Double 12 digital currency
Digital RMB is definitely a hot word this year, with a bit of mystery and depth. I believe that even today, there are still many people who do not understand, what is digital RMB? What are you doing here? How to use it
finally, this year's double 12, that is, December 12, Suzhou will issue red envelopes to Suzhou citizens through digital wallet. Compared with the red envelopes issued in Shenzhen before, Suzhou will add the offline touch function this time. Suzhou friends should not miss it
the cake of mobile payment is very big. When the government also wants to cut a big piece, the advantage is obvious
Analysis of the development status and Prospect of science and technology financial services in 2018 the prospect of robot instry is optimistic, and the trend of intelligent development in the field of integrated finance
analysis of the development status of science and technology financial instry in 2018
to say the 2018 of science and technology finance, the old saying applies: This is the best era, but also the worst era. With the continuous explosion of P2P, bitcoin has gone up less and down more, making people panic
, but double eleven is still breaking the record. In the market, the jitter is playing a lot of attention to the five rings. Robots are in the stock market... Nothing can stop what they want to change the world. In 2018, enterprises will continue to make unique moves, and new technologies will breed new money. It's not easy to survive. Business goes on
This year, the State Council issued a number of policies to ease the financing problems of small and micro enterprises. The new rules will be implemented in September, and the interest of loans to small and micro enterprises will be exempted from VAT until the end of 2020. Instry insiders expect that assistance to small and micro enterprises will become the focus of financial policy. Internet finance is also changing the payment, risk management and other aspects of traditional finance, introcing big data to rece the cost of credit reference and lending, and using high-tech means to remove the financing obstacles of small and micro enterprisesit is estimated that China's financial technology revenue will exceed 1.4 trillion in 2019.
according to the statistical data of analysis report on in-depth research and investment strategic planning of China's science and technology financial services published by prospective instry research institute, China's financial technology revenue in 2013 was only 69.51 billion yuan. In 2014, China's financial technology revenue exceeded 100 billion yuan. In 2016, China's financial technology revenue increased to 421.38 billion yuan, up 42% year on year. As of 2017, China's financial technology revenue has reached 654.14 billion yuan, a year-on-year increase of 55.2%. It is estimated that China's financial technology revenue will reach 969.88 billion yuan in 2018. At present, financial technology serves financial institutions and is more inclined to the back end of the actual financial business, which is not the most profitable link in the financial instry chain. Therefore, it is difficult for the scale of financial technology revenue to usher in explosive growth in a short period of time, or it will continue to maintain such a stable growth rate. It is predicted that the scale of China's financial technology revenue will reach 1970.49 billion yuan in 2020
2013-2020 China's financial technology revenue scale statistics and growth forecast
data source: the Research Institute of prospective instry collated
1, the leader of listed green channel preference
the national "two sessions" hot IPO green channel, from March, A-share green channel focused on high-tech giants. The regulatory authorities give guidance to the securities companies. If there are "leaders" in the four instries including biotechnology and cloud computing, they immediately report to the issuance department and "immediately report and review"
A shares have been calling for "the next batj" for a long time, and Xinhua news agency even issued an article saying that "the dream of" batj "in China's capital market should come true!" At the beginning of 2018, the intensive actions of the regulators reflected their strong support for emerging enterprises. On February 9, the Shenzhen Stock Exchange issued a strategy to strengthen its services to these large technology companies and strive to attract a number of high-quality enterprises
as we all know, bat and other well-known technology enterprises are mostly listed overseas. In order to retain high-quality enterprises, it is also necessary for the regulators to open a green channel for high-quality enterprises. Let the shareholders hold the stocks of high-quality listed companies for a long time, and the market returns to value investment. They have high expectations
At the beginning of this year, Japan's coincheck Exchange suspended the trading of all cryptocurrencies except bitcoin, because hackers attacked 260000 users and stole NEM, a new digital token, with a loss value of about US $530 million. This is the biggest theft in the history of digital currency. After that, Japan's 16 cryptocurrency exchanges set up a self-regulation group to self inspect the system for loopholes. The loss is e to the security risk of the exchange's digital cryptocurrency trading system, which has nothing to do with whether the digital currency is encrypted or notin April this year, there was another incredible hacker operation in which a line of code evaporated 6.4 billion yuan. The hacker found a code vulnerability, and the whole market value of the blockchain procts related to it was instantly transferred out, approaching zero
the only credentials for users to hold bitcoin cryptocurrency are digital address and key, so it is difficult to actually track the holder of cryptocurrency and its location. Because of the anonymity and convenience of cryptocurrency, it is difficult to find, track and recover the transaction process, which makes many illegal acts (such as blackmail, fraud, drug trafficking, gun trafficking, etc.) choose cryptocurrency as the transaction currency
generally speaking, thieves find money launderers through anonymous networks, pour "black money" into the latter's address, and provide several clean addresses to money launderers. Money launderers pay close attention all the time. Once they find a clean address transaction, they transfer a small amount of "black money" to it. In this way, the ants move, the "black money" wash white
3. In the first half of the year, blockchain currency was hot and cold, and in the second half of the year, blockchain currency was falling all the way down. Disillusioned dream, salary cut, talent out
at the end of 2016, the total market value of global digital currency was only US $17.7 billion. On January 8, 2018, the total market value reached 813.9 billion US dollars. At the end of November, it fell below $140 billion. Bitcoin dropped from $20000 to $3000. Some coins fell from five to one cent. Some celebrities who once had great ambitions and looked like special currency also withdrew from the currency circle
some people in the instry commented: in the first half of the year, most people wanted to issue a coin quickly. There were a lot of exchanges, we media and mines around the project, but they didn't create much value. Such a bubble burst is inevitable. p>
unlike the coin ring, the chain ring is relatively stable. The Ministry of instry and information technology released the first official White Paper on blockchain instry in China in late May. It is expected that blockchain applications will speed up the implementation, promote a new round of business model reform, rece costs and improve efficiency for the real economy, and build an honest instrial environment. Some observers said that the release of the white paper indicates a promising prospect for blockchain to serve the real economy
according to the white paper of MIIT, blockchain will be widely implemented in the real economy in the next three years; Blockchain will accelerate the process of "credible digitization" and drive finance to "move from virtual to real" to serve the real economy. It is also expected that the blockchain supervision and standard system will be further improved, and the instrial development foundation will continue to be consolidated
according to the white paper on blockchain issued by the Ministry of instry and information technology, as of the end of March 2018, 456 companies in China are mainly engaged in blockchain business. The number of instry application service companies is the largest, with 86 companies mainly providing financial instry application services and 109 companies mainly providing real instry application services. In addition, there are more than 40 related companies in blockchain solutions, underlying platforms, blockchain media and communities
some people in the instry said that the large-scale application of blockchain will first appear in the Internet and financial instry concentration areas, such as Shanghai, Beijing and other cities, and also in the leading enterprises, such as Foxconn in Shenzhen, chain home in Beijing, etc., which is almost impossible to appear in small and micro enterprises, especially start-ups
4, Taobao, and Taobao, which are not active in the October, has been broken by 200 million active users in the domestic market. p>
all the major Internet giants have entered the market. According to incomplete statistics, around the commercial layout of short video, the amount of financing has exceeded 30 billion yuan. Tiktok has seen a wave of advertisements. Last year tiktok and brand collaboration launched video advertising is a commercial exploration. More important is the diversion of e-commerce. Jitter selection and Ali tiktok cooperation are all in the process of facilitating the transaction. P>
double 12 day ago, before the announcement of the trembling sound tiktok opened to the big V, the more active shopping real estate name authentication account was eligible for opening. The shopping cart button in the jitter will click out and jump out of the tiktok and go to Taobao. Tiktok joined Taobao in the tiktok business. This move has attracted much attention. Insiders believe that the jitter has been striding towards the upgrading of consumption. P>
commented that the ability to earn money from shaking would probably exceed the tiktok today. It has also been pointed out that the information flow of the voice can now reach 10 billion yuan a year, tiktok. P>
tiktok, the short video platform also has a layout in the electronic business platform. It is estimated that the entertainment content marketing will exceed 28 billion yuan in 2018, and the short video advertising volume is expected to exceed 40 billion yuan. p>
5. The supervision of online lending is becoming increasingly strict
running away, closing down, difficulty in cash withdrawal... A long list of P2P institutions is shocking. In the first half of the year, the collapse of 10 billion level P2P platform was frequently heard. Just take July as an example:
on July 9, father Qian announced the suspension of operation, and the accumulated trading volume of the platform exceeded 32.5 billion yuan; At the same time, Duoo financial announced that the company had lost control; On the 14th, "toujia" platform exploded; On July 7, the controller of yinpiao.com surrendered, with a total turnover of 14 billion yuan and more than 690000 users. In July, Hangzhou Public Security Bureau also put on file and investigated the cases of youmi finance, niubanjin, Hangzhou cloud finance and other companies suspected of illegally absorbing public deposits...
P2P network lending quickly occupied a seat in the Internet financial market with low threshold, high income, convenient and flexible operation as its selling points. In recent years, the rapid development of P2P online lending instry, after the blowout period, followed by the collapse and loss of contact
The collapse of online lending platform may be affected by the environment; More importantly, some platforms act as credit intermediaries in violation of regulations, leading to increased risksP2P has become a dangerous label, and illegal Internet finance has evolved into a major financial risk. National P2P network loan instry has to self-discipline inspection. Self discipline organizations of local Internet Finance associations in 12 provinces and cities, including Shenzhen, Hangzhou, Beijing, Guangzhou and Shanghai, have issued guidelines or regulatory documents on the withdrawal of online lending information intermediaries. CICC reports that only one in ten operating platforms is expected to survive. However, most of the P2P online lending platform business is still not up to standard, and quite a few platforms have not yet completed the bank deposit, that is, there is the possibility of fund pool and misappropriation
since the emergence of P2P in 2012, to the barbaric growth, and then to the instry reshuffle, the instry has gone through a complete cycle of ups and downs. In particular, in the past two years, a series of regulatory norms have been issued, accelerating the reshuffle of the instry. As a key business type, the completion time of stock risk resolution in P2P online lending and online small loan will be extended to June 2019
The people's Bank of China issued a notice in May to strictly control app access to the credit reference system. The central bank required: "strictly authorized inquiry mechanism, unauthorized inquiry of credit report is strictly prohibited, the inquiry process of internal personnel and state organs is standardized, and unauthorized app access to credit system is strictly prohibited."you don't have to run to the bank to wait in line, just download an app on your mobile phone, input your personal information, you can query your personal credit information, and issue a report within 24 hours... Many mobile apps are really convenient, but there are serious information security risks behind them. The whole process for users is completed on the app, but in essence, the app uses the information provided by users in the credit reference center
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