Pilot summary of cross border business blockchain service platfo
In fact, the application mode of blockchain cross-border payment is to use blockchain network to join traditional financial institutions, foreign exchange market makers and liquidity providers into the payment network and build a payment gateway. Through the payment gateway, the flow of digital assets on the blockchain can be connected with the legal currency in reality, so that the legal currency can be converted into digital assets on the blockchain, which is convenient for subsequent payment and transfer. Through the network connector in the blockchain payment network, we can connect traditional market makers, remittance agencies, remittance agencies and other institutions, abandon the intermediate transaction link, and realize point-to-point fast and low-cost payment
, the world's first electronic wallet cross border remittance service based on block chaining, was launched in Hongkong in June 25th. Hong Kong Alipay AlipayHK users can send remittances to Philippines purse Gcash through block chain technology. p>
ant financial services said that alipayhk cooperated with gcash to become the first e-wallet in the world to use blockchain in the whole link of cross-border remittance, and Standard Chartered Bank was responsible for the day-to-day capital clearing and foreign exchange. Gcash users can consume immediately after they arrive at the account. Cross border remittance can also arrive in real time like domestic transfer, 7 × 24-hour uninterrupted, cost-effective, safe and transparent, it can be said to redefine the "cross-border remittance"
with the internationalization of e-commerce retail trade, domestic consumers have begun to seek more diversified and high-quality international procts and services. Not only foreign enterprises have begun to enter the Chinese market, but domestic e-commerce giants Ali and Jingdong have also begun to expand cross-border overseas markets. How to plan cross-border e-commerce development strategies, The implementation of effective cross-border import e-commerce scheme is a problem that foreign trade enterprises need to think about
1. Cross border e-commerce platform integrated service portal
export cross-border e-commerce platform integrated service portal is a unified external service window for local governments or enterprises to carry out cross-border e-commerce public / integrated services, including the unified management and service portal for all cross-border e-commerce businesses or cross-border e-commerce platforms. The main functions of the export cross-border e-commerce platform include enterprise record and display, commodity record and display, three order declaration, logistics tracking, policy publicity, commodity quality traceability, big data analysis, etc
2. Cross border import E-Commerce-A unified API platform
export cross-border e-commerce enterprises conct data docking with the systems of customs, inspection and quarantine, taxation and other government departments, open the seamless connection channel between cross-border e-commerce platform business and regulatory departments, and help local governments and customs develop cross-border e-commerce sunny customs clearance and intelligent supervision business, Through the business process integration with cross-border platforms and logistics channels of e-commerce, the efficient operation of cross-border e-commerce export business can be realized, so as to build an overall cross-border e-commerce export ecosystem
3. Cross border e-commerce platform mall system
provides online trading platform specialized in cross-border e-commerce business for foreign trade platform sellers, and Huixin cloud can provide cross-border E-commerce mall system customization services of different modes of cross-border e-commerce B2C, cross-border e-commerce b2b2b2c, and cross-border e-commerce b2b distribution
4. Cross border e-commerce supply chain management system
a cross-border e-commerce supply chain business operation platform that unifies the management and execution of transaction orders of major e-commerce cross-border malls. The main functions of the cross-border e-commerce supply chain system include order management, document review, document screening, return and exchange processing, replenishment management, activity package management, etc. through the cross-border e-commerce supply chain system, the self operated e-commerce platform and the third-party e-commerce platform are connected
5. Overseas cross-border e-commerce logistics customs clearance and distribution services
provide cross-border e-commerce platform business, carry out supporting logistics services and customs clearance services, and carry out a series of logistics operations such as warehousing, customs clearance, foreign exchange settlement, tax refund and distribution according to the orders imported from the e-commerce cross-border business operation platform.
In recent years, financial fraud, accountant audit failure and other risk events occur from time to time in the capital market, which brings legal risk and reputation risk to commercial banks, and has attracted the attention of the leaders of the State Council
on December 18, the "bank letter blockchain service platform" was officially released, which was launched by China Banking Association and China Institute of certified public accountants to actively implement the document requirements of the notice on further standardizing the work of bank letter and reply letter, study and promote the digital construction of letter, and improve the standardization level of letter business
"we hope that the future bank letter blockchain service platform can play a role in preventing and resolving risks, promote the improvement of letter quality and efficiency, strive to build a demonstration digital platform with high security, strong public welfare, convenience and efficiency, and make e contributions to improving the construction of social credit system and strengthening financial services for the real economy." Liu Fushou, chief lawyer of CIRC, said at the press conference
Pan Guangwei, full-time vice president of China Banking Association, said that in the future, China Banking Association will work with relevant institutions to promote the transformation and upgrading of letter business towards the direction of intensive operation and management, electronic path, standardized business process and refined data governance, improve the quality of accounting information and audit, promote the construction of social credit system and help the high-quality development of banking instry
three core advantages
bank letter and reply are the process in which the certified public accountant, after obtaining the authorization of the audited unit, directly sends the confirmation letter to the banking financial institutions, inquires about the authenticity of the audited unit's bank deposit, bank loan, guarantee, financial management and other information, and the bank inquires, checks the relevant information and provides the reply
According to pan Guangwei, letter confirmation is one of the core proceres of independent audit, which is crucial to identify errors and frauds in financial statements. For the whole financial market, letter work is related to the quality and efficiency of audit work, the quality of accounting information and the authenticity of capital market data, which is very important to prevent financial risks
"the bank letter blockchain service platform adheres to the construction concept of authority, fairness and public welfare, follows the principles of marketization, openness and graalness, and graally promotes the transformation and development of bank letter to the direction of intensification, electronization, standardization and refinement, with three core advantages." Pan Guangwei said
one is platform target location. The platform has changed the offline decentralized letter reply mode to online centralized processing, which can complete the whole process of bank letter application, authorization, sending and reply online, speed up the letter processing efficiency, effectively solve various disadvantages of traditional paper letter mode, rece the degree of manual intervention of accounting firms, banks, audited units and other related parties, and enhance risk control, Rece the risk of data error and fraud
Second, in terms of platform security. The platform only retains the information of the letter transmission process, not the letter data information, and pays attention to the information isolation and confidentiality, so as to ensure the data security of banks and offices. The platform has a financial level security protection environment, which can realize 7 * 24-hour system safe operation
The third is the platform technical support. The platform chooses "ICBC Xi chain" as the underlying blockchain technology. ICBC Xi chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain of MIIT, and has many mature application projects100 banks have applied for access
at the press conference, pan Guangwei also said that after confirming that the bank letter platform takes blockchain as the underlying technology, the working group has carried out on-site communication with a number of technology companies with blockchain technology and scene application one by one. After experts' evaluation, the blockchain technology is selected to be independent and controllable, safe and reliable, and the business connection and scene application are improved ICBC technology, which has more advantages in later operation and maintenance, is the project contractor
it is understood that as the underlying blockchain technology, "ICBC Xi chain" participated in the trusted blockchain evaluation of China Academy of information technology in 2019 and 2020, and passed five technical evaluations of function, baas, performance, security and password with 100% passing rate. It is the first blockchain proct in the financial instry to be certified by an official authoritative evaluation institution
"with the strong support of instrial and Commercial Bank of China and instrial and Commercial Bank of China technology, the system development work was officially completed on October 26, and joint debugging and testing work was being carried out with a number of banks and accounting firms. At present, 100 banks and dozens of accounting firms have clearly signed up to apply for access to the platform. We will actively connect with banks and accounting firms to be connected to the platform, and provide solutions and training according to the needs of all parties. " Pan Guangwei said
Zhang Wenwu, vice president of ICBC, said at the press conference that ICBC has always paid attention to the quality of bank letter work, and ICBC technology company has further innovated and improved on the basis of ICBC's original letter e-letter, spared no effort in platform construction, and realized the platform's proction and online on schele“ The signing of the cooperation agreement will be taken as an opportunity for the first batch of banks to actively cooperate with the construction of the platform, promote the interconnection between e-letter and the platform, and fully support the use of the platform through the practice of centralized letter and certificate at the bank end. "
At the press conference, Liu Fushou also said that it is necessary to promote the construction of the letter certification platform in a safe and orderly manner, adhere to the principle of safety, prudence and risk control, adhere to the principle of pilot first and steady progress, and adhere to dynamic adjustment and continuous improvementIn the first half of this year, Fujian pilot Free Trade Zone continued to implement financial innovation business, provide cross-border financing to overseas institutions, and accelerate the development of cross-border capital business of enterprises, according to a circular of Fujian Provincial Department of Commerce on the 1st
in terms of financial innovation business, Pingtan District of Fujian pilot Free Trade Zone innovatively adopted the "one island, two standards" mode to serve Taiwan compatriots and Taiwan enterprises, issued the first financial credit certificate of Taiwan compatriots and Taiwan businessmen in China, and took the lead in carrying out qflp policy pilot for qualified foreign investors in the whole province; Fuzhou area of Fujian pilot free trade zone has developed and constructed a national cross-border business blockchain service platform
Fujian pilot free trade zone also actively promotes banks in the zone to provide cross-border financing to overseas institutions. Since the beginning of this year, banks in the region have handled a total of 456.019 billion yuan of cross-border financing business
In addition, Fujian has accelerated the development of cross-border capital business. Statistics show that by the end of June, a total of 31 enterprises had carried out cross-border two-way RMB capital pool business, with a total of 4.987 billion yuan transferred in from abroad and 10.373 billion yuan transferred out from China; Under the centralized operation and management of foreign exchange funds of multinational companies, the amount of foreign debts is 533 million US dollars, the amount of foreign loans is 617 million US dollars, the inflow of funds is 334 million US dollars, and the outflow is 368 million US dollarsin addition, if you are interested in other free trade zones, you may as well learn about them from the economic belt network, which will certainly help you