区块链信用管理系统,区块链信用管理办法

区块链信用管理系统是一种利用区块链技术来管理信用的系统，它可以帮助企业和个人跟踪和管理信用信息，从而更好地管理信用风险，提高信用管理效率。本文将介绍三个与区块链信用管理系统相关的关键词：区块链信用评分，区块链信用报告和区块链信用管理办法。

区块链信用评分是通过分析企业和个人的信用历史记录，并将其转换成一个可以比较的数字，以衡量其信用状况的一种方法。区块链信用评分系统可以收集和分析企业和个人的信用历史记录，并将其转换成一个可以比较的数字，以衡量其信用状况。它可以帮助企业和个人识别信用风险，从而更好地管理信用风险。

区块链信用报告是一种由企业和个人提供的信用信息的报告，它可以提供有关企业和个人的信用状况的客观信息。区块链信用报告可以收集和分析企业和个人的信用历史记录，以及其他相关信息，并将其组合成一份完整的信用报告，以帮助企业和个人更好地了解和管理信用风险。

区块链信用管理办法是一种由企业和个人采用的信用管理措施，它可以帮助企业和个人更好地管理信用风险。区块链信用管理办法可以帮助企业和个人识别信用风险，并采取适当的措施来管理信用风险，从而提高信用管理效率。区块链信用管理办法还可以帮助企业和个人更好地了解和控制信用风险，从而有效地管理信用风险。

以上就是关于区块链信用管理系统的三个关键词：区块链信用评分，区块链信用报告和区块链信用管理办法的介绍。这三个关键词都可以帮助企业和个人更好地管理信用风险，从而提高信用管理效率。

『一』Blockchain and Distributed Credit

Guest: He Ping, Professor, Department of Finance, School of Economics and Management, Tsinghua University, Director of China Financial Research Center

Blockchain can address the shortcomings of centralized systems and establish decentralized or weakly centralized platforms based on emerging technological paradigms, promote innovations such as credit assessment, traceability, and consensus under new technological paradigms, and develop new technologies based on new technological paradigms. Credit management platform, so this is the huge value that blockchain can potentially bring to the financial sector.

The distributed credit that blockchain may bring is divided into four links, one is distributed credit generation; the other is distributed credit transmission; the third is distributed credit evaluation; the fourth is distributed credit supervision.

Distributed credit generation uses the advantages of distributed accounting methods and data standardization to reshape the credit generation and recording process from the source to achieve "unforgeable" and "untamperable". The standardization of data can ensure the uniformity and comparability of all credit records. The participation of multiple nodes in verification can ensure the accuracy of the information in the records. Distributed storage greatly guarantees the security of information.

Distributed credit transfer is a technical business platform through blockchain technology, allowing each credit subject to transfer its own credit. The most important thing in credit transmission is to trace the source of the credit and whether it is reliable, leaving traces throughout the process. The credit of core enterprises can be transmitted downstream or upstream through the supply chain. In the future, more important credit transmission may come from more participants, which can be investors, consumers, financial institutions, core enterprises, and blockchain The chain can ensure that credit transmission in the supply chain will not decay.

Distributed credit assessment means that we can collect various types of data through blockchain technology, such as industry and commerce, litigation, taxation, etc. The source of these data is the subject of each credit assessment, and the credit needs of the subject are assessed. Evaluation, and can use blockchain technology to perform cross-validation and zero-knowledge proof on the premise of ensuring information security and privacy, and achieve trust consensus under the premise of privacy protection.

Distributed credit supervision uses blockchain technology to supervise, punish or reward credit subjects in all aspects of social life to achieve collective maintenance of credit. At the same time, joint punishment will be carried out. In the future, the scope of punishment, supervision and collective maintenance can be further expanded through blockchain technology.

Distributed credit is completely different from the traditional centralized credit system. It can alleviate the problem of difficult and expensive financing for small and medium-sized enterprises and promote the transformation of important economies into innovative economies. It helps to price credit risk more accurately, facilitates the allocation of credit risk, reduces credit risk through credit supervision, and controls the risk of the entire financial system. In the future, the centralized model and the blockchain distributed application model will inevitably be good at each other and complement each other. Blockchain distributed creditThe supplement and improvement of the centralized system will play an important role in the improvement of China's financial system and even the international financial system.

『二』What is blockchain + credit reporting?

my country’s credit reporting industry is mainly corporate credit reporting, personal credit reporting needs to be developed, and the overall market prospect is broad. my country's corporate credit reporting developed earlier and the market is relatively mature. By the end of 2016, there were approximately 137 corporate credit reporting agencies in my country that had completed registration. Personal credit reporting has not yet been market-oriented, and licenses have not yet been issued. Tencent Credit Reporting, Zhima Credit Reporting, Qianhai Credit Reporting, Lakala Credit Reporting, Zhongzhicheng Credit Reporting, China Chengxin Credit Reporting, Pengyuan Credit Reporting and Huadao Credit Reporting Eight other units participated in the personal credit investigation pilot organized by the central bank. Private personal credit reporting agencies can indirectly participate in the personal credit reporting market by cooperating with banks and other financial institutions, but they cannot directly issue personal credit reporting reports. Personal credit reporting reports can only be obtained through the central bank's credit reporting system. As of the end of June 2016, the Central Bank's Credit Reference Center had included 21.2 million companies and other organizations and more than 900 million natural persons, of which only 5.77 million households and 410 million natural persons had credit records. The data of global credit giant Experian has covered 103 million companies and 890 million people around the world. Comparing the market demand and the scale of the credit reporting market in the United States, my country's credit reporting market has huge room for future development.

The emergence of blockchain technology has become a good medicine to solve the pain points of the credit reporting industry. Through the characteristics of true transparency and non-tampering, blockchain technology can solve the problems of trust and data sharing between credit reporting agencies, thereby solving problems such as data islands and incomplete data. By establishing an alliance chain, first of all, the problem of data confirmation can be solved be completely resolved. In a consortium chain system, relevant units in the chain such as credit reporting agencies, users, government departments, and financial institutions can all join in, and different access rights can be designed to ensure data ownership while opening up information sharing and It can protect data security from being stolen and leaked.

On this basis, the channels for credit reporting agencies to obtain data have been greatly broadened, which can save the cost of data collection; at the same time, collaboration between different agencies has become smoother, reducing collaboration costs and communication costs. Credit reporting agencies can invest the various costs saved in other links to improve the overall quality of products.

The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only “blockchain technology workstation” approved by the “Smart Learning Workshop 2020- Xueshuo Innovation Workstation” carried out by the School Planning and Construction Development Center of the Ministry of Education of China. "Technical Professional" pilot workstation. The professional position is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

『三』What are the advantages of blockchain

The advantages of blockchain are mainly reflected in the following points:
1. Decentralization
Due to the use Distributed computing and storage, no centralized hardware or management organization, any controlThe rights and obligations of nodes are equal, and the data blocks in the system are jointly maintained by nodes with maintenance functions in the entire system.
2. Openness
The system is open. In addition to the private information of the transaction parties being encrypted, the blockchain data is open to everyone, and anyone can query the blockchain through the public interface. Data and development related applications, so the entire system information is highly transparent.
3. Autonomy
The blockchain adopts consensus-based specifications and protocols (such as a set of open and transparent algorithms) to enable all nodes in the entire system to exchange data freely and securely in a trustless environment. , so that trust in "people" is changed to trust in machines, and any human intervention has no effect.
4. Information cannot be tampered
Once the information is verified and added to the blockchain, it will be stored permanently. Unless more than 51% of the nodes in the system can be controlled at the same time, otherwise the database will not be modified on a single node. Modifications are invalid, so the data stability and reliability of the blockchain are extremely high.
5. Anonymity
Since the exchange between nodes follows a fixed algorithm, the data interaction does not require trust (the program rules in the blockchain will judge whether the activity is valid by itself), so the counterparty does not need to Making the other party trust you by disclosing your identity is very helpful for the accumulation of credit.

As above, there are many applications of blockchain now, and it has been applied to various fields, such as GSN in social banking. GSN can effectively reduce financial risks by applying blockchain technology to finance. Because the credit management level of participating market entities will be improved due to the application of blockchain technology, on the other hand, it will also be conducive to the construction and improvement of the entire social credit system.

Secondly, GSN can transform traditional credit management based on experience and system design into a blockchain management model supported by heavy technical means. By introducing GSN, this advanced information management technology, it will help improve credit management. The technological content improves the accuracy and rigor of management.

Finally, GSN can effectively reduce the current high cost of social credit, open up the information islands between credit information, and effectively prevent the loss, leakage or tampering of social credit information. Blockchain has a wider range of application scenarios in building a social credit trust system and promoting digital inclusive credit reporting.

『四』Blockchain Information Service Management Regulations

According to the relevant laws of our country, blockchain information service providers should provide services within ten working days from the date of provision of services. Complete the registration procedures through the Blockchain Information Service Registration Management Department of the State Internet Information Office.
Blockchain filing means that according to the "Blockchain Information Service Management Regulations", information services provided to the public through Internet sites, applications, etc. based on blockchain technology or systems need to be registered and filed. "Blockchain Information Service ManagementThe Regulations were reviewed and approved by the Office of the Cyberspace Administration of China and will come into effect on February 15, 2019.
Whether it is a public chain, a consortium chain, or a private chain, it is theoretically within the scope of registration; "information services" refer to blockchain media, market information, community and other services that are not based on blockchain technology or system operation. , does not fall within the scope of filing. Blockchain registration is only a registration of the subject’s blockchain information services and does not represent recognition of its institutions, products and services. No institution or individual may use it for any commercial purpose.
As long as they are based on blockchain technology or systems and provide information services to the public through Internet websites, applications, etc., including BaaS platforms, Yuanverse, digital collections, and NFT services, they also belong to the blockchain. Blockchain information service registration is required.
Blockchain registration process:
1. Enter the official website of the registration system, register an account, fill in the basic information, and after the registration is completed, you can log in to the registration system with your mobile phone number.
2. After logging into the filing system, the applicant should gradually fill in the application subject information, person in charge information and service information according to the system guidance, upload the materials and pictures required by the filing system, and then submit.
3. Wait for the review by the Cyberspace Administration of China and receive a reply within twenty working days.
4. After passing the office review, obtain the registration number. Blockchain information service providers that have completed archiving should display their archiving number in conspicuous locations on their Internet websites, applications, etc.
Legal basis:
"Blockchain Information Service Management Regulations"
Article 11 Blockchain information service providers shall pass the National Internet Information Office District within ten working days from the date of providing services. The blockchain information service registration management system fills in the service provider's name, service category, service form, application field, server address and other information, and performs the registration procedures.
If a blockchain information service provider changes its service items, platform URL, etc., it shall go through the change procedures within five working days from the date of change.
If a blockchain information service provider terminates its services, it shall go through the cancellation procedures thirty working days before terminating its services and make appropriate arrangements.
Article 12 After receiving the filing materials submitted by the filing party, the national and provincial, autonomous region, and municipality Internet Information Offices shall, if the materials are complete, file the filing within twenty working days, issue a filing number, and submit the filing through the National Internet The Blockchain Information Service Registration Management System of the Information Office publishes the registration information to the public; if the materials are incomplete, the registration will not be granted, and the filing party will be notified within 20 working days and the reasons will be explained.

『Wu』Why is blockchain technology conveying credit value?

Blockchain has decentralization, non-tampering, trustworthiness, traceability, and network-wide accounting Advantages
The most important thing about blockchain is that it solves the problem of intermediary credit. In the past, it was difficult for two people who did not know and trust each other to achieve collaboration, and they had to rely on a third party. For example, in payment behavior, any kind of transfer in the past required a bank orOr institutions like Alipay exist. However, through blockchain technology, Bitcoin is the first time that humans have realized the transfer behavior that both parties can trust without the participation of any intermediary agency. Guarantees, loans, credit, risk control, equity, income, and ratings based on blockchain are all possible. The value Internet attributes of blockchain enable various economic activities to run more efficiently. Whether it is ordinary people in society or various economic people, it will be mapped to a "blockchain ID" to form a new moral system, evaluation standards, credit records, etc.

『Lu』What are the applications of blockchain in the industry

Take the tourism industry as an example. Blockchain applications are mainly concentrated in travel, travel community reviews, digital identity management, and credit consumption. Application areas include management and tracking of pilots' professional certificates and qualifications, hotel and airline loyalty programs, reservation management, and consumption points management. In addition, with the development of blockchain, many related top domain names have been registered, which has had a relatively large impact on the domain name industry. In addition, blockchain also has applications in finance, games, entertainment and other fields.

『撒』 Blockchain 100 - Zhou Kaiyu: Can blockchain credit investigation innovation break the credit barriers in the industry

Mr. Zhou Kaiyu, CEO of Zhenxing Technology

At present, credit reporting has become a key part of the credit system and forms an important support in the operation of the modern financial system. There are certain difficulties and pain points in traditional credit reporting, but the decentralized and non-tamperable characteristics of blockchain will change in one fell swoop the issues of insufficient data privacy protection involved in the credit reporting process and consensus trust issues in the data sharing transaction process.

Mr. Zhou Kaiyu elaborated on the advantages of the combination of blockchain and credit reporting, and described the development status of the blockchain credit reporting industry at the legal level. At the same time, he expressed his views on the future development of Zhenxing Technology and the future direction of blockchain innovation.

Zhenxing Technology is positioned as a blockchain value ecological enterprise and is committed to building the next generation of trusted application service basic network based on blockchain. In June 2017, the company established a stable team structure and carried out related technical matters. From July to August, the first version of Zhenxing’s technical white paper was completed. At present, Zhenxing has implemented the first version of the system and has also started to provide related services in terms of blockchain-based identity verification. In the later stage, further development based on the second version of the credit evaluation system will be carried out.

In terms of ecological construction in the future, Mr. Zhou Kaiyu said that the blockchain credit industry has both value and opportunity. He hopes that industry partners with some high-quality resources on the B-side in the early stage can jointly expand services and eventually achieve A large number of users gather on the C-side, creating an ecological environment for high-credit preference transaction customers. In terms of the company's development plan, Zhenxing will break the inherent thinking of traditional blockchain anonymous verification, build a decentralized strong identity verification basic network, and integrate a trusted Internet service ecosystem.

Choose items that combine credit reporting with blockchainOriginal intention of the project

“Choose blockchain to develop because it has a community-based consensus reward for maintaining stability of the entire system. Consensus reward is a process of social value redistribution, and social value redistribution In the process, a value effect is formed in which the wool comes from the pig and is paid by a third party. While achieving credit value, it is a means to encourage everyone to maintain high credit." Mr. Zhou Kaiyu said.

According to Mr. Zhou Kaiyu, in the traditional credit reporting process, data is processed in a traditional centralized way. The data exists on a centralized platform, but it is difficult to verify the security of user data. The issue of personal privacy data has attracted attention from society, government, enterprises and other levels. Blockchain will form a combination with blockchain through the credit alliance.

At the same time, the Block Hall Chain can combine some personal security mechanisms to achieve comprehensive and strict protection of personal privacy data and complete credit reporting services with authorized attributes. Zhenxing’s credit reporting service combines the advantages of blockchain, using personal data and individuals themselves to provide diversified credit reporting services through data services.

What are the advantages of the combination of blockchain and credit reporting?

When it comes to the combination of blockchain and credit reporting, its main core lies in the data level, since credit reporting uses a large amount of user data. In a decentralized system like blockchain, data needs to be maintained jointly by everyone. It is difficult for anyone to change the data. This can clearly guarantee the security of user data. Any access to data requires user authorization. occur.

Regarding the current legal status of blockchain credit reporting, Mr. Zhou Kaiyu introduced, “In terms of credit reporting, the country has many management regulations to regulate the processing of customer data by enterprises. Blockchain + reporting In terms of information, it is a very good technical method." In his view, “Blockchain + credit reporting has become the only basic technology that can fully meet all requirements in terms of privacy protection when most technologies cannot meet the needs of credit reporting.”
< br />What are the options for future blockchain innovation directions?

Mr. Zhou Kaiyu said that the development of blockchain is still in an early stage, and there is huge room for future innovation in blockchain. Currently, we are optimistic about the direction of innovation, such as asset digitization. Asset digitization will be a relatively long process, and various applications will continue to emerge during development. In terms of technological innovation, blockchain still has a lot of room, and more attempts are being made in new directions of upgrading and balancing.

Zhenxing hopes to build a value exchange ecology with high performance value, and hopes that under its nourishment, everyone will be happy to maintain their personal credit, and everyone will be able to participate in the credit transaction process. gain from it. In the future development of Wuxiaokai, we will maintainThe core concept is to protect high credibility and crack down on people who break their trust.

『8』 How blockchain and zero-knowledge proof work in the credit system

Zero-knowledge proof in the blockchain plays an important role in privacy protection. It plays an important role in credit Naturally, there are no exceptions in the system, but which link in the system and how it functions is a question worth thinking about and studying.

First, credit issues cannot rely entirely on technical reliability. Government authority is sufficient for some issues, such as household registration and identity information. There is no need for further questioning on these issues.

Second, the usage scenario of blockchain evidence storage should be the scenario where there is a long quantitative chain of evidence, such as monthly and annual summary based on flow statistics to ensure that the calculation process of summary is not Fraud. The flow details are in the upstream of the evidence chain, and the time is beforehand. If you falsify upstream, you can falsify months or years in advance. The planning ability of the attacker and the cost of falsification are much higher. To a certain extent, it is economically feasible to prevent fraud.

In fact, this involves the issue of closure of domain events on the chain mentioned above. For areas where it is almost impossible, or where there is no realistic possibility of complete closure in the foreseeable future, the degree of closure is a gray level issue. If you trace it upstream along the logical chain of events and upload them to a certain level, attacks will be impossible. When attackers' attacks become quite or extremely difficult, blockchain applications will generate value and do not require complete closure. In this way, the value field of the blockchain will break through the virtual currency and decentralized financial defi, which are completely closed to the chain. The system can be expanded. This logic is not limited to the credit system, but applies to the general logic of combining blockchain and fields. To give another example, whether the traceability system can achieve the anti-counterfeiting function depends on whether the depth of the traceability in the evidence chain is enough to cause the dilemma of the counterfeiter. Without examining this point, it is only a formal use of blockchain evidence. meaningless.

So we can almost get a theorem:

The value level of blockchain in domain applications is directly proportional to the traceability depth of the evidence chain.

Then the second question that follows is: tracing back along the chain of evidence, the further upstream, the closer to the privacy of the subject (citizen privacy or organizational business secrets). The solution to this problem is where zero-knowledge proofs come into play and how they work. The application value of many zero-knowledge proofs is unclear. Now we consider it in the context of the evidence chain and it will become clear:

1. Zero-knowledge proofsMing is used to handle the quantitative evidence chain traceability process, and complete the traceability without revealing the plain text details of the upstream evidence chain. It not only plays the role of the blockchain in tracing along the evidence chain, but also protects privacy.

2. For scenarios where traceability is not necessary, the evidence chain does not exist, and the role and significance of zero-knowledge proof are also unclear. For example, for general identity and household registration information, administrative authority should be considered credible and there is no need to trace it back. Note that the evidence chain mentioned here is not a causal relationship in the physical sense, but a value trade-off through system application goals.

To summarize:

1. Use blockchain technology to retain the upstream of the evidence chain. 2. The further upstream the evidence chain is, the closer it is to citizen privacy. Use zero-knowledge proof to protect privacy

1. Refer to zkledger of MIT Media Lab and use blockchain combined with zero-knowledge proof to deal with citizens and organizations Summary reporting issues of financial and taxation processes.

2. The technical problem that needs to be solved is that in the zkledger scenario, there are only a few large transactions of a few banks, and the amount of data is small. However, when used in individual citizen scenarios, the amount of data is huge and requires Find ways to resolve performance issues.

『九』 Blockchain Information Service Management Regulations

Article 1 is to regulate blockchain information service activities, safeguard national security and social public interests, and protect citizens, legal persons and others The legitimate rights and interests of the organization and promote the healthy development of blockchain technology and related services, in accordance with the "Cybersecurity Law of the People's Republic of China", "Measures for the Administration of Internet Information Services" and the "Notice of the State Council on Authorizing the National Internet Information Office to be responsible for the management of Internet information content" 》, formulate these regulations. Article 2 Those engaged in blockchain information services within the territory of the People's Republic of China must comply with these regulations. If laws and administrative regulations provide otherwise, such provisions shall prevail. The term "blockchain information services" as mentioned in these regulations refers to the provision of information services to the public through Internet websites, applications, etc. based on blockchain technology or systems. The term "blockchain information service provider" as mentioned in these regulations refers to the entities or nodes that provide blockchain information services to the public, as well as the institutions or organizations that provide technical support to the entities of blockchain information services; the term "blockchain" as mentioned in these regulations refers to the entities or nodes that provide blockchain information services to the public. Chain information service users refer to organizations or individuals who use blockchain information services. Article 3 The Cyberspace Administration of China shall be responsible for the supervision, management and law enforcement of blockchain information services nationwide in accordance with its duties. The Internet Information Offices of provinces, autonomous regions, and municipalities directly under the Central Government are responsible for the supervision, management and law enforcement of blockchain information services within their respective administrative regions according to their responsibilities. Article 4 Encourage blockchain industry organizations to strengthen industry self-discipline, establish and improve industry self-discipline systems and industry standards, guide blockchain information service providers to establish and improve service specifications, promote the construction of industry credit evaluation systems, and supervise blockchain information servicesProviders provide services in accordance with the law, accept social supervision, improve the professional quality of blockchain information service practitioners, and promote the healthy and orderly development of the industry. Article 5 Blockchain information service providers shall implement information content security management responsibilities and establish and improve management systems for user registration, information review, emergency response, and security protection. Article 6 Blockchain information service providers shall have technical conditions suitable for their services. For information content prohibited by laws and administrative regulations, they shall have immediate and emergency response capabilities and technical solutions for the release, recording, storage, and dissemination of information content prohibited by laws and administrative regulations. It should comply with relevant national standards and specifications. Article 7 Blockchain information service providers should formulate and disclose management rules and platform conventions, sign service agreements with blockchain information service users, clarify the rights and obligations of both parties, and require them to promise to abide by legal regulations and platform conventions. Article 8 Blockchain information service providers shall, in accordance with the provisions of the "Cybersecurity Law of the People's Republic of China", collect the real identity information of blockchain information service users based on organizational codes, ID number or mobile phone number, etc. Certification. If users do not authenticate their real identity information, blockchain information service providers shall not provide relevant services for them. Article 9 If a blockchain information service provider develops and launches new products, new applications, or new functions, it shall report to the national and provincial, autonomous region, or municipality Internet Information Office for security assessment in accordance with relevant regulations. Article 10 Blockchain information service providers and users shall not use block chain information services to engage in activities that endanger national security, disrupt social order, infringe upon the legitimate rights and interests of others, or other activities prohibited by laws and administrative regulations, and shall not use block chain information services to produce , copy, publish, and disseminate information content prohibited by laws and administrative regulations. Article 11 Blockchain information service providers shall fill in the name, service category, service form, and application of the service provider through the Blockchain Information Service Registration Management System of the Cyberspace Administration of China within ten working days from the date of provision of services. Domain, server address and other information, and complete the filing procedures. If a blockchain information service provider changes its service items, platform URL, etc., it shall go through the change procedures within five working days from the date of change. If a blockchain information service provider terminates its services, it shall go through the cancellation procedures thirty working days before terminating its services and make appropriate arrangements. Article 12 After receiving the filing materials submitted by the filing party, the national and provincial, autonomous region, and municipality Internet Information Offices shall, if the materials are complete, be filed within twenty working days, issue a filing number, and pass the filing through the State Internet Information Office District The blockchain information service filing management system publishes filing information to the public; if the materials are incomplete, the filing will not be granted, and the filing person will be notified within twenty working days and the reasons will be explained. Article 13 Blockchain information service providers that have completed registration shall indicate their registration number in a prominent position on the Internet websites, applications, etc. that provide services to the outside world. Article 14 The Internet Information Office of the state and provinces, autonomous regions, and municipalities directly under the Central Government shall conduct regular inspections of blockchain information service registration information. Blockchain information service providersYou should log in to the blockchain information service filing management system within the specified time and provide relevant information. Article 15 If the blockchain information services provided by a blockchain information service provider have potential information security risks, they must make rectifications and comply with laws, administrative regulations and other relevant provisions and relevant national standards before they can continue to provide information services. Article 16 Blockchain information service providers shall take warning, function restriction, account closure and other disposal measures against blockchain information service users who violate laws, administrative regulations and service agreements in accordance with the law and contract, and deal with illegal information content Take corresponding measures in a timely manner to prevent the spread of information, save relevant records, and report to the relevant competent authorities. Article 17 Blockchain information service providers shall record information such as content and logs released by blockchain information service users, record backups shall be kept for no less than six months, and shall be provided when relevant law enforcement authorities inquire according to law. Article 18 Blockchain information service providers shall cooperate with the supervision and inspection implemented by the cybersecurity and informatization department in accordance with the law, and provide necessary technical support and assistance. Blockchain information service providers should accept social supervision, set up convenient complaint and reporting portals, and handle public complaints and reports in a timely manner. Article 19 Blockchain information service providers violate Article 5, Article 6, Article 7, Article 9, Article 11, Paragraph 2, Article 13, Article 15, Article 10 of these Regulations As stipulated in Articles 7 and 18, the national and provincial, autonomous region, and municipal Internet information offices shall give a warning in accordance with their duties and order them to make corrections within a time limit. The relevant business shall be suspended before making corrections; if they refuse to make corrections or the circumstances are serious, they shall also be fined 5,000 yuan. A fine of not less than 30,000 yuan but not more than 30,000 yuan shall be imposed; if a crime is constituted, criminal liability shall be pursued in accordance with the law. Article 20 If a blockchain information service provider violates the provisions of Articles 8 and 16 of these Regulations, the Internet Information Office of the country and provinces, autonomous regions, and municipalities directly under the Central Government shall, in accordance with their duties and in accordance with the provisions of the Cybersecurity Law of the People's Republic of China, be processed. Article 21 If a blockchain information service provider violates the provisions of Article 10 of these Provisions by producing, copying, publishing, or disseminating information content prohibited by laws and administrative regulations, the Internet Information Office of the country, provinces, autonomous regions, and municipalities directly under the Central Government shall, on the basis of Responsibilities include giving a warning and ordering correction within a time limit, and relevant business should be suspended before correction; if the violation is refused or the circumstances are serious, a fine of not less than RMB 20,000 but not more than RMB 30,000 will be imposed; if a crime is constituted, criminal liability shall be pursued in accordance with the law. If users of blockchain information services violate the provisions of Article 10 of these Provisions and produce, copy, publish, or disseminate information content prohibited by laws and administrative regulations, the national and provincial, autonomous region, and municipality Internet Information Offices shall, in accordance with relevant laws and administrative regulations, regulations will be dealt with. Article 22 If a blockchain information service provider violates the provisions of Article 11, Paragraph 1 of these Regulations, fails to perform registration procedures in accordance with these Regulations or fills in false registration information, the Internet Information Office of the country, province, autonomous region, or municipality directly under the Central Government shall According to their duties, they shall be ordered to make corrections within a time limit; if they refuse to make corrections or the circumstances are serious, they shall be given a warning and fined not less than RMB 10,000 but not more than RMB 30,000. Article 23 Engage in blockchain before the promulgation of these regulationsFor information services, relevant procedures shall be completed in accordance with these regulations within twenty working days from the date when these regulations come into effect. Article 24 These regulations will come into effect on February 15, 2019.

『Shi』 What fields are blockchain suitable for?

The first one is the information security industry.
The second one is the bill business field
The third one is the payment and settlement business.
Fourth, identity/account authentication business.
Fifth, each node participating in the maintenance of the equity proof blockchain can obtain a complete data record. Using the characteristics of reliable and collective maintenance of the blockchain, the rights of the owners of equity can be confirmed.
Blockchain technology is really powerful. With the advancement of the times, this technology may change the development direction and trend of the financial industry, and because the blockchain technology itself has large capacity, high-speed computing, security, and convenience And other characteristics have laid a strong foundation for the advancement and popularization of technology.