中国银行与区块链合作,中国银行与区块链的区别

区块链技术的出现，为金融行业带来了新的变革，中国银行也在其中发挥了重要作用。本文就中国银行与区块链的合作，以及它们之间的区别，来展开讨论，希望能够让读者有更深入的了解。

一、中国银行与区块链合作

中国银行与区块链的合作，主要是指银行使用区块链技术，来改善自身的业务流程，提升服务质量。例如，中国银行正在使用区块链技术，构建统一的金融资产交易平台，实现跨行业、跨地域的资产流通，提高资产交易的安全性和效率。此外，中国银行还在使用区块链技术，构建统一的金融账本，实现跨行业、跨地域的账本共享，提高金融服务的安全性和效率。

二、中国银行与区块链的区别

中国银行与区块链的区别，主要体现在以下几个方面：

1. 技术特性不同：中国银行是一个传统的金融机构，它的技术特性是传统的金融技术；而区块链是一种新型的技术，它具有去中心化、分布式记账、不可篡改等特性。

2. 业务范围不同：中国银行主要提供银行存款、贷款、支付等金融服务；而区块链主要提供数字资产交易、跨境支付、智能合约等服务。

3. 安全性不同：中国银行的安全性取决于其内部的安全措施和风控措施；而区块链的安全性取决于其去中心化、分布式记账、不可篡改等特性。

三、结论

中国银行与区块链的合作，将为金融行业带来新的变革，中国银行也在其中发挥了重要作用。但是，中国银行与区块链之间也存在着很多不同之处，比如技术特性、业务范围和安全性等。只有正确理解了这些差异，才能更好地发挥中国银行和区块链在金融行业的作用。

① The Bank of China wants to collect the coins

The Bank of China wants to collect the coins. The coins are not legal currency, but virtual digital coins. Virtual digital coins are not protected by law. Pai Coin is essentially a pyramid scheme coin, a fake blockchain, which uses the slogans of blockchain technology, digital currency and other concepts to illegally attract money and defraud investors of their money. Because China does not recognize blockchain technology currency, Pi is a virtual currency.

② The CTFU platform application was put into production to see how blockchain can promote the development of the banking industry

On August 28, the China Banking Association organized the "China Trade Finance Inter-bank Transaction Blockchain Platform" ” (referred to as “CTFU Platform”) construction symposium. At the meeting, the China Banking Association, the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the China Construction Bank, and the Bank of Communications jointly signed the "CTFU Platform Service Agreement", officially kicking off the launch of the CTFU platform application.

As a new technology in the financial field, blockchain has continuously expanded its application scenarios and has had a profound impact on the entire banking industry. Various banks have also increased their emphasis on blockchain technology and utilized regional Blockchain technology solves current industry pain points.

What are the pain points in the banking industry?

[if !supportLists]1, [endif] Audit and verification costs are high. Currently, many bank operations require offline operations, and banking business relies on paper documents. A large amount of paper materials are required during the review and verification process, which consumes a lot of manpower and material resources.

[if !supportLists]2, [endif] Risk monitoring is difficult. Bank trade involves a wide range of transactions, with long transaction chains and multiple settlement methods. Sometimes regulatory data is not updated in a timely manner, which will bring potential business risks to banks.

[if !supportLists]3, [endif] Information sharing is difficult. Each department in the transaction chain is relatively independent. Each department has its own system, standards and management model. Information transparency is low, which makes it difficult to share information between departments.

[if !supportLists]4, [endif] Financing costs are high. In order to reduce their own risks, banks require financing deposits and provide mortgages, pledges, guarantees, etc., which further increases the financing costs of enterprises.

How does blockchain solve these pain points?

Taking CTFU as an example, when Tian Guoli, president of the China Banking Association and chairman of China Construction Bank, introduced the CTUF platform, he pointed out that the platform will play four roles:

1. Realize the standardization, electronicization and intelligence of inter-bank trade financial product transaction information and promote the development of supply chain finance.

Use blockchain technology to put transaction information on the chain, unify the standards among various banks, and then digitize various paper materials to reduce labor and material costs while ensuring the credibility of transaction information. degree and promote the development of supply chain finance.

2. Improve trade financing efficiency, reduce financing costs, and enhance the quality and efficiency of financial services to the real economy.

In the blockchain, information will become more transparent, and communication between various departments within the bank will become more convenient and faster, improving the collaboration efficiency of all parties in the financing process. Processes are optimized and financing costs are reduced.

3. Use the characteristics of blockchain technology such as "distributed storage, transaction traceability, and non-tampering" to effectively prevent and control trade finance business risks.

Utilizing the non-tamperable characteristics of the blockchain, combined with digital signatures and transaction traceability, we can effectively achieve information credibility, effectively solve the bank's trust cost and audit verification cost, and facilitate the bank's trade finance industry. Carry out risk management and control.

4. It is conducive to resource sharing and utilization and improves the association's service level to members.

With the help of blockchain technology, banks can share and utilize resources and information through end-to-end data exchange and effective verification.

Currently, trade finance and supply chain finance are the most feasible application scenarios of blockchain in traditional finance. But the possibilities brought by blockchain technology are certainly not limited to this. Banks will increasingly explore blockchain technology. The exploration and application of blockchain technology in the field of trade finance is worth looking forward to.

Follow the Bione Finance official account to learn more about blockchain information!

③ What are the prospects of blockchain finance?

1. In fact, the combination of blockchain technology and finance is not accidental. Simply put, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low capital utilization efficiency, and high payment processing costs.
2. In reality, Bitcoin is not equal to blockchain. Digital currency is just one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.
3. Industry insiders pointed out that although the application prospects of blockchain technology are broad, At present, there are only a few projects that have actually been implemented and produced social benefits. Blockchain technology is in the early stage of development and still needs to be viewed rationally. In the next step, blockchain technology should be used to explore digital economic model innovation and add impetus to the optimization of the business environment. , to provide support for promoting high-quality economic development.

④ Where are the core advantages of the bank confirmation blockchain service platform?

In recent years, financial fraud, accountant audit failures and other risk events have occurred from time to time in the capital market, which has brought great challenges to businesses. Banks bring legal risks and reputational risks, which have attracted great attention from the leaders of the State Council.

On December 18, the "Bank Confirmation Blockchain Service Platform" was officially released. This platform provides a platform for the China Banking Association and the Chinese Institute of Certified Public Accountants to actively implement the "About Further Standardizing Bank Confirmation and Reply Work" "Notice" and other documents require that it be launched to study and promote the digital construction of letter confirmation and improve the standardization level of letter letter business, which is of great significance.

“We hope that in the future, the bank confirmation blockchain service platform can play a role in preventing and resolving risks, promote the improvement of the quality and efficiency of confirmation, and strive to build a demonstrative digital platform with high security, strong public welfare, convenience and efficiency, Make due contributions to improving the construction of the social credit system and strengthening financial services to the real economy." Liu Fushou, chief lawyer of the China Banking and Insurance Regulatory Commission, said at the press conference.

Pan Guangwei, full-time vice president of the China Banking Association, said that in the future, the China Banking Association will work with relevant institutions to promote the direction of the confirmation business towards intensified operation management, electronic paths, standardized business processes, and refined data governance. The direction is transformation and upgrading, improving the quality of accounting information and audit quality and efficiency, promoting the construction of the social credit system, and assisting the high-quality development of the banking industry.

Three core advantages

Bank confirmation and reply letter are the CPA's direct confirmation to banking financial institutions after obtaining authorization from the audited unit during the audit process. Letter to inquire about the authenticity of the audited unit’s bank deposits, bank loans, guarantees, financial management and other information, and the process of the bank inquiring, verifying relevant information and providing a reply letter.

Pan Guangwei introduced that confirmation is one of the core procedures of independent auditing and is crucial to identifying errors and fraud in financial statements. For the entire financial market, confirmation work is related to the quality and efficiency of audit work, the quality of accounting information, and the authenticity of capital market data, and is crucial to preventing financial risks.

“The bank confirmation blockchain service platform adheres to the authoritative, impartial and public welfare construction concepts, and the construction ideas follow the principles of marketization, openness and progressiveness, and gradually promotes Bank confirmation is transforming and developing in the direction of intensification, electronicization, standardization and refinement, and has core advantages in three aspects." Pan Guangwei said.

The first is in terms of platform target positioning. The platform has changed the offline scattered correspondence and reply model to online centralized processing, which can complete the entire process of bank correspondence application, authorization, sending, and reply online, speed up the efficiency of correspondence processing, and effectively solve the traditional paper-based problem. It eliminates various shortcomings of the quality assurance model, reduces the degree of manual intervention of accounting firms, banks, audited entities and other related parties, strengthens risk management and control, and reduces the risk of data errors and fraud.

The second is in terms of platform security. The platform only retains information on the confirmation transmission process and does not retain the confirmation data information. It pays attention to the isolation and confidentiality of information to ensureBank and office data security. The platform has a financial-level security protection environment and can achieve safe operation of the system 24/7.

The third is in terms of platform technical support. The platform chooses "ICBC Xi Chain" as the underlying blockchain technology. ICBC Xi Chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain by the Ministry of Industry and Information Technology and has multiple mature application projects. .

100 banks have applied for access

At the press conference, Pan Guangwei also introduced that after confirming that the bank confirmation platform uses blockchain as the underlying technology, the working group A number of technology companies with blockchain technology and scenario applications conducted on-site exchanges one by one. After expert evaluation, they selected blockchain technology that is autonomous, controllable, safe and reliable, and has more advantages in business connection, post-operation and maintenance, etc. Silver Technology serves as the project contractor.

It is understood that, as the underlying blockchain technology, "ICBC Xian Chain" participated in the trusted blockchain evaluation of the China Academy of Information and Communications Technology in both 2019 and 2020, and passed the function, It is the first blockchain product in the financial industry to be certified by an official authoritative evaluation agency.

“With the strong support of ICBC and ICBC Technology, we have worked overtime and concentrated on solving problems. The system development work was officially completed on October 26, and joint debugging tests are being carried out with a number of banks and accounting firms. Currently, 100 banks and dozens of accounting firms have clearly signed up to apply for access to the platform. We will actively connect with banks and accounting firms that plan to access the platform, and provide solutions and conduct training according to the needs of all parties," said Pan Guangwei. .

ICBC Vice President Zhang Wenwu said at the press conference that ICBC has always focused on the quality of bank confirmation work, and ICBC Technology has further innovated and improved on the basis of ICBC’s original correspondence e-letter. , went all out to build the platform, and put the platform into production as scheduled. "We will take the signing of the cooperation agreement as an opportunity to actively cooperate with the construction of the platform as the first batch of banks, promote the interconnection between the e-confirmation and the platform, and fully support the use of the platform based on the practice of centralized confirmation at the bank end."

At the press conference, Liu Fushou also said that it is necessary to promote the construction of the confirmation platform in a safe and orderly manner, adhere to safety, prudence, and controllable risks, adhere to pilots first, steadily advance, and adhere to dynamic adjustments and continuous improvement.