区块链领域的应用和投资机会有哪些,区块链领域的应用和投资机会是什么

近年来，随着区块链技术的发展，越来越多的人开始关注区块链领域的应用和投资机会。那么，区块链领域的应用和投资机会有哪些呢？本文将为大家介绍三个与区块链相关的关键词，分别是去中心化应用，智能合约和加密货币投资。

去中心化应用是指使用区块链技术来开发的应用程序，它使用区块链技术构建的去中心化数据库来保存数据，而不是使用传统的中心化数据库。去中心化应用具有更高的安全性、可靠性和可信度，可以有效避免数据泄露，提高数据安全性，使用户能够安全地使用服务。此外，去中心化应用还可以减少传统中心化应用的开发成本，更加便捷地提供服务。

智能合约是一种基于区块链技术的自动执行协议，它可以在区块链网络上自动执行合同，无需任何中介机构就可以实现双方的交易。智能合约可以实现自动执行、可信赖、可追踪、不可篡改等特点，可以有效提高交易效率、降低交易成本，为传统行业提供新的发展机遇。

加密货币投资是指投资者通过购买加密货币，例如比特币、以太坊等，来获得投资回报。由于加密货币市场的高度波动性，加密货币投资具有较高的投资风险，但也具有较高的投资回报空间。因此，加密货币投资也是区块链领域的一大投资机会。

以上就是区块链领域的应用和投资机会的三大关键词，分别是去中心化应用、智能合约和加密货币投资，这些关键词都可以为投资者提供更多的机会，帮助他们获得更好的投资回报。

Ⅰ The current status of blockchain application scenarios in the insurance field and what are the future development trends

Although the application of blockchain technology in the insurance industry is mostly in the technical verification stage, the application The rapid development of the scenario already indicates that this technology will have a transformative impact on the insurance industry. Some IT giants such as Microsoft, IBM, Oracle, Alibaba, Tencent, etc. have begun to deploy in the field of blockchain, and some have even launched products or services based on blockchain technology.
According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in China's Blockchain Industry" by the Qianzhan Industry Research Institute, the current application of blockchain in the domestic and foreign insurance industry mainly includes the following categories: The first category is the use area Blockchain technology can complete insurance contracts in accordance with established rules when a certain condition is triggered when data is scattered at multiple points, such as flight delay insurance, unemployment insurance, etc.; the second category is in the field of reinsurance and co-insurance. In the transaction matching and settlement of mutual insurance business, blockchain is used to enhance the efficiency and transparency of transactions and settlements; the third category is used to track the production/growth process of commodities, using the traceability characteristics of blockchain for tracking The farming process of agricultural products or the production and circulation of valuables.
In the long run, the application of blockchain in the insurance industry has broad development prospects and numerous business convergence points, and is very likely to bring about revolutionary and disruptive changes.

II Blockchain Application Prospects

Blockchain application prospects are mainly in the financial field, the Internet of Things and logistics, public services, digital copyright management, and insurance. .

1. Blockchain has huge potential application prospects in financial fields such as international exchange, letters of credit, equity registration and stock exchanges. The application of blockchain technology in the financial industry can eliminate the need for third-party intermediaries and achieve direct point-to-point connection.

2. Blockchain can also be naturally combined in the Internet of Things and logistics fields. This field is considered to be a promising application direction of blockchain. Establishing credit resources in the blockchain can double improve the security of transactions and improve the convenience of IoT transactions. Save time and cost for smart logistics model applications.

3. Blockchain is closely related to people’s production and life in public management, energy, transportation and other fields. The decentralized and fully distributed DNS service provided by the blockchain can realize domain name query and resolution through point-to-point data transmission services between various nodes in the network.

4. Through blockchain technology, works can be authenticated, proving the existence of text, video, audio and other works, and ensuring the authenticity and uniqueness of ownership. After the rights of the work are confirmed on the blockchain, subsequent transactions will be recorded in real time, realizing full life cycle management of digital copyright, and can also be used as a technical guarantee in judicial evidence collection.

5. In terms of insurance claims, insurance institutions are responsible for fund collection, investment, and claims settlement, and often have high management and operating costs. Through the application of smart contracts, there is no need for the policy holder to apply or the insurance company to approve it.Compensation conditions are met to realize automatic compensation of insurance policies.

(2) Extended reading on applications and investment opportunities in the blockchain field:

Core technology of blockchain

1. Consensus mechanism, through special nodes The voting can complete the verification and confirmation of the transaction in a very short time; for a transaction, if several nodes with unrelated interests can reach a consensus, it can be considered that the entire network can also reach a consensus on it. The goal of the blockchain consensus mechanism is to enable all honest nodes to maintain a consistent view of the blockchain.

2. Asymmetric encryption requires two keys for encryption and decryption. These two keys are the public key and the private key. The public key corresponds to the private key. When the public key is used in the encryption process of data, it can only be decrypted by using the corresponding private key. On the contrary, when the private key is used in encrypting the data, only the corresponding private key can be used to decrypt the data. Only the corresponding public key can be decrypted.

III What are the applications of blockchain in the industry

Taking the tourism industry as an example, blockchain applications are mainly concentrated in travel, travel community reviews, digital identity management, credit consumption management, Tracking pilots' professional certificates and qualifications, hotel and airline loyalty programs, reservation management, and consumer points management are several application areas. 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.

IV What are the applications of blockchain in the industry

——The following data and analysis are from the "Business Model Innovation and Investment Opportunities in China's Blockchain Industry" by the Qianzhan Industry Research Institute In-depth analysis report".

Currently, blockchain applications have extended from a single digital currency application to various areas of the economy and society, such as the financial industry, copyright protection, traceability and anti-counterfeiting, energy industry, sharing economy, Internet of Things, and many more in the field.

Financial field: the broadest application prospects. Although in the long term, blockchain has application potential in many aspects. But in general, blockchain currently has the best application prospects in the financial field, and related technologies are also developing the fastest. Blockchain systematically solves the pain points and stubborn problems in the entire business chain for financial institutions. Its "systematicity" is mainly reflected in three aspects: Blockchain technology can be applied to different banking services, from payment and settlement to bill circulation and From supply chain finance to more complex securities issuance and trading and other core business areas, financial institutions and technology companies are actively exploring and trying. The benefits brought by blockchain technology will benefit all transaction participants, including banks, bank customers, and bank partners (such as platform companies, etc.). Most of the pain points currently existing in various processes of financial services, such as efficiency bottlenecks, transaction delays, fraud and operational risks, are expected to be solved after the application of blockchain technology. For example, a large number of manual operations, manual verification and approval work in the existing process will be automated, paper contracts will be replaced by smart contracts, and system errors will no longer occur in the transaction processing link.resulting in losses.

Copyright field: Blockchain technology solves copyright maintenance problems. With the development of the Internet, digital publishing has formed a relatively complete industrial chain, bringing considerable income to online writers and other relevant participants. But on the other hand, infringement and piracy restrict the further development of digital publishing, and all parties involved are suffering from it. Although the country has introduced various policies to solve the problem of copyright protection, it is difficult to fundamentally solve it due to limited technical means.

The mathematical principles of blockchain technology solve the problem of ownership confirmation during the transaction process. The recording, transmission, and storage results of value exchange activities are all credible, and can completely solve the problem of copyright protection. Once the information recorded in the blockchain is generated, it will be permanently recorded and cannot be tampered with. Only by possessing more than 51% of the total computing power of the entire network can it be possible to modify the latest generated block record.

IV The future development prospects of blockchain

1. Blockchain has become the forefront of global technological development and opened up a new track for international competition. Blockchain will become a new key infrastructure to further accelerate the development of the digital economy, lead a new round of global technological change and industrial change, and become the "source" of technological innovation and model innovation. The world's major developed countries will further pay attention to blockchain technology, intensively introduce relevant policy plans, increase industrial support and guidance, and enhance the competitiveness of their country's blockchain technology and industry.
2. The digital currency bubble gradually cools down. With the spread and popularization of the concept of blockchain technology, more and more people will realize that Bitcoin is not equivalent to blockchain, and various air coins will be gradually eliminated. Blockchain technology innovation will return to a more rational track. Technical features such as decentralization, multi-party collaboration, and anti-calculation tampering will be highly valued by relevant industries. Some industries with strong innovation capabilities will continue to emerge with blockchain applications that have been transformed based on industry characteristics.

VI What are the application directions and prospects of China’s blockchain?

Since 2019, blockchain has been constantly mentioned. As a key technology for the next generation of Internet, governments and giant companies of various countries have stepped up their efforts in the research and application of blockchain, and the competition for the right to formulate industry standards has become increasingly fierce.
According to the "2019-2020 Global Blockchain Technology Layout and Business Investment Trend Research Report" released by iiMedia Consulting, with the further liberalization of policies in the future, China's blockchain industry will usher in a stage of rapid development and is expected to Enter the first echelon of the global blockchain industry in an all-round way.
1. Protection of policy dividends, accelerated formation of technical standards system
The importance of blockchain technology to the new round of industrial transformation has received increasing attention, and major countries around the world have accelerated the research and development of blockchain technology. , but because the industry has not yet formed a unified technical standard system, blockchain is still subject to many restrictions in application and promotion.
2. Ending the barbaric growth, the industry has entered a new stage
After the capital winter in 2018, a large number of blockchain companies were eliminated, the overall popularity of the industry declined, and capitalReturning to rationality, the barbaric growth stage of the blockchain industry is coming to an end. In 2019, policy factors will bring blockchain back to the forefront of development, and capital and talents will once again flow into the blockchain industry track. As applications, supervision, and standardization continue to advance, truly competitive blockchain companies will gradually emerge, and the industry will usher in a new round of rapid growth.

Ⅶ Public equity is optimistic about "chain" applications in three major fields in the long term

At the 12th Industry Frontier (Shenzhen) Roundtable Forum, representatives from many public funds such as Southern Fund and Rongtong Fund participated in the discussion.

With policy support, blockchain technology, as a new generation of information technology, is expected to usher in new development opportunities. A public fund source said: "With the gradual implementation of relevant application cases, blockchain has long-term investment opportunities. Specifically, we are optimistic about the three main opportunities of financial services, people's livelihood services, and government affairs scenarios in the long term."

Wide range of applications

Zheng Xiaoxi, fund manager of Southern Asset Management, said that the core problem solved by blockchain technology is the crisis of trust between people, which helps to establish a social mechanism of mutual trust and consensus.

In Zheng Xiaoxi’s view, the application of blockchain technology is divided into three stages: the first stage is applied to the currency field, such as encrypted digital currency, digital payment systems, etc.; the second stage is applied to the contract field, such as Stocks, bonds, credit, asset ownership and smart contracts, etc.; the third stage is applied to government, health, science, culture and art, etc., helping to achieve weak centralization and social autonomy. "Currently, the application of blockchain technology is mainly in the first and second stages."

Ping An Fund also believes that the essence of blockchain lies in decentralized trust mechanisms and smart contracts, or for some Business activities have an impact.

Specifically, in the field of food traceability, blockchain technology can accurately track all aspects of food production to ensure food safety; in the field of supply chain finance, it is convenient for lenders to accurately understand the true identity of borrowers. information to accurately calculate the possibility of lending and predict the bad debt rate. "In the future, as long as trust relationships and commitment fulfillment are involved, blockchain technology can improve efficiency."

According to Lin Qingyuan, fund manager of Rongtong Fund, blockchain technology solves the problem of value transmission and is regarded as It is a big leap in the development of the Internet for more than 20 years. Blockchain technology is a basic technology protocol that is parallel to the underlying protocol of the Internet.

"Only two of the three characteristics of high efficiency, decentralization and security can be achieved, which determines the limitations of the application of blockchain technology." Lin Qingyuan said bluntly that the blockchain structure is A utopian idea to achieve ideal decentralization.

"In new technological innovations and industrial changes, the integrated application of blockchain technology plays an important role." Baoying Fund believes that as an important breakthrough for independent innovation of core technologies, blockchain will clearly focus on direction, increase investment, focus on conquering a number of key core technologies, and accelerate the promotion of blockchain technology and industrial innovation.new development. "It can be widely used in many fields such as finance, logistics, public services, digital copyright, mutual insurance, etc."

Has long-term investment opportunities

As applications are gradually standardized, areas The development environment of blockchain technology is becoming more and more healthy, and the strategic status of the industry has been greatly improved.

"Blockchain, together with artificial intelligence, quantum information, mobile communications, and the Internet of Things, is a representative of a new generation of technologies." Zheng Xiaoxi said that there are three reasons why blockchain is mentioned again at this time. . From the perspective of policy orientation, the open and transparent technical characteristics of blockchain itself are an important tool for improving social governance capabilities. It has a unique role in solving targeted poverty alleviation, loan difficulties for small and micro enterprises, and opening up data islands; in the direction of science and technology , any technology track should not be ignored. Blockchain technology, as an important part of the next generation of information technology, is gradually being recognized; in terms of regulatory orientation, the development of blockchain in the country has been mixed before, but it has improved after rectification. "At present, the Ministry of Industry and Information Technology has launched two phases of filing, and it is expected to continue to advance."

From the perspective of practical progress, Baoying Fund stated that most of the applications of blockchain technology are still in the process of conceptual exploration and testing. . Zheng Xiaoxi believes that blockchain will be combined with cutting-edge technologies such as 5G, Internet of Things, and artificial intelligence to help promote the current Internet to the second generation of intelligent Internet.

"At present, central banks in various countries attach great importance to the exploration of blockchain technology, and it is crucial to master the core technology of blockchain." Ping An Fund believes that the rational application of blockchain technology with independent intellectual property rights can improve The efficiency of resource allocation in society reduces social conflicts and frictions.

Regarding the investment opportunities in the blockchain track, Ping An Fund believes that the current blockchain technology is in the application exploration period and gradual realization period, and there will be good application cases in the next 2 to 3 years. "Therefore, , we need to lay out long-term investment opportunities. What we need to do now is to judge the possibility of blockchain technology being implemented in specific application scenarios, evaluate the profit model and core competitiveness, and predict future growth space.”

Zheng Xiaoxi said that the three major characteristics of low cost, supervision and easy promotion will lay a solid foundation for the rapid popularization of blockchain across the country and even the world. From the perspective of industry investment opportunities, we mainly focus on three main lines: the first is the financial services field, tracking opportunities such as supply chain finance, financial technology, financial security, and blockchain asset hardware storage; the second is the people's livelihood service field, including electronic invoices and payments, Investment opportunities such as electronic certification and copyright services; the third is government-related scenarios, where there may be large investment space in the future.

(Source of article: Shanghai Securities News)