What are the ways of bank decentralization
Publish: 2021-04-22 00:31:50
1. Decentralization is a form of social relations and content proction formed in the development of the Internet. It is a new type of network content proction process relative to "centralization"
compared with the early Internet (WEB 1.0) era, Web 2.0 content is no longer proced by professional websites or specific groups, but the result of participation and creation by all Internet users with equal rights. Anyone can express their views on the Internet or create original content to proce information together
with the diversification of network service forms, the decentralized network model becomes more and more clear and possible. After the rise of Web 2.0, the services provided by Wikipedia, Flickr, blogger and other network service providers are decentralized. Any participant can submit content, and Internet users can co create or contribute content
with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 become more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, makes it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified.
compared with the early Internet (WEB 1.0) era, Web 2.0 content is no longer proced by professional websites or specific groups, but the result of participation and creation by all Internet users with equal rights. Anyone can express their views on the Internet or create original content to proce information together
with the diversification of network service forms, the decentralized network model becomes more and more clear and possible. After the rise of Web 2.0, the services provided by Wikipedia, Flickr, blogger and other network service providers are decentralized. Any participant can submit content, and Internet users can co create or contribute content
with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 become more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, makes it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified.
2. 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"
compared with the early Internet (WEB 1.0) era, today's Internet (Web 2.0) content is no longer proced by professional websites or specific groups of people, but is the result of the joint participation and equal power of all Internet users. Anyone can express their views or create original content on the Internet to proce information together
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
since then, with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 have become more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, has made it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified
from the perspective of astronomy, decentralization refers to the fact that the universe has no center, that is, a boundless mass without a central point.
compared with the early Internet (WEB 1.0) era, today's Internet (Web 2.0) content is no longer proced by professional websites or specific groups of people, but is the result of the joint participation and equal power of all Internet users. Anyone can express their views or create original content on the Internet to proce information together
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
since then, with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 have become more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, has made it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified
from the perspective of astronomy, decentralization refers to the fact that the universe has no center, that is, a boundless mass without a central point.
3. Decentralization is a phenomenon or structure, which can only appear in a system with many users or nodes, and each user can connect and influence other nodes. Generally speaking, everyone is the center, and everyone can connect and influence other nodes. This flat, open-source and equal phenomenon or structure is called "decentralization"< Br > at the same time, "decentralization" is one of the typical features of blockchain, which uses distributed storage and computing power. The rights and obligations of the whole network nodes are the same, and the data in the system is jointly maintained by the whole network nodes, so that the blockchain no longer relies on the central processing node to realize the distributed storage, recording and updating of data. Each blockchain follows a unified rule, which is based on a cryptographic algorithm rather than a credit certificate, and the data update process needs to be approved by the user, so that the blockchain does not need the endorsement of intermediaries and trust institutions< The characteristics of br> de centralization:
centralization is first reflected in diversification. In the Internet world, there are no more than several portals has the final say. Various websites have begun to voice their own voice, express different choices and different hobbies, and these websites are distributed in every corner of the Internet world. Br > decentralisation is followed by the centralization of people, and decentralisation of content has become a trend, and people have become the key force to determine the survival of websites. It's a great change to build a website with indivials who lack interaction to gather talents and contribute their wisdom in the form of a circle. That is user-oriented, humanized< < br > decentralized content: < br > decentralization is the form of social relationship and content generation formed in the development of the Internet, which is a new network content proction process relative to "centralization"< Br > compared with the early Internet (Web1.0) era, today's Web (Web2.0) content is no longer proced by professional websites or specific groups of people, but is created by all Internet users with equal rights. Anyone can express their views or create original content on the Internet to proce information together< Br > with the diversification of network service forms, the decentralized network model is becoming clearer and more 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< After that, with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 became more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, made it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified.
centralization is first reflected in diversification. In the Internet world, there are no more than several portals has the final say. Various websites have begun to voice their own voice, express different choices and different hobbies, and these websites are distributed in every corner of the Internet world. Br > decentralisation is followed by the centralization of people, and decentralisation of content has become a trend, and people have become the key force to determine the survival of websites. It's a great change to build a website with indivials who lack interaction to gather talents and contribute their wisdom in the form of a circle. That is user-oriented, humanized< < br > decentralized content: < br > decentralization is the form of social relationship and content generation formed in the development of the Internet, which is a new network content proction process relative to "centralization"< Br > compared with the early Internet (Web1.0) era, today's Web (Web2.0) content is no longer proced by professional websites or specific groups of people, but is created by all Internet users with equal rights. Anyone can express their views or create original content on the Internet to proce information together< Br > with the diversification of network service forms, the decentralized network model is becoming clearer and more 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< After that, with the emergence of more simple and easy-to-use decentralized network services, the characteristics of Web2.0 became more and more obvious. For example, the birth of services more suitable for ordinary Internet users, such as twitter and Facebook, made it easier and more diversified to proce or contribute content to the Internet, thus enhancing the enthusiasm of Internet users to participate in the contribution and recing the threshold of procing content. Eventually, every netizen becomes a tiny and independent information provider, making the Internet more flat and content proction more diversified.
4. 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.
5.
According to the complexity of business and the degree of dependence on outlets, banking business can be divided into two parts: one is traditional business, including general loans, simple foreign exchange trading, trade financing, etc., which is mainly supported by a large number of branch networks and business volume. In addition, there are complex businesses, such as derivatives, structured financing, leasing, introcing strategic investors, mergers and acquisitions, etc. these businesses are not very dependent on the branch network, but are high-tech and high profit business areas
according to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediate business. Liability business is the business of commercial banks to form the source of funds, and is an important basis for intermediate business and assets of commercial banks. The liability business of commercial banks is mainly composed of deposit business, loan business and interbank business
liabilities are the debts which can be measured in currency and will be paid by assets or capital e to the bank's trust. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, inter-bank deposits, inter-bank deposits, borrowed or borrowed funds or bonds also constitute the liabilities of banks
asset business refers to the business in which commercial banks use funds, including loan business, securities investment business and cash asset business. Intermediate business refers to the business that does not constitute on balance sheet assets and on balance sheet liabilities of commercial banks, and forms non interest income of banks, including transaction business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business Commitment business, financial management business and e-banking business
extended data:
payment and settlement business
payment and settlement business refers to the charging business related to currency payment and fund transfer that commercial banks handle for customers e to creditor's rights and debts
(1) settlement tools. The main settlement tools used in settlement business include bank draft, commercial draft, bank promissory note and check Bank draft is a kind of bill issued by the issuing bank and paid unconditionally to the payee or holder according to the actual settlement amount at sight Commercial bill is a kind of bill issued by the drawer, which entrusts the payer to unconditionally pay a certain amount to the payee or the holder on a specified date. Commercial bills are divided into bank acceptance bills and commercial acceptance bills A bank promissory note is a bill issued by a bank that promises to pay a certain amount to the payee or the holder unconditionally at sight A check is a bill issued by the drawer and entrusted by the bank handling the check deposit business to unconditionally pay a certain amount to the payee or holder at sight (2) settlement methods, mainly including settlement in the same city and settlement in other places Remittance business is a settlement business in which the payer entrusts the bank to remit money to a foreign payee. Remittance settlement is divided into three forms: telegraphic transfer, letter transfer and bill transfer2. Collection business refers to a settlement method in which the creditor or the Seller issues a bill of exchange to the debtor or buyer in order to collect money from them and entrusts the bank to collect it on his behalf
L / C business is a written guarantee document issued by the bank to the beneficiary according to the requirements and instructions of the applicant, which contains a certain amount of money and pays at the designated place with the specified documents within a certain period of time (3) other payment and settlement business, including fund transfer and clearing realized by modern payment system, transfer realized by internal and external network of bank, etc6. There are two business models of commercial banks. One is the British model, commercial banks mainly finance short-term commercial funds, with the characteristics of short term loans and high liquidity. This business model is safe and reliable for banks. The other is German style, whose business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, they are engaged in investment banking business
China implements a separate business model. In order to adapt to the current characteristics of separate operation and the development trend of mixed operation in China, the sixth meeting of the Standing Committee of the Tenth National People's Congress passed the "on Amending the; Commercial Bank Law of the people's Republic of China; The decision of the government. The new "commercial bank law" has revised the relevant provisions of the original commercial bank law that mixed operation is not allowed, stipulating that "commercial banks shall not engage in trust investment and securities business within the territory of the people's Republic of China, and shall not invest in non self use real estate or non bank financial institutions and enterprises, unless otherwise stipulated by the state."
China implements a separate business model. In order to adapt to the current characteristics of separate operation and the development trend of mixed operation in China, the sixth meeting of the Standing Committee of the Tenth National People's Congress passed the "on Amending the; Commercial Bank Law of the people's Republic of China; The decision of the government. The new "commercial bank law" has revised the relevant provisions of the original commercial bank law that mixed operation is not allowed, stipulating that "commercial banks shall not engage in trust investment and securities business within the territory of the people's Republic of China, and shall not invest in non self use real estate or non bank financial institutions and enterprises, unless otherwise stipulated by the state."
7. Hello friends, the service items of commercial banks are divided into private and public services, among which the private services are divided into deposit service, withdrawal service, transfer and remittance service, personal loan, debit card issuance and management maintenance service, credit card or credit card issuance and management maintenance service, foreign exchange service, personal e-banking, convenience service, securities agency, asset promotion service Investment and financial services, high-end customer service area; Corporate services include: enterprise e-banking, deposit business, withdrawal business, transfer and remittance business, credit business, institutional business, international business, entrusted housing finance, capital clearing business, intermediary business, asset promotion and fund custody.
8. To provide the following financial services of CCB:
they are divided into private and public services, among which private services are divided into personal e-banking, deposit service, personal loan, long card credit card, long card service, foreign exchange service, convenience service, securities agency, asset promotion and high-end customer service area; Corporate services include: enterprise e-banking, deposit business, credit business, institutional business, international business, entrusted housing finance, capital clearing, intermediary business, asset promotion and fund custody.
they are divided into private and public services, among which private services are divided into personal e-banking, deposit service, personal loan, long card credit card, long card service, foreign exchange service, convenience service, securities agency, asset promotion and high-end customer service area; Corporate services include: enterprise e-banking, deposit business, credit business, institutional business, international business, entrusted housing finance, capital clearing, intermediary business, asset promotion and fund custody.
9. Traditional banks are mainly manual services, which can be used for dialogue. Online banking is convenient and can complete all kinds of tasks without leaving home.
10. What exactly do you think? Question by question, content by question
I don't want to answer from the content department. What are the differences in the characteristics and services of major banks, How should we choose
ICBC's first promotion of ICBC's online banking
CCB's zodiac card is good, but it's only good to charge for changing the card
ABC's Western Union remittance
Bank of China's outward business
payment convenience of BOCOM's Pacific card
postal service charge 0.5%
CMB seems to have more than 20 kinds of credit cards, but few of them can make a brand, except young card
China Merchants Bank The income of credit financing procts is the first in China, and the number of platinum cards issued is the first in China
the credit card of Shanghai Pudong Development Bank is better than its own business
I'm tired to death if I don't say anything else
I don't want to answer from the content department. What are the differences in the characteristics and services of major banks, How should we choose
ICBC's first promotion of ICBC's online banking
CCB's zodiac card is good, but it's only good to charge for changing the card
ABC's Western Union remittance
Bank of China's outward business
payment convenience of BOCOM's Pacific card
postal service charge 0.5%
CMB seems to have more than 20 kinds of credit cards, but few of them can make a brand, except young card
China Merchants Bank The income of credit financing procts is the first in China, and the number of platinum cards issued is the first in China
the credit card of Shanghai Pudong Development Bank is better than its own business
I'm tired to death if I don't say anything else
Hot content