Student Leyte coin
First of all, all parties need to establish a multi signature wallet (more than one signature is needed for transaction). This wallet has some bitcoin in it. Then the wallet address is saved in the bitcoin blockchain. In this way, payment channels are established. Both parties can now conct an unlimited number of transactions without touching the information stored on the blockchain. For each transaction, both parties sign an updated balance sheet to always reflect the ownership of bitcoin stored in the wallet and the number of each transaction
after both parties complete the transaction and close the channel, the balance generated will be recorded on the blockchain. In the event of a debt dispute, both parties can use the recently signed balance sheet to recover their share of the wallet. There is no need to establish a direct channel for flash trading, users can send payment to someone through the channel of the person they have contact with. The network will automatically find the fastest trading channel
with the adoption of segwit in bitcoin and lightcoin networks, the development of this technology has been greatly promoted. Because if there is no upgraded transaction scalability patch, the transaction risk on the lightning network will be too large to implement. Without the blockchain security behind it, lightning network will not be so secure, which means that it will be widely used in small or even micro transactions with less risk
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< br />
bus line: No.53, the whole journey is about 16.8km
1. Walk about 100m from Chashan School of Wenzhou Medical University to the Medical College Station
2. Take No.53, pass 30 stops, and reach the passenger transport center station
3. Walk about 190m to Wenzhou passenger transport center
2
In August 2014, the University of science and technology of China's new Alumni Foundation and the youth class Alumni Association jointly completed and released a survey of alumni professors in the youth class of University of science and technology of China. The survey shows that since the founding of the youth class of University of science and technology of China, more than 212 professors have been cultivated. Compared with before 2005, the proportion of "youth class professors" at home and abroad is higher, It has changed from "great contrast" to "extremely close"
Nowadays, this change is still going on, and more and more junior students choose to return. Among them, there are not only academic talents, but also enterprise elites in various instries"now the situation is different, and the number of people who stay in China for development and return home after study is increasing." Pang Huadong, who resigned from all his ties on Wall Street and returned home to start a business, said that the year he returned home to start a business has brought back his long lost enthusiasm
Chapter 4
Pang Huadong
students of grade 95 junior class of University of science and technology of China. The picture provided by the interviewee
because the students in the junior class are younger, their self-care ability is weak, and they are under great learning pressure, many students, like Pang Huadong, do not pay attention to the details of life. In the first semester, Pang Huadong didn't have a haircut, and his clothes couldn't be cleaned. When he came home ring the winter vacation, his parents were shocked by his appearance“ Long hair, ragged and dirty clothes, like a beggar. " Pang Huadong couldn't help laughing when he told Red Star news about this
through one year's adaptation, the students in the junior class found their own research directions. The University of science and technology is very free to choose a major, and students can change it at any time if they don't get used to it. Pang Huadong has been to biology department and computer department, but finally returned to his favorite mathematics department. A large part of the reason for learning mathematics is that he has to find self-confidence in the strong young class. Pang Huadong won the first place in the 5th mathematics competition of China University of science and technology. He regained his confidence“ At that time, I thought that I could finally get the first place in one subject. " Pang Huadong said
it's a trend to start a business in China
in 1999, Pang applied for the master's degree in the University of science and technology of China before he graated from the University of science and technology. Then he went on to study for a doctorate and went abroad for further study, and made enviable achievements in research and work
in 2017, Pang Huadong was elected as the new chairman of the Council of the Alumni Foundation of University of science and technology of China, so he had to find time to take care of Alumni Affairs. In Pang Huadong's view, this work can reach tens of thousands of alumni of China University of science and technology, guide younger students and younger students, and at the same time, open up new horizons and new ideas“ Alumni are involved in all walks of life. I don't have any strange fields now. Even if I have, I'll get it by calling my alumni. "
Pang Huadong said that according to his observation, most of the more than 1700 students who graated from the junior class set foot in more cutting-edge majors. Even if they did not engage in research, those who returned home to start their own businesses were also in the fields of Internet, artificial intelligence, bitcoin, blockchain and so on
he said that in the past, ecation in China was relatively backward, so most of the students in the junior class chose to go abroad for further study. Now the situation has changed, and the number of students who stay in China for development and return home is increasing
in the year of returning home to start a business, Pang Huadong said that he had recovered his long lost enthusiasm and was excited every day. He said that he is now in a "gale". Like the arrival of the Internet era, he believes that a new era of blockchain will soon come, "I have to seize it."
for those who apply through the counter, it generally takes 10 working days from the receipt of your application materials by the audit department to the completion of the credit card audit. After the approval, we will make a card for you within 2 working days, and then send it to you by registered mail according to the billing address. Generally, the delivery time of registered mail is within 15 days
if we make an online / mobile appointment registration, we need 7 working days for the preliminary examination. If we pass the preliminary examination, there are three cases: 1. The Commissioner will contact you by phone within 4 working days to arrange the door-to-door card application; 2. Send a short message to you, so that you can go to any CMB branch to apply for face-to-face signature within 30 days, and then issue the card after the face-to-face signature is passed; 3. The card will be issued to you first, and then you can go to any CMB for face-to-face signature within 60 days to activate the card.
at present, the well-known digital currencies in the market include bitcoin, Ruitai coin, Qianjin card, Laite coin, Weimeng coin, etc.
that is, peer-to-peer lending, or peer-to-peer credit, refers to a new business operation mode in which social subjects use the network platform of intermediary agencies to lend their funds to those who are short of funds. It is the result of the development of private lending from "offline" to "online", and the embodiment of citizens' exercise of their property rights. With the development of network technology, the restriction of formal financing channels, the deconstruction of acquaintance society, the increasing inflation rate, the restriction of investment mode, and the continuous improvement of personal credit system, P2P network lending has been promoted< The characteristics of online loan investment are as follows:
1
in addition to the minimum investment of RMB 10000 required by lufax, the investment threshold of most online lending platforms is as low as RMB 50. Compared with the high threshold of trust and bank financial procts, online loan investment is a low threshold public financial proct, suitable for investors from all walks of life
2. The investment income is stable
as a loan proct with agreed interest rate, the return of online loan investment is relatively stable. Referring to the five-year lending interest rate level of China's online loan, on average, the overall yield level is about 20%. Of course, recently, with the emergence of new platforms with more marketing activities, the overall yield level has a rising trend. And the interest rate level of the mainstream online lending platform is steady and falling
3. The investment period can be planned freely
for online loan investment, you can choose the investment period according to your own needs and the actual situation in the future, and many platforms also allow investors to borrow money on the platform with unexpired investment as guarantee, so as to meet the unpredictable capital demand. This allows the liquidity of online loan investment to be released. Investors can not only refer to the future capital demand to choose the investment period, but also borrow money on the platform to withdraw cash quickly. To meet the needs of all kinds of funds
in real life
4. System risk is the main risk of online loan investment
as the network form of private lending, the credit risk is the main risk, that is, if the borrower does not pay back the money, then the investor may lose the principal. However, in China, many online loan platforms, as fund intermediaries, play the role of guarantors. If the borrower fails to repay on time, then the online loan platform will advance the principal or principal and interest, which allows investors to avoid the credit risk of the borrower's overe repayment, and all the risk lies in the reliability of the online loan platform itself, Whether the platform itself can bear the pressure of overe. As long as the platform is
there is no risk of investors losing their principal
under the background that inflation remains the same, the economic situation is complex, and there are few investment channels for investors to make money, the advantages of online loan investment appear
first of all, compared with the depressed Chinese stock market, the depressed open-end funds and various private equity procts, as well as the low-yield savings and banking procts that cannot be separated from CPI, the return rate of online loan investment is stable and remains at a high level
secondly, the liquidity of online loan investment can be enhanced through reasonable planning, and its liquidity is much stronger than trust procts with many similarities. In some platforms where net worth loans can be made, the withdrawal application is made in the morning, and the funds can reach the bank card of investors at noon or afternoon. The actual liquidity is stronger than that of monetary funds
thirdly, the lowest investment threshold enables everyone to enjoy the investment income, which most other investment tools, especially high threshold trust and bank financial procts, can not achieve
Fourth, compared with margin trading procts such as futures, the risk of online loan investment is moderate, and through diversification of investment, the risk is completely within the range of ordinary people
finally, the demand for investors is low. Online loan investment does not need too much investment technology and experience. When most of the platforms are breakeven, you only need to choose a safe investment platform to achieve stable income. And some platforms have automatic bidding function, which can automatically bid without online setting. It is suitable for investors who have no time to surf the Internet
[online lending platform is an emerging stage in China, which has just begun. Be careful not to be cheated! Without the protection of laws and regulations, it's difficult to protect the rights and interests of financial managers, so we should be careful, careful, careful, careful, careful, careful!]
I'd like to recommend some articles on preventing being cheated! Learn more, this instry after a period of painful struggle to have a high return< First, the status quo of P2P network lending
P2P
Network lending has developed rapidly since it was born in China in 2005, showing the development trend of doubling the number of business entities, expanding the scope, expanding the scale of funds and increasing the number of participants. According to the existing P2P
Network lending operation mode, it can be roughly divided into three categories: the first category, pure intermediary type. P2P network lending operators only act as the intermediary between the borrower and the lender, and are responsible for auditing the information of the borrower, but do not share the risk that the borrower cannot repay. The second type is compound intermediary type. The borrower and the operator share the risk, and the principal of the borrower is guaranteed. By strengthening the credit audit of borrowers, operators can ensure their timely repayment and rece their own
bad debt rate. The third is compound intermediary and public welfare. This kind of operators have special features in the main body of loans, mainly for college students, with the color of helping the poor< Second, there are five types of economic crimes in P2P network lending. P2P network lending has inherent "hard wounds" (such as unclear nature and lack of supervision). In addition, it has its own unique characteristics (strong concealment and wide range of involvement). This paper takes the economic crimes in the field of traditional private lending as an example, It makes people worry about whether P2P network lending will become another "disaster area" of economic crimes<
(1)
the subject orientation is not clear, wandering in the gray area. According to the measures for banning illegal financial institutions and illegal financial business activities, illegal financial business activities refer to financial activities such as illegally absorbing public deposits or absorbing public deposits in disguised form without the approval of the people's Bank of China. The first paragraph of article 174 of the criminal law stipulates the crime of establishing financial institutions without authorization. P2P online lending has not been approved by the relevant financial regulatory agencies. Although online lending does not have the nature of a commercial bank, most of the operating entities are responsible for managing the lender's funds by themselves. After reviewing the conditions of the lender, they lend out the funds. This behavior is similar to the savings lending business of a commercial bank, which inevitably leads to economic
criminal behavior, It may constitute the crime of establishing financial institutions without authorization< (2) the source of funds can not be verified, which facilitates the crime of money laundering. Article 191 of the criminal law stipulates the crime of money laundering, which requires that the behavior
person knows that his behavior is to cover up, conceal the source and nature of the illegal income of the crime, and intentionally do it for the benefit, and hopes that this result will happen. The cash flow of online lending circulates outside the bank capital supervision system and becomes a secret, safe and fast money laundering channel for criminals. However, P2P network lending operators only pay attention to the examination of the use of the borrower's funds, and can not verify the source of the lender's funds, so it is difficult to determine the subjective intention of the crime of money laundering,
therefore, the behavior of the operator and the lender can not be determined by the crime of money laundering< (3) the borrower's credit verification system is not perfect, and fraud crimes occur from time to time. Internet lending operators perform the function of borrowers' credit review, and the existing review content is mostly limited to personal identity information, work certificate, bank flow, fund use, contact information, etc., but the above information is easy to be forged in the network, and the information reviewer
does not have complete identification ability, which is likely to lead to borrowers relying on forged information, After defrauding the loan, he took the money and fled. At the same time, the network lending operators will also embezzle the funds of the lenders, resulting in the "empty house" and the interests of the investors can not be guaranteed< (4) it is easy to lead to stakeholder crime. Network lending involves many people, wide geographical scope, strong concealment, supervision vacuum, imperfect credit review and other characteristics, which provide a protective barrier for the stakeholder economic crimes such as illegal taking public deposits, fund-raising fraud, and increase the difficulty of the public security organs to investigate and crack down on crimes, which has great social harm. Without the approval of the competent authorities, it is a crime of illegally absorbing public deposits if the amount of funds absorbed from non-specific social
objects exceeds the legal interest rate. If the illegally raised funds are squandered, escaped, used for criminal purposes, etc., and have the purpose of illegal possession, it will constitute the crime of fraud< (5) the high rate of return on investment inces the high interest rate lending behavior. Article 175 of the criminal law stipulates the crime of usurious loan. Through negotiation, most of the interest rates finally established by both sides of online lending exceed
4 times of the loan interest rates of banks of the same level in the same period. High return on investment will inevitably ince people who are short of funds but want to be opportunistic to take credit funds from financial institutions, and then transfer the funds through the online lending platform for profit, which constitutes the crime of high interest transfer< Third, the prevention and Control Countermeasures of economic crimes in P2P network lending. Direct government regulation does not necessarily lead to better results than solving problems by market and enterprises. Therefore, we should regulate the private lending behavior through legal means rather than rough administrative intervention, give full play to the regulatory role of the market, and try to
rece the excessive interference of public power in the operation of private rights, so as to make it find a suitable way for its own development< (2) accelerate the formulation and improvement of relevant laws and regulations. Through the formulation of "Regulations on money lenders" and "measures for the management of online lending", the nature, status, organizational form, regulatory body, operation specification, entry and exit mechanism of online lending are specified to guide the instry to develop in a healthy and orderly direction
at the same time, it can also provide judgment basis for law enforcement agencies, so that there are laws to abide by and the abuse of administrative power can be avoided. At the same time, we should amend the current law, point out the boundary between crime and non crime of private financing behavior, and make clear the focus of attack< (3)
establish an effective user identification mechanism. Accurate verification of the user's personal information is a necessary prerequisite for online lending to become bigger and stronger. Internet lending operators should fulfill the corresponding social responsibility and undertake the obligation to prevent illegal
criminal activities within the scope of their ability. Accurately verify the user's identity information, source of funds, purpose of borrowing, social relations, credit records, interest rate level and repayment situation, and timely report to relevant functional departments in case of any abnormal situation< (4) strengthen the construction of network security. In the process of online lending, the privacy of users will be involved, and the property rights and interests of indivials will be involved. Therefore, it is necessary to improve the confidentiality technology of
customer data in online lending, so as to ensure the security of personal information involved in the transaction process