上市公司保险行业区块链有哪些,上市公司保险行业区块链概念股票

近年来，随着区块链技术的发展，区块链在保险行业的应用也越来越广泛。上市公司保险行业区块链概念股票也随之拓展，下面我们就来介绍三支关于上市公司保险行业区块链的概念股票。

第一支：中信证券（600030）中信证券是中国信托投资公司旗下的证券投资子公司，是一家从事证券投资的上市公司。中信证券致力于推动区块链技术在保险行业的应用，并与多家保险公司合作，在保险行业推出了区块链技术的应用产品。中信证券的股票代码是600030，是一支具有较高投资价值的上市公司保险行业区块链概念股票。

第二支：中国平安（601318）中国平安是中国保险业的龙头企业，也是一家上市公司。中国平安一直致力于推动保险行业的发展，并采用区块链技术来改善保险行业的效率和服务水平。中国平安的股票代码是601318，是一支具有较高投资价值的上市公司保险行业区块链概念股票。

第三支：中国太保（601601）中国太保是中国保险业的老牌企业，也是一家上市公司。中国太保也采用了区块链技术，推出了一系列区块链技术应用的产品，提高了保险行业的服务水平和效率。中国太保的股票代码是601601，也是一支具有较高投资价值的上市公司保险行业区块链概念股票。

以上就是介绍三支上市公司保险行业区块链概念股票的相关介绍，希望能够对投资者有所帮助。在投资之前，投资者还需要充分了解相关投资信息，做出投资决策。

『一』What are the applications of blockchain technology in the insurance industry?

Blockchain technology also has incomparable advantages in the insurance industry. From the perspective of data management, the application of blockchain technology by insurance companies can effectively improve risk management and control capabilities, including the risk supervision of insurance companies and the risk management of policyholders.

The application of blockchain technology in the insurance industry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operating processes of insurance companies on nodes, and can achieve in-process control over the company's capital flow, investment status, compensation payments and other businesses, and improve the company's risk management and control capabilities.

In addition, blockchain technology is safe, reliable, and cannot be tampered with at will, ensuring that the information obtained by the policy holder is true and effective, thereby enhancing the policy holder's risk management capabilities.

『二』Why the insurance industry urgently needs to integrate blockchain technology

Blockchain technology, as a distributed ledger structure, has the public characteristics of being irreversible and cannot be tampered with at will. It is not only used in finance In the fields of supply chain management, intelligent manufacturing, culture and entertainment, financial services, medical and health, IP copyright, education, Internet of Things, sharing economy, communications, social management, charity, social employment, and e-government, it can be widely used.
At present, domestic Internet and IT are involved in the blockchain industry, and are beginning to develop or launch a series of solutions for basic application cases. In the current development trend, integrating blockchain technology into smart life, Internet of Things and other fields, integrating massive physical business application scenarios, carrying out blockchain + physical industry projects, and realizing the physical transformation and upgrading of the physical industry are among the most promising. One of the representative blockchain application directions.

Extended reading: [Insurance] How to buy, which one is better, and step-by-step instructions to avoid the "pitfalls" of insurance

『三』 Times have changed, what is the core of the blockchain economy? What?

Since the birth of Bitcoin, more than 1,600 virtual currencies have appeared in the world, and a huge industry has been formed around the generation, storage, and trading of virtual currencies. Chain ecology. 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.Tie.

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: one is online payment, including electronic account payment and international credit card payment, which is suitable for small retail amounts; the other is the bank remittance model, which is suitable for large-amount transactions; both have payment cycles Long, high fees, low transaction transparency and other issues. 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 combines consensus mechanism, storageThe introduction of features such as proof of authenticity, non-tamperability, and traceability into supply chain finance eliminates the need for third-party credit enhancement agencies to verify 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, and the authenticity of the underlying 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 provide insuranceA good communication channel is established between institutions and users; insurance subject information is managed uniformly on the blockchain and cannot be tampered with, helping insurance institutions avoid the risk of fraudulent insurance; 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, so it will play an important role in the wave of asset digitization, such as supply Applications such as chain management, data services, asset management, public services, and the Internet of Things are gradually being implemented in various fields, and "blockchain+" is becoming a reality.

『四』 Advantages of Blockchain Insurance

The problem of fraudulent insurance has always been a drawback of the traditional insurance industry, whether it is malicious deception by policyholders Or do insurance institutions use information asymmetry to deceive policyholders? These are real problems in the insurance industry that are difficult to solve.

If blockchain technology is combined with the insurance industry and the open and transparent nature of blockchain technology is used, fraud that takes advantage of information asymmetry will be effectively prevented. You can also use the non-tampering and traceability characteristics of blockchain technology to effectively preserve contract terms and provide a true and reliable basis for claims settlement.

Insurance and Blockchain

And in Blockchain insurance, noThere are substantial business operating costs that need to be paid. In traditional insurance, funds are used extremely inefficiently. If it is changed to a blockchain insurance model, there will be a situation where the insured amount is extremely low but the claim amount is extremely high.

The above are the advantages of blockchain insurance. I hope it can help everyone understand why blockchain insurance is so valued.

『Wu』 Deloitte and Zhongan Insurance’s technical experts are doing blockchain.

Deloitte started researching blockchain technology 24 months ago and developed It has developed its own blockchain development platform and provides customers with technical services and solutions of blockchain technology. In 2015, Deloitte's blockchain consulting business alone achieved a turnover of more than US$100 million. In the past two years, many multinational companies in Europe and the United States have been very interested in blockchain technology, and they are already one step ahead of China
How do the technical experts of Zhongan Insurance do blockchain? (They didn’t do it, it was Ant. Financial Services makes blockchain, which is used for certification of online charities),

The essence of insurance operation is to put the funds of the policyholders together to form a fund pool. Once something unfortunate happens to the policyholder, , the capital pool will give part of the funds to the policyholder as agreed. This operation itself can be realized through the programming of blockchain technology, which has the advantage of greatly reducing the cost of insurance. The cost of insurance is very high, mainly incurred in sales and daily expenses of the insurance company. As long as we believe that blockchain technology cannot cheat, we can greatly reduce the cost of credibility in the insurance industry, which can greatly improve the efficiency of the insurance industry.

『Lu』 What are the listed blockchain companies?

The listed blockchain companies include Yiqiao Shares (002447), Yijian Shares (600093), and Sifang Jingchuang (300468) , Feitian Chengxin (300386), Xinguodu (300130), etc.

Haoxin Internet, a wholly-owned subsidiary of Yiqiao Holdings (002447), launched Jingdou Cloud, which is the first company to apply blockchain technology to the gaming field.

Yijian Co., Ltd. (600093) cooperates with IBM to explore the application of blockchain technology in the field of supply chain management services.

A project between Sifang Jingchuang (300468) and IBM will use blockchain technology in the banking and insurance industry.

Feitian Chengxin (300386) has certain technical reserves and research in the field of blockchain, and will participate in digital currency and other blockchain industries in the future.

Xinguodu (300130) has previously become a blockchain research center, studying how to apply blockchain to the company's fields and industries.

『撒』 Blockchain application in insurance industry

To answer this question, let’s first introduce the core technology of blockchain and the current problems in the insurance industry.
DistrictIntroduction to Blockchain Core Technology
Blockchain mainly solves the trust and security issues of transactions, so it proposes four technological innovations to address this issue:
The first is called distributed ledger, which is transaction accounting. It is completed by multiple nodes distributed in different places, and each node records a complete account, so they can all participate in supervising the legality of the transaction and can also jointly testify for it. Different from traditional centralized accounting solutions, no node can record accounts independently, thus avoiding the possibility of a single accounting person being controlled or bribed to record false accounts. On the other hand, since there are enough accounting nodes, theoretically, the accounts will not be lost unless all nodes are destroyed, thereby ensuring the security of the accounting data.
The second one is called symmetric encryption and authorization technology. The transaction information stored on the blockchain is public, but the account identity information is highly encrypted and can only be accessed with the authorization of the data owner, thus Data security and personal privacy are guaranteed.
The third one is called the consensus mechanism, which is how all accounting nodes reach a consensus to determine the validity of a record. This is both a means of identification and a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and strike a balance between efficiency and security. Taking Bitcoin as an example, it uses proof of work. Only when more than 51% of the accounting nodes in the entire network are controlled, it is possible to forge a non-existent record. When there are enough nodes joining the blockchain, this is basically impossible, thus eliminating the possibility of fraud.
The fourth technical feature is called smart contracts. Smart contracts are based on these trustworthy and non-tamperable data and can automatically execute some predefined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and trustworthy, it will be easy to automate claims settlement in some standardized insurance products.
Policyholder Risk Management
In today’s insurance operations, disputes between insurance companies and policyholders often occur, either because policyholders provide false personal information to defraud insurance, or when settling claims, disputes regarding exemption clauses occur. There are differences in the identification. The key to these problems lies in the lack of an authentic and credible data collection and storage method for the personal information of policyholders.
With the advancement of national systematic projects such as the digitization of medical information and personal credit reporting systems, more and more authoritative data sources appear. If these data can be introduced and stored on the blockchain, it will become Along with each person's digital identity, the data on this is authentic and trustworthy, cannot be tampered with, is synchronized in real time, and is valid for life, which will bring great benefits to the risk management of policyholders.
First, it is to connect the data between different companies and refer to each other, so as to timely discover information such as repeated insurance and historical claims, and timely identify high-risk users.
Second, it is to introduce data from different industries into the blockchain, which can improve the accuracy and efficiency of underwriting and claims verification. To give an example of critical illness insurance, if all the medical treatment records of the policy holder and even the medical records of immediate family members can be queried on the blockchain, we will have a first-hand understanding of the policy holder’s current physical condition, disease history, and family medical history. information, effectively preventing you from taking out insurance while you are sick.
For example, Tongxinhuzhu, the first network mutual aid platform in China that uses blockchain technology as its core, uses blockchain technology to achieve decentralized information sharing based on traditional mutual aid platforms and innovatively achieve comprehensive and transparent operations. , to build a fair, just, open, safe and efficient open mutual aid information service platform for the public.

Extended reading: [Insurance] How to buy, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance

『8』Blockchain technology has been applied to the insurance industry

Recently, Qulian Technology and China Life Property & Casualty Insurance held talks and reached a strategic cooperation on strengthening cooperation and promoting the development of technology-empowered insurance industry. Both parties will give full play to the innovative potential of "technology + insurance", introduce blockchain technology into insurance, actively carry out insurance innovation, expand the effective supply of insurance, and promote the upgrading of local social governance and economic transformation and upgrading

『Nine』 Application of blockchain in insurance companies

Although the application of blockchain technology in the insurance industry is mostly in the technical verification stage, the rapid development of application scenarios already indicates that this technology will bring benefits to the insurance industry. to have a transformative impact. 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.

Extended reading: [Insurance] How to buy, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance