet big data environment for the majority of small and medium-sized enterprises and users

8. As one of the icebreakers of blockchain technology development and application, jinwowo group has made substantial progress in how to innovate the blockchain business model, create a blockchain circle with regional characteristics, and build blockchain patent protection. In terms of serving the national small and medium-sized enterprises, jinwowo has formed a big data service platform with blockchain as the underlying technology. Through efficient and real collection of user data, analysis and research of user behavior, it helps businesses and users to establish "Credit ID card" and build instry credit relationship, so as to promote the development and improvement of Internet and social credit system.

First, what is blockchain
blockchain is a technology system which is jointly maintained by multiple parties, uses cryptography to ensure the security of transmission and access, and can achieve consistent data storage, tamper proof and non repudiation

before trustcoin, bitcoin was the first successful application of blockchain technology

the essence of honest currency is a multi person bookkeeping account book, which belongs to a kind of digital asset and a kind of virtual currency like special currency

for example, if a has five integrity coins and transfers them to B, you only need to record the transaction in the account book and the transfer is successful. As like as two peas, the distributed accounting system is implemented in block chain technology. With such a powerful account book, we do not need WeChat, do not need Alipay, do not need the bank and other three party agencies to help us to keep accounts, and we can all participate in the bookkeeping work. p>

cryptography ensures that as long as we do not lose our own key, others will not be able to forge our transactions and then transfer our digital assets
Second, what is the role of blockchain

bitcoin is the first blockchain application that has been proved successful. It teaches the world how to transfer value without trusting a third party. Blockchain technology can effectively remove the trust problem of information asymmetry
How does
blockchain technology work
We know that there is no trust between people. In the transaction, it often needs a third party agency as an intermediary guarantee. The reason why blockchain can reconstruct the previous trust between people essentially depends on the way that every transaction is recorded by everyone, which is transparent and verifiable, difficult to tamper with, and even more undeniable
no longer needs centralization of the administrator, do not need banks, Alipay, WeChat as an intermediary, efficient transfer of value. p> Thirdly, what is integrity currency

integrity coin is a digital asset based on blockchain technology, just like a game; The game is very special. Under the rule of district centralization, there is no leader, no one has the final say, no judge. So everyone is the referee, the weight is the same, so we can realize the supervision of information and ensure the transparency of information

in the process of continuous trading, the reward mechanism is integrity coin, which is based on the distributed ledger jointly maintained by a community. Everyone in the community should be informed whether there is any change in the account book

and the process of obtaining integrity money through continuous exchanges is called mining
< H2 > Fourth, the relationship between virtual currency and blockchain
in essence, digital currencies such as bitcoin, integrity coin and Leyte coin are virtual tokens generated under blockchain technology. Without blockchain technology, there would be no such digital assets

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Credit and blockchain

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