Decentralization of individual user business outlets in banking

1. Compared with the traditional centralized financial system, the decentralized financial platform has three advantages:
A. indivials with asset management needs do not need to trust any intermediaries, and the new trust is rebuilt on the machine and code
B. everyone has access, no one has central control
C. all protocols are open source, so anyone can cooperate on the protocols to build new financial procts and accelerate financial innovation under the network effect
defi is a relatively broad concept, including currency issuance, currency transaction, loan, asset transaction, investment and financing, etc
we regard the birth of BTC and other cryptocurrencies as the first stage of decentralized finance. However, the decentralization of currency issuance and storage only provides a point-to-point settlement solution, which is not enough to support the rich financial business. The rapid development of decentralized lending agreements in the past two years will have the opportunity to further open the financial system of the blockchain world and bring decentralized finance into the second stage<

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2. Hello, it's a great honor to be here to answer your question. The following are some of my views on this issue. If there are any mistakes, please point them out. Start all
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almost every supporter of encryption start-ups has a trend, that is, to use the decentralized value of blockchain technology to sell their business fundamentals

in this paper, we will explain the differences between decentralized financial agreement business and traditional business:

we will mainly discuss two aspects:

1) what is the real meaning of defi

2) what are the types and main differences of defi platforms< Users of traditional financial systems often want to build a system that is easier to access, more transparent, lower transaction costs and less dependent on intermediaries. To build such a more equitable financial system, banks, loans and derivatives must undergo fundamental changes. In addition, a decentralized ecosystem, such as defi, is needed. It promotes P2P lending, eliminates centralized control, and provides users with financial freedom

recently, in the field of cryptocurrency, there are many discussions about defi. It provides financial services to the world: loans, derivatives and other procts. Moreover, the role of traditional financial intermediaries has weakened, or even failed to play a role. Proponents of a decentralized financial system see defi as a good alternative to traditional lending. Some have called it the future of borrowing

defi is built on public blockchains such as bitcoin network and Ethereum. It has become one of the "core drivers" on the Ethereum network. By using unlicensed distributed networks, the defi platform converts financial procts into untrusted protocols that can be accessed by anyone anywhere in the world. People who don't have an account in the bank can also use the defi solution to loan and borrow assets, as well as to trade with financial instruments

open source platforms provide users with great benefits, including transparency, cheap cross-border transactions, no credit checks and less censorship. Anyone can carry out financial activities because there is no geographical restriction<

the degree of decentralization of defi

in recent months, the introction of defi solutions has proliferated. They have different models and their degree of decentralization is also different. Compared with other models, some defi models have poor dispersion. This is because only a few of their components are decentralized, while the rest are still centrally controlled by the company

the establishment of agreement, non trust, price supply, determination of interest rate, provision of liquidity of margin call and start-up of margin call are the key components of defi agreement. They determine the degree of decentralization

if there are a large number of decentralized components, then the defi protocol is more decentralized than other models. Such a protocol will give users complete control over their digital assets and get rid of centralized control. So far, there is no single defi protocol that disperses all components

each defi protocol is assigned a category according to the number of distributed components:

centralized finance (cefi)

defi solutions are usually unmanaged, which means that users can control their funds and be responsible for their security. Instead, cefi is hosted. The central system is responsible for keeping the assets of users and ensuring the safety of users' funds

when it comes to loans or loans, users can't control any aspect of funds. The interest rate is determined by the central government, and the liquidity of margin call is provided by the central system or authorities. Cefi procts use centralized price supply, and it is also permitted to issue margin call. Thank you very much for your patience. If you have any help, please accept it. I wish you a happy life! thank you!

3. From the perspective of technology development stage, blockchain technology is still in the early stage. Blockchain was not popular in China at the earliest time, but it has been highly valued at the policy level in China. Blockchain instrial parks in various regions have been implemented one after another, and blockchain applications are also rising. Changsha high tech Zone has officially launched a blockchain project, called SMIC blockchain service platform, which is a government enterprise service platform.

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5. This business must be handled by the payer himself (passbook or bank card) in person to the business hall. To learn more about service offers, click the "official website" customer service 221 below to answer for you.

6.

There are two differences between a branch and a sub branch:

1. A branch is the superior management unit of a sub branch. It is not an external business unit, but an organization that manages each sub branch. It is not an external business unit. The establishment of a number of administrative departments belongs to the nature of administrative organs< 2. A sub branch is the head of a regional bank, which is in charge of the savings office and the banking office. Foreign business, we deal with the bank's daily contacts are sub branches

the role of a branch is consistent with the services provided by the head office, providing customers of the bank with banking activities such as deposit, withdrawal and loan, so as to meet the daily needs of customers living far away from the main network of the bank for deposit, withdrawal and loan activities. Many large and medium-sized banks set up branches to extend their service to communities, states or countries in different locations

the services provided by branches are cheaper, faster and more convenient in operation, and easier for customers to access. At present, the phenomenon of domestic mainstream banks opening branches is very common

The specific responsibilities of the sub branch are as follows:

1. Implement the stable monetary policy and support the economic development of the jurisdiction

2. Carry out foreign exchange management according to the authorization to maintain the order and stability of foreign exchange in the jurisdiction

3. Specifically responsible for the withdrawal, safekeeping, destruction and accounting of damaged bonds of RMB issuance funds, handling cash deposit and withdrawal business of commercial banks, and organizing anti-counterfeiting work of RMB

Maintain the normal operation of payment and clearing system

Managing the national treasury

To carry out financial statistics and organize financial and economic statistical investigation

7. To guide the deployment of anti money laundering work in the financial instry, and to be responsible for the fund monitoring of anti money laundering

Manage the credit instry and promote the establishment of social credit system

Prevent systemic financial risks and maintain financial stability

extended data:

the asset scale and after tax profit of China's banking instry have increased significantly year by year. In 2011, the profit of China's banking instry accounted for nearly one third of the total profit of the global banking instry. The scale of China's banking instry is developing rapidly, but under the background of accelerated interest rate marketization, intensified internal and external competition and declining profit growth, banking and financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout

With the increasing competition in the banking instry, financial institutions in the banking instry pay more and more attention to the tracking research on the instry development environment and market demand, especially the in-depth research on the development environment of banking business and the trend change of customer demand. Because of this, a large number of excellent domestic banking institutions are rising rapidly, graally forming their own business characteristics and becoming the instry leaders or rookies

the bank is an enterprise that manages money. Its existence facilitates the raising and financing of social funds. It is a very important member of financial institutions

we can see that the banking business, on the one hand, collects idle money and small amount of money savings in the society by absorbing deposits, and then lends them to people who need to supplement money in the form of loans; Here, the bank acts as an intermediary between the lender and the borrower

On the other hand, the bank deals with the business of money collection, payment and settlement for commodity procers and merchants, and it also acts as a payment intermediary. In a word, the bank acts as a credit intermediary

The basic functions of commercial banks include: credit intermediary, payment intermediary, credit creation and financial services

7. Bank of China outlets are unable to print personal credit reports. You can contact the local people's Bank for consultation
you can also download and log in to the mobile banking client of Bank of China Version 6.7.0 or above, and submit personal credit report query application in the home page "more", loan management function home page and "my" mole. The query version of mobile banking does not support personal credit report query service
after receiving the application, the Bank of China will submit your application to the credit reference center of the people's Bank of China. Under normal circumstances, the credit reference center of the people's Bank of China will return your credit report within 24 hours. You can download and view the report content in the mobile banking, and the specific content is subject to what you find

if you have any questions, you are welcome to consult the online customer service of Bank of China or download and use the mobile banking app of Bank of China to consult and handle relevant business

the above contents are for your reference, and the business regulations shall be subject to the actual situation

8.

What is a banking department? It refers to the department dealing with external business

the business department refers to the organization directly under the larger branch to handle external business, and its function is the same as that of the general business outlets. Because some of the larger banks have more branches, so they have more business. They can't simply handle business in the name of a branch. Therefore, it is called the business department of a certain branch

division of banking departments:

1. The office

organizes the office of the head office, and is responsible for comprehensive coordination, confidential archives, drafting of meetings of branch presidents and other important documents, publicity and liaison, letters and visits, and administration and financial management of the head office headquarters

2. The management information department is in charge of the business statistics and information work of the whole bank, responsible for summarizing and compiling all kinds of business statistical statements, comprehensively analyzing and evaluating the operation and management status of the whole bank, organizing investigation and research, publishing information on the Internet, collecting and processing all kinds of economic and financial information

3. The planning and finance department shall prepare the capital operation plan, financial plan, infrastructure plan and other comprehensive operation plans of the whole bank, and supervise the implementation of the plans. Responsible for the management of asset liability ratio, financial management, interest rate management, capital construction and fixed assets management of the whole bank

4. The capital operation Department is responsible for managing the RMB capital position of the whole bank, balancing, dispatching and financing. Including undertaking RMB fund management of the whole bank

Personal financial business department is responsible for the unified development and management of personal financial business, including domestic and foreign currency savings business, personal intermediary agency business, personal financial business and consumer credit business

extended data

responsibilities of various banks

banks are one of the financial institutions. Banks are divided into central bank, policy bank, commercial bank, investment bank and world bank according to their types, and their responsibilities are different

Central bank: the people's Bank of China is the Central Bank of China. Responsibilities: special financial institutions that implement monetary policy, carry out macro-control of the national economy, and supervise and manage financial institutions and even the financial instry

responsibilities of policy banks: non-profit financial institutions that participate in or guarantee shares, specifically to implement and cooperate with the government's social and economic policies or intentions, directly or indirectly engage in policy financing activities in specific business areas, and act as a tool for the government to develop economy, promote social progress and carry out macroeconomic management

responsibilities of commercial banks: financial institutions that undertake credit intermediary through deposit, loan, exchange, savings and other businesses. Commercial bank is one of the most important financial institutions. Its main business scope includes absorbing public deposits, issuing loans and handling bill discount

9. How to handle the debit card of Minsheng Bank:
you can handle the debit card through any business outlet or MIT machine of our bank, or make an appointment through mobile banking, personal online banking or wechat Bank of our bank. Real time card issuing / post card issuing can be selected through outlets; The card is issued in real time through MIT machine
1. Outlets and MIT machines: you need to carry your valid ID card, either with media card or without media card
2. After the successful appointment of mobile banking / online banking / wechat, you need to bring your valid ID card and mobile phone to the counter for card collection and activation
operation steps of mobile banking: home page → all applications → online account opening → debit card booking
operation steps of personal online banking: account → online card application → appointment to open an account
operation steps of wechat Bank: wechat Finance - I want to open an account
warm tips:
* only one class I account can be opened. If there is a class I account, only one class II account can be opened as a debit card< In principle, the number of debit cards opened by class I and class II accounts should not exceed 4, except for social security card, medical insurance card, military security card and closed debit card. If there is a legitimate reason to exceed the above limit, we will handle it after verification.