银行区块链构建方案,银行区块链构建案例

『一』How to combine blockchain and investment banking

The concept of blockchain community investment banking has been proposed by the Banca team, and it should attract customers in the form of a community. A model in which ‏service providers settle in and then use big data analysis and artificial intelligence to match projects, service providers and investors. Improve efficiency, reduce costs, and avoid being ripped off by big organizations. I hope they can succeed!

『二』 Di Gang: The central bank is actively exploring the application of digital RMB blockchain

On September 10, the 2021 China (Beijing) Digital Finance Forum was held at Lize Financial in Fengtai District, Beijing Held in the business district. Di Gang, deputy director of the Digital Currency Research Institute of the People's Bank of China, delivered a keynote speech at the parallel forum "Blockchain Empowers High-Quality Development of the Digital Economy". He said that the Digital Currency Research Institute of the People's Bank of China is actively exploring the application of digital RMB blockchain. At the issuance layer, a unified distributed ledger is built based on the blockchain, which improves the efficiency of reconciliation; at the same time, the blockchain has certain advantages in solving trust issues, and technical decentralization does not mean management decentralization.

Di Gang believes that the application of blockchain in the financial field mainly includes two aspects: endogenous improvement and external empowerment: in terms of endogenous improvement, there are supply chain finance, agricultural finance, trade finance and general public finance. Beneficial finance and other applications; in terms of external empowerment, financial institutions have also provided better blockchain application services in areas such as smart cities, "agriculture, rural areas and farmers" and people's livelihood.

According to reports, the Digital Currency Research Institute has actively strengthened the construction of the blockchain standard system and has led multiple domestic and foreign standardization organization working groups and standardization projects to promote the formulation of blockchain standards.

Regarding the application of blockchain technology, Di Gang proposed four major principles: talk less about subversion, talk more about scenario applications, use technology to solve industry pain points; be rational and pragmatic, and integrate various mature and advanced technologies to achieve results Optimal, this is also the starting point for adopting a mixed technology architecture for digital RMB research and development; technology is neutral; neither overestimate nor underestimate blockchain, solving problems is the starting point for applying blockchain technology.

In order to empower the high-quality development of digital finance, Di Gang believes that the current blockchain can achieve breakthroughs in eight aspects, including increasing basic theoretical research, mastering core technologies, and formulating core technical standards.

『三』WeBank helps the blockchain industry flourish

On July 19, the "Digital "Chain" Dawan" hosted by China (Shenzhen) Comprehensive Development Research Institute District - Blockchain supports the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area Report (2022)" (hereinafter referred to as the "Report") press conference was held in Shenzhen.

The report believes that digital technology represented by blockchain can play an important role in breaking the ice of institutional differences in the Guangdong-Hong Kong-Macao Greater Bay Area, supporting the leapfrogging of the real economy and empowering innovation in social governance, and effectively boosting the development of Guangdong-Hong Kong-Macao Greater Bay Area. The integrated development of the Hong Kong and Macao Greater Bay Area has entered a new era 2.0. Report on rich blockchain use casesScenery practical cases demonstrate the role and contribution of blockchain in the construction of digital economy, digital society, and digital government.

The Greater Bay Area has sounded the clarion call for the rise of blockchain.

“The blockchain field in the Guangdong-Hong Kong-Macao Greater Bay Area is active in innovation, with rich application results, strong factor attraction, strong policy support, and an ecological development trend.” At the press conference, the report announced the development of the Greater Bay Area in A series of achievements in the blockchain field.

The report shows that in 2021, there were 10,710 blockchain-related invention patent applications in mainland China, Hong Kong, Macao and Taiwan, of which 3,282 occurred in the Greater Bay Area, accounting for 31% of the total. In addition, the Greater Bay Area has published a total of 756 articles on blockchain topics. Compared with other world-class bay areas, the number has begun to clearly dominate.

In the context of unprecedented changes in a century, experts and scholars shared their thoughts on the value of blockchain. Fan Gang, a well-known economist and president of the China (Shenzhen) Comprehensive Development Research Institute, said that under the influence of international situations such as the epidemic and the Russia-Ukraine war, new changes have taken place in the international trade system and currency settlement system. Since the blockchain has the characteristics of privacy, mutual trust of real information, and no need to repeatedly verify duplicate information, it greatly improves transaction efficiency. In his view, with Internet technologies such as blockchain, and empowered by the open source ecosystem of large companies, more small businesses will use the platform to play a role.

Fan Gang, President of China (Shenzhen) Comprehensive Development Research Institute.

Therefore, the report believes that “the Greater Bay Area has sounded the clarion call for the rise of blockchain.” "The Guangdong-Hong Kong-Macao Greater Bay Area has the advantages of open markets, diversified needs, and talent gathering. The cutting-edge science and technology field represented by blockchain is actively innovating, achieving fruitful results, and the ecological development trend has been set. It has become the key to the development of blockchain at home and abroad. The new highland is pregnant with the strong development pulse and greater development future of blockchain and digital economy." Liu, deputy director of China (Shenzhen) Comprehensive Open Key Development Research Institute, said when releasing the report.

Expansion, integration and innovation of cutting-edge technology in "Xinjiang region"

Ma, Vice President and Chief Information Officer of WeBank.

This is an example of using blockchain across borders for trusted data.

Tang Jie, professor at the School of Economics and Management of Harbin Institute of Technology (Shenzhen) and former deputy mayor of Shenzhen, commented on the report and pointed out that currently, the application results of blockchain in the Guangdong-Hong Kong-Macao Greater Bay Area are already very rich. The number of projects ranks among the top in the country, and a number of leading blockchain companies are emerging, which can not only effectively solve the current problem of poor flow of people and the institutional differences caused by commodities and funds in the Guangdong-Hong Kong-Macao Greater Bay Area, but also contribute to the cross-border transfer of data elements. and cross-domain use. He believes that new technologies such as blockchain should actively explore usage scenarios in the Greater Bay Area, and encourage technology-leading companies to be open and open source to create a good ecosystem.

Therefore, the report states that "digital technology represented by blockchain has accelerated the integration of the Greater Bay Area."

This integration is reflected in the fact that technology is melting the ice of institutional differences, supporting the leap of the real economy, and empowering innovation in social governance. Among them, in terms of merging institutional differences, the “Bay Area Fintech Talent Chain” and the Micro-Liu Chuanyi, executive director of Harbin Institute of Technology (Shenzhen) Data Security Research Institute and professor of the School of Computer Science and Technology, also believes that the benefits of blockchain One of the functions is the traceability of evidence, which cannot be tampered with or traced back. This function determines that it can become an important infrastructure in the digital age. “As a basic infrastructure, the blockchain should first be open source, and secondly the source code should be formally verified. In addition, the blockchain should be vertically open, and some important uses should be fed back to these infrastructures, thereby strengthening the sustainability of the infrastructure. Iterate to make this infrastructure clearer."

With the deepening of the connection between the rules and mechanisms of Guangdong, Hong Kong and Macao, the level of integrated development of the Greater Bay Area continues to improve. The report further points out that shallow integration needs such as hardware docking, front stores and back factories, and gradient division of labor for the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area in the 1.0 era are being replaced by deep integration needs such as system compatibility, economic interdependence, and social interconnection in the 2.0 era. .

“The Guangdong-Hong Kong-Macao Greater Bay Area relies on cutting-edge technologies such as blockchain to realize the flow or utilization of trusted data in a multi-system environment, improve the efficiency and effectiveness of the flow of people, logistics, and capital, and significantly expand the economic hinterland, A 'Xinjiang region' that integrates innovation." The report pointed out.

Developing a "trust transfer machine" to help integrated development

"Blockchain, especially alliance chains, are recognized machines for transferring trust. Based on blockchain technology and individual-led distributed data transmission protocols, it can Effectively promote the flow of data elements and help the integrated development of the Greater Bay Area." As a representative of industry practice, Ma said when sharing.

According to its disclosure, WeBank has always regarded blockchain as one of the core technologies of financial technology, and in 2016 it took the lead in launching the blockchain alliance "Golden Chain Alliance" in the financial industry. It has always adhered to the concept of comprehensive security and controllability of blockchain technology, relying on the collaboration of the Golden Chain Alliance open source working group to create FISCO BCOS, the underlying open source platform of the financial alliance chain, to achieve localized support for the entire chain, which greatly accelerated the development of the Guangdong-Hong Kong-Macao Greater Bay Area. The development of the blockchain open source ecosystem. At present, WeBank, as the first digital bank in China, has accumulated 340 million effective individual customers and nearly 2.8 million small and micro enterprises.

Ma revealed that at present, the open source alliance chain ecosystem built by Weizhong Blockchain and many parties has gathered more than 3,000 institutions and enterprises and more than 70,000 individual members, successfully supporting finance, medical care, justice, agriculture, Hundreds of blockchain uses in multiple industries including manufacturing, and more than 200 benchmark uses supporting industrial digitization.

Currently, the blockchain in the Guangdong-Hong Kong-Macao Greater Bay Area is showing an ecological development trend, and the open and diversified blockchain ecosystem is accelerating its evolution. Gu Qingshan, assistant to the general manager of Shenzhen Zhangzhangtong Intelligent Technology Co., Ltd., pointed out that as the flagship financial technology incubated by Ping An Group, finance Zhang Tong has been deeply involved in financial technology for many years.

Has rich experience in the use of financial blockchain, and has deep accumulation in patents, localization, etc., which can meet the actual needs of financial institutions’ blockchain.

As a practical representative of the academic community, Macao Science and TechnologyPang Chuan, vice president of the National Polytechnic University and member of the Macau Legislative Assembly, said that in addition to scientific research and serving society, the most important thing in academia is to cultivate talents. In June 2023, the blockchain project (080917T) passed the Ministry of Education’s general higher education undergraduate program After professional filing and approval, the first batch of blockchain engineering undergraduate graduates will be officially born in 4 years. In addition, Tsinghua University, Peking University, University of Science and Technology of China and other well-known universities are on the list of candidates for the national pilot program for innovative use of blockchain in the education field.

[Written by] Li Hualian

Related Q&A: How does the procuratorate investigate the bank statements of WeBank? The procuratorate only needs to go to the company to investigate the bank statements of WeBank. Under normal circumstances, the court cannot check the bank statements of the person subject to execution. If it is related to the case, it can apply for inquiry. The transaction of the person subject to execution may involve property other than the case. The property inquired, seized, frozen, transferred, and valuated by the people's court shall not exceed the scope of the obligation of the person subject to execution. Therefore, the court cannot inquire without legal authorization. .

『四』 How to apply blockchain technology in international bank settlement

At this stage, banks mainly provide three settlement methods: remittance, collection and letter of credit in international business. There are problems of credit and exchange rate risks, low efficiency, and high costs. In addition, banks mostly use their own credit to intervene in international settlements, which can easily form their own contingent liabilities and reduce the quality of their balance sheets. Banks should actively promote innovation in international settlement business based on blockchain technology, build a new system for international settlement business, and provide safe, stable, low-cost, and efficient international settlement business.

『五』Why do banks love blockchain so much

Many problems remain to be solved when banks compete for blockchain

As traditional financial institutions, banks are The most active pathfinder in the blockchain field. In recent years, many domestic and foreign banks have applied blockchain technology to credit, clearing and other fields. The unique trust mechanism of blockchain is regarded by banks as a key technological breakthrough for innovative risk management and simplified transaction processes. However, as an emerging technology, the blockchain ecosystem is still in the process of being established, its applications are very limited, and many problems still need to be gradually solved during development.

“At present, the blockchain cannot run high-frequency and concurrent transactions, and the network speed and computing power cannot support it. For example, in the payment field, if it is online shopping, it can still be achieved; if It’s high-frequency trading in futures, so it can’t be done,” Huang Zhen said.

Jiang Peng said that at the beginning of designing the blockchain system, CITIC Bank carefully demonstrated the business links suitable for using blockchain.

“From global experience, it is not suitable to use blockchain to build large and complex systems. Don’t try to use blockchain to solve all problems, but focus on solving core problems. Do too much Complex systems are time-consuming, and technology develops so fast that before the old system is completed, it will face iterations of new technologies," Jiang Peng said.

The idea of ​​"only solving core problems" ensures that after the blockchain is launched, the relevant business operations of various CITIC Bank branchesBusiness upgrades can be achieved without process transformation.

Fan Bin admitted that it will take time for banks to fully apply blockchain. IBM’s investment in the blockchain open source community will continue, on the one hand, to cultivate the market, and on the other hand, to compete for blocks. The commanding heights of the chain platform. With the rapid iteration of blockchain technology itself, there is still a lot of room for imagination in the scenarios in which financial institutions can use this new technology.

The content comes from Xinhuanet

『Lu』What layout strategies can banks adopt in the field of blockchain

The current situation of digital currency is that a hundred flowers are blooming. List some Common ones: bitcoin, litecoin, dogecoin, OKcoinetc. In addition to currency applications, there are also various derivative applications, such as NXT, SIA, BitShares, MaidSafe, Ripple, Ethereum, etc.

On January 20, 2016, the People’s Bank of China Digital Currency Seminar announced that the research on digital currency had achieved phased results. The meeting affirmed the value of digital currency in reducing the issuance of traditional currency and stated that the central bank is exploring the issuance of digital currency. Li Lin, founder of Huobi, a Chinese Bitcoin trading platform, said that the expression of the People's Bank of China's digital currency seminar has greatly enhanced the confidence of the digital currency industry. This is the first time that the five central bank ministries and commissions have expressed a clear attitude towards digital currencies since they issued a notice on preventing Bitcoin risks on December 5, 2013.

On December 20, 2016, the Digital Currency Alliance - China FinTech Digital Currency Alliance and FinTech Research Institute were officially established, with Huobi being one of the co-initiators.

Some areas where blockchain can be used can be:

▪ Smart contracts

▪ Securities trading

▪ E-commerce

『撒』 The motivations for commercial banks to develop blockchain

The motivations for commercial banks to develop blockchain:
1. The popularity of the blockchain concept;
2. Traditional large and medium-sized banks are testing blockchain technology one after another;
3. Blockchain technology has huge potential effects on banks;
4. The need for banks’ own transformation and development;
5. Banks Management supports the use of blockchain technology. Commercial Bank (Commercial Bank), abbreviated as CB in English, is a type of bank. It is a financial institution that acts as a credit intermediary through deposits, loans, exchange, savings and other businesses.