Advantages of investing in new virtual currency

Background: the financial application of blockchain technology brings high investment value

2018 China international big data instry Expo opened in Guiyang City, Guizhou Province on the 26th. At the meeting, it was pointed out that China will vigorously develop the digital economy in the future, deeply implement the action plan for the development of big data and cloud computing, and deeply study blockchain technology and application. Especially in the field of finance, the landing application has become the focus of the scientific and financial circles

1. The value source of blockchain is that it can perfectly solve the pain points of the current financial instry:

in today's asset securitization, insurance, supply chain finance, commodity trading, asset custody and other financial scenarios, e to many participants, high cost of credit evaluation, low settlement efficiency of intermediary institutions and other reasons, Traditional financial service methods are difficult to effectively solve the long-standing core pain points in the instry, such as information asymmetry, complex and rendant processes, and high information verification cost

2. Why can blockchain solve the above pain points:

blockchain technology integrates many basic technologies, such as distributed accounting, tamper proof, built-in contract, etc., and constructs a trust building mechanism with lower cost. The financial application based on blockchain technology can realize the ability of all market participants to obtain all transaction information and asset ownership records in the market without discrimination, and effectively solve the problem of information asymmetry; Smart contract embedding reces the error rate of payment and settlement, simplifies the process and improves efficiency; At the same time, based on transparent information and brand-new trust mechanism, there is no need to spend manpower, material resources and financial resources to confirm information among participants, which will greatly rece the trust cost between institutions, and then rece the price of financial services and transaction costs

3. The application of blockchain technology in the financial field mainly includes the following aspects:

① digital currency

among which bitcoin is the most famous. On the basis of bitcoin, a large number of other types of decentralized digital currencies have been derived. Such as: the heyday of bits

③ digital bills

④ bank credit management: the advantage of blockchain is that it can rely on program algorithm to automatically record credit related information and store it on every computer in the blockchain network, with transparent information, tamper proof and low cost

4. The development prospect of blockchain. The future development of blockchain technology will have the most vitality with alliance chain as the entry point, and will have a significant effect and far-reaching impact on the transformation of traditional financial instry pain points

in response to the good investment prospects of blockchain, domestic enterprises such as Alibaba, Jingdong and Netcom have entered the market. The application of financial scenarios based on blockchain technology not only brings us security and convenience, but also provides us with broader investment space. The rise and price surge of digital currency represented by bitcoin (bitcoin was about RMB 20 cents when it was first listed in 2009, and its current price is about US $7300!) It's the best proof that people with a keen sense of smell have made a lot of money from it

bitcoin provides pseudonym transaction, realizes the one-to-one transaction relationship between sender and receiver, and can always record the transactions occurred in the whole network. Bitcoin only provides low-level privacy protection, which is well known in academia. Despite this deficiency, many people still believe in the transfer history recorded by blockchain

based on Nakamoto's achievements, bitshengshi is an encrypted digital currency with the purpose of protecting privacy. We have made a series of improvements on the basis of the concept of bitcoin, resulting in a decentralized cryptocurrency with good anonymity. It supports tamper proof real-time transactions, and has a point-to-point sub network that can provide service reward system for bitsheng network

2. Master node network

the whole node is the server running on the P2P network, so that small nodes can use them to accept the dynamic changes from the whole network. These all nodes need significant traffic and other resources that consume a lot of cost. Therefore, it will be observed that the number of these nodes on the bitcoin network presents a steady downward trend over a period of time, so that the block broadcast time needs an additional 40 seconds. In order to solve this problem, many solutions have been put forward, such as the introction of Microsoft Research's new incentive plan and bitnodes incentive plan

Figure 6: mining reward model

< EM > three investment and financial management modes for common people < / EM >

< EM >

1. Conservative customers: they can choose to invest in monetary funds. Since the end of last year, the income level of the monetary fund has suddenly increased. At the end of last year, China Securities Regulatory Commission relaxed the restrictions on the proportion of agreed deposits of the monetary fund, which enabled the monetary fund to gather the funds of ordinary investors to negotiate with the banks for agreed deposits, and the return was naturally more ideal. For the choice of Monetary Fund, investors should "first look at the scale, then the old and the new". Large scale monetary funds have more room to deal with liquidity shocks, and investment income will not be diluted rapidly. The old monetary funds generally operate more mature and have stronger bargaining power in negotiating deposits with banks

< EM > 2. Stable clients: they can choose bond funds. The main investment direction of bond funds is interest rate varieties and credit varieties. Since the end of the third quarter of last year, there has been a wave of bull market in the bond market. The main performance is that the yield curve has moved down e to the influence of loose capital. However, the yield of credit procts, especially those with medium and low ratings, has not decreased significantly. In the future, with the improvement of credit environment, the credit spread of medium and low rating varieties will graally narrow, and then generate capital gains. Stable customers can choose the bond fund with a higher proportion of credit varieties

< EM > 3. Active customers: they can choose the combination of stock and debt financing scheme. On the one hand, according to the customer's subjective risk preference and objective risk tolerance to match, that is, in strict accordance with the customer's risk rating for asset allocation; On the other hand, the downside risk should be strictly controlled. Due to the real allocation of large types of assets, the correlation coefficient between various types of assets is very low, some even negative, so it can realize diversified investment and diversify investment risk

< EM > if you have detailed investment and financial management, you can continue to ask. If it helps you, please take it. Thank you

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