We can strengthen the decentralization of business outlets in di
Publish: 2021-04-16 15:39:54
1. From the perspective of Internet development, decentralization is the form of social relationship and content generation formed in the process of Internet development, and is a new network content proction process relative to "centralization".
2. The four well-known decentralized loan agreements are compound, Dharma, dydx and maker, We summarize it into three modes:
(1) P2P matchmaking mode
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
Dharma and dydx are peer-to-peer agreements to match borrowers and lenders. Therefore, the number of loans and borrowings based on the two agreements is equal
for example, in Dharma, smart contracts act as "guarantors" to evaluate the asset prices and risks of borrowers. The creditor decides whether to loan to the borrower according to the evaluation results provided by the "guarantor". At the same time, when the borrower fails to repay on time, the "guarantor" will automatically carry out the liquidation procere. The maximum borrowing period of Dharma platform is 90 days, and the loan interest is fixed. The lender's funds are locked ring the loan period, and only after matching with the borrower can it start to earn interest
dydx protocol is also a P2P mode, but the main difference between it and other lending platforms is that dydx also supports other transactions besides borrowing and lending, such as futures trading. When a trader opens a position in dydx, he or she will borrow margin and reach an agreement with the lender on the terms through the platform to conct margin trading. Therefore, the target customers of dydx are mainly margin dealers. The interest of the dydx platform is variable, and there is no lock-in period or maximum term for users to borrow money on the dydx platform< The first mock exam mode of BR / > (2) is
take compound as an example, borrowers and lenders trade through the liquid trading pool instead of matching with counterparties. The interest rate of each loan and loan is determined by the liquidity of the pool, that is, the ratio between the total amount of money provided by the lender and the total amount of money demanded by the borrower. Compound doesn't set a fixed loan term, so the lender can deposit the funds into the loan pool, continuously earn interest, and withdraw the assets at any time. The borrower has an unlimited contract period
according to market research, as of February 20, 2021, the total borrowing volume of the decentralized mortgage market hit an all-time high of US $8 billion for the first time. Decentralized lending market is a network system based on smart contract, where cryptocurrency holders can lend their assets / certificates on the chain to others to make profits.
currently, the top three defi protocols in the total amount of borrowing are:
1, compound: the total amount of borrowing is 4446012599 US dollars, accounting for 55.60%
2. Maker: the total amount of borrowing is 2335968433 US dollars, accounting for 29.21%< 3. AAVE V1: the total amount of borrowing is 643772395 US dollars, accounting for 8.05%<
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.
(1) P2P matchmaking mode
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
Dharma and dydx are peer-to-peer agreements to match borrowers and lenders. Therefore, the number of loans and borrowings based on the two agreements is equal
for example, in Dharma, smart contracts act as "guarantors" to evaluate the asset prices and risks of borrowers. The creditor decides whether to loan to the borrower according to the evaluation results provided by the "guarantor". At the same time, when the borrower fails to repay on time, the "guarantor" will automatically carry out the liquidation procere. The maximum borrowing period of Dharma platform is 90 days, and the loan interest is fixed. The lender's funds are locked ring the loan period, and only after matching with the borrower can it start to earn interest
dydx protocol is also a P2P mode, but the main difference between it and other lending platforms is that dydx also supports other transactions besides borrowing and lending, such as futures trading. When a trader opens a position in dydx, he or she will borrow margin and reach an agreement with the lender on the terms through the platform to conct margin trading. Therefore, the target customers of dydx are mainly margin dealers. The interest of the dydx platform is variable, and there is no lock-in period or maximum term for users to borrow money on the dydx platform< The first mock exam mode of BR / > (2) is
take compound as an example, borrowers and lenders trade through the liquid trading pool instead of matching with counterparties. The interest rate of each loan and loan is determined by the liquidity of the pool, that is, the ratio between the total amount of money provided by the lender and the total amount of money demanded by the borrower. Compound doesn't set a fixed loan term, so the lender can deposit the funds into the loan pool, continuously earn interest, and withdraw the assets at any time. The borrower has an unlimited contract period
according to market research, as of February 20, 2021, the total borrowing volume of the decentralized mortgage market hit an all-time high of US $8 billion for the first time. Decentralized lending market is a network system based on smart contract, where cryptocurrency holders can lend their assets / certificates on the chain to others to make profits.
currently, the top three defi protocols in the total amount of borrowing are:
1, compound: the total amount of borrowing is 4446012599 US dollars, accounting for 55.60%
2. Maker: the total amount of borrowing is 2335968433 US dollars, accounting for 29.21%< 3. AAVE V1: the total amount of borrowing is 643772395 US dollars, accounting for 8.05%<
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.
3. . I began to understand how large-scale tasks can be accomplished through a decentralized approach with minimal rules; I've learned that not everything has to be planned in advance. The picture of the traffic on the streets of India has always been in my mind: the bustling crowd, the standing cattle, the drilling bicycles, the slow cattle cart, the speeding motorcycles, the huge trucks, the crashing buses - the traffic mixed with sheep and cattle wriggling on the road with only two lanes, but each other is at peace. Asia has given me a new perspective.
4.
China's blockchain instry is still in its infancy, but with the continuous support of national policies, the continuous progress of instry technology and the increasing demand for downstream applications, China's blockchain instry is expected to continue to maintain rapid growth. IDC predicts that the overall expenditure scale of China's blockchain market will reach US $2.28 billion in 2024, with a compound annual growth of 51%
according to the data released by CCID, since 2016, large it Internet enterprises have been laying out blockchains, start-ups have entered the blowout mode, the frequency and amount of investment and financing have increased dramatically, and the instrial scale has been expanding. As of December 2019, there are 1006 blockchain enterprises providing blockchain professional technical support, procts, solutions and other services with input or output
in October 2019, the blockchain officially rose to the national strategic height; In April 2020, the national development and Reform Commission listed "blockchain" in the scope of new infrastructure for the first time, making it clear that it belongs to the new technology infrastructure of the information infrastructure part of the new infrastructure. This brings opportunities to the blockchain market, which is facing a severe test under the impact of the epidemic, and also gives impetus to the further development of blockchain in technology development and instry application
- for more data and analysis, please refer to the analysis report on market outlook and investment strategic planning of China's blockchain instry of foresight Instry Research Institute
5. First, improve the service attitude
the second is to improve the business level< The third is to improve the internal quality and accomplishment< The fourth is to improve the guidance service
fifthly, opening agent business.
the second is to improve the business level< The third is to improve the internal quality and accomplishment< The fourth is to improve the guidance service
fifthly, opening agent business.
6. You're talking about marketing. First, change the counter window facing the door (convenient for customers to find) to self-service equipment, or set up a bar on the way to promote self-service equipment, then customers can arrive at the window (no marketing idea, the site is neat, often "clear in front of the door"). Second, in the place where customers rest and wait, put in the propaganda card, arrange the propaganda column, or play the video and LCD screen according to the conditions. Third, improve the ability and sense of responsibility of tellers, and "guide" the use of self-service equipment. Fourth, do a publicity activity with "demonstration" and "interactive game" in a big way. Of course, it is not advisable to achieve the desired effect without sensational effect.
7. Lu'an branch of ICBC conscientiously implemented the strategic deployment and various task requirements of the head office's high-quality service, accelerated the improvement of service quality, and seriously organized the whole bank to study and implement the "on site management and control manual for service quality of business outlets (Trial)". In accordance with the requirements, we should conscientiously do a good job in the pilot work of service standardization and refinement in grassroots outlets, timely solve the problems existing in the pilot work, sum up the experience, actively promote the service standardization and refinement management, and promote the continuous improvement of the service quality of the bank's business outlets
first, actively create conditions to build brand outlets. According to the relevant spirit of the "opinions on dynamic management of high quality and civilized service window demonstration units at the head office level" issued by the provincial instrial and Commercial Bank of China, actively strive to create "high quality and civilized service demonstration windows" at the head office level and "service demonstration windows" at local levels. In accordance with the "instrial and Commercial Bank of China Anhui branch high quality civilized service inspection free Units management measures", actively strive for more service inspection free units. Through strengthening the basic work, the bank actively creates conditions and strives to build a number of brand outlets with first-class service and environment. In accordance with the principle of "customer stratification, functional zoning, business diversion and service optimization", we will further expand the service function, improve the functional construction of outlets, and build the outlets into boutique outlets with "complete functions, outstanding features and excellent services"
the second is to implement dynamic management to further refine the service process. Actively improve the service function and marketing ability of outlets. Through the identification and guidance of the lobby, contact marketing, personalized financial management services of financial managers, reasonable job allocation and efficient service process at the counter, timely business processing and customer relationship maintenance can be achieved. According to the actual situation, the dynamic management of the counter window is implemented, and the operation window and working time are flexibly adjusted according to the number of customers and the busy and idle business, so as to maximize the operation efficiency of the window business. According to the actual situation, according to the different needs of different customers, set up financial service area, VIP room and e-banking business demonstration area in the business hall. Realize "simplification of complex business, self-service of simple business and electronic self-service business". To guide customers to understand self-service equipment, learn to use self-service equipment, give full play to the role of self-service equipment, improve the utilization rate of self-service equipment, and realize the diversion of counter customers
Third, summarize experience in time to promote differential service. Centering on the strategy of "positioning the middle end, competing for the high end and cultivating potential customers", and cooperating with the construction plan and network transformation project of ICBC VIP financial management center, this paper summarizes the experience and practice of high-end customer service, and improves the ability to meet the needs of customers at different levels. The bank will continue to take Wanxi road sub branch and Development Zone sub branch as key units to implement differentiated services, timely summarize experience and promote advanced practices. Strengthen the maintenance of self-service equipment, ensure the normal function of self-service equipment, effectively rece the counter pressure, rece the counter customer flow. The bank will further equip callers in qualified business outlets. We should enrich the excellent staff who are familiar with business, good service and good at communication to the lobby manager team, and give full play to the role of the lobby customer manager in guiding, identifying and diverting customers
fourthly, innovation and customer satisfaction evaluation under controllable risk. In order to understand customers' identification and satisfaction with the service work of ICBC, the bank organized customer satisfaction survey activities to evaluate customer satisfaction in the aspects of service variety, efficiency, quality, environment and service attitude. The method of investigation is the combination of unified organization and grass-roots punishment; The combination of internal organization and social intermediary organization. It is required that all grass-roots banks and offices should pay attention to summarizing and reporting some good experiences and practices in service work, and pay attention to promoting the actual results of innovative service work. It is advocated that innovation should be carried out under the premise of controllable risks, so as to promote the improvement of service level and the healthy development of various businesses
through the establishment and improvement of key customer regular contact system, customer hierarchical management system, proct information feedback system and customer complaint handling system, we can improve the service function and improve the service level, so as to make customers feel high-quality service quality and rich service content
please refer to.
first, actively create conditions to build brand outlets. According to the relevant spirit of the "opinions on dynamic management of high quality and civilized service window demonstration units at the head office level" issued by the provincial instrial and Commercial Bank of China, actively strive to create "high quality and civilized service demonstration windows" at the head office level and "service demonstration windows" at local levels. In accordance with the "instrial and Commercial Bank of China Anhui branch high quality civilized service inspection free Units management measures", actively strive for more service inspection free units. Through strengthening the basic work, the bank actively creates conditions and strives to build a number of brand outlets with first-class service and environment. In accordance with the principle of "customer stratification, functional zoning, business diversion and service optimization", we will further expand the service function, improve the functional construction of outlets, and build the outlets into boutique outlets with "complete functions, outstanding features and excellent services"
the second is to implement dynamic management to further refine the service process. Actively improve the service function and marketing ability of outlets. Through the identification and guidance of the lobby, contact marketing, personalized financial management services of financial managers, reasonable job allocation and efficient service process at the counter, timely business processing and customer relationship maintenance can be achieved. According to the actual situation, the dynamic management of the counter window is implemented, and the operation window and working time are flexibly adjusted according to the number of customers and the busy and idle business, so as to maximize the operation efficiency of the window business. According to the actual situation, according to the different needs of different customers, set up financial service area, VIP room and e-banking business demonstration area in the business hall. Realize "simplification of complex business, self-service of simple business and electronic self-service business". To guide customers to understand self-service equipment, learn to use self-service equipment, give full play to the role of self-service equipment, improve the utilization rate of self-service equipment, and realize the diversion of counter customers
Third, summarize experience in time to promote differential service. Centering on the strategy of "positioning the middle end, competing for the high end and cultivating potential customers", and cooperating with the construction plan and network transformation project of ICBC VIP financial management center, this paper summarizes the experience and practice of high-end customer service, and improves the ability to meet the needs of customers at different levels. The bank will continue to take Wanxi road sub branch and Development Zone sub branch as key units to implement differentiated services, timely summarize experience and promote advanced practices. Strengthen the maintenance of self-service equipment, ensure the normal function of self-service equipment, effectively rece the counter pressure, rece the counter customer flow. The bank will further equip callers in qualified business outlets. We should enrich the excellent staff who are familiar with business, good service and good at communication to the lobby manager team, and give full play to the role of the lobby customer manager in guiding, identifying and diverting customers
fourthly, innovation and customer satisfaction evaluation under controllable risk. In order to understand customers' identification and satisfaction with the service work of ICBC, the bank organized customer satisfaction survey activities to evaluate customer satisfaction in the aspects of service variety, efficiency, quality, environment and service attitude. The method of investigation is the combination of unified organization and grass-roots punishment; The combination of internal organization and social intermediary organization. It is required that all grass-roots banks and offices should pay attention to summarizing and reporting some good experiences and practices in service work, and pay attention to promoting the actual results of innovative service work. It is advocated that innovation should be carried out under the premise of controllable risks, so as to promote the improvement of service level and the healthy development of various businesses
through the establishment and improvement of key customer regular contact system, customer hierarchical management system, proct information feedback system and customer complaint handling system, we can improve the service function and improve the service level, so as to make customers feel high-quality service quality and rich service content
please refer to.
8. First, actively create conditions and strive to build brand outlets. According to the relevant spirit of the "opinions on dynamic management of high quality and civilized service window demonstration units at the head office level" issued by the provincial instrial and Commercial Bank of China, actively strive to create "high quality and civilized service demonstration windows" at the head office level and "service demonstration windows" at local levels. In accordance with the "instrial and Commercial Bank of China Anhui branch high quality civilized service inspection free Units management measures", actively strive for more service inspection free units. Through strengthening the basic work, the bank actively creates conditions and strives to build a number of brand outlets with first-class service and environment. In accordance with the principle of "customer stratification, functional zoning, business diversion and service optimization", we will further expand the service function, improve the functional construction of outlets, and build the outlets into boutique outlets with "complete functions, outstanding features and excellent services"
the second is to implement dynamic management to further refine the service process. Actively improve the service function and marketing ability of outlets. Through the identification and guidance of the lobby, contact marketing, personalized financial management services of financial managers, reasonable job allocation and efficient service process at the counter, timely business processing and customer relationship maintenance can be achieved. According to the actual situation, the dynamic management of the counter window is implemented, and the operation window and working time are flexibly adjusted according to the number of customers and the busy and idle business, so as to maximize the operation efficiency of the window business. According to the actual situation, according to the different needs of different customers, set up financial service area, VIP room and e-banking business demonstration area in the business hall. Realize "simplification of complex business, self-service of simple business and electronic self-service business". To guide customers to understand self-service equipment, learn to use self-service equipment, give full play to the role of self-service equipment, improve the utilization rate of self-service equipment, and realize the diversion of counter customers
Third, summarize experience in time to promote differential service. Centering on the strategy of "positioning the middle end, competing for the high end and cultivating potential customers", and cooperating with the construction plan and network transformation project of ICBC VIP financial management center, this paper summarizes the experience and practice of high-end customer service, and improves the ability to meet the needs of customers at different levels. The bank will continue to take Wanxi road sub branch and Development Zone sub branch as key units to implement differentiated services, timely summarize experience and promote advanced practices. Strengthen the maintenance of self-service equipment, ensure the normal function of self-service equipment, effectively rece the counter pressure, rece the counter customer flow. The bank will further equip callers in qualified business outlets. We should enrich the excellent staff who are familiar with business, good service and good at communication to the lobby manager team, and give full play to the role of the lobby customer manager in guiding, identifying and diverting customers
fourthly, innovation and customer satisfaction evaluation under controllable risk. In order to understand customers' identification and satisfaction with the service work of ICBC, the bank organized customer satisfaction survey activities to evaluate customer satisfaction in the aspects of service variety, efficiency, quality, environment and service attitude. The method of investigation is the combination of unified organization and grass-roots punishment; The combination of internal organization and social intermediary organization. It is required that all grass-roots banks and offices should pay attention to summarizing and reporting some good experiences and practices in service work, and pay attention to promoting the actual results of innovative service work. It is advocated that innovation should be carried out under the premise of controllable risks, so as to promote the improvement of service level and the healthy development of various businesses.
the second is to implement dynamic management to further refine the service process. Actively improve the service function and marketing ability of outlets. Through the identification and guidance of the lobby, contact marketing, personalized financial management services of financial managers, reasonable job allocation and efficient service process at the counter, timely business processing and customer relationship maintenance can be achieved. According to the actual situation, the dynamic management of the counter window is implemented, and the operation window and working time are flexibly adjusted according to the number of customers and the busy and idle business, so as to maximize the operation efficiency of the window business. According to the actual situation, according to the different needs of different customers, set up financial service area, VIP room and e-banking business demonstration area in the business hall. Realize "simplification of complex business, self-service of simple business and electronic self-service business". To guide customers to understand self-service equipment, learn to use self-service equipment, give full play to the role of self-service equipment, improve the utilization rate of self-service equipment, and realize the diversion of counter customers
Third, summarize experience in time to promote differential service. Centering on the strategy of "positioning the middle end, competing for the high end and cultivating potential customers", and cooperating with the construction plan and network transformation project of ICBC VIP financial management center, this paper summarizes the experience and practice of high-end customer service, and improves the ability to meet the needs of customers at different levels. The bank will continue to take Wanxi road sub branch and Development Zone sub branch as key units to implement differentiated services, timely summarize experience and promote advanced practices. Strengthen the maintenance of self-service equipment, ensure the normal function of self-service equipment, effectively rece the counter pressure, rece the counter customer flow. The bank will further equip callers in qualified business outlets. We should enrich the excellent staff who are familiar with business, good service and good at communication to the lobby manager team, and give full play to the role of the lobby customer manager in guiding, identifying and diverting customers
fourthly, innovation and customer satisfaction evaluation under controllable risk. In order to understand customers' identification and satisfaction with the service work of ICBC, the bank organized customer satisfaction survey activities to evaluate customer satisfaction in the aspects of service variety, efficiency, quality, environment and service attitude. The method of investigation is the combination of unified organization and grass-roots punishment; The combination of internal organization and social intermediary organization. It is required that all grass-roots banks and offices should pay attention to summarizing and reporting some good experiences and practices in service work, and pay attention to promoting the actual results of innovative service work. It is advocated that innovation should be carried out under the premise of controllable risks, so as to promote the improvement of service level and the healthy development of various businesses.
9. , outline, help you
10.
1. Open the mobile handheld business hall
extended information:
China mobile online business hall is an online self-service platform for China Mobile to provide customers with business acceptance, marketing promotion and information query“ "China mobile online business hall" is divided into four self-service online business halls of global communication, M-Zone, Shenzhouxing and group customers
the online business hall of China Mobile has set up a unified user login interface for different brands of customers, but the interfaces and functions seen by users of different brands are different
in the online business hall, in addition to the historical detailed list, monthly bill, self writing SMS, score record and basic business processing functions of the users of globetron, M-Zone and Shenzhouxing, the users of globetron provide special differentiation functions such as online payment and real-time inquiry of telephone charges, while M-Zone provides differentiation functions such as merchants in M-Zone, BBS and games, Shenzhouxing users provide unique functions such as mobile phone balance query
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