Decentralization of science and technology finance into credit s

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"
with the diversification of network service forms, the decentralized network model becomes more and more clear and possible. After the rise of Web2.0, the services provided by Wikipedia, Flickr, blogger and other network service providers are decentralized. Any participant can submit content, and Internet users can create or contribute content together
decentralization is a phenomenon or structure, which can only appear or exist in a system with many nodes or in a group with many indivials-- Cloud financial services for you

2. The decentralization of blockchain refers to the form of social relations and content generation formed in the process of blockchain development. It is a new network content proction process relative to "centralization"
blockchain is an important concept of bitcoin. It is essentially a decentralized database. At the same time, as the underlying technology of bitcoin, it is a series of data blocks generated by using cryptographic methods. Each data block contains a batch of bitcoin network transaction information, which is used to verify the effectiveness of its information (anti-counterfeiting) and generate the next block
blockchain is unified in the whole network, so it is logically centralized. From the perspective of architecture, blockchain is based on peer-to-peer network, so it is decentralized. From the perspective of governance, blockchain makes it difficult for a few people to control the whole system through consensus algorithm, so it is decentralized.

3. 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!

4.

The main differences between financial technology and science and technology finance are as follows:

first, the core components are different

the technologies involved in financial technology are characterized by fast update and iteration, cross-border and mixed operation, which is the superposition and integration of Frontier disruptive technologies such as big data, artificial intelligence, blockchain technology and traditional financial business and scene. It mainly includes four core parts: big data finance, artificial intelligence finance, blockchain finance and quantitative finance

Science and technology finance is an important part of national science and technology innovation system and financial system, which is composed of government, enterprise, market, social intermediary and their behavior activities in the process of science and technology innovation financing

Second, different ways of operation

financial technology mainly uses artificial intelligence technology to deal with problems in the financial field, including stock price prediction, evaluation of consumer behavior and willingness to pay, credit scoring, intelligent investment advisor and chat robot, insurance underwriting and claims settlement, risk management and stress testing, financial supervision and identification monitoring, etc

there are two traditional channels of science and technology finance, one is government funds to establish funds or master funds to guide private capital into science and technology enterprises, the other is diversified equity financing channels of science and technology enterprises. It includes government support, technology loan, technology guarantee, equity investment, multi-level capital market, technology insurance and technology leasing

extended data :

the basic composition of financial technology:

the technology involved in financial technology has the characteristics of fast update and iteration, cross-border and mixed operation, which is the superposition and integration of Frontier disruptive technologies such as big data, artificial intelligence, blockchain technology and traditional financial business and scene. It mainly includes four core parts: big data finance, artificial intelligence finance, blockchain finance and quantitative finance

big data finance focuses on the acquisition, storage, processing, analysis and visualization of financial big data. Generally speaking, financial big data and core technologies include basic layer, data storage and management layer, computing layer, data analysis and visualization layer

The

data analysis and visualization layer is mainly responsible for simple data analysis, advanced data analysis (overlapping with artificial intelligence) and visual display of corresponding analysis results. Big data finance is often committed to the use of Internet technology and information communication technology to explore new financial business models of financing, payment, investment and information intermediary

AI finance mainly uses AI technology to deal with problems in the financial field, including stock price prediction, evaluation of consumer behavior and willingness to pay, credit scoring, intelligent investment advisor and chat robot, insurance underwriting and claims, risk management and stress testing, financial supervision and identification monitoring, etc

5. "The supervision of online lending should make full use of the supervision means of science and technology supervision, and use digital technology to carry out financial business. In the supervision, we must also use digital supervision, use technology supervision, or supervision technology to realize the supervision of digital finance." This is one of the six principles of network supervision that Li Junfeng, director of the Inclusive Finance Department of the CBRC, talked about at the forum of the China Internet Finance Association on the 28th
Li Junfeng further said that to apply regulatory technology to regulate financial technology, a multi-dimensional regulatory technology system is being constructed, including the credit system of instry associations, the construction of regulatory information system, the construction of Internet financial information technology platform of relevant national departments, and the application of regulatory technology, Using big data to supervise digital Inclusive Finance
as for the principle of online lending supervision subject, Li Junfeng thinks that the basic strategy of collaborative supervision should be adhered to in the responsibility of supervision subject. The core of collaborative supervision is to give full consideration to the particularity of the subject of online loan supervision. It is not only an Internet instry, but also a financial business. Therefore, it is necessary to adhere to collaborative supervision. At the central level, at the central and local levels, it is necessary to implement collaborative supervision with clear responsibilities and multi functions and multi conditions, including government departments and technical departments, We should carry out multi-directional and three-dimensional supervision
as for the principle of online lending supervision, Li Junfeng thinks that we should focus on the basic way of behavior supervision, and more on the behavior supervision ring and after the event. He explained that the core of behavior supervision is to require the market subject to return to the original attribute and origin of the institution. According to the business operation and business behavior, it should be operated under the regulatory rules.

6. Bank credit is the credit provided by banks or other financial institutions in the form of money. Bank credit is an indirect credit developed on the basis of commercial credit with the emergence of modern capitalist banks
the characteristics of bank credit are as follows: (1) what bank credit lends is social funds. It comes from the temporary idle funds released in the process of reproction and the temporary idle money in the income of residents and various departments. As the concentration of lenders, banks can gather a huge amount of loanable funds by concentrating all kinds of idle funds. ② Bank credit is provided in the form of money. Compared with commercial credit, providing credit has no limitation in direction, and can be provided to upstream and downstream enterprises. ③ The Monetary Fund provided by bank credit has no limitation in term; There are long-term idle funds and short-term idle funds absorbed by banks, and there are long-term loans and short-term loans extended by banks. And bank credit has flexibility in adjusting the term of funds, long-term sources of funds can be used to issue short-term loans, absorbed short-term funds can also be extended for long-term use of funds
as mentioned above, e to the advantages of bank credit in scale, scope and term, it still accounts for a large proportion of credit forms in modern economy.