2020上海区块链峰会,区块链大会2018在上海

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2020上海区块链峰会是由上海市政府主办的一次全球性的区块链技术高峰论坛，旨在推动区块链技术的发展和应用，推动区块链技术的跨界融合，推动区块链技术在经济和社会发展中的深度参与。

区块链技术是一种分布式账本技术，可以让所有参与者在网络中共享可信的数据。它可以让参与者之间的交易更加安全、透明、快捷，并且不需要第三方的参与。区块链技术可以创造出一个可信的数字经济，实现社会财富的重新分配，实现资源的有效配置，促进经济的发展。

区块链大会2018是上海市政府主办的一次全球性的区块链技术高峰论坛，旨在推动区块链技术的发展和应用，推动区块链技术的跨界融合，推动区块链技术在经济和社会发展中的深度参与。此次大会主要以“构建区块链未来”为主题，聚焦区块链技术在金融、能源、物流、政务服务、信息安全等领域的应用，探讨区块链技术如何改变未来社会的发展，并邀请了来自世界各地的区块链专家、行业精英及投资人进行交流。

跨界融合是指跨越不同行业和领域的合作，是把不同行业的资源和技术进行融合，以求解决复杂问题的一种方式。跨界融合的出现，使得区块链技术的应用范围变得更加广泛，能够在金融、能源、物流、政务服务、信息安全等行业中得到广泛的应用，推动经济发展，改善社会环境。

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『一』Technology helps financial intelligence change, how does financial technology seize new opportunities

On August 3, Lieyun.com with the theme of "Intelligent Change and New Finance" The 2018 Financial Technology Industry Innovation Summit was successfully held at the Four Seasons Hotel in Beijing. The summit was hosted by Lieyun.com and co-organized by Sharp View, Lieyun Capital, Lieyun Finance, AI Planet, Chuangtoutiao, and Hive.

In the past June and July, the online lending industry has continued to explode. Many Internet financial companies are facing life and death choices. Some companies that have transformed into financial technology still have lending businesses. It is also facing challenges, and uneasiness in the lending field has also spread to the entire financial technology field.

Against the background of this poor market environment, the 2018 Financial Technology Industry Innovation Summit hosted by Lieyun.com was successfully held, which is enough to see the recognition and belief of industry professionals in the field of financial technology. We firmly believe that the development and changes brought about by this field can promote the progress of the industry. This summit was also attended by executives from representative platforms in the lending field. In this field that has already encountered a crisis of trust, they are willing to stand up and rebuild the industry's trust system, showing people that this field that has been led astray by some speculators is still worthy of people's trust. , empowered by technology, it can solve more problems for individuals and small and medium-sized enterprises; in addition, the guests also discussed how to break through difficulties and how to develop amidst doubts, etc., and jointly made suggestions and found solutions to the urgent needs of the industry.

The Fintech Summit hosted by Lieyun.com also established a communication platform for top experts in the Fintech industry and elites in the investment community. Facing the new market of deleveraging, strict supervision, and emphasis on risk control, They focused on topics such as technology, capital, industry and ecology in the field of financial technology, jointly exchanged views on new changes and changes under domestic trends, explored new opportunities driven by technology, and provided ideas for people in the industry to learn from. Lieyun.com will continue to deeply explore the domestic entrepreneurial service market, and will also actively participate in integrating global entrepreneurial and investment resources, and strive to build a globally competitive venture capital service platform.

The Beginning of Intelligent Change

In the entire financial technology field in a broad sense, after regulatory baptism and license restrictions, the entry threshold for the financial technology industry has increased, and the market has gradually become more standardized and standardized. reason. But as big data, cloud computing, artificial intelligence, and blockchain technologies continue to be verified and iterated in application scenarios, how will new technologies reshape the future of finance? In 2018, amid the tests of supervision, technology, capital, and assets, how to face and embrace new changes has become the biggest challenge for financial technology companies.

The rise of financial technology has only taken two or three years. Entering 2018, financial technology is facing new challenges, such as regulatory reshuffle, model difficulties, lack of scenarios, technical challenges, and innovation success. Mystery, facing the giant of new financeHow will financial technology companies break through the changes? With the continuous innovation and iteration of technology, finance has increasingly become a "testing field" for technology. Especially in terms of financial risk control, technology has become the core competitiveness. As technical barriers are gradually broken down, a new outlet for smart finance may be formed, and financial intelligence will change. Unstoppable.
Jin Jilei, founder and CEO of Lieyun.com, said in his opening speech as the organizer’s representative work that “intelligent new finance” has become a new mainstream trend in the financial industry. Some of the shortcomings of early Internet finance have been eliminated under the current financial technology. , will surely get a better solution. Technological changes and technological iterations have brought many surprises to the financial industry. Big data and artificial intelligence technologies have been widely used in risk control and anti-fraud. Blockchain technology, which is in its early stages, will also bring changes to this industry. Come to a greater breakthrough. Technology drives financial change and reshapes finance. At the same time, it drives industry competition to a new critical point and forms a new financial ecosystem.

Nie Xianzhu, deputy secretary-general of the China Association of Small and Medium Enterprises, attended the summit and delivered a speech, saying that in the traditional financial environment, it is actually very difficult for a disadvantaged group to integrate into the financial environment. With the emergence of new finance, this process has become simpler, allowing more people to enjoy financial services. In addition, to a certain extent, many small and medium-sized enterprises are "vulnerable groups".

Nie Xianzhu also said that currently, the development of small and medium-sized enterprises is restricted by many factors, the most important of which is the difficulty of financing and the high cost of financing. The introduction of various policies is also to "stabilize finance", prevent and resolve financial risks, and achieve deleveraging to better serve the real economy. Compared with the traditional financial system, new finance has the characteristics of wide coverage and a better understanding of small and medium-sized enterprises. It combines cutting-edge technologies such as the Internet, big data, blockchain, and biometrics to integrate them into products more suitable for small and medium-sized enterprises. Financing of small and medium-sized enterprises has made a contribution; at the same time, the emergence of new finance has also provided more new channels for financing of small and medium-sized enterprises.

Under the concept of smart new finance, for enterprises in the new financial field, those who have entered the industry are faced with difficulties and future development problems, while those who have not entered the industry are waiting for new entrepreneurial directions. As an excellent technology venture capital media, Lieyun.com relies on its platform advantages and venture capital resources to attract elites in the industry and many famous guests. In response to various questions in the industry, at this summit, the participating guests also expressed their opinions, starting from multiple perspectives such as risk control, standardization, innovation, and integration, and published under the reconstruction of "new technologies, new scenarios, and new ecology" expressed his own views on the innovation and development of financial technology.

Guests attending this summit include top experts and entrepreneurial elites, as well as technology geeks and investment experts. At the summit, Wang Ge, founding partner of investment giant Guoke Jiahe, and Liang Yu, partner of Creation Partners Capital, shared their views on the new development direction of financial technology from the perspective of investors; in addition, Jia Jing, partner of Delian Capital , Broadband Capital Director Ouyang QiWei, Yu Zhenbo, Vice President of Huachuang Capital, and Zhao Nan, Investment Director of Fangsheng Fund, the four guests jointly discussed investment and financing opportunities under financial changes.

Many guests from Internet securities, Internet insurance, wealth management and other fields gathered together to discuss the new changes and opportunities in the current intelligent new finance. Among them, four guests, Huang Xu, COO of Neutron Star Finance, Wu Wenxiong, co-founder of 91 Finance, Tian Liwen, a big data expert at Elephant Insurance, and Zhang Chun, CEO of Yongquan Financial Services, discussed the dilemma and rebirth of Internet finance.

Thinking about new ecology and new solutions

Some people say that financial technology is no longer what it used to be; others say that a new outlet for financial technology will be formed; what are the trends in smart finance? Next, will financial technology really subvert the traditional financial industry? Also worth pondering. The current environment of the Internet finance industry is not particularly good, but Internet finance should have a bright future, so how should we take this path? What should industry professionals do?
In this regard, at the summit, Wang Ge, founding partner of Guoke Jiahe, shared the theme of "Cold Thoughts on Financial Technology: Dare to Ask Where the Way Is" and said that if Internet finance wants to have a bright future, we must first Get over the "survival hurdle" first. There are three main things that need to be done. First, as policy supervision becomes stricter, we must maintain healthy cash flow; second, we must control the pace of financing and accumulate food and grass in advance; third, we must be prepared for the long-term war of resistance, adjust our business models, and improve our own hematopoiesis. ability. In addition, in his view, the essence of finance is risk, and the financial industry is risk spread, so when talking about finance, we must first talk about risk.
Regarding risk control, Zhang Yu, vice president of Ronghui Jinke, believes that when big data risk control is applied in the real financial technology field, a deep collision may be appropriate. When customers have higher and higher requirements for business experience, how to use big data to improve financial technology and make it more enjoyable for customers, the trend of big data risk control applications has just arrived.

In addition, in Zhang Yu’s view, many relatively sensitive data have huge commercial value and can well help licensed financial institutions and financial technology improve risk control, accurately acquire customers, and help consumption Investors can obtain more convenient inclusive financial services, but how can these data be fully mined and refine greater risk control capabilities under the premise of compliance? There's still a lot to do here.
In addition to risk control, technological empowerment also provides more possibilities for the securities industry to establish a new ecosystem. When Chen Yu, director of Futu Securities, shared "How Internet securities can occupy the traditional market with services", he said that technological means will continue to change the development pattern and business model of the securities industry in the past and in the future, that is, using massive data mining to accurately analyze user profiles and Marketing and value-added services to improve user experience. The brokerage business will become a very important entry point in the Internet securities industry. The entire industry chain will shift from traditional commission income toValue-added services include extensions in wealth management, asset management and other directions.

Explore new trends and new scenarios

The Internet securities industry after reconstructing the ecology is a new trend; and in the Internet insurance industry, health insurance will also become a part of this industry. big development trend.
The health insurance market, in terms of premium scale, is not the mainstream of insurance compared to traditional life insurance and property insurance. Health insurance is a purely protection-based product, but Xu Shuo, vice president of EasyCho and EasyE-Insurance, believes Health insurance should be China’s largest insurance development direction in the future. In my country's commercial health insurance market, demand is strong but it cannot develop. It still faces pain points such as weak channels, products, weak awareness of protection, and low people's trust in insurance companies. In response to these problems, Xu Shuo suggested to first conduct subtle market education for users, and then create accurate user portraits for the educated customers, mainly through three methods: accurate push, accurate pricing, and interactive optimization to promote the conversion of commercial health insurance.

In addition, Xu Shuo believes that insurance technology is an applied technology and does not require particularly sophisticated tools to serve insurance companies. We should not try to make subversive changes. The insurance industry is a very old industry. Companies have their own internal processes, and technology can solve many things, but if it goes too fast, insurance companies may be less receptive to technology.
Jin Zhuxiong, chief asset allocation analyst of Geshang Wealth, also agrees with Xu Shuo’s view. Jin Zhuxiong said that instead of trying to make disruptive changes, in the field of financial development, we still have to look at the essence of finance. , The essence of finance is to control risks. So how to balance crazy technology and rational finance? In Jin Zhuxiong's view, the output of technology is unlimited and financial risks have boundaries. They naturally have conflicts.

In addition, Jin Zhuxiong believes that artificial intelligence can improve the working experience of personnel in the entire financial industry. Using big data, assets can be allocated to customers simply and quickly based on customer portraits and customer behaviors; using AI, labor costs in the financial industry will be greatly reduced in the future, and a fully intelligent financial platform will be formed. Maybe in the next three to five years, we will be discussing the future of financial practitioners under a fully intelligent financial platform.

Jin Zhuxiong also talked about how the non-standardized product experience will evolve under the new technology finance. He believes that this requires intelligent two-way matching between the wealth side and the asset side: the intelligence of identifying user models and tags Customer service, intelligent selection based on big data and algorithms, and qualitative analysis in artificial intelligence-assisted scenarios.
Not only in the field of private equity, but also in the field of commercial services, some new financial forces have also emerged. Kuang Jianfeng, co-founder and director of the Data Research Center, said at the summit that the emergence of many emerging financial companies in the past two years, especially technology and financial start-ups, has given rise to a large number of choices.address and after-office service needs. But the financial sector has been one of the most affordable for years. Traditional financial companies are relatively concentrated, with complete supporting services and tall buildings in CBD, Financial Street and other places, but the corresponding prices are also very expensive. For technology and financial companies, they are usually small in scale and focus more on technology companies, and most of the players are entrepreneurs. This has led to this group of companies facing a situation where offices are relatively scattered, rental costs are relatively high, and talents may be unwilling to come. What Haozhi needs to do is to become a helper in the entire booming industry and play the role of delivering water to the "gold diggers".
In addition, Zhu Wei, co-founder and vice president of Tongdun Technology, delivered a speech on the theme of "AI Empowers Finance, Fintech Enters a New Era" and said that AI will have some core application scenarios in the financial field, including intelligent Risk control, intelligent customer service and intelligent investment advisory.

In Zhu Wei’s view, with the upgrade of underlying technology, including underlying computing power, cloud computing, data storage capabilities, as well as the influx of capital and policy support, AI has now entered the to the stage of implementation and large-scale application.

At the same time, Zhu Wei introduced that Tongdun Technology is based on artificial intelligence and big data, combining specific scenarios with upper-level specific industries and applications and problems solved in the industry to provide customers with data analysis services. capabilities, and proposed the concept of AaaS, intelligent analysis as a service. To solve the risk control problems caused by the gradual onlineization of financial services, revitalize existing customers and improve customer conversion rate.

Seize new technologies and new opportunities

Under the financial transformation, technology-empowered finance is accompanied by various opportunities. So where are the new opportunities in the financial technology industry? How can new technology and finance achieve better integration?
For Shen Peng, the founder of Shuidichou and Shuidi Mutual Aid, Shuidi Company wants to follow the path of a Chinese version of Kaiser Permanente. In Shen Peng's view, the biggest difficulty for Waterdrop is risk control. On the one hand, risk control requires offline verification and auditing. Public opinion monitoring based on social networks and the control of the entire risk control chain of social networks are also very important. Shuidichou uses blockchain technology and financial technology to develop its own patented risk control products. In addition, Shuidichou also uses communities and tools to increase user activity and stickiness.

The famous Kaiser Medical model in the United States has achieved the integration of patients, doctors, medical institutions, and insurance institutions; in comparison, China’s Internet medical model still lacks some hot spots, but on the other hand , also shows that there are still many opportunities in this industry.
The integration of technology and finance is both an opportunity and a challenge. Zong Jun, a partner at Creation Partners Capital, took Internet insurance as an example to examine the opportunities and challenges of the Internet insurance industry from an investment perspective. In his view, Internet insurance does not mean selling on the InternetInsurance must rely on Internet technologies such as big data, artificial intelligence, deep learning, and cloud computing, while using Internet thinking to achieve user-oriented, product + service, and transform passive and low-frequency insurance behavior into active and high-frequency behavior.

How to break through in the Internet insurance scene? Zong Jun believes that scenario-based insurance is not available in the original offline insurance. The original insurance is to launch a product, and this product is aimed at people across the country, while the scenarios of Internet insurance are fragmented and require precise orientation, in-depth focus and technology-driven .
When talking about technology, how can we miss the blockchain technology that is currently at the forefront. In terms of blockchain applications, TigerWitFintechCTORick said that his company applies blockchain technology to compliance technology. In view of the current problems such as the lag in the supervision of enterprises by national regulatory agencies, the difficulty in verifying the authenticity of enterprise data, and the difficulty in obtaining evidence for conflicts between customers and enterprises, TigerWitFintech uses a blockchain model to provide a solution. The model uses authorization and Authentication mechanism introduces regulators into the network. Rick said that he hopes to use such a model to bring in brokers and regulators to leverage the value of blockchain for compliance supervision.

There is no doubt about the power of technology empowerment. Technology continues to make breakthroughs. While using technology to empower finance, entrepreneurs are also looking for ways for technology to empower supervision. Under the trend of smart change, technology and supervision can be realized. , and finance are more integrated to support the healthy development of the financial technology industry.

How can Internet finance be reborn?

Looking back at the once popular Internet finance, its development to today, some subdivisions are facing reshuffle, such as the online loan industry; some are experiencing momentum of development, such as Internet insurance, wealth Management etc. In the wheel of life, how will these companies reinvent themselves and be reborn?
Regarding the overall sluggish financial environment since 2018, Huang Xu, COO of Neutron Star Financial, said that in fact, there are still certain opportunities for companies that need to acquire customers. In other words, the demand is there, and so is the market. In addition, Neutron Star will also provide many value-added services such as financial and taxation training to increase customer stickiness.

Zhang Chun, CEO of Yongquan Financial Services Group, said that Yongquan Financial Services Group’s approach is to delve deeply into vertical industry supply chain finance, relying on core enterprises, as well as upstream suppliers of core enterprises, and downstream customers, through This chain is where customers are acquired. In addition, facing a large number of customers, Zhang Chun said that he should provide good customer service, build a good brand, and improve customer perception, so that he can better retain customers.

Wu Wenxiong, co-founder of 91 Finance, believes that in an environment where the financial environment is not prosperous and customer trust is low, financial technology companies must control their business to a certain scale and reduce risks in accordance with regulatory requirements. dropTo the minimum, you should not spend energy on the user level.

Tian Liwen, a big data expert at Elephant Insurance, said that the situation of Internet insurance is very serious. The listing of insurance last year brought a climax period of development to Internet insurance. However, the current climax period has passed quickly. With big data, Technology such as artificial intelligence empowers insurance, but it is not particularly well established. It was originally expected to achieve qualitative change in one or two years, but now it seems that it may take three to five years. Elephant Insurance has always been engaged in the development and innovation of innovative insurance, striving to better interact with users through fun and small scenario-based insurance, satisfy users' risk protection, and promote users' purchase intention.

Investment and Financing Opportunities under Financial Change

In the process of self-change and breakthrough of enterprises, they often cannot do without the boost of capital. Now that financial technology is in a severe market environment, what other investment and financing opportunities exist with technological empowerment and financial changes?
In this regard, Delian Capital partner Jia Jing said that from the perspective of the financial and technology fields, one is the integration of finance and institutions, and the other is the combination of finance and technology. It may be cross-industry or has relatively strong expansion capabilities, and there may be some opportunities in these areas.

How should entrepreneurs respond to the severe investment and financing environment? Jia Jing said that one must be patient enough. She believes that now that we are in the deep water area, we need to integrate it deeply with our business, especially for companies with relatively large downstream funds.

Ouyang Qiwei, director of Broadband Capital, believes that the founder’s business development logic is also very important. Entrepreneurs need to weigh whether they want explosive growth or seek operational efficiency. Although capital pursues growth, the financial industry is a cyclical industry. Good or bad cannot be seen in one minute or two minutes, one month or two months, or even half a year.

Yu Zhenbo, Vice President of Huachuang Capital, believes that although P2P has been booming recently, whether it is consumer credit or small and micro enterprise financing, it is still a very hot market. However, in such a market environment, as an enterprise itself, it is necessary to keep its own risk bottom line and whether it can stabilize itself from moral hazard and operational risks in accordance with relatively strict standards.

Faced with the current severe financing environment, Yu Zhenbo suggested that entrepreneurs should first have a good positioning on financing; secondly, they should enrich financing channels and raise funds from VC, banks, government and other channels. ; At the same time, you must maintain your enthusiasm for financing, constantly promote your business situation and strategic direction to the VC market, capital market and wealthy buyers, and make continuous investment.

Zhao Nan, investment director of Fangsheng Fund, said that if the project has not been able to raise money, or there has been no positive feedback from the market for a long time, entrepreneurs should lower their expectations. If expectations are not adjusted well, something will happenSometimes, entrepreneurs will be unable to hold on and are more likely to collapse.

AD: On August 30, Lieyun.com’s 2018 “Smart + New Services” Enterprise Service Summit landed in Shanghai! Join hands with many industry pioneers to discuss new trends in the corporate service industry.

『二』Tell me what it is like to participate in the Economic Summit

At that time, I participated in the 3rd China Economic and Brand Innovation Summit in 2018. The content of the summit was in-depth interpretation and analysis of reforms. Open up the 40th anniversary successful corporate cases and the meritorious "leaders" behind these cases, and use their successful experiences, advanced models and fruitful results to inspire, guide and help peers to achieve greater success. All have created unlimited opportunities for economic development, which have been of great help to the subsequent improvement of economic levels and are full of confidence.

『三』The significance of the establishment of the Blockchain Alliance

The 2018 Global Media Blockchain Summit was held on the 19th at the Financial Hall of the Hong Kong Stock Exchange. Many media attending the meeting focused on blockchain Development prospects, industry trends and other issues, they made suggestions on deepening media blockchain cooperation and promoting the healthy development of the industry, and jointly announced the establishment of the Global Media Blockchain Alliance.

According to reports, the alliance will provide an open access mechanism for media members, integrate resources, and create a trustworthy media blockchain platform. At the meeting, the Global Media Blockchain Alliance released the "Hong Kong Initiative", advocating that the media spread advanced concepts, encourage ecological innovation, and continuously provide high-grade, high-quality information and services in the dissemination of information in the blockchain field.

Yu Guoming, executive dean of the School of Journalism and Communication at Beijing Normal University, pointed out at the summit that only through full development of media blockchain can a more sound and good media ecosystem be formed. Mainstream media must consciously assume social responsibilities in the development of media blockchain and become organizers and builders to promote technological progress and business innovation.

Ding Laibin, secretary-general of the Global Media Blockchain Alliance, said that blockchain technology is expected to bring new changes to society and its healthy development needs to be protected. In terms of public opinion supervision in the blockchain field, the media should give full play to its role in exploring the value of the industry, combating industry fraud, and contributing to the development of the blockchain industry.

Source ifeng.com

『四』Financial Technology ABCD: Artificial Intelligence, Blockchain, Cloud Computing, Big Data

Recently, China Academy of Information and Communications Technology Han Han, chief engineer and head of financial technology, officially released the "Research Report on Development Trends and Application Scenarios of China's Fintech Frontier Technologies" at the "2018 China Fintech Industry Summit", explaining in detail A (artificial intelligence) B (blockchain) ) C (cloud computing) D (big data) four major technological development trends and their implementation plans in the financial industry, predicting seven future development trends of financial technology.

Technology has quietly changed the ecology of the financial industry

First, the rapid rise of Internet finance has brought about changes in the traditional financial industry.Come a huge impact. First of all, Internet technology has greatly expanded the channels and methods of information dissemination, greatly reduced the phenomenon of information asymmetry, and expanded the customer base of both supply and demand sides of financial services. Secondly, under the Internet financial model, both parties to transactions interact directly online, breaking the limitations of time and space, improving transaction efficiency, and reducing the consumption of intermediate links and intermediate costs. Furthermore, the Internet uses advanced technology to achieve a high degree of real-time sharing of resources, which can gradually realize self-service, automation and systematization of business processing, making transactions more convenient and effective.

Second, a large number of non-financial companies have entered the financial industry, and financial market entities have undergone significant changes. On the one hand, a large number of technology companies have taken advantage of the development opportunities of financial technology to actively obtain financial licenses and provide financial services across borders. "Technology + License" has become a trend. On the other hand, a large number of traditional enterprises with To C service experience have taken advantage of their user scale and actively provided cross-border financial services through the combination of user data resources and financial technology. In addition, a large number of emerging entrepreneurial companies relying on financial technology have become an emerging force in the financial market, and technological and business model innovation in the field of financial technology have become their core competitiveness.

Four major technologies have been implemented in the financial industry

Currently, emerging technologies such as "Big Wisdom Moves to the Cloud" are rapidly evolving, and human society is moving from informatization to digitalization and intelligence. With the in-depth application of emerging technologies such as cloud computing, big data, artificial intelligence and blockchain in the financial industry, the role of technology in finance has been continuously strengthened, innovative financial solutions have emerged one after another, and the development of financial technology has entered a new stage.

Among them, cloud computing technology can provide a unified platform for financial institutions, effectively integrate multiple information systems in the financial structure, eliminate information islands, and fully consider information security, regulatory compliance, data isolation and neutrality. When other requirements are met, it provides strong support for organizations to handle unexpected business needs, deploy services to quickly go online, and realize business innovation and reform. Big data technology has brought a large amount of data in different types and formats to the financial industry. Analysis based on big data can extract valuable information from it, providing information for accurate assessment, prediction, product and model innovation, and improving operating efficiency. new means. Artificial intelligence can replace repetitive human work, improve work efficiency and user experience, and expand sales and service capabilities. It is widely used in customer service, intelligent investment advisory, etc. Blockchain technology can effectively save clearing costs among financial institutions, improve transaction processing efficiency, and enhance data security.

Seven major development trends in financial technology

With the continuous integration of finance and technology, seven major development trends in financial technology will emerge, Han Han said,
< br />The development of cloud computing technology has entered a mature stage, and the application of financial cloud is also moving towards a more core and critical "deep water area". According to a survey by the China Academy of Information and Communications Technology, more than half ofof financial institutions use open source cloud computing technologies such as OpenStack. Traditional computing, network and storage cloud solutions have been homogenized. What customers need is upper-layer PaaS or even SaaS capabilities or even business and commercial solution capabilities. Vendors with practical experience in Internet finance and ecological partners are more favored by customers. The field of cloud places special emphasis on “eating your own dog food”.

The financial industry has abundant data resources, and business development is highly dependent on data. The application of big data technology in the financial field started early and developed rapidly, and has become a basic capability of the financial industry. At present, the application of big data in the financial industry has become very common and mature, and has achieved relatively significant application results. The biggest feature is that the capitalization of data has become increasingly prominent, in-depth big data analysis has become more and more important, and user portraits and Knowledge graph has become the most important technology. In 2017, knowledge graphs suddenly became popular. In addition to traditional entity knowledge graphs, event graphs (describing dynamic relationships) began to become more and more important, that is, real-time requirements are getting higher and higher, and time is money. In addition, another key issue is the legal acquisition of data, which involves legal, policy, technology, mechanism and other issues, and requires the promotion and efforts of all parties.

Artificial intelligence is generally divided into computational intelligence, perceptual intelligence and cognitive intelligence. There are three levels of intelligence. Judging from the current application trends of artificial intelligence in the financial field, computational intelligence, through the combination of big data technology and application, has covered various financial application scenarios such as marketing, risk control, payment, investment consulting, investment research, and customer service. The most important thing about artificial intelligence is AI in all. Many traditional finance businesses are "knowledge-based" businesses, which operate according to rules and experience. Many simple and repetitive tasks have been proven to be completely replaced by AI (such as customer service). Cognitive-based businesses currently see It is also possible that machines are no worse than humans (such as robo-advisory, intelligent marketing). So the most important thing in the financial industry is how to maximize the value of people. The first is risk prevention. AI algorithms may not necessarily be completely correct and need to be supplemented by people in the preparation or review of sample characteristics. The second is financial innovation. Innovation is an art. There is currently no evidence that AI is unique in innovation, so human innovation Very important; the third is to give full play to the value of domain knowledge. The biggest flaw of AI at present is that it cannot work without common sense. Knowledge will become an important watershed for competitiveness. Knowledge maps, business rule supplements, and business data annotations all generate knowledge. means.

Blockchain technology has been receiving widespread attention in recent years. Its technical attributes of being open, non-tamperable and decentralized have inherent advantages in application in the financial field, because essentially blockchain is a An economic model that mainly solves the accounting problem of non-trusted networks. If other technologies are mainly about changes in productivity, blockchain is more like a change in production relations. We have several judgments:

(1) Blockchain technology has not yet matured to the financial level, including whether there are technical problems with alliance chains that are often used in finance. This is still a matter of exploration.process, so you will see that there are no large-scale financial blockchain applications (non-digital currency) online, there are many attempts, and it is still early to popularize;

(2) Because blockchain is not just a technology , so the impact of blockchain in this round of technological revolution is far greater than that of other technologies. There may be disruptive businesses, technologies or companies emerging. This trend is unstoppable. Some people say that this is the spring of the value Internet. It may not be an exaggeration. points;

(3) Blockchain 3.0 is called decentralized application, which means that the application ecosystem will determine the final winner. At present, both public chains and private chains (or alliance chains) have some financial applications, but they are not yet popular, and the winner is still undecided. Big companies may not necessarily have advantages here, and the power of open source cannot be underestimated;

(4) Policy risks are still great, including recent ICOs and token issuances, some of which may be pseudo-innovations.

The country attaches great importance to financial risk prevention and safety supervision. The report of the 19th National Congress of the Communist Party of China clearly stated that it is necessary to "improve the financial supervision system and maintain the bottom line of preventing systemic financial risks." With the widespread application of financial technology, the financial industry ecology has undergone profound changes, and innovations in financial service models represented by Internet finance are emerging one after another. The traditional ex post facto, manual, and traditional structural data-based regulatory paradigm can no longer meet the regulatory needs of new financial technology formats. Regtech, which aims to reduce compliance costs and effectively prevent financial risks, is becoming a financial technology important parts of.

Using regulatory technology, on the one hand, financial regulatory agencies can complete compliance audits more accurately, quickly and efficiently, reduce manpower expenditures, achieve real-time control of financial market changes, and conduct regulatory policies and risks Preventive dynamic matching adjustments. On the other hand, financial institutions can seamlessly connect with regulatory policies, timely self-test and verify business behaviors, complete proactive identification and control of risks, effectively reduce compliance costs, and enhance compliance capabilities. It is foreseeable that in the next 1-3 years, regulatory technology will rely on the management needs of regulatory agencies and the compliance needs of the industry structure, enter a stage of rapid development, and become a flashpoint for financial technology applications.

While technology meets demand, it will also continue to develop and innovate driven by demand. While fintech applications are promoting the transformation and development of the financial industry, financial business development and changes are also constantly generating new technological application needs, which will achieve a reverse drive for fintech innovation and development. This drive can be significantly reflected from the two main lines of development and supervision:

First, at the development level, the application of new technologies promotes the transformation and development of the financial industry towards inclusive finance, small and micro finance, and smart finance. , and the new financial model has derived a series of new needs in marketing, risk control, customer service and other fields, requiring new technological innovations to meet them.

The second is the regulatory level. The combination of the Internet and finance has brought a series of innovationsfinancial business model, but at the same time, the rapid development of Internet financial business has also brought about a series of regulatory issues. It also puts forward new requirements for financial supervision, which requires regulatory technological innovation to achieve and support. Judging from future development trends, as finance and technology become more closely integrated, the mutual driving effect of technology and demand will become more obvious, and the technological innovation and application development of financial technology are expected to enter a more benign cycle of interaction.

Emerging technologies such as cloud computing, big data, artificial intelligence and blockchain are not isolated from each other, but are interrelated, complementary and mutually reinforcing. Big data is the basic resource, cloud computing is the infrastructure, and artificial intelligence relies on cloud computing and big data to promote the development of financial technology into the intelligent era. Blockchain creates conditions for the transformation of financial business infrastructure and transaction mechanisms, and its implementation is inseparable from the support of data resources and computing analysis capabilities.

From the perspective of future development trends, emerging technologies such as cloud computing, big data, artificial intelligence and blockchain are becoming more and more closely integrated in practical applications, and the technical boundaries between each other are constantly weakening. In the future Technological innovation will increasingly be concentrated in technology intersection and integration areas.

Especially in terms of specific application implementation in the financial industry, financial clouds and financial big data platforms are generally constructed in a centralized and integrated manner, and related applications of artificial intelligence will also be deployed and implemented based on centralized platforms. The development of a new generation of information technology is forming an integrated ecosystem and pushing the development of financial technology into a new stage.

『五』Promoting the comprehensive intelligence of the financial industry, the 2018 Smart Finance Summit analyzes the new process of FinTech

The evolution of financial technology has entered a new stage, and new changes in the market are promoting the emergence of new ways of playing. : The trend of comprehensive intelligentization of technology, comprehensive empowerment of identity, and front-end development of licensed institutions has become a definite trend.

Artificial intelligence and blockchain distributed technology have given rise to increasingly intelligent financial services. The new requirements are that competition between single nodes and single technologies is being diluted by the market, while comprehensive and comprehensive hybrid Intelligent financial products and services will have natural competitive advantages, including comprehensive capabilities across the entire chain from technical architecture, risk control, marketing, scenario control, offline operations, etc., so that the market will further become a monopoly.

In addition, with the end of regulatory arbitrage and the fading of demographic dividend, the identity positioning of financial innovation has begun to undergo a fundamental change - regulatory arbitrage and demographic dividend have gradually faded, and it will be difficult for the financial business itself to become an Internet innovative company. The core weapon of the company has gradually transformed into a back-end supplier and enabler of the front-end core.

At the same time, banks, consumer finance companies and other licensed financial institutions have increased their status in the smart finance track and will gradually become mainstream players in the market. With the blessing of Internet financial technology, the decentralization of the traditional financial system will be broken, and the market willThe market is converging on leading companies.

How to interpret the new characteristics of financial technology and cope with the new requirements of the smart finance stage? On June 15, the [2018 Global Intelligence + New Business Summit - Intelligence + New Finance Summit] jointly organized by Yiou and Shanghai Changning District Youth Federation was jointly organized by the Shanghai Municipal Economic and Information Technology Commission, Shanghai Municipal Commerce Commission, and Shanghai Under the guidance of the Changning District Government, we will jointly promote the evolution of smart finance.

The summit will decompose the financial business chain, from the three links of capital end, asset end and third-party infrastructure services, to integrate the intelligence of the financial industry brought by AI technology and blockchain distributed technology, and look forward to the new era. The infrastructure and application landscape of a new generation of smart finance.

The guests attending this conference are mainly business executives from licensed Internet banks and consumer finance companies with prominent technological features. Confirmed guests include founder Ye Daqing, Paipaidai Smart Finance Research Institute Dr. Gu Ming, chief executive, Chen Xi from Xiaomi Finance, Kuang Mi, head of Internet business at Huarui Bank, etc.

At the same time, Xinwang Bank President Zhao Weixing, Shanghai Huarui Bank President Zhu Tao, Baixin Bank Vice President and CIO Kou Guan, Lexin CEO Xiao Wenjie, Ping An Financial One Account CTO Huang Yuxiang , Liu Xin, chairman of Baoyin Consumer Finance, and others are also being further confirmed.

In addition, at this event, the "2018 Banking Industry Technology Innovation Industry Analysis Report" written by the Yiou Think Tank Research Institute will be released, which will provide an in-depth interpretation of financial technology innovation in the banking industry.

For event details and ticket purchases, please click [2018 Global Intelligence + New Business Summit - Intelligence + New Finance Summit]

『Lu』 "Top 50 Global Blockchain Innovations in 2020" "The list was released at the WAIC Blockchain Theme Forum

On July 10, the "Top 50 Global Blockchain Innovations 2020" was re-released at the World Artificial Intelligence Conference Cloud Summit Blockchain Theme Forum. Pound published. This selection event lasted for 6 months and went through multiple stages of planning, collection and selection. It was divided into three sections: infrastructure, protocols and tools, and industrial applications. Through a combination of public voting and expert scoring, the "2020 Global Top 50 Blockchain Innovations”.

The list is jointly produced by Professor Gong Yan of the China-Europe Entrepreneurship Camp and Dalu Think Tank, jointly released by the Shanghai Financial Information Industry Association, and first launched by the World Artificial Intelligence Conference Cloud Summit Blockchain Theme Forum.

With the rise of blockchain as a national strategy and inclusion in new infrastructure, the development of blockchain technology has received increasing attention from governments at all levels, and the application of blockchain technology has also extended to digital finance. , Internet of Things, intelligent manufacturing, supply chain management, digital asset trading and other fields.

Since the global release in 2018Since the Top 50 Blockchain Innovations, the top 50 lists have been released in Singapore, the Asia-Pacific financial center. In 2020, the release location of the "Top 50 Global Blockchain Innovations 2020" returned to China and was released at the World Artificial Intelligence Conference Cloud Summit Blockchain Theme Forum.

This forum is also the first blockchain-themed forum in the history of the World Artificial Intelligence Conference, bringing together the most influential experts and scholars, research institutions, technical representatives, and leading companies at home and abroad. Focusing on "Chain Intelligence Future Empowerment Industry", we will discuss the current status and trends of global blockchain technology and application development, exchange technological innovations of blockchain companies and their integration practices with cutting-edge technologies such as artificial intelligence and the Internet of Things, and focus on displaying blockchain The application results of technology in different scenarios.

Most projects in this selection adopt a combination of public voting and expert scoring, with the weight of public voting being 30% and the weight of expert scoring being 70%. Since a small number of projects are unable to participate in public voting, only expert review methods are used to conduct research selections based on innovation performance.

『撒』 won the GBLS Global Blockchain Annual Technology Value Application Award, and INE Wan Ruicheng was invited to attend the roundtable forum

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INE has been highly recognized by the industry

On January 6, 2019, GBLS Global Sleepless Blockchain Industry The Leaders 2018 Year-End Ceremony was held grandly in Hangzhou, Zhejiang. As an outstanding project party, INE Zhilian Ecosystem won the GBLS Global Blockchain Annual Technology Value Application Award. Project co-founder Wan Ruicheng was invited to attend the roundtable forum.

Representative Wan Ruicheng (third from right), co-founder of INE, came to the stage to receive the award

INE co-founder Wan Ruicheng (first from the right) took the stage to receive the award on behalf of INE

INE co-founder Wan Ruicheng (first from the left) was invited to attend the roundtable forum< /p>

INE co-founder Wan Ruicheng (first from left) was invited to attend the roundtable forum

INE co-founder Wan Ruicheng delivered a speech on behalf of the roundtable forum

GBLS authoritative evaluation system

GBLS has always been known as the "King of All Meetings" in the blockchain industry. This GBLS 2018 year-end ceremony was also unprecedentedly popular, with 1,128 industry leaders attending and 22,810 people participating in the exhibition. It aims to select the best players in the region in the past year. Companies and practitioners who have made outstanding contributions to the blockchain industry give high-quality projects a stage to showcase and promote the healthy development of the blockchain industry.

The selection criteria are comprehensively carried out from multiple dimensions such as product, community, technology, application, investment, etc., gathering 100 top expert think tanks and 1,000 blockchain industry leaders to formulate the authoritative evaluation of the GBLS Blockchain Value Index System, create the first value evaluation system "PBTI model" in the blockchain, and define the value vane of the entire blockchain ecosystem.

GBLS Global Sleepless Blockchain Industry Leader 2018 Year-End Ceremony Site

GBLS Global Sleepless Blockchain Industry Leader 2018 Year-End Ceremony Outstanding Projects

Where does the value application of technology come from?

INE IntelliShare is very honored to be recorded in this GBLS year-end ceremony as an outstanding project with application value. Among the weights of 30% expert review, 15% industry leader review, 15% media review, and 40% public review, INE wonIt is highly recognized in the industry that the application of INE technology is highly feasible and necessary.

In the comprehensive multi-faceted evaluation of GBLS, there are many awards. Why does INE win the Global Blockchain Annual Technology Value Application Award?

1. Existing network requirements

01

Military network is in urgent demand

Mesh network was applied to wireless access network in 2002 First of all, its point-to-multipoint network topology can solve problems such as network-free communication, fast mobile communication, real-time communication, and information confidentiality in military scenarios.

INE Mesh can be used to integrate various military service resources and assist the military in unified command and joint operations. Provide the military with temporary networking, communication command and logistics support wireless network services required for camps, exercises and wartime. Achieve unified command and coordination across different military functional units.

02

Private network for civilian use

The first application of wireless mesh networks was in community access networks. In Japan, Nankoku City has used Mesh networks to connect 13 elementary schools, 4 middle schools, and 18 municipal buildings. In Finland, Nokia's wireless router products can be installed on rooftops and have been favored by more than 50 operators.

At present, most domestic users are deploying Mesh networks. The application solutions involve wireless cities, intelligent transportation, manufacturing and energy, public safety, medical and health, education, residential areas and hotels, temporary networks, etc. etc., the application scenarios are extremely broad. The INE Mesh network has been tested in hotels, public security, temporary networking, manufacturing and energy. The network connection is very smooth, and monitoring is convenient and free of lags.

03

World without network communication

Network-free communication actually covers two levels. One is internal communication in areas without network, and the other is building communication systems in areas without network in the world. The market demand for the latter is huge.

According to surveys, in countries or regions with relatively backward economic development (especially the third world), 57% of the world’s people (approximately 4 billion people) do not have access to the Internet, and are in a completely "no network" situation. "status. 50% of the population already has access to the Internet, but the remaining 50% have long and difficult access to the Internet. In these countries or regions, it is impossible to complete the construction of expensive wired network infrastructure.In contrast, the main goal of wireless Mesh networks is to achieve "last mile" broadband access and provide high-speed data coverage with lower network deployment and maintenance costs.

As of the end of December 2018, INE has signed a strategic cooperation agreement with the Philippines, which symbolizes that the third world countries represented by the Philippines will have a huge market for the INE Mesh network.

2. Potential network blue ocean

Wireless Mesh network is also called "community" "Wireless Network" has become a new, cheap and efficient network structure solution for realizing the next generation of wireless Internet.

AI, Internet of Things, AR sensors, 5G and other technologies spawned in the digital era, as well as the decentralized technology of blockchain, are calling for a more diversified network system, thereby solving the traditional network system’s impact on technology. development constraints.

Kaixiang Zhang, chief architect of WeBank, believes that distributed network is an important implementable application project in the blockchain industry. The current blockchain development is mainly concentrated in the financial industry, and there is huge space in decentralized networks.

3. Already leading the implementation of blockchain distributed network

01

Launched IPFS mining machine

INE has reached a strategic cooperation with Zhongke Huichen, a smart mining equipment hardware manufacturer. In terms of the distributed storage system mining machine IPFS, the distributed network, that is, the technological combination of Mesh, has been opened up. The first phase of 100,000 IPFS+Mesh concept mining machines has been delivered gradually since October 2018.

02

Floor-standing wireless charging

INE and Dianzan Technology - its terminal scenarios have been signed with 7-Eleven, Family and other first-tier convenience stores across the country, and the wireless charging hardware embedded with Mesh network technology modules has entered the mass production period.

03

Implementing smart communities

INE has signed a strategic cooperation agreement with Shawei Community in Futian District, Shenzhen, and will use the INE Mesh network as the underlying network system to build smart communities. The community consensus has designated 40 residential buildings as pilot projects for INE Mesh equipment.

04

Unique landing scene

The 2018 Shanghai Cooperation Organization Summit in Qingdao solved the data security and network connection issues at the conference site and ensured the security of the surrounding monitoring network. Prevent confidential data from leaking.

In 2018, the WPMF World Professional Muay Thai Federation China Division provided information diversion and outfield network security monitoring services, providing real-time control at the event site to prevent emergencies during dense crowds and take timely measures.

05

Implement traditional physical factory

INE has signed a strategic cooperation agreement with Henan Nanyang Niannian Food Co., Ltd. Based on the Mesh network, it will create the integration of blockchain industry + traditional physical industry and build a blockchain distributed network factory; and based on the blockchain spirit, create a distributed business system.

06

Landing in the Third World

The IntelliShare Foundation signed a strategic cooperation agreement with the Philippine ASYA Pacific Foundation, Asian Premier Institution, and Malayan Pacific Power Holdings Corporation (MPPH). INE Mesh technology will support the Internet of Things network and network security of the Philippine petroleum industry, support the low-cost network coverage and emergency network of the Philippine communications industry, and the island network ecology of the Philippine Islands.

Landing is just the beginning

For blockchain projects, implementation is just the beginning, and the ecosystem that is constantly built based on this is the most important part.

This ecosystem must have technical support, perfectly integrate the blockchain’s token economic model, be feasible for implementation, and have a broad market. Adhering to this concept and original intention, INE Intelligent Ecology still forges ahead even in the bear market, and gathers the consensus of all members of the community to wait for the dawn and tomorrow.

『8』 Where is the "2018 Global Media Blockchain Summit" held

On the 19th, 2018, the "Global Media Blockchain Summit" Chain Summit” was held at the Financial Hall of the Hong Kong Exchange. This summit gathered more than 100 media from around the world and dozens of top experts in the industry. At the meeting, everyone witnessed the establishment of the Global Media Blockchain Alliance (BIMG) and the release of the "BIMG Hong Kong Initiative", and conducted in-depth discussions on blockchain development prospects, industry trends and other issues.

Professor Yu Guoming, a member of the Journalism and Communication Discipline Evaluation Group of the Academic Degrees Committee of the State Council and Executive Dean of the School of Journalism and Communication at Beijing Normal University, delivered a speech entitled "Mainstream Media" at the "2018 Global Media Blockchain Summit" The keynote speech of "Value Responsibility in the Technology Wave"

Yu Guoming said: "For the entire social communication in China and other major countries and regions in the world, including the construction process and development process of blockchain, , the communication ecology in the process of evolution, the value of traditional mainstream media should also be indispensable. Although its share has indeed declined in a worrying way, such responsibility and value should be said to still be Very important.”

Yu Guoming further pointed out that traditional mainstream media’s professional persistence, social status granting function and local advantages are its huge advantages. At the same time, with the development of society and Internet technology, blockchain is not only a technology, but also a way of reorganizing society to a greater extent. Yu Guoming said: "In Marx's words a hundred years ago, it is a technical form based on a new Internet technology such as the 'Free Alliance of Free Men'. To a large extent, it is a new form of technology after Internet technology activates individuals. A new form of upgrading social evolution. Such a new form requires mainstream media to play an important role in it, because in the development process of a new social evolution such as blockchain, it is embodied in a systematic science. The so-called emergent evolution means that the micro-power and micro-value released by Internet technology are a qualitative change in the development process and direction. It is a qualitative turning point in social development, field development, industrial development and market development. ."

Witnessed by all the guests, the Global Media Blockchain Alliance (BIMG) was officially established at the meeting. Alliance Secretary-General Ding Laibin pointed out in his speech that blockchain truly uses mechanisms to allow people to see some changes that may occur in the future, and these changes may subvert the current status quo and improve social efficiency by leaps and bounds. In this process, the media function cannot be absent. It should play a supervisory role and exert a strong supervision effect of media and public opinion to allow investors to distinguish right from wrong.

Ding Laibin said: "The media is the public knowledge and conscience of society and the supervisor of industry development. To do this role well, we must be close to the game and stand where the sound of cannons can be heard, so If there was still a distance between traditional media and blockchain in the past, then let us eliminate this distance at today's summit. The listing of any company is not the end, but the starting point. The same is true for many blockchain projects, starting from the beginning Development also requires a lot of disclosure and planning, so that the company can be presented to all the public and investors without reservation, and it must be open, transparent, and consistent from beginning to end. Only in this way can the industry grow healthier and grow more rapidly."

< p>In the "BIMG Hong Kong Initiative" released at the event, Ding Laibin called on the media to join hands to create an industry public opinion environment that is fair, just, legal and honest, vibrant, harmonious and orderly.Make joint efforts; at the same time, encourage the media to be open and inclusive, spread advanced information, encourage ecological innovation in the dissemination of information in the blockchain field, and continue to provide high-grade, high-style, and high-quality information and services.

Content source International Online

『九』2018 Belt and Road Conference Time

1. 2018 will be held in Beijing on June 8-9, 2018 The “One Belt, One Road” Implementation and Promotion Conference.

2. The “Belt and Road” sub-forum of the 2018 China Business Service Conference was successfully held at the Beijing International Convention Center on the morning of August 2, 2018.

3. On August 28, 2018, the theme of "Inclusiveness, The 2018 “One Belt, One Road” high-level conference on intellectual property rights was held in Beijing.

4. On October 30, 2018, the fifth “Belt and Road” Media Cooperation Forum will be grandly opened in Boao, Hainan.

(9) Extended reading of the 2018 Blockchain Shanghai Summit:

The impact of the Belt and Road Initiative

The strategic goals of the “One Belt and One Road Initiative” It is to build a community of interests, destiny and responsibility featuring political mutual trust, economic integration and cultural tolerance. It is for all countries in the world, including Eurasia, to build a mutually beneficial community of interests, destiny and responsibility.

The "One Belt, One Road" initiative is about sharing high-quality production capacity between China and countries along the Silk Road,

jointly discussing project investment, jointly building infrastructure, and sharing cooperation results, including road connectivity and smooth trade. The "five links" such as currency circulation, policy communication, and people-to-people connections shoulder three major missions: to explore the path to economic growth, achieve rebalancing of globalization, and create new regional cooperation.

『Shi』 When will the national standard for blockchain technology be completed

my country has begun to establish a national standard for blockchain technology , to promote the construction of the blockchain standard system from top-level design, which is expected to be completed by the end of 2019 at the earliest.

In this regard, Zhao Wu, founder of Beijing Huashun Xin'an Technology Co., Ltd., also said that although blockchain has disruptive technological potential, we must realize that blockchain The chain is still in its infancy and is far from reaching the stage where it can disrupt the world.

Yu Kequn emphasized that an independent and controllable blockchain network is not technically controlled by others, but can also promote the healthy development of the blockchain. Security is the future life of the blockchain, and only its own security can bring blockchain technology to fruition. This requires us to pay equal attention to the development of its security attributes while developing blockchain technology, and even develop it ahead of time.

In this regard, Li Ming also said that an important part of the standard is the standard of information security, which also shows the importance of security for blockchain technology. He also pointed out that the blockchain standardThe formulation does not mean that it will quickly promote the development of the industry, but it will give certain guidance to the industry. Previously, China had suffered a lot in terms of international intellectual property rights and standards. In terms of blockchain, China has now formed more than 200 patents in international blockchain, and has even stood at the forefront of the world's technology. Therefore, we also need to firmly grasp our right to speak.

Content source: Xinhuanet