区块链信用重构什么意思,区块链信用重构包括

区块链信用重构，是指利用区块链技术来构建一个新的社会信用体系，以实现信用的精准识别、安全管理和可持续发展。包括以下三个关键词：

区块链技术：区块链技术是一种分布式数据库技术，它将信息存储在网络中的节点中，每个节点都可以访问并验证所有的数据。它具有去中心化、不可篡改、安全性高等特点，因此可以有效地保护用户的隐私和数据安全。

社会信用体系：社会信用体系是一种基于社会经济活动的信用评价体系，它是指一个国家或地区建立的信用评价体系，用于对社会经济活动的参与者进行信用评价和定期审查。它是一种重要的制度安排，有助于提高社会的信用水平，促进经济和社会的可持续发展。

可持续发展：可持续发展是指能够持续满足人类社会的需求，同时保护环境和资源，促进经济发展和社会进步的发展模式。可持续发展的实现，需要社会各方面的协调配合，包括政府、企业、社会组织和公众等。借助区块链技术，可以更好地实现社会信用体系的重构，从而促进可持续发展。

总之，区块链信用重构是利用区块链技术来构建一个新的社会信用体系，实现信用的精准识别、安全管理和可持续发展。包括区块链技术、社会信用体系和可持续发展三个关键词，它们不仅可以更好地保护用户的隐私和数据安全，而且还可以提高社会的信用水平，促进经济和社会的可持续发展。
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『一』 Times have changed, what exactly is the core of the blockchain economy

Since the birth of Bitcoin, there have been successive emergences around the world. There are more than 1,600 virtual currencies, forming a huge industrial chain ecosystem around the generation, storage, and trading of virtual currencies. But overall, the industry is still in its infancy and is still far from the real value application area.

The core of the blockchain economy lies in the reconstruction of business logic and organizational form, so it is necessary to obtain application examples in multiple industries to demonstrate its value. This article will explore the business models of blockchain applications in various industries from the perspective of combining blockchain with industry needs.

First of all, the core of blockchain is to solve the problem of credit:

Credit is the foundation of all commercial activities and finance. The United States has implemented trusted identification since 2011, while China has implemented a real-name system to achieve supervised information dissemination. The significance of blockchain is that it has established decentralized trust from a technical level for the first time and realized a completely distributed credit system.

Secondly, blockchain solves the problem of value exchange:

Traditional networks can realize point-to-point transmission of information, but cannot realize point-to-point transmission of value. Because information is allowed to be copied, and value must be authentic and unique, it is necessary to rely on a centralized organization to achieve value transfer. Blockchain perfectly solves this problem and provides a method to realize point-to-point transfer of value. During the value transfer process, accounting is realized by the network without relying on a centralized institution. Therefore, blockchain is expected to become the infrastructure for building new finance and the cornerstone of the future value Internet.

Application of blockchain

Currently, there are two main modes of blockchain application:

1) Native type Blockchain applications: directly based on decentralized blockchain technology, realizing applications such as value transfer and transactions, such as digital currency;

2) "Blockchain+" model: combining traditional scenarios with Combined with the underlying protocol of the blockchain to improve efficiency and reduce costs. It is expected that the application of blockchain in various industries will be dominated by the second model.

Blockchain has five core attributes, namely: transaction attributes (value attributes), certificate attributes, trust attributes, intelligence attributes, and traceability attributes. The above core attributes are combined with the needs of the industry to solve the industry's pain points and become a business model for blockchain applications in various industries.

Blockchain + Bank

1. Cross-border payment

Cross-border payment is a pain point that has long plagued the banking industry. Traditional cross-border payment methods include two major categories: first, online payment, including electronic account payment and international credit card payment, suitable for retail small amounts; second,The bank remittance model is suitable for large-amount transactions; both have problems such as long arrival cycles, high fees, and low transaction transparency. Especially in recent years, with the rise of cross-border e-commerce, convenient, fast, safe and low-cost cross-border payment has become an urgent need for the industry.

The role of blockchain:

The characteristics of blockchain are deintermediation and open and transparent transactions. There is no third-party payment institution to join, which shortens the payment cycle, reduces costs, and increases Transaction Transparency. For example, in December 2017, China Merchants Bank teamed up with Wing Lung Bank and Wing Lung Shenzhen Branch to successfully implement cross-border RMB remittances between the three parties using blockchain technology. Its clearing process is safe, efficient and fast, greatly improving customer experience.

2. Supply chain finance

The pain points in this field are the long financing cycle and high costs. Centered on the core enterprise system of the supply chain, it is difficult for third-party credit enhancement institutions to authenticate the authenticity of various relevant vouchers in the supply chain, resulting in long manual review times and high financing costs.

The role of blockchain:

Blockchain introduces consensus mechanism, existence proof, non-tampering, traceability and other features into supply chain finance, without the need for a third-party credit enhancement agency Identify the authenticity of various relevant vouchers in the supply chain, thereby reducing financing costs and shortening the financing cycle. For example, in April 2017, the listed company Yijian and IBM China Research jointly launched the blockchain supply chain financial service system "Yijian Block". The system focuses on pharmaceutical scenarios and currently has more than 30 pharmaceutical distribution companies. Successfully registered in the "Yijian Block", as of the end of July, the number of transactions had been close to 8,000, and the total investment amount exceeded 100 million yuan.

3. Digital Bills

The pain point of the digital bill industry lies in the long-standing problems of "false bills" and "one vote selling more than one", which have brought challenges to the bill financing business of the banking industry. risk.

The role of blockchain:

The existence proof and non-tampering characteristics of blockchain effectively solve the problem of false digital bills; at the same time, blockchain solves the problem of double Spending money can avoid "one ticket selling too many". For example, Shenzhen Blockchain Financial Services Co., Ltd. issues bill chain products to provide bill financing services based on blockchain to solve the bill financing needs of small, medium and micro enterprises. Cooperative banks include Ganzhou Bank, Guiyang Bank, Suzhou Bank, Shizuishan Bank, Langfang Bank, Wuhai Bank, Jilin Jiutai Rural Commercial Bank, Yaodu Rural Commercial Bank, Shenzhen Rural Industry Bank, Weifang Bank, Zhongyuan Bank, etc. In addition, Zheshang Bank, JD Finance, Hang Seng Electronics, HNA, etc. are also verifying blockchain digital bill services.

Blockchain + Securities

1. Asset Securitization

Asset securitization uses future income as a guarantee to obtain current financing. The pain points in this field are: there are many participating entities, many operating links, low transaction transparency, information asymmetry, andThe authenticity of layer assets cannot be guaranteed.

The role of blockchain:

Blockchain introduces attributes such as existence proof, non-tamperability, and consensus mechanism for asset securitization, which can monitor the true situation of assets in real time and solve the problem of It solves the problem of trust of all parties in the transaction chain in the underlying assets. Various assets such as equity, bonds, bills, income certificates, warehouse receipts, etc. can be integrated into the blockchain and become digital assets on the chain, improving asset circulation efficiency and reducing costs. For example, in May 2017, Internet Finance and partners including Baiqian Leasing and Huaneng Trust jointly issued an asset securitization ABS project supported by blockchain technology, with an issuance scale of 424 million yuan.

Blockchain + Insurance

1. Insurance business

The insurance industry has problems such as information asymmetry and lack of trust between customers and insurance institutions: Users It is difficult to choose an insurance product that suits you, and insurance institutions face the risk of insurance fraud.

The role of blockchain:

The decentralized, open, transparent, and traceable characteristics of blockchain establish a good communication channel between insurance institutions and users; insurance targets Information is managed uniformly on the blockchain and cannot be tampered with, helping insurance institutions avoid the risk of insurance fraud; at the same time, smart contracts can improve work efficiency and reduce costs. For example, French insurance giant AXA is using the Ethereum public blockchain to provide automated flight delay compensation for air travelers. If the flight is delayed for more than 2 hours, the "smart contract" insurance product will automatically pay claims to passengers.

2. Credit information management

The pain point in this field is that credit information agencies have limited data collection channels and lack of data sharing, making it difficult to accurately characterize the credit status of individuals or institutions; in addition, There is also the issue of how to protect user privacy during the data collection process.

The role of blockchain:

The blockchain has the characteristics of trustlessness, consensus, and non-tampering. At the technical level, it ensures that effective protection of user privacy can be achieved. Limited, controllable credit data sharing and verification. For example, Ping An's blockchain credit reporting business is now online. In addition, domestic startups such as Shanghai Juzhen, LinkEye, Bubi Blockchain, etc. are also exploring joint credit reporting and safe certificate deposits.

As a basic technology, blockchain has great application value in many industries with distributed processing, peer-to-peer transactions, and rapid establishment of trust relationships. Its core is to solve the credit problem and realize the point-to-point transmission of value. Therefore, it is considered to be the cornerstone of the future value Internet.

The core of the blockchain business model is to use the innovative attributes introduced by the blockchain and combine it with traditional industry applications to realize the reconstruction of business logic in order to create new application scenarios or improve efficiency. cut costs.

Blockchain will also extend to all areas of social life: Blockchain solves problems such as the management, transaction, and transfer of digital assets, and therefore will play an important role in the wave of asset digitization, such as supply chain management, data Applications such as services, asset management, public services, and the Internet of Things are gradually being implemented in various fields, and "blockchain+" is becoming a reality.

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

Zhenxing Technology CEO Zhou Kaiyu Mr.

Currently, 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.

The original intention of choosing a project that combines credit reporting with blockchain

“Choose blockchain to develop because it has a community-based approach that maintains the stability of the entire system. Consensus reward, consensus reward is a process of social value redistribution. In the process of social value redistribution, a value effect is formed in which the wool comes out of the pig and is paid by a third party. While achieving credit value, it can 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, the traditional centralized method is used to process data. The data exists on a centralized platform, but it is difficult to verify the security of user data.question. 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. The future development of Wuxiaokai will be based on the core concept of maintaining high credibility and combating dishonest people.

『三』What is blockchain and how to understand blockchain applications

Blockchain is a computer technology based on distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc. New application models. The so-called consensus mechanism is a mathematical algorithm that establishes trust and obtains rights and interests between different nodes in the blockchain system.
Blockchain is an important concept of Bitcoin. It is essentially a decentralized database and serves as the underlying technology of Bitcoin. Blockchain is a series of data blocks generated using cryptographic methods. Each data block containsContains the information of a Bitcoin network transaction and is used to verify the validity of the information (anti-counterfeiting) and generate the next block.
Let’s talk about the social or economic significance of blockchain. Many technologies in the past were actually dedicated to "productivity", such as artificial intelligence, which is an advancement in productivity. The blockchain has greatly improved production relations and is dedicated to production relations. So why do you say that?
Because the so-called production relations are actually how business is done between people and business partners. And these things are originally in the process of people's mutual cognition, and no special procedures are used to program or quantify them.
For example, if you and I are good friends now, we can do business. If someone provokes our relationship and we are no longer good friends, we will not do business. Even if we can make money by doing business, we will not do it. , because everyone no longer has any trust in each other.
As for the blockchain, it is actually because the data has been certified by various nodes and backed up at the same time, so my data is as authentic as possible and cannot be tampered with. So in this case, you believe my data, On this basis, you can create a program, and then program the "production relations" of what kind of business contracts and business cooperation this data can be used for. In this way, everyone believes in the data and the program compiled by the algorithm. And because you believe in the data and the program, you can develop various APPs based on this program. These APPs are the relationship of production and what kind of business you are going to do. This is: Blockchain is actually a reconstruction of "production relations".

『四』 Four questions reveal the true identity of blockchain: What kind of technology is it?

Four questions reveal the true identity of blockchain: What kind of technology is it? What can be changed?
Do you have the feeling that all explanations of blockchain always make people feel confused and confused? Even Yang Kaisheng, the former president of the Industrial and Commercial Bank of China who has studied blockchain for many years, bluntly stated at the Tsinghua University Blockchain Application and Investment Forum that blockchain is becoming increasingly difficult to understand and the more it is talked about, the more mysterious it becomes.
Actually, blockchain is just a technology, not as omnipotent and mysterious as the legend says. Abandoning the buzzing technical terms and obscure professional terms, we try to uncover the true identity of blockchain hidden behind the veil through these four questions.
1Q
What kind of technology is blockchain?
Blockchain is a very important patch in the history of the development of the Internet
What exactly is blockchain?
The "China Blockchain Technology and Application Development White Paper 2016" issued under the guidance of the Ministry of Industry and Information Technology explains: Broadly speaking, blockchain technology uses block chain data structures to verify and store data, and uses distributed node consensus algorithms. A new analysis method to generate and update data, use cryptography to ensure the security of data transmission and access, and use smart contracts composed of automated script codes to program and operate data.Distributed infrastructure and computing paradigms.
In the book "Link to the Future", the author writes more simply and clearly, "In a nutshell, blockchain is a technology that can significantly reduce the cost of credit in commercial society. Blockchain as a Once the data in a distributed account book is recorded, it will be saved forever and cannot be changed."
The weak centralization and non-tampering properties of blockchain have always been the most valued by blockchain enthusiasts Two major characteristics. According to industry insiders, this will solve the trust problem to a great extent.
“If you say that blockchain can subvert everything, I think it is too much.” Liu Siyu, founder of Top Found, believes that blockchain is a very important patch in the history of the development of the Internet. The Internet solves the problem of efficiency, and blockchain can solve the problem of fairness to a certain extent.
In his view, the Facebook data theft incident has drawn people's attention to data security. If data and credit assets are put on the chain, no unauthorized centralized organization will be able to obtain the data. , users will have the right to control their own data, and data security will be properly guaranteed.
Not only that, industry insiders believe that the fair future of blockchain may also be reflected in Token. Previously, this term was translated into "token", which is a virtual currency such as Bitcoin, but now the circle Insiders prefer to translate this word as "incentive mechanism."
“When Token is no longer a currency for speculation, but a reward mechanism for users on blockchain applications, then it will become a good solution to the issue of fairness.” An industry insider He said that Token is inevitably generated during the operation of blockchain technology. How to use it in the most reasonable manner is an issue that needs to be considered in future supervision and application projects.
However, can this kind of accounting-sharing technology really improve efficiency?
Further research is needed, at least for now. As Yang Kaisheng said, Bitcoin transaction settlement is completed seven or eight times per second, which is too slow. "Frankly speaking, in today's bank operation and management, this is difficult for banks to accept, and it is also unbearable for the majority of customers and the public."
In fact, there are already blocks that are better than Bitcoin With the emergence of chain processing methods, the industry generally believes that digital currencies such as Ethereum and EOS are superior to Bitcoin in terms of settlement capabilities and application development.
Tang Ling, founder and CEO of Zhigui Technology, predicted at the "Node·Symbiosis GBA Global Blockchain Technology Application Conference" that the next generation blockchain system should be a multi-chain, multi-economic model architecture. Cross-chain interaction ultimately requires a trusted database and a trusted data source.
2Q
What exactly can blockchain change?
At least many people believe that blockchain will restructure the financial system
Speaking of blockchain, everyone seems to be talking about how blockchain can change the world and is an important force leading the world's future technological development. But, can blockchain actually changewhat? Perhaps many important business formats will be restructured.
At least many people believe that blockchain will reconstruct the financial system of the current world. In fact, blockchain technology was born in finance, and it can solve the problem of integrity in financial transactions.
Financial people like to use bills as an example. In the past few years, it is not uncommon to hear that bills deposited in banks have been turned into newspapers, and bills worth hundreds of millions of dollars have disappeared. If you take advantage of the non-tamperable and traceable properties of blockchain, then such ridiculous things will not happen.
Industry insiders believe that blockchain finance can implement contract principles and solve trust issues through technical methods. Through consensus protocols and programmable smart contracts, mutual trust and credit can be established, commercial terms agreed upon by all parties to the transaction can be formulated and executed, and legal rules and supervisory control nodes can be introduced to ensure that value exchange complies with contract principles and legal norms and avoids Unpredictable trading risks.
Industry insiders generally believe that blockchain uses technological trust to bolster commercial credit, which is conducive to maintaining financial integrity. It will have an impact on many aspects such as payment, credit reporting, currency form, etc.
In addition to finance, industry insiders generally believe that blockchain may also play a role in insurance, medical care, education, real estate, even judicial activities, charity and other aspects to establish a more transparent and secure network system.
3 Questions
How far has the blockchain developed?
It is still at an early stage of development, but some companies are using the guise of blockchain to promote themselves
“No matter how you look at it, blockchain can generate great value in the future, which is why all People are actively researching it." Li Feng, the person in charge of Internet Financial Blockchain, said, but the current research and application of blockchain technology are only in the experimental stage, and the current blockchain technology does have great shortcomings.
According to Li Feng, from the perspective of the technical level of the industry, there is still a lot of room for improvement in terms of the performance of blockchain technology, its integration with business, and its underlying technology algorithms. Today, the infrastructure for blockchain is still not complete, and blockchain still has a long way to go before it can be widely used.
In fact, looking at the layout of the three Internet giants BAT on the blockchain, some applications have begun to be gradually implemented. But most are still in the research and development stage.
Since 2016, Alibaba has been trying to use blockchain technology in charity tracking, cross-border food supply chain, medical and other fields. And last year, it established the "BASIC" strategy and opened up blockchain technology. This year, Alibaba also launched the luxury goods platform Luxury Pavilion. The raw material production process, circulation process, and marketing process of goods are all written into the blockchain.
Tencent Cloud released a blockchain TBaaS white paper in early April this year, establishing blockchain services based on Tencent Cloud. At the same time, Tencent also established a joint laboratory with the Bank of China last year. The two parties will carry out comprehensive cooperation based on blockchain, big data and other aspects.do.
It is worth noting that research on blockchain technology is still ongoing. The industry generally believes that blockchain technology is still at an early stage of development, but there are indeed some companies that are hyping themselves under the guise of blockchain.
4Q
What opportunities can blockchain bring?
This feast will obviously no longer belong to speculators
In February this year, the "People's Daily" article on blockchain ignited the country's enthusiasm for blockchain technology. Dou Jiali, a researcher at Peking University Guanghua Financial Technology Laboratory, wrote in the People's Daily that the birth of blockchain will significantly reduce the cost of value transmission and once again greatly liberate productivity. We should seize the opportunity of blockchain.
At the 2018 Boao Sina Finance Night·Zhenghe Island Night Talk, Xunlei Group CEO Chen Lei said that the innovation of blockchain has changed the social organizational structure and given China an opportunity to surpass the United States and Western countries. "In the development process of the electronics industry, communications industry, and Internet industry, China started later than the United States and Western countries. Blockchain is really a very important opportunity, because China started almost at the same time as the Western world."
And Wu Ying, chairman of Zhongze Jiameng Investment Fund, believes that the opportunities brought by blockchain are beyond the imagination of many people and are dozens, hundreds or even thousands of times greater than those in the early days of the Internet.
In Wu Ying's view, capital should support those "real entrepreneurs". In the field of blockchain, the so-called real entrepreneurs are not only people who "want to do things for the long term", but more importantly, "people at the technical level" ". He believes that blockchain is very suitable for people who really understand Internet technology to start a business. They start from making products and start from the lowest technology, and they can indeed build a new blockchain technology platform.
However, this feast will obviously no longer belong to speculators: for ordinary investors, the blockchain concept may no longer be an easy place to make money. Wu Xiaobo, a well-known financial commentator, predicts that the retail blockchain craze will become the biggest investment joke of the year. He believes that the financial derivatives of investment opportunities seem to give everyone the opportunity to share the dividends of technological change, but in fact, it is more of a trap for speculators.
In other words, only by returning to technology itself and developing technology instead of using self-deception can we truly apply technology to the world and maximize its value in serving people. Only then can we bring tangible benefits to the further development of China's economy. Effective beneficial effects.

『Wu』 Is it right to "decentralize" science and technology finance as the credit subject, and technology and digital to dominate decision-making?

Yes.
It is right to "decentralize" science and technology finance as the main body of credit, and technology and digital to dominate decision-making.
Technology finance represents more than just changes in the financial industry. Behind these technological finance phenomena, such as blockchain, digital cryptocurrency, and smart contracts, or technology products, are actually technological breakthroughs and the accumulation of data. Therefore, the background of the era of technological finance is technology and data. These two points are important to everyone, especially those in the early stages of their careers.Changes that young people must face. Just because blockchain technology represents the reconstruction of credit and value, the financial industry is at the forefront and is particularly eye-catching.

『Lu』 What are the potential application scenarios of blockchain in the financial field

Because the digital currency first produced by blockchain technology has had a huge impact on the financial field, research and Applying blockchain technology has become an important task in today's financial field. In essence, blockchain technology is still a technical means and tool. Its application in the financial field and its application in the real economy are both parallel. They have their own relative independence, but there is a certain overlap, that is, It is said that the promotion effect on the real economy is indirect. 1. Regardless of finance or entity, one of the foundations of transactions between supply and demand is trust. The current banks, enterprises, enterprises, people, etc. all use currency as a link. The right to issue currency lies with the state, and the right to operate lies with banks. With the further popularization and widespread application of blockchain technology, in the future, enterprises and enterprises, or individuals and individuals can self-organize the issuance of digital currencies (digital credit). Banks’ The status will change from the current monopoly operation to the operation of equal competition in the market. Therefore, the widespread application of blockchain technology in the financial field has an indirect impact on the real economy. 2. Blockchain technology is the bridge between reality (entity) and virtuality. Through blockchain technology, the real world can be recreated, reconstructed and redefined in the virtual world. For example, real banknotes are digital currencies in the virtual world, real stock transactions are digital stock transactions in the virtual world, and real import and export trade are digital settlements, digital customs clearance, digital documents, bills, etc. in the virtual world. It greatly improves the efficiency of business processes and saves transaction costs. At present, all transactions are inseparable from banks. Banks play the role of central hubs in transactions. Banks' application of blockchain technology will definitely improve the efficiency of their settlement and indirectly promote the efficiency of the real economy. However, this impact will gradually weaken in the future. Because the biggest feature of blockchain technology is decentralization, its distributed accounting system is a centerless network system. 3. The application of blockchain technology is actually to valorize and credit the information currently flowing on the Internet, and to reorganize and restructure the information in the Internet (use value, exchange value, cultural value) through the blockchain. The formation of the Internet of Value is of great significance and will bring revolutionary promotion to both the financial industry and the real economy.

『撒』What is blockchain

On May 27, 2021, the Ministry of Industry and Information Technology and the Office of the Central Cybersecurity and Information Technology Commission issued the "About Accelerating the Promotion of District "Guiding Opinions on Blockchain Technology Application and Industrial Development" (Ministry of Industry and Information Technology Lianxinfa [2021] No. 62), the document defines blockchain as follows:
Blockchain is an important part of the new generation of information technology and is New database software integrating distributed network, encryption technology, smart contracts and other technologies is expected to solve the problem of trust and trust in cyberspace through data transparency, difficulty in tampering and traceability.Security issues promote the transformation of the Internet from transmitting information to transmitting value, and reconstruct the information industry system.
Blockchain is the cornerstone of building trust and a trusted network that enables credit transfer and value transfer. Reliable blockchain infrastructure allows enterprises and governments to quickly and efficiently build blockchain networks and industry applications, achieve reliable and rapid flow of capital, logistics, and information flows, and achieve efficient and credible collaboration, helping to reduce collaboration costs and improve Efficiency
The current application of blockchain + industry mainly has the following directions:
Blockchain + insurance industry, insurance companies can optimize business processes and reduce risks through the needs on the blockchain. Customers who purchase insurance have a full, objective and comprehensive understanding of data;
Blockchain + supply chain enables information in all aspects of the supply chain to be updated and shared in real time, making it easier for personnel in each link to understand the latest information and make correct and objective decisions. business judgment.
Blockchain + medical industry, blockchain information cannot be tampered with, ensuring the accuracy and uniqueness of medical data; establishing patient electronic health records, recording real patient health data, and obtaining authorization to view through private keys, that is, protection The collection of sensitive personal data also facilitates doctors to make more accurate treatment plans.

『8』 How to express the popular blockchain concept in a layman's terms

Blockchain in layman's terms is a large database, block---data package, which The associated data packets are connected to form a virtual shared "ledger". The image metaphor is similar to the accounting book of a unit (company), which records various data in business activities. However, this kind of ledger is not unique to a certain unit, but is shared by all units participating in business activities. This ledger is not a storage On a central server, but distributed among the terminals of all relevant units, everyone can share relevant information, and can also graft and update information, but cannot tamper with it. The public key and private key can be used to open information, and any new input of terminal information will also be automatically stored in the "account books" of other related terminals.
Blockchain is a network data system that is based on hash function calculation and network information technology, and uses a distributed network as its skeleton to implement data encryption, transmission, and storage. Its core is decentralization, and its manifestation is that network endpoints are arranged in a distributed manner. Its purpose is to realize the value sharing of data. Its main significance is that the Internet has transformed from information interconnection in the past to value interconnection, or called: value Internet.
Philosophically understanding blockchain is the reconstruction of the real world in the virtual world. This reconstruction is not a direct reflection, mapping or mirroring, but a selective reconstruction. This reconstruction is not limited to the reconstruction of economic activities, it will extend to the reconstruction and operation of various activities such as political, social, military, cultural, knowledge, and credit systems.

『九』 What changes can blockchain technology bring to personal credit reporting?

Blockchain technology can bring a real revolution to the field of global personal credit reporting.
First of all, blockchain is a decentralized credit endorsement. Blockchain technologyThe technology's unique consensus mechanism allows the recording and confirmation of any transaction to be based on a consensus that everyone agrees on, without the need for a centralized organization. For example, in the aspects of endorsement by banks and governments, efficient automation of the entire process is achieved through derivation algorithm programming, automatic execution of demand matching, contract performance and breach of contract processing.
Secondly, users have the autonomy of personal credit data. In the blockchain architecture, the data generated by personal user information can be traced and cannot be tampered with after being uploaded to the chain. No institution or individual can tamper with credit reporting data. If a dispute occurs, everyone can transparently trace back the transaction through the blockchain browser.
Finally, blockchain can build a healthy personal credit and financial relationship system. The essence of blockchain technology is to solve the trust relationship. Focusing on personal credit data, the core elements of the blockchain can be visualized, such as smart contracts and timestamps. Big data can be used to conduct credit ratings and manage credit risks, thereby establishing a Good personal credit ecology.
Blockchain and personal credit reporting are quite consistent both genetically and technically.
The Trust Union credit alliance chain is based on such technical characteristics and is working hard to build a personal credit and financial relationship alliance public chain, hoping to truly realize the effective management of personal credit assets around the world.