赛迪青岛区块链研究院怎么样,赛迪区块链研究院院长

『一』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 only 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 small number of 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.

『二』What is the development trend of China’s blockchain in 2021

Looking forward to 2021, the top-level design of my country’s blockchain It will be further improved, application standards for various industries will be gradually established, and the development direction will move from technology leadership to market penetration; blockchain integration applications will begin to be implemented in many fields such as finance, supply chain, government affairs, etc., and the industrial scale will show rapid growth. But currently Many problems faced by my country's blockchain development still need to be focused on and started to be solved or alleviated in 2021. For example, the independent innovation capabilities of core technologies still need to be further strengthened, security issues and talent gaps need to be urgently improved, and integrated application scenarios still need to be improved. In-depth exploration is needed. Therefore, CCID Research Institute proposes to accelerate the construction of the blockchain ecosystem, improve standards and regulations, improve the regulatory system, strengthen the independent innovation capabilities of core technologies, promote the coordinated development of blockchain and other new technologies, and vigorously cultivate professional Talents to achieve the healthy development of the blockchain industry.
Ebaoquan has been committed to the research and development and independent innovation of blockchain applications since 2014. It is a company that maturely uses blockchain technology to solidify and store electronic data. , a blockchain electronic data storage and preservation institution recognized by judicial authorities. Through the first "blockchain + judicial + application" model, with blockchain technology as the underlying technology and electronic data storage and preservation as the basis, the Intellectual property protection (micro-copyright), electronic contract signing (Junzi signature), and Internet notary system (Zhongzhengbao) have three application layer brands.
Ebaoquan Joint Notary Office, Arbitration Committee, Copyright Protection Center, and CA Agency etc. jointly launched the "Preservation Chain" open platform. At the same time, it is connected to the Guangzhou Internet Court and the judicial chain participated by more than 30 courts led by the Supreme People's Court. Continuously improving the "blockchain + judicial" ecosystem, Yi Baoquan can provide different groups with One-stop blockchain security services such as evidence collection, certificate storage, and certificate issuance.
At present, it has obtained 15 independent invention patents, 27 copyrights, ISO 27001 information security system certification, the Ministry of Public Security Level 3 certification, a national double-high enterprise, and the 2018 Industrial Internet Pilot Demonstration Project of the Ministry of Industry and Information Technology (the only district Blockchain selected projects), one of the first batch of domestic blockchain information service registration companies by the State Cyberspace Administration of China in 2019.

『三』What is the current development prospect of blockchain technology

Research strength has increased and research results have been significant

As of the end of 2019, the number of blockchain research institutions in my country has Already reached 97. In addition, domestic universities have deployed blockchain technology research, strengthened the innovation of blockchain technology theoretical knowledge, and improved the blockchain technology research and development capabilities of universities. By the end of 2019, there were 24 universities in my country participating in strengthening blockchain technology research and development. The core technologies are mainly distributed in the aspects of consensus algorithm, cross-chain, underlying architecture and multi-chain.

The blockchain industry will be further standardized in 2020

In 2020, my country's blockchain policies will continue to be favorable, standards and regulations will be more perfect, industry scale will continue to grow, technology will continue to innovate and develop, and application demonstration effects in key areas will accelerate. At the same time, based on the problems existing in the development of my country's blockchain in 2019, CCID Blockchain Research Institute proposed to speed up top-level design and formulation, establish a sound regulatory system, accelerate core technology innovation and research and development, promote third-party evaluation and certification, strengthen professional talent training, and accelerate promotion Six suggestions for implementation in various fields.

——The above data comes from the "China Blockchain Industry Market Foresight and Investment Strategic Planning Analysis Report" by the Qianzhan Industry Research Institute.

『四』It’s 2021, what will be the development trend of my country’s blockchain technology in the future

Domestic blockchain technology has been conceptualized a few years ago, and now it has It has been widely used in actual business scenarios, such as the rice we eat, and the QR code on the packaging
Traceability is the application of blockchain technology. Companies like Shanghai Wanglian Technology entered the market earlier and are currently developing very well.

『五』Why doesn’t the country ban Tether trading?

Tether is illegal in China.

As early as September 4, 2017, seven ministries and commissions including the People's Bank of China issued the "Announcement on Preventing Token Issuance Financing Risks", prohibiting all types of token issuance (ICO) financing activities. "This means that including various game currencies, it is illegal as long as they are issued and traded in the country." Liu Quan, director of the CCID Blockchain Research Institute, said. According to him, the only legal digital currency in our country is the DCEP currency issued by the central bank.

Although centralized digital trading currencies like USDT have always had various problems such as over-issuance, spam issuance, circulation and opaque value endorsement, it has still become the largest transaction volume in addition to Bitcoin and Ethereum.The largest digital currency and continues to affect the price fluctuations of the digital currency market.

(5) CCID Blockchain Research Institute project settled in Laoshan Further reading

Anti-MLM expert Yi Tie analyzed that this is a typical model of virtual currency plus MLM currency. Applying virtual currency fraud in the name of blockchain is actually a fake virtual currency and a fake ICO. The essence is still a fraud. "The bubble of digital currency is already very big, and with the addition of MLM coins, the bubble will be even bigger. This Planting projects is almost a must, it’s just a matter of time.”

A senior person in the currency circle who did not want to be named told ChainDD APP that he had actually received news nearly two months ago that USDT would have problems. Therefore, this person and other senior investors in surrounding digital currencies have quickly cleared their USDT assets and no longer use USDT as a medium to trade other digital currencies.

『Lu』 How will Guirentong develop in the future?

In 2019, the industry market size reached 1.2 billion yuan

China in 2016 The market size of the blockchain industry is around 100 million yuan, and will grow to 1 billion yuan by 2018.
In 2019, the scale of my country's blockchain industry has grown steadily, with an industry scale of approximately 1.2 billion yuan. With the attention and attention of local governments, it is expected that the market size of my country's blockchain core products and solutions and related derivative industries will reach 10 billion yuan by 2022.

The blockchain industry will be further standardized in 2020

In 2020, my country's blockchain policies will continue to be favorable, standards and regulations will be more perfect, industry scale will continue to grow, technology will continue to innovate and develop, and application demonstration effects in key areas will accelerate. At the same time, based on the problems existing in the development of my country's blockchain in 2019, CCID Blockchain Research Institute proposed to speed up top-level design and formulation, establish a sound regulatory system, accelerate core technology innovation and research and development, promote third-party evaluation and certification, strengthen professional talent training, and accelerate promotion Six suggestions for implementation in various fields.

——The above data comes from the "China Blockchain Industry Market Foresight and Investment Strategic Planning Analysis Report" by the Qianzhan Industry Research Institute.

『撒』 How to use modern information technology such as blockchain to improve the digitalization level of supply chain finance

In recent years, supply chain finance has been encouraged by many policies at the national level and is a service entity in my country. economy and support small and medium-sized enterprises. On July 6, 2019, the China Banking and Insurance Regulatory Commission issued the "Guiding Opinions of the General Office of the China Banking and Insurance Regulatory Commission on Promoting Supply Chain Financial Services to Serve the Real Economy", requiring banking and insurance institutions to rely on core supply chain enterprises to provide upstream and downstream chain enterprises with A package of comprehensive financial services such as financing, settlement, and cash management. In September 2020, eight departments including the central bank, the Ministry of Commerce, and the Ministry of Industry and Information Technology issued the "Opinions on Regulating the Development of Supply Chain Finance and Supporting the Stable Cycle and Optimization and Upgrading of the Supply Chain Industrial Chain", requiringFinancial institutions and real enterprises should strengthen information sharing and collaboration, improve the online and digital level of supply chain financing, and improve the efficiency of accounts receivable financing of small, medium and micro enterprises, which has become a programmatic document for the development of supply chain finance in my country. The 2021 Government Work Report separately mentions "innovative supply chain financial service models" for the first time, which means that the development of supply chain finance has become a national strategy. It can be seen from this that the state emphasizes on the service model to play the credit transmission role of core enterprises based on the authenticity of trade; on the application of technology, it encourages the role of blockchain, big data, Internet of Things and other technologies , monitor the flow of information such as property rights and claims in the industrial chain to solve the problem of business credit risk management and control.
According to data from the National Bureau of Statistics, the accounts receivable of my country's industrial enterprises above designated size exceeded 16 trillion yuan in 2020, an increase of 15.1% from the end of 2019; the inventory of finished products reached 4.6 trillion yuan, an increase of 7.5%. The balance of accounts receivable continues to increase nationwide, and the proportion of liquid assets also continues to rise. Problems such as slowdown in corporate working capital turnover, high financing pressure, and high liquidity risks in accounts receivable cannot be effectively alleviated, which to a large extent affects The healthy development of small and medium-sized enterprises and the good operation of the economy. It is urgent to solve the working capital pressure of real enterprises, especially the financing problems of small, medium and micro enterprises. "Ask the easy questions and solve the difficult ones." To solve the financing problems of small, medium and micro enterprises, we must first solve the problem of mutual trust between banks and enterprises in the industrial chain, and truly realize that the information on financial services and business operations is well-founded, verifiable and consistent. Returning to the essence of blockchain is actually to use technologies such as data encryption, multi-party verification, and blockchain storage to solve problems such as difficulty in verifying the authenticity of assets and trade information between buyers and sellers in the industry chain, and high cost of credit assessment; through blockchain technology To optimize the production relations of the inclusive financial ecosystem and accelerate the improvement of supply chain financial innovation service models and service capabilities.
According to the "Blockchain Financial Application Development White Paper (2020)" released by the Industrial and Commercial Bank of China Financial Technology Research Institute, supply chain finance regards the core enterprises in the supply chain and its related upstream and downstream enterprises as a whole. Relying on core enterprises and taking real trade as the premise, we use self-reimbursement trade financing to provide comprehensive financial products and services to upstream and downstream enterprises in the supply chain. By observing the current development of supply chain finance business, we found that its large-scale substantial advancement still faces many difficulties.
Multiple levels of credit transmission are blocked. Restricted by corporate reputation and traditional financial risk control requirements, the self-built supply chain financial platforms of most financial institutions and core enterprises mainly focus on the first-level upstream and downstream of core enterprises, but can truly cater to the second-level, third-level, and N-level upstreams. There are very few downstream enterprises that can use the real trade links of core enterprises as credit endorsement to carry out financing business. Under existing business operations, we often face situations where core enterprises or key enterprises are not proactive and unwilling to cooperate in confirming rights. The reason is that there is often no direct trade relationship between core enterprises and N-level enterprises, and core enterprises in a strong position have no intentionCooperation; and there are problems such as high frequency of rights confirmation, cumbersome offline operations, and concerns about leakage of business secrets. Therefore, small, medium and micro enterprises in the industrial chain cannot solve their own financing problems with the help of core enterprise credit and trade flow information, and the credit "watering" of core enterprises only reaches first-level upstream and downstream enterprises. Blockchain has the characteristics of distributed ledger, transparent traceability, automatic execution of smart contracts and other characteristics, which has become the exploration direction of technology application to solve credit disassembly and realize multi-level credit transmission.
The authenticity of the trade is difficult to verify. Supply chain finance relies on real trade transactions to carry out financing. However, in practice, due to the lack of effective verification methods and multi-dimensional risk control data sources, it is difficult for financial institutions to know the authenticity of transaction information, and manual verification Costs remain high, resulting in information asymmetry and trust gaps between banks and enterprises. In recent years, there have been frequent news incidents of loan fraud involving companies colluding and colluding with false trade. Therefore, solving the information asymmetry between banks and enterprises has become a necessary condition for the smooth development of supply chain finance. Blockchain's multi-party maintenance of the same ledger, built-in timestamp, and non-tampering characteristics are beginning to be used by industry insiders to build multi-dimensional trusted data sources to ensure the verifiability of transaction information.
Information from multiple parties in the industry chain is separated from each other and cannot be shared. The links, enterprise types, participants, etc. involved in supply chain finance are relatively complex and diverse. The information and data islands of each supply chain participant have not been effectively connected. Faced with problems such as difficulty in matching capital flow, information flow, business flow, and cargo flow, it has not been able to form a The synergistic effect of the entire industrial chain has hindered the development of supply chain finance, making it difficult and difficult to cure the stubborn problem of financing difficulties and expensive financing for small and medium-sized enterprises.
In response to the above-mentioned outstanding problems in the development of supply chain finance, my country has proposed an "innovative supply chain financial service model" at the central government level for the first time. As an emerging financial service model, industry insiders generally believe that in order to innovate the supply chain financial model, it is necessary to accelerate the digital transformation of supply chain finance, conduct business online and digitally, and use blockchain, big data and other technologies to solve trade confirmation issues. , transaction authenticity and other issues, helping financial institutions control transaction risks and build a digital trust mechanism. The key is to make the information data in supply chain financial activities credible, transparent, mutually verified and traceable.
Blockchain technology has been identified as an important breakthrough for independent innovation of national core technologies. The Ministry of Industry and Information Technology positioned it as a new infrastructure in 2019 and has begun to serve the real economy on a large scale, reducing costs and increasing efficiency for the real economy. According to statistics from CCID Blockchain Research Institute, blockchain accounted for 29% of application implementation projects in the financial field in 2019, the highest proportion among application implementation projects in the same period, covering electronic vouchers, payment and settlement, and insurance claims. , credit investigation, loan financing and other business scenarios. According to the "China Blockchain Development Report (2020)", it is expected that the market size of my country's blockchain core products and solutions, as well as related derivative industries, will reach 10 billion yuan by 2022. From the perspective of the technology itself, according to the "White Paper on Supply Chain Finance Based on Blockchain Technology (2020)"》, Blockchain is a system that connects data blocks in chronological order and combines them into a chain data structure, which is distributed and stored consistently among all participants, and cryptographically ensures that the data cannot be tampered with or forged. Distributed ledger technology. Blockchain is the integration of a series of technologies such as point-to-point network, data encryption, distributed data storage, and consensus mechanisms. It has the characteristics of multi-center, non-tampering, traceability, and high security. As a new cutting-edge technology, blockchain is naturally suitable for supply chain finance business scenarios involving multiple parties, and has great talent to promote supply chain finance to deeper industrial applications.
Faced with the difficulties faced by supply chain finance business development, the blockchain-based supply chain finance platform has changed the business development model in the following aspects.
Confirm the rights of basic claims. Since the logic of supply chain financial financing services is to transfer the debt claims formed based on the supply chain as a financial asset to achieve financing, it is necessary to confirm the rights of the basic claims, that is, to confirm that the basic claims have been truly generated and confirmed. Unfavorable factors that may affect the effective exercise of the underlying claims have been eliminated. Faced with the practical problem that core enterprises are unwilling to cooperate in confirming rights, the blockchain-based supply chain financial platform transforms claims into blockchain digital certificates that can be freely split, transferred for payment, and financing, which can realize accounts receivable. The circulation of payment transactions among multi-level enterprises. While ensuring the authenticity of the trade, this model is equivalent to pre-confirmation of rights. Financial institutions can directly lend money based on the blockchain digital certificate in one step online, changing the traditional offline lending model.
Achieve multi-level transmission of credit. The core of supply chain finance is credit. Only multi-level transmission of credit can effectively provide financing services to small, medium and micro enterprises based on the credit of core enterprises. Different from the traditional supply chain finance method, the credit of core enterprises can only be transmitted to first-level enterprises. Financial technologies such as blockchain are used to generate transferable digital certificates on the platform, and the underlying assets of debts and claims generated by trade are transferred through the blockchain. Generate unique digital credentials. Its block chain structure with timestamps can ensure that digital certificates cannot be tampered with, are highly verifiable and traceable, can be transferred and split, and turn corporate credit into a tool. After multiple splits and transfers, digital certificates can clearly retain the core corporate credit, allowing the core corporate credit to be passed along trusted trade links to the end of the industrial chain. For example, after a first-tier supplier signs for a voucher issued by a core enterprise, it can transfer it to the upper-tier supplier as a means of payment based on the real trade background, which solves the problem that the core enterprise's credit cannot be transferred to multi-tier suppliers.
Ensure the authenticity of trade. By fully recording and uploading basic materials related to trade in the supply chain - contracts, invoices, documents, funds and other information - all types of data can be shared in a timely manner. Utilizing blockchain's real-name authentication, cross-verification identity access, authentication, etc., can ensure the credibility of data sources; technical features such as multi-level encryption and signature verification can ensure data security. Combined with big data analysis technology, through cross-validationThe verification of the authenticity of trade data can effectively reduce the verification and risk control costs of offline authenticity, build a new trust mechanism and efficient collaboration mechanism, and effectively support supply chain financial services to cover multi-level enterprises in the supply chain, especially They are small, medium and micro enterprises at the end of the scale.
With the popularization of technology, the exploration of supply chain financial innovation models based on blockchain is in the ascendant. For example: Zheshang Bank cooperated with Qulian Technology in 2017 to launch the accounts receivable chain platform. The platform adopts the "blockchain + supply chain finance" model and can handle the issuance, acceptance, confirmation and payment of accounts receivable. , transfer, pledge, redemption and other businesses, converting accounts receivable into electronic payment settlement and financing tools, revitalizing the originally illiquid accounts receivable assets; Tianjin Free Trade Pilot Zone launched a blockchain-based receivable Xin Warehouse is the country's first supply chain financial innovation model that integrates warehouse receipt pledge, disposal, trading, and risk control and price locking.
As one of the important starting points for financial digital transformation, blockchain has entered a comprehensive construction stage. The original intention of building blockchain is to empower the development of industry and finance. By leveraging the role of blockchain in building digital trust, we can build new organizational relationships, create an innovative service paradigm for industrial chain finance, and actively promote the digital, intelligent, and scenario-based development of supply chain finance. , to help create an open, shared, green, efficient and credible supply chain financial ecosystem, truly solve the practical pain points of many parties in supply chain financial services, and enhance the stability and competitiveness of the industrial chain supply chain.
The author is the CEO of Qulian Technology