区块链讲座心得体会3000字,区块链讲座心得体会

近日，我参加了一场关于区块链的讲座，讲座内容涉及到区块链的基本概念、技术原理、应用场景等方面，让我对区块链有了更深入的了解。在讲座中，我收获颇多，其中最重要的三个关键词就是：去中心化、可信计算和智能合约。下面，我将从这三个方面来拓展我对区块链的理解。

去中心化是区块链技术的核心理念，它指的是没有中央机构的控制，而是由多个节点组成的分布式网络来共同管理系统，这样就能够更有效地防止数据被篡改，保证数据的安全性和完整性。同时，去中心化的特性也使得区块链技术能够更有效地解决数据存储和共享的问题，从而改变传统的中心化结构，使得系统更加安全、可靠、高效。

可信计算是区块链技术的核心技术，它是指在分布式网络中，多个节点之间可以相互信任，而不需要依赖中心化的机构，从而实现数据的安全传输和存储。可信计算的实现需要基于密码学技术，它可以有效地保证数据的安全性和完整性，并且可以有效地防止数据被篡改。此外，可信计算还可以帮助构建更加安全、可靠的分布式网络，使得系统能够更有效地处理大量的数据，从而提高系统的效率。

智能合约是区块链技术中的一种重要应用，它是一种可以自动执行的电子合约，它可以在分布式网络中实现自动执行，从而避免了中心化的机构的干预，使得交易更加安全、可靠、高效。智能合约的应用可以解决许多传统的问题，如消除信任问题、加强合同执行和安全性等，从而更有效地实现交易的安全性和可靠性。

以上就是我在讲座中对区块链的拓展，其中最重要的三个关键词是：去中心化、可信计算和智能合约。通过对这三个关键词的理解，我更加深入地了解了区块链技术，并且能够更好地应用区块链技术来解决实际问题。

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Ⅰ What impact will the rise of blockchain have on the future of finance

On August 6, 2018, Cai Cai, financial industry consultant to Huawei and founder and CEO of Huaxuan Technology Mr. Yi gave a special presentation at DAGA | Blockchain & AI (Core Group), with the theme: Current Situation and Prospects of Blockchain Finance. The following text is organized based on the audio of the lecture and has been reviewed by the author.

Cai Yi: Financial industry consultant of Huawei, founder and CEO of Huaxuan Technology, founder of the shared reading club, member of the Chinese Writers Association, has been engaged in financial technology research for more than ten years, and is a senior expert in the digital transformation of banks .

Good evening everyone, I am very happy and honored to be able to share some thoughts with you here.

Let me introduce myself briefly: My name is Cai Yi. I was a writer in my youth. I wrote some books, magazines and novels in the 1990s. There was no Internet at that time. Since then, I have been engaged in informatization work in the financial industry. From financial channels to data centers, from outlets to technology, I have witnessed the development of financial technology and discovered some problems. He has been an investment partner since 2014, and has also worked as a financial industry consultant for Huawei in recent years. From a cognitive perspective, he serves as a consultant for talent development in the digital transformation of the financial industry.

I came into contact with blockchain in 2015, when I founded Huaxuan Technology and Shared Reading Club. At present, we mainly focus on the understanding of blockchain and the implementation of financial technology solutions. At the cognitive level, book clubs are used for interactive sharing and knowledge management. At the technical level, blockchain, big data, AI and other technologies are combined to reshape the processes and scenarios of the financial industry, starting from a local perspective. My relationship with blockchain stems from my own interest in blockchain, which I often study and discuss with some friends. Of course, some of the views are still relatively superficial. I hope everyone can share their opinions and make more comments and corrections.

Elite think tanks in the United States once believed that the core of maintaining global leadership is technology, technology must rely on the economy, and the core of the economy is finance. So, what is the future of finance?

Today’s topic is: The current situation and prospects of blockchain finance. I would like to introduce it mainly from three aspects:

A brief introduction to finance and the financial system;

The current situation of blockchain finance;

The outlook for blockchain finance .

1. Finance and financial system

1 The concept of finance

First of all, let’s talk about the concept of finance. The word “finance” originated from the Meiji Restoration (1868 Japan after 1897, this is somewhat related to the gold standard established by Japan in 1897. It was introduced to China from Japan in the early 20th century and was first proposed by Finance Minister Liang Qichao in 1902. At that time, Zhang Zhidong raised objections. Therefore, China has remained on the silver standard after the Sino-Japanese War. However, this also allowed China to avoid the 1929 decade of the Great Depression.

The original meaning of finance is "money financing", which refers to the circulation of funds in society. Later, its meaning was expanded to mean that it is related to currency and credit.transactions and economic activities. There is actually another reason why it is translated as "finance": gold was once the only medium in international trade, and value and wealth were based on gold as the basis and standard. Therefore, when people make standard gold bars, they need to melt the gold into shape. This may be the original meaning of the word "finance", which is to melt the metal.

Finance is the general term for currency circulation and credit activities and the economic activities related to them

Let’s take a look at our later definition of finance: Finance is the currency circulation and credit activities and the economic activities related to them. A general term for the economic activities related to it. Finance in the broad sense refers to all economic activities related to the issuance, custody, exchange, settlement and financing of credit currency, even including the purchase and sale of gold and silver. Finance in the narrow sense refers specifically to the financing of credit currency.

To put it simply, the content of finance can be summarized as the issuance and withdrawal of currency, the absorption and payment of deposits, the issuance and recovery of loans, the purchase and sale of gold, silver and foreign exchange, the issuance and transfer of securities, Insurance, trust, domestic and international currency settlement, etc. To put it more bluntly, finance feeds back in both directions. The institutions engaged in financial activities mainly include banks, insurance, securities, trusts, financial leasing, etc. We all know this quite well and have frequent contact with it. Therefore, after understanding the meaning and institutions of finance, you also need to understand China’s financial system.

2 China’s financial system

The development stage of my country’s financial system can be roughly divided into five stages:

Initial formation stage, the first five years ( 1948-1953): The People's Bank of China was established (1948). The People's Bank of China at that time was far from what we imagine now. But it marked the beginning of the new Chinese financial institution system.

The second five years (1953-1978) of the "grand unification" system in which the central bank unified revenue and expenditure: the People's Bank of China was the only financial institution in the country that handled various banking businesses, integrating the central bank Integrated with ordinary banks. In fact, the great unification is that we copy the foreign model. I will not talk about the specific countries.

Initial reforms and breakthroughs in the "unified" financial institution system, the third five years (1979 to August 1983): Bank of China (established in 1912), Agricultural Bank of China (established in 1951) , China Construction Bank (established in 1954) have been restored or established one after another, but the People's Bank of China still integrates currency issuance and credit. We have seen that China’s financial industry has developed very rapidly after reform and opening up.

The diversified financial institution system began to take shape. In ten years (September 1983 to 1993): it formed with the People's Bank of China as the core and four major majors in industry, agriculture, China and construction. A system of financial institutions with banks as the main body and various other financial institutions coexisting and cooperating with each other. After 1987, Bank of Communications, China Merchants Bank, Shenzhen Development Bank, CITIC and Hengfeng emerged one after another. In 1988, Ping An, Guangfa and Xingye emerged. In 1992, Everbright, Huaxia and Pudong Development Bank emerged and the China Securities Regulatory Commission was established in the same year.

Construct and improve the social market financial institution systemstage (1994 to present): A relatively complete financial institution system has been formed, led by "one bank and three committees", with large, medium and small commercial banks as the main body, and various non-bank financial institutions as auxiliary wings. In 1994, three major policy banks (China Development Bank, Export-Import Bank of China, and Agricultural Development Bank of China) were established. In 1995, Minsheng Bank, the first private commercial bank, was established (this is of great significance). In 1998, city commercial banks appeared. and established the China Insurance Regulatory Commission. The China Banking Regulatory Commission actually appeared relatively late, and was only established in 2003. From then on, the pattern of one bank and three conferences was formed. However, not long ago, the China Banking Regulatory Commission and the China Insurance Regulatory Commission merged to form the China Banking and Insurance Regulatory Commission. You can pay attention to it.

From an evolutionary perspective, normative research in finance is often linear.

That is, we often use a certain evolutionary form as the standard (usually a developed market economic system, such as the Soviet Union, Germany, the United States, and even Japan, etc.) to describe the financial system from non-marketization to marketization, from financial The path to progress from inefficient allocation of resources to efficient allocation, and focusing on explaining the GAP and reasons for this standard form.

In fact, we can find from the development history of China’s financial system just now: Since 1978, China’s financial system has evolved in the direction of marketization, standardization, diversification, and internationalization. Both scale and complexity are rising rapidly and non-linearly:

Various financial institutions have shown a "networked" and "strongly related" business format, that is: today's banks and banks, banks The correlation with other financial institutions and various financial sub-markets has increased significantly, and credit connections have become increasingly tight, intertwined, and intricate.

The ecological environment of the financial industry has also seen some significant changes. On the one hand, traditional formal financial institutions seek to accelerate transformation and innovation, and strive to seize opportunities in innovations such as business strategies, market positioning, management structures, business formats, and products. On the other hand, various emerging financial institutions have emerged in large numbers.

The financial industry also presents new characteristics such as real estate financialization, "banking" of non-bank institutions, and asset securitization.

The above changes are beyond the common imagination of the industry, regulators and policymakers, and will bring a series of impacts:

On the positive side, the scale and composition of the financial system have The business expansion and financial service capabilities of financial institutions have been expanded, the financial market has been developed, and innovative payments have developed rapidly. This is the case with financial technology, which we will talk about later.

To use a popular saying, there are all kinds of birds in the forest. Then, the negative aspects are mainly reflected in the following aspects:

The interactive relationship between the financial system and the real economy tends to be complicated, and the role of the financial system in spawning and amplifying asset bubbles has been underestimated.

The network and strong connections of the financial system have widened the gap between the financial industry and financial supervision, weakening the effectiveness of traditional supervision. my country's current financial regulatory system has only been in operation for more than ten years.

Monetary policy is transmitted through the financial systemThe path and mechanism of monetary policy have changed (the transmission chain of monetary policy has been lengthened or deformed, and the conductivity and effectiveness have declined), and the initiative and effectiveness of regulation are facing new constraints. The current monetary policy framework has been continuously improved in response to economic and financial market developments since its establishment in 1996. However, the complexity of the financial system in recent years has posed new challenges to it. Broad money M2 has also been impacted by factors such as financial deepening and electronic payments, and has been further weakened by the shadow banking system.

Various cross-market, cross-business, and cross-border behaviors that avoid supervision make multiple risk factors intertwined, such as: capital pool operations with serious mismatches in terms of terms and products hide greater liquidity risks, product Nesting leads to risk transmission, insufficient shadow banking supervision, local debt, real estate, external shocks, etc., which all pose great challenges to the stability of the financial system.

There is no harm without comparison. my country's financial system as a whole is still relatively backward. This backwardness is mainly reflected in the lag in banking innovation: the People's Bank of China announced the cancellation of "interest spread protection" in October 2015, while the United States had completely marketized interest rates as early as April 1986, and China was nearly 30 years late.

3 The institutional framework and basic issues of China’s financial system

Of course, my country’s current financial system is based on three basic institutional frameworks:

The first is to rely on business trust that exists in legal provisions, that is, policy guidance;

The second is to rely on a third party as a credit intermediary to ensure the realization of asset transfer transactions;

The third is to rely on centralized The clearing house is the center and handles the settlement and clearing of completed transactions.

Based on this, four issues have been raised:

1) The issue of integrity system and trust mechanism. Traditional finance must have strict transaction records to accumulate credit. Without transaction records, it is difficult to achieve financing or loans because there is no technical means to ensure the security of transactions between both parties.

2) Transaction settlement takes a long time. Traditional financial transaction times continue to speed up, but settlement times are still relatively long, especially cross-border transactions, which often cannot arrive immediately.

3) The cost of intermediary services is high. The important source of income of the traditional financial transaction system relies on collecting transaction fees or loan interest; in cross-border transactions, costs caused by exchange rate changes have to be paid.

4) Poor security. Traditional finance has many human involvement links, which means that the probability of human errors and omissions is also higher.

Faced with this series of problems, financial institutions have actually been looking for solutions. When we communicated with ICBC and China Merchants Bank two years ago, they were already exploring big data, artificial intelligence and blockchain. And its crisis awareness is very strong.

4 Financial Technology

As the positive aspects just mentioned, financial institutions have been seeking solutions to financial informatization and financial digitalization.

So, let me mention what is happening in financial technology. Whether it is FinTech proposed by JD.com or TechFin proposed by Ant Financial, I thinkIn essence, it is a better combination of technology and finance, just like what we will discuss next is how to better combine finance and blockchain.

Financial Technology 1.0 Era

At this stage, the financial industry and the technology industry exist as parallel industries. The two sides have not yet truly integrated, but technological progress has begun to promote the globalization of the financial market. change. Since World War II, the rapid development of communication technology and information technology has enabled finance to break national boundaries, and the cross-border investment of financial institutions has also greatly accelerated. The main providers of financial services in this era were banks.

Financial Technology 2.0 Era

Technology is promoting finance and strengthening the trend of globalization, making financial services more and more digital. The financial industry realizes the electronicization and automation of offices and business through the application of traditional IT software and hardware, thereby improving business efficiency. During this period, financial institutions have significantly increased the adoption of IT technology in internal operations and have successfully implemented paperless offices in many processes. Core systems, credit systems, clearing systems, etc. that are often discussed in banks and other institutions are representatives of this stage.

Financial Technology 3.0 Era

In the Internet financial stage, the main force of financial technology at this stage is entrepreneurial enterprises of non-financial institutions, relying on Internet technology and information and communication technology to provide financial services or Cooperate with financial institutions to launch financial services. The financial industry builds online business platforms and uses the Internet or mobile terminal channels to bring together massive users and information to realize the interconnection and interoperability of any combination of the asset side, transaction side, payment side, and capital side in financial business. This is essentially a change from the traditional The transformation of financial channels enables information sharing and business integration.

Fintech 4.0 Era

The financial industry uses new IT technologies such as big data, cloud computing, artificial intelligence, and blockchain to change traditional financial information collection sources and risk pricing models. , investment decision-making process, and the role of credit intermediary, it can greatly improve the efficiency of traditional finance and solve the pain points of traditional finance. The representative technologies are big data credit investigation and intelligent investment advisory.

Having said this, let’s briefly summarize: Finance is the intermediary of credit, and finance provides two-way feedback. We talked about China's financial system and learned that ICBC, China Merchants Bank and Ping An were established at the same time, so we know why ICBC is more active and innovative than the other four major banks. Then we talked about the development of financial technology, which has led to better development of financial technology in information and digitalization.

Excerpts from: Article: Current Situation and Prospects of Blockchain Finance

Ⅱ Several of my friends are playing with blockchain, is it reliable?

< p>Blockchain is also a relatively new thing, and many people are paying special attention to blockchain. Blockchain can be loved by many people, and it can also receive investment from many people. Many people particularly want to You want to invest in the blockchain, and you also hope to get more returns by investing in the blockchain.

There are many people who want to invest in the blockchain, but they may not necessarily understand the blockchain, and they do not know how to operate the blockchain. If you invest in the blockchain because everyone around you invests in the blockchain, If so, you may suffer relatively large losses. Some people may have this question: Several of my friends are playing with blockchain, is it reliable? In fact, I think blockchain is not necessarily reliable. There are three main reasons why I say this:

First, blockchain is easily affected by the market.

The reason why I think blockchain is not necessarily reliable is because I think blockchain is easily affected by the market. When the market fluctuates greatly, the value of blockchain may increase. decline, and it may not be able to recover as soon as possible. If some people invest because of the value of the blockchain, they may suffer relatively large losses, and they may lose all their money.

The above is my opinion.

ⅢThings about investing in Yunbi.com

Through getting columns and learning and then learning the public account, I learned about Yunbi.com and listened to it again on June 6 After reading Li Xiaolai’s Concise Survival Guide to the Blockchain World, I couldn’t restrain my inner restlessness, and for fear of missing out on the opportunity to make money, I finally recharged 20,000 yuan on Yunbi.com on June 18 and started my blockchain investment.

I first bought Gongxinbao for 10,000 yuan, and then waited for the pressone. After waiting for more than ten days, it still didn’t come out, so I bought another quantum chain for 10,000 yuan. Not long after I bought it, the total price rose by more than 3,000 yuan. I showed off to my wife: The hardest thing in the investment field is actually that you can still hold on to it after the big price rise. But within a few days, it shrank to 20,000 yuan, a few days later it was 18,000 yuan, and the lowest dropped to about 7,000 yuan. I felt so distressed. After a few days, it increased to about 10,000 yuan, and I lost money. Half of the time, I felt really mixed emotions.

Suddenly I remembered Teacher Xiaolai’s investment advice. Why had I forgotten all of it? After polishing so many concepts, I returned them all to the teacher. Didn’t Teacher Xiaolai teach us to read it once a month? Why do I have to watch it every day? What a waste of attention and stupidity! So I learned from the experience, deleted the APP for watching the blockchain market, and looked at the market on my computer every two weeks. A miracle happened. I recovered what I lost and made five to six thousand yuan. Recently, because I just bought a house, I had to sell it back to the cost, leaving 5,000 yuan in the account.

Lesson 1

Never press it all. This total is not all your assets, but the assets at your disposal. For me, after buying a house, I only have 20,000 to 30,000 yuan left, and the 20,000 to 30,000 yuan is all I have left. Because when you need money, maybe the price of the blockchain has reached a low point. What to do, you can only cut the meat; on the other hand, when the price of the blockchain drops sharply, do you still have the bullets to continue to cover your position? . When my blockchain dropped to 7,000 yuan, all I thought about was adding positions, but I didn’tI have no spare money, so I can only regret it. If you continue to add positions during the decline, you can make a lot of money now. Of course, you can still add positions when the price rises. In short, after identifying the direction, it is very important to add positions regularly. Therefore, Teacher Xiaolai said that we must cultivate the ability to make money continuously and learn the ability to make money off-site. Investment alone can only play a supporting role.

Lesson 2

Only invest money you can afford to lose. Only if you can afford to lose money can your mentality be good enough. Otherwise, the heart will fluctuate together with the K-line, which will affect your investment decisions. Fortunately, I learned many concepts from Mr. Xiaolai beforehand. At the critical moment, I withstood the pressure and stepped back from the brink without being cut. So, how much money can we afford to lose? Personally, I don’t think it should exceed one-fifth of our disposable assets. After that, it’s really difficult for us to calm down. There is really a big difference between simulated investing and investing with real money.

Lesson 3

Be prepared to hold for the long term. Although it is not as heavily deducted as buying U.S. stocks, blockchain investment also has handling fees. Don't make any contribution to Li Xiao in this regard. We can hold our own and not be speculators, but only investors. This is what Li Xiaolai recognized. On the other hand, the longer you hold it, the higher your returns will be. We can never predict whether the price will rise or fall in the next second. Wanting to sell at the highest point and buy at the lowest point is as difficult as drawing a lottery ticket. If we look in the right direction, when the social functions of this blockchain become more and more powerful, its value will become greater and greater, and its price will become higher and higher. Think about why Bitcoin is so expensive. The fundamental reason lies in its huge application value.

Lesson 4

Don’t buy if you don’t understand. In fact, I don’t know much about blockchain. After listening to Mr. Xiaolai’s lecture, I thought it made sense, so I bought it. In this case, I actually feel unsure and unsure of myself. I have also bought stocks in Alibaba and Tencent. The feeling of holding these two stocks is really different from holding blockchain assets. It's because we often use Taobao, Alipay, and WeChat. We feel that these companies are around us and are awesome. Buying their stocks makes us feel at ease. But blockchain assets are different. Many blockchains have not yet been concretely applied in practice, or the scope of application is not wide enough. We cannot directly feel the huge changes that blockchain has brought to our lives. This is easy. It makes us feel guilty. This requires us to do more homework before investing. After investing, we must still continue to study and pay attention to blockchain applications instead of staring at the K-line all day long. The lock is there, but the key is often not in the lock. The more thorough the research, the more at ease you will be, and the more likely you will be able to hold Bitcoin for nearly a lifetime like Mr. Xiaolai did.

A little inspiration

Learn more and make more money. Most of us are like Li XiaolaiIn comparison, the difference is really far away. If nothing happens, the gap will continue to widen. However, we cannot be discouraged. We must run unequivocally in the direction of Teacher Xiaolai, so that we can already leave behind 100% of the people around us. Friends and colleagues over eighty. Of course, learning is not just for learning, but for practice, for productivity, to make more money, to realize self-worth, and to move closer to freedom of wealth. Only by continuously improving your earning power can you have capital for investment, shorten the time to achieve financial freedom, and extend your life.

IV How to check whether a blockchain project is reliable

Is the Omepe Omechain European and American Manor real?

IV "Blockchain - Financial Black Technology" - Shanghai Jiao Tong University

The theme of this lecture is "Blockchain - Financial Black Technology", and the speaker is from Kuo Mei Wenxiang, the co-founder of Yue Technology, is also the founder of 91pool, the world’s largest mining pool for Ethereum’s original chain ETC. This lecture attracted many students, and even though it rained heavily that day, the venue was still full.

Before the lecture officially started,
Mei Wenxiang asked three questions:
How many students know about Bitcoin?
How many students know about blockchain?
How many students know about smart contracts?
Just judging from the hands raised at the scene, even if they are facing a new knowledge and new field - "blockchain", Jiaotong University students have done their homework in advance before listening to the lecture.

Mei Wenxiang talked about the basic knowledge of blockchain from three aspects: the origin of blockchain, blockchain, and smart contracts. First of all, the speaker used humorous language and vivid metaphors to tell everyone that although it is less than 10 years ago, the current development of blockchain is like physics-magnetic field, "invisible and intangible, but objectively existing", " "Bitcoin" is the first "son" of "blockchain". The three characteristics of blockchain, "shareable, trustworthy, and shared ledger," determine that blockchain will become a more powerful technology in the near future.

I came into contact with "blockchain" 3 years ago. Even though I have been working in the Internet finance industry for 6 years, I resolutely chose to get back on the road and began to explore the research and application of the blockchain field. Soon after Founded WNT Kuoyue Technology and officially started many practices of blockchain applications, such as: "91 Charter" of blockchain financial leasing platform, "Yijian" of blockchain art appraisal platform and "Yijian" of digital currency production platform 91 Coin Pool”.

Wonderful question-and-answer session

As the lecture came to an end, students from Jiaotong University actively raised their own questions to the speaker. The speaker answered them patiently and admitted that learning about blockchain is a " There is no need to rush the process.

At this point, the lecture ended successfully.

VI Anyone who understands blockchain investment would like to ask how everyone participates in blockchain investment and whether the income from blockchain investment is safe

I have the best say on this. I have been in the cryptocurrency industry for five or six years. I have bought equipment, traded on major exchanges, opened contracts, and added leverage. In recent years, I have actually made less money and lost more money. Later I discovered that investing in blockchain is actually equivalent to stock trading. Those who have lost money want to continue participating in the hope of a comeback, and those who have made money want to continue participating in the hope of making a lot of money. If you go back and forth like this, plus you don’t know much about what blockchain is, you will naturally not get much benefit, and you will often be harvested like leeks.
Recently, a friend of mine in the currency circle introduced me to a company called Hada Meta. It is headquartered in Singapore and has a technical team in China. My friend asked me to listen to the sharing given by their technical staff, and my eyes brightened. Let me share with you my experience.
First of all, when I first came into contact with the company Hada Meta, I subconsciously thought that they were probably similar to the companies I had encountered before. They just talked and tricked you into buying equipment. But the people who listened to their introduction for most of the day did not mention the equipment at all. They kept sharing how to choose reliable investment products in the blockchain market, and how to participate in order to maximize returns and guarantees. Investment safety surprised me, and I started to get a little interested.
Then they analyzed to me why I made less and lost more when I invested in blockchain before. In the final analysis, it was because I didn’t do a good job of “selecting” and “investing”. I really don’t know how to choose a good blockchain investment product. When I see which project is popular, I invest in it, and I can’t help but buy equipment, or wait for it to go online and speculate directly. As a result, they told me that my investment method was most likely to be cut off. I thought about it carefully. After all, I was already a step later than others when I participated, so the benefits I received were naturally less.
Finally, they specially designed a blockchain product investment plan for me based on my actual situation. They told me that I am suitable for short-term investment. In this case, I should not buy equipment because it is not worth it and the cost will be high.The book is also high. Short-term investment may only last a few months, and there is no need to buy equipment. The dividend period for short-term investment is the testing period before the public blockchain goes online, so they suggested that I rent cloud computing power to participate. This way, the risk is small, the investment is small, and the returns are high.
To be honest, I have never seen a team like theirs. Maybe if I sell the equipment directly, I can make more money, but they did not do that. Instead, they advised me to do what I can. I think it is quite reliable

Ⅶ Is it okay to invest in blockchain now? What are the precautions?

You can participate with a small amount of money. BiJing is the next generation Internet outlet. Here are my I hope my investment experience over the past year will be helpful to you.

While I was relaxing physically and mentally during the holidays, I took stock of the pitfalls I had gone through, sorted out the gains and losses, and came to the following insights.

1. In the early days, I believed too much in the words of Big V, the big guy in the currency circle, and bought some coins from their platform. Now it is close to zero. I feel that I am so naive that I believe their lies. It is difficult for people to withstand the temptation of huge wealth, and of course they cannot escape. But saying one thing and doing another, and not admitting it in the end, has lost their moral bottom line. They have made a lot of money, leaving me waiting for Leek to stand on the top of the mountain and tremble.

2. The judgment of various public accounts and various media in the currency circle on market trends is similar to the effect of betting on dice. Of course, this does not mean that the media are completely irresponsible or incompetent. In fact, some media still cherish their feathers and do their best to analyze projects and judge trends for fans. But don’t forget that, by nature, the market is unpredictable, otherwise it wouldn’t be called a market. Bankers and leeks are always playing a cat-and-mouse game. The media’s predictions often provide savvy bankers with guidance on reverse actions. When most media are optimistic about the market, it is also when the bankers raise their sickles; when the media generally believes that When the market is still going deep, the market makers may be building positions secretly. This is not difficult to understand, because the media acts as the opinion leader of the leeks.

3. The current market still shows the characteristics of capital market, which is dominated by speculation, and the real value investment of blockchain has not yet been reflected. The performance is that almost all altcoins are linked to the rise and fall of Bitcoin. Why is it related to Bitcoin? Because there are no other standards to rely on? If there is no killer application, this linkage effect will be difficult to break, and there will be no real bull market in the currency market. The killer application mentioned here is not like Ethereum, issuing coins, building an underlying public chain, etc., but having real application scenarios that can link virtual digital assets on the chain to reality. In the supply and demand of the scene, DAPP must have a good user experience and be accepted by the public outside the currency circle. In this case, digital currency will have real support, and the development of blockchain will usher in spring, otherwise it will be just speculation.

4. Often start from historical phenomena to form expectations for the future. In 2017, some altcoins achieved prices of a hundred times or even higher, so it always feels likeThe altcoin in my hand increased three to five times after I bought it, but it was not satisfactory and it was not in place. As a result, it was not sold in time and it ended up rotting in my hand. Let's analyze it. This time is not that time. At that time, there were fewer projects and more funds. At this time, there are more projects and less funds. The situation is exactly the opposite. Ignorance and greed are very dangerous. Since 2018, as the big Vs have made profits and left the market, the funds on the market have shrunk significantly. Even if the market rises, the original market funds are playing the game. The money-making effect is getting smaller and smaller. OTC funds are waiting and watching. Only Only when the wealth-creating effect appears will OTC funds have the urge to come in.

5. New ways of playing are constantly emerging. As the money-making effect becomes smaller and smaller, new leeks become old leeks, and it is difficult to harvest them with traditional harvesting methods. Only by making some innovations can the leeks flock to it and obey. Fcoin trading and mining, Huoniu video, etc. have made a small group of people rich, and at the same time made a large group of people miserable. These projects are essentially a drum-passing fund-raising game, changing the soup without changing the medicine. The earlier you participate, the better the results will be. By the time I wait for Leek to participate, it will basically be in the mid-to-late stage. If I invest money in it, it will definitely be harvested. Since I participated in Fcoin early, I made a small profit, but I participated in Huoniu late, and was cut as soon as I entered. Fortunately, I only invested a little tentatively.

6. Will the market rise again? The answer is yes. From two aspects. On the one hand, there is a consensus that blockchain is the future trend. It is said that there is a rule that can prove whether a technology can become a trend in the future. It depends on whether the number of articles published about this technology can increase exponentially every year. Blockchain completely complies with this rule. On the other hand, as mentioned earlier, the current market is mainly capital. So even if blockchain is not a future trend, it will still have a good market. Because the characteristic of the capital market is that when funds enter the market, the market will rise, and when funds withdraw from the market, the market will fall, and there is no need for a reason for funds to enter and exit the market. Currently, the funds on the market include not only retail investors, but also large investors and institutions. It is not only leeks that are trapped, but also bankers who have cut the vegetables but failed to harvest. No matter who you are, there is only one purpose for entering the currency circle, and that is to make money. If the market does not rise, there will be no big money-making effect. If it falls for a long time, it will rise. This is an unbreakable rule. Of course, whether retail investors can make money depends on themselves. of good fortune.

Future plans:

1. Best policy. Strictly control positions, adjust layout, and stay away from air coins. Position control is always the first priority and is the lifeline of investors. Only after losing money did I realize the importance of position control. I really regret it now. If I had entered the dissatisfied position, I wouldn't have been so deeply trapped. Now that the matter has come to this, if we decisively liquidate all air-related projects, we can free up some funds. Then, select a few high-quality projects for fixed investment. If you don't have enough funds, you can spend a small part of it from your daily income. To do this step well, you need to add an important link, which is learning. The reason why I couldn't distinguish between good and bad projects in the past was that I didn't study enough and my skills were shallow. Instead of focusing your time and energy on watching the market, checking public accounts, and asking for news, it is better to focus on studying.Accumulated knowledge and skills are also a kind of wealth, and no one can take them away. It is necessary to learn basic knowledge about economics, finance and investment, but also to learn about blockchain. I have read some books (General Economics, Economics in One Lesson, Xiang Shuai’s Peking University Finance Course (subscription required, electronic version not available), Buffett’s Law, Buffett Teaches You to Read Financial Reports, Blockchain Technology Guide, Decoding Zone Blockchain complete set), the link address is given (link:

Extraction code: sbmv) If you need it, you can download it with confidence.

2. The middle strategy. Do an oversold rebound. The small money-making effect does not mean that there is no money-making effect. You must enter the market with a small amount of money, you must focus on one or two projects, and you must move in and out quickly when there is a sharp decline that makes most people panic. You must not be reluctant to fight. (You can pay attention to one or two large public accounts to judge the panic in the market.)

3. Make the final decision. Be a wool party. On the premise of not expending energy, it is not a bad idea to receive candies and get some benefits. Under the current market situation, grasshoppers are also meat. The traditional way of receiving candy is too troublesome, and the gain is not worth the loss. Found two candy delivery platform projects, one is Fulcrum:

The other is Ant Mine Chicken:

The former airdrops various candies from time to time, and also has community social attributes, forming a system The latter is a new candy game platform under Candy World, which accumulates candies through the game of raising chickens and laying eggs. It is reported that it has just received strategic investment from GBls (Global Sleepless Blockchain Leaders Summit).

In addition, some Dapps that are in the testing stage are also worth a try. Anyway, it doesn’t involve any energy, just think of it as a way to relax after stressful work. Fighting video (ios version: https://fir.im/51ds Android version: http://a.app.qq.com/o/simple.jsppkgname=com.xysk.mvpart.douxi, invitation code: WN4VIZ) , focusing on creating a vertical segmentation field for professional artists. Fans and users can accumulate star power and sign in every day to obtain stars. Stars can be exchanged for prizes or sold privately. It will be launched in October.