央行区块链平台上线,央行区块链平台有哪些

Ⅰ How to view the central bank’s issuance of blockchain-based legal digital currency

The trial operation platform is owned by the central bank, and this platform is not currently open, it is only a successful test. These electronic currencies used for testing by the central bank may be legally legal currency, but they have not yet left the central bank's door. Therefore, the word "release" in the news headline is very loose, and it is the material that all kinds of ghosts and ghosts are most looking forward to. One of the impacts is that various people have begun to endorse the so-called central bank and create a new wave of attention-grabbing ‘news’. The impact on Bitcoin is that countless analyzes and speculations advocating for ups and downs are coming in again.

China Securities News: Is blockchain technology suitable for digital currency?

Li Wei: In recent years, blockchain technology has gradually received close attention from the financial industry at home and abroad. Central banks, commercial banks, and Internet companies in some countries have actively explored blockchain technology and its application in the financial field. application. Digital currency involves distributed architecture, cryptography technology, security chips, mobile payments, trusted computing and other technologies. Blockchain technology is only one of the optional implementation technologies for digital currencies. Whether it will be used in digital currencies in the future depends on whether the deficiencies of blockchain technology in network security, business processing performance, transaction consistency, etc. can be solved. It also depends on the unremitting efforts of all parties in industry, academia, and research in terms of its technical system, application framework, etc. Explore and perfect. To this end, the People's Bank of China chose to build a blockchain technology application prototype system in the bill business scenario in 2016, actively organizing all parties to study its technological maturity and business adaptability, and verify its feasibility of large-scale application in the financial industry. The meaning of this expression in the interview is: there are still unresolved shortcomings in the current application of blockchain technology. With our party’s governance style in recent years, we will not [issue] something with such shortcomings that need to be resolved.

Summary: On February 5, 2017, the day the question was answered, the Central Bank of China was not the first central bank in the world to issue and apply digital currency.

II Is it a good idea for the central bank to establish a "blockchain bank"?

Theoretically, this is a good idea and can better regulate people's Leverage blockchain technology.
From the perspective of blockchain technology development, it can be divided into three stages: the first stage is the application of digital currencies such as encrypted currency, transfers, remittances and digital payment systems; the second stage is encrypted stocks and bonds , futures, loans, smart assets and smart contracts and other broader asset target applications; the third phase will be applied in government, health, science, culture and art, etc. At present, the application of blockchain technology is only in the process from the first stage to the second stage.
Currently, blockchain banking services include: 1. P2P cross-border payment and remittance for point-to-point transactions, trade settlement, and securities, futures, and financial derivatives contract sales, etc. 2. Registration. Blockchain has a reliable database to record various information, and the stored anti-money laundering customer identity information and transaction records are credible and traceable. 3. Confirm rights. RuhengProcedures such as the determination of rights in registration and transfer matters in the common law system can be realized through blockchain technology. 4. Intelligent management. Since the "smart contract" can automatically detect the validity and meet the program conditions, the contract will automatically process interest payments and dividends, avoiding the risk of credit default caused by human intervention.
The foreign R3 is a blockchain alliance, which can be regarded as an organization that formulates unified standards. Ethereum and the distributed content publishing platform DECENT are projects developed based on blockchain technology.

Ⅲ Blockchain companies cooperate with central banks of many countries to develop CBDC. It is possible for central bank digital currencies to adopt blockchain.

As we all know, the legal digital renminbi uses a centralized ledger based on the UTXO model. The People's Bank of China is responsible for the unified maintenance and management, which is not consistent with blockchain technology, which uses decentralized distributed ledgers as one of its core mechanisms. The use of blockchain technology advantages by blockchain technology companies to participate in the central bank digital currency (CBDC) is a new breakthrough and new application of blockchain technology.

ConsenSys participates in CBDC research and development

It is reported that ConsenSys has released the "Blockchain Solution for Central Bank Digital Currency (CBDC)" on its official website. The article stated that digital currency can provide Cheaper cross-border remittances, improved inter-bank payment settlement and accelerated retail market innovation, etc. If central banks do not issue their own digital currencies, it will lead to markets relying on "private payment tokens", potentially creating a risk of failure and financial problems for private entities, as private tokens may not be available to everyone, Central bank digital currencies will bring risk-free, widely used alternatives.

Charles d'Haussy said that in 2016, ConsenSys began to work on CBDC through cooperation with the Singapore Monetary Authority and the South African Reserve Bank, and also gradually developed cross-border payment technology business. "Building on this foundation, we are exploring a larger concept - 'programmable money', which can be supported by any CBDC with a token architecture. CBDC is a perfect iteration of electronic cash that can improve the utilization of central bank funds. efficiency, ensuring a more efficient value chain.”

In addition, ConsenSys recently released a compliance service to help exchanges and decentralized finance (DeFi) projects identify possible issues related to Ethereum issuance. Token trading activity related to criminal activity. Lex Sokolin, co-head of global fintech at ConsenSys, said, “More and more people are building decentralized applications, which is part of the puzzle. What we are trying to do is make activities on decentralized financial infrastructure more Safe, transparent and easier to track."

With a strong background in blockchain technology, ConsenSys participates in central banks in Australia, France, Thailand and other countries.The research and development of digital currency may make it possible to integrate blockchain technology with CBDC.

The feasibility of using blockchain technology for CBDC

Regarding the question of whether blockchain, which features a decentralized distributed ledger, can be combined with a centralized central bank digital currency Yao Qian, director of the Science and Technology Supervision Bureau of the China Securities Regulatory Commission, pointed out that whether CBDC adopts blockchain technology is still controversial. A typical view is that the decentralization of blockchain conflicts with the centralized management of the central bank, and it is not recommended for CBDC to adopt it. The technology.

However, blockchain technology is developing at an unprecedented speed and is deeply integrated with various mainstream technologies. Therefore, no matter from a technical perspective or a business perspective, the blockchain in real applications is in line with the "original teachings". The understanding of "ism" is different. How to use blockchain technology to better serve distributed operations under centralized management may be the current direction that CBDC needs to focus on exploring.

Yao Qian believes that although the technical characteristic of blockchain is that it does not rely on central institutions, it does not mean that it cannot be incorporated into the system of existing central institutions. As long as it is properly designed, the central bank can just use it Blockchain effectively integrates distributed operations and better realizes centralized management and control of CBDC. There is no inevitable conflict between the two. As an emerging technology that may become the future financial infrastructure, blockchain helps achieve distributed operations without affecting centralized management for the dual model of central banks and commercial banks. Bottom-up "exchange" can formulate a new CBDC implementation plan, which also achieves the goal of "centralized management and control, distributed operation".

A digital currency research project announced by the Reserve Bank of Australia is exploring the potential use and impact of a central bank digital currency (CBDC) using distributed ledger technology (DLT).

Under the project, Australia will develop a proof of concept for issuing a CBDC in the form of a token that market participants will be able to use for financing, settlement and repayment on an Ethereum-based DLT platform. Tokenized syndicated loans. The project is expected to be completed around the end of 2020, and various project participants plan to release a thematic report on the project and its key findings in the first half of 2021.

IV What are the blockchain technology application and development platforms currently available in China

The so-called blockchain technology, referred to as BT (Blockchain technology), is also called distributed ledger technology. An Internet database technology characterized by decentralization, openness and transparency, allowing everyone to participate in database records.

IV What is the China Blockchain Network?

The China Blockchain Network is a large-scale comprehensive media organization formally approved by relevant national departments to publish financial and economic information. The network is jointly organized by the China Enterprise News Observation Network and 28 financial institutions, 36 universities and 200 commercial companies around the world.The association and more than 100 world-renowned media jointly organized it in 2012. It is now hosted by Zhongcheng Culture Media Co., Ltd. and is the world's largest blockchain portal.

China Blockchain Network adheres to the network policy of "overviewing the dynamics of the blockchain situation, gathering blockchain business strategies, disseminating blockchain hotspot information, and demonstrating the rich value of the blockchain", relying on the world Authoritative organizations (China Socioeconomic Decision-making Advisory Committee, China Socioeconomic Decision-making Consulting Center, China Market Research Center and China Market Survey and Research Center) conduct research, judgment and decision-making on the blockchain. The operating agencies cooperate with the People's Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. , the top ten commercial banks, the top ten law firms, the top ten accounting firms, the top ten intellectual property companies, the China Professional Credit Platform and more than 100 Internet and financial research institutions platforms of relevant national ministries and commissions, absorbing 200 key international and domestic institutions It has the authoritative opinions of 650 well-known experts and scholars in the school, as well as first-line information provided by more than 2,000 outstanding editors and 500 national Internet technology backbone special writers. Its authoritativeness, forward-looking, comprehensive, strategic, authenticity and practicality have been recognized by the global market, making China Blockchain Network unique in the global blockchain field.

Opened by China Blockchain Network "
China Blockchain Network is a large-scale comprehensive media organization that publishes financial and economic information officially approved by relevant national departments. The network is owned by Chinese enterprises News Observation Network was jointly organized by 28 financial institutions, 36 universities, 200 business associations and more than 100 world-renowned media around the world in 2012. It is now hosted by Zhongcheng Culture Media Co., Ltd. and is the world's largest blockchain portal. .

China Blockchain Network adheres to the network policy of "overviewing the dynamics of the blockchain situation, gathering blockchain business strategies, disseminating blockchain hotspot information, and demonstrating the rich value of the blockchain", relying on The world's authoritative institutions (China Social Economic Decision-making Advisory Committee, China Social Economic Decision-making Consulting Center, China Market Research Center and China Market Survey and Research Center) conduct research, judgment and decision-making on blockchain. The operating agencies cooperate with the People's Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission, The China Insurance Regulatory Commission, the top ten commercial banks, the top ten law firms, the top ten accounting firms, the top ten intellectual property companies, the China Professional Credit Platform and more than 100 Internet and financial research institutions from relevant national ministries and commissions have cooperated with the platform, attracting 200 international and domestic institutions. The authoritative opinions of 650 well-known experts and scholars from key universities, as well as front-line information provided by more than 2,000 outstanding editors and 500 national Internet technology backbone special writers. It is authoritative, forward-looking, comprehensive, and strategic , authenticity and practicality have been recognized by the global market, making China Blockchain Network unique in the global blockchain field.

The "Thing Chain Network, Chain Weekly, and Chain Research" opened by China Blockchain Network Newspaper, finance, news, banking, legal system, securities, futures, finance, finance, intellectual property,Key columns such as "Digital Currency, Financial Management, Credit, and Culture" are world-renowned. The various dynamic information broadcast daily goes directly to financial institutions and central banks around the world, the China Banking Regulatory Commission, the China Insurance Regulatory Commission, the China Securities Regulatory Commission and various commercial banks, Internet of Things companies, law firms, Financial management companies, etc., are the link and bridge for communication and cooperation between blockchain and all walks of life.

The "China Small and Medium-sized Investment Development Forum" and "International Cultural Industry Investment" hosted and co-organized by China Blockchain Network Major events such as "Meeting Fair" are well-known at home and abroad.

The purpose of China Blockchain Network: to connect with the world, serve the world, run the network with integrity, and keep pace with the world.
Finance, news, banking, legal system ", securities, futures, marketing, financial management, culture" and other key columns are world-renowned. Various dynamic information reported daily goes directly to various financial institutions and central banks around the world, the China Banking Regulatory Commission, the China Insurance Regulatory Commission, the China Securities Regulatory Commission and various commercial banks, policy banks, joint-stock banks, and rural credit cooperatives. It is the link between blockchain and all sectors of society for communication and cooperation. and bridges.

Major events such as the "China Small and Medium-sized Investment Development Forum" and the "International Cultural Industry Investment Fair" hosted and co-organized by China Blockchain Network are well-known at home and abroad.

The purpose of China Blockchain Network: to connect with the world, serve the world, run the network with integrity, and keep pace with the world.

China Blockchain Network: Global Blockchain Leader
China Blockchain Network: The World’s Largest Information Exchange Platform for Blockchain

VI Blockchain Technology Is it the way out for the central bank's digital renminbi?

Digital renminbi is a legal currency endorsed by the state. It has been the focus of people's attention since the concept was born.

At present, the digital renminbi has basically completed top-level design, standard formulation, functional research and development, joint debugging and testing. It is understood that the digital currency will first conduct internal closed pilot tests in Shenzhen, Suzhou, Xiongan New Area, Chengdu and future Winter Olympics scenes.

If all goes well, we will be able to unveil digital currency in 2022.

Recently, Yi Gang, Governor of the People's Bank of China, made it clear that there is no preset technical route for digital RMB research and development work, and it can compete fairly in the market to select the best. , either blockchain technology can be considered, or new technologies evolved on the basis of existing electronic payments can be adopted to fully mobilize the enthusiasm and creativity of the market.

In other words: Blockchain is a technical route considered in the research and development of digital renminbi, but it is by no means the only option.

Digital RMB and Bitcoin

Blockchain is Bitcoinunderlying technology.

Like Bitcoin, digital renminbi realizes point-to-point payment through smart contracts. It has strict procedures for cross-verification and is not easy to be forged; < /p>

Although they are both virtual currencies, the difference is that digital currency is a legal currency used for circulation and has legal effect; Bitcoin is a virtual asset and has investment value. .

Digital RMB and Blockchain

Although blockchain is not the only option, blockchain technology has strong competitiveness.

The digital renminbi adopts a two-tier operation system, that is, the People's Bank of China does not directly issue and exchange central bank digital currency to the public, but first exchanges the digital renminbi to designated operating agencies, which are then redeemed to the public. Operating institutions need to pay 100% reserves to the People's Bank of China. This is the 1:1 exchange process.

On July 28, the Agricultural Bank of China issued an announcement saying: Agricultural Bank of China Financial Technology Co., Ltd. (hereinafter referred to as "Agricultural Bank of China Financial Technology") was established through a subsidiary. ) was formally incorporated in Beijing with a registered capital of RMB 600 million.

According to the announcement, the business direction of Agricultural Bank of China Jinke is mainly to use financial technology to carry out technological innovation , software research and development, product operations and technical consulting. In the recruitment announcement issued by Agricultural Bank of China Jinke, the author found that there is a position in software research and development: blockchain research and development engineer.

The main responsibilities are: blockchain technology application research, project construction and optimization work, and promoting blockchain-based Chain banking business expansion and business optimization, and provide solutions.

From these actions, it can be seen that blockchain technology is one of the key technologies for banks to develop. No matter what the final digital renminbi will be, the area Blockchain technology will promote our continued progress and development.

Author of the article: Xiaolian Finance Dashi

Ⅶ What does the national blockchain platform have

Legal analysis : 1. Jinrong China Financial Industry Co., Ltd. 2. Bitfinex 3. Huobi.com 4. Binance.com 5. OKEx; these are several popular digital asset trading platforms in the world. There are many types of digital currencies for trading, and their main functions are that isWork on cashing out and derivative transactions of digital assets.

Legal basis: Article 4 of the "Blockchain Information Service Management Regulations" encourages blockchain industry organizations to strengthen industry self-discipline, establish and improve industry self-discipline systems and industry standards, and guide blockchain information service providers to establish Improve service standards, promote the construction of industry credit evaluation systems, urge blockchain information service providers to provide services in accordance with the law and accept social supervision, improve the professional quality of blockchain information service practitioners, and promote the healthy and orderly development of the industry.

Ⅷ Is it true that the central bank’s digital currency has entered the radar wallet?

What are you thinking? Radar currency is a digital currency, and all mining tools have been stopped and closed by the central bank. You still want to ask the central bank to speculate in currencies with you.
1. Radar is a blockchain application platform commonly used by Chinese people in China. Radar wallet is a popular international blockchain wallet today.
2. Radar Wallet is like the global Alipay. As long as the coins are deposited in the wallet system, Radar coins will be given to Radar coins every day, and the interest is compounded on a daily basis, and the annual income is as high as 300%.
3. To put it simply, it is a bank card similar to MasterCard, except that traditional bank cards can deposit and withdraw money in legal currencies, such as RMB, US dollars, pounds, etc., while Radar Wallet can not only deposit, withdraw money and transfer money Legal currency, but also digital currencies can be deposited, withdrawn and transferred.