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『一』What are the application fields of blockchain

ASSET empowers global entity enterprises

Wall Street fund investment banks extensively serve global entity industries , has been committed to the incubation of small and medium-sized enterprises and has very scientific solutions to promote the rapid development of enterprises. ASSET is issued by Wall Street Fund Investment Bank and is a digital certificate that circulates in global physical industries. ASSET is an open platform based on blockchain technology. ecosystem. It is understood that ASSET has recently empowered blockchain for global alcohol companies. The core concept is to integrate blockchain technology with the real economy. Through product traceability and evidence collection, it integrates the most comprehensive alcohol industry intelligence that can directly affect corporate profits and losses. and market data, to allocate and convert value to alcohol production companies, suppliers, consumers, and potential consumers, subversively creating unprecedented driving force and unimaginable value returns for the industry.

『二』 What is blockchain and what fields is it used in?

1. What is blockchain? One sentence summary.
Answer: Blockchain is an encrypted database chain, that is, transaction data in multiple timestamps/events are encrypted and associated together. The data cannot be tampered with and can be shared.
2. Performance and logic:
a. External operation manifestations: bank deposits, withdrawals, remittances, incoming and outgoing accounts, shopping, currency issuance, capital transactions, etc.
b. Internal logic processing (software program): After manual operation, the data will be encrypted and then stored in the database. The data will be divided into areas through the program, such as classifying and putting together the data that occurred within the event and timestamp. is the data for a region. The association of data occurring within multiple events and timestamps is the blockchain. The encrypted data can be shared but cannot be tampered with.
c. Sharing manifestations: querying personal information, checking accounts, etc. Query permissions/sharing permissions: Different permissions query different data. For example, a bank can check everyone's information, but an individual can only check personal information.
3. Most of the examples given are different, but the logical processing ideas are the same, but the implementation methods and operations are different.
4. Blockchain: It has the characteristics of encrypted data, non-tamperable data and shared data.
5. Blockchain technology: a technology that uses editing programs to encrypt, partition, and share data.
I have suggestions and would like guidance.
Application fields: finance, IT, merchandise sales, online shopping, etc.

『三』 Discussing “Smart Taxation”

Discussing “Smart Taxation”

As the General Office of the CPC Central Committee and the General Office of the State Council issued the "On Further Deepening the Reform of Tax Collection and Administration" "Opinions" (hereinafter referred to as "Opinions"), various places have carried out in-depth study. As a veteran in the field of tax informatization construction, I participated in the third phase of the national golden tax promotion, the development of our province’s electronic taxation bureau and the construction of the big data platform. For digital upgrade and intelligent transformation of tax collection and administrationI, who have been paying attention to it, also studied the full text of the "Opinions" for the first time and gained some new understanding of "smart taxation".

"Smart taxation" has this description in the "Opinions": Make full use of modern information technologies such as big data, cloud computing, artificial intelligence, and mobile Internet, and strive to promote the aggregation and connection of internal and external tax-related data. , organically connect online and offline, drive tax law enforcement, service, regulatory system innovation and business reform, and further optimize the organizational system and resource allocation.

In this description, several key words in the so-called "smart tax" emerge, such as big data, cloud computing, artificial intelligence, mobile Internet, etc. If these hot words that are constantly mentioned in our daily life and production are integrated with taxation, what changes will happen?

[if !supportLists] 1. [endif] Big data brings in-depth utilization and mining of tax information

At present, the third phase of the Golden Tax is still distributed independently according to the information of each province. The mode of exchange of important tax-related information by the General Administration is in operation. Therefore, once our invoice information crosses provinces, we need to assist in checking; if your business leaves the province, you need to register out of town before you can continue to operate. However, with the development of science and technology, especially the improvement of China's business environment and public enthusiasm for entrepreneurship, tax data is growing at an exponential rate. How to store and utilize this huge amount of tax data depends on the big data related technologies mentioned in the "Opinions".

With the launch of the "Opinions", the "one-person" intelligent collection of legal person tax information and the "one-person" tax information of natural persons in 2022 will be the initial application of tax big data. In 2023, the "one-bureau" intelligent collection of tax authority information and the "one-member" collection of tax personnel information will be an advanced use of big data and artificial intelligence technology in the field of taxation, thereby enabling automatic analysis of taxpayer payer behavior. Management, self-control assessment and evaluation of the entire process of tax personnel's performance of responsibilities, and independent classification and push of tax decision-making information and tasks. The deep integration and efficient linkage of tax law enforcement, services, monitoring and big data intelligent applications in 2025 will be the deep integration and application of big data, cloud computing, artificial intelligence, mobile Internet and other information technologies, which will also change our The way taxes have always been done and managed. Perhaps, by then our tax office will look like a future that we cannot imagine now.

[if !supportLists] 2. [endif] Invoices from tangible to intangible, the trend of electronic invoices

Since the emergence of invoices, their carrier has always been paper . Especially with the establishment of the value-added tax category in 1987, value-added tax invoices have become the most important tax-related vouchers for an enterprise, and the storage requirements are not much lower than the security level of a bank. In the past, when informatization was not yet popular, value-added tax invoicesThere is no way to verify and compare information in a timely manner. I don’t know how many people have taken desperate risks to defraud the country’s tax dollars for these invoices, and have gone to the guillotine. Later, with the promotion of the tax Internet, this situation has been alleviated, but the application, delivery, inspection and other links required for paper invoices have become a blocking point that constrains the development of social commercial activities and the progress of taxation.

The "Opinions" mentioned that by 2025, the electronicization of all areas, all links, and all factors of invoices will be basically realized, and efforts will be made to reduce institutional transaction costs. Perhaps, in the future, every expenditure and transaction we make will become part of your life file and stored as electronic information in your "one-person" or "one-person" account information. By then, the busy accounting in the hall may have become an unpopular profession. Big data and artificial intelligence have already automatically calculated and pushed everyone's declaration information to your mobile phone. All you need to do is confirm. . You don’t have to worry about making miscalculations. Due to the popularity of digital renminbi and blockchain technology, every expenditure and income you make is traceable and cannot be tampered with. Electronic invoices have truly become electronic information and are saved.” The era of "governing taxes by numbers" has truly shifted to the era of "governing taxes by numbers".

[if !supportLists] 3. [endif] Deepen tax big data sharing applications

Propose tax-related data sharing and joint construction from the central government, whether it is jointly developed by the tax department and the government Whether it is a tax-related information sharing platform or a sharing agreement is signed to deliver information in the form of email, they all end up facing difficulties in sharing tax-related and fee-related information and low data efficiency and utilization.

This "Opinion" proposes to explore the application of blockchain technology in social insurance premium collection, real estate transactions and real estate registration, and continue to expand its use in promoting tax-related matters. Applications in areas such as fee information sharing. Continuously improve the tax big data cloud platform, strengthen the development and utilization of data resources, and continue to promote interconnection with the information systems of the state and relevant departments. Strengthen intelligent taxation big data analysis and continuously strengthen the in-depth application of taxation big data in the fields of economic operation analysis and social management.

It can be seen that the country has tried to drive the development of tax-related information sharing through blockchain, big data, artificial intelligence and other technologies, as well as the intelligent application of national big data. In the near future, the most troublesome tax-related information generated from social security fee collection, real estate transactions and real estate registration will be written into "one-household" or "one-person" account information. From the time you are born, the country's medical, education, pension and other policy benefits you have enjoyed, and the house, insurance, and property you own will be written into your personal account. Every interaction you have with the country, society, and others will be permanently stored in your personal identity file, which is authentic and cannot be tampered with. Taxes will really be with you "from birth to death."

[if !supportLists] 4. [endif] Future Imagination of “Smart Taxation”

One day in the future, you will be given an identity information number at birth, which will be the link between you and your electronic The only proof of world binding that you will rely on for all your interactions with the world.

You are born. Of course, you and your mother do not need to pay any hospital fees, because every newborn will enjoy related medical subsidies. This money comes from national taxes and is managed by a powerful artificial intelligence mastermind. to supervise implementation.

When you go to school, from elementary school to university, all tuition and meal expenses incurred during the period are borne by the state. Of course, you may not have anything to do with the word tax at this time. You only need to know that these expenditures are guaranteed by national taxes. Your parents have already enjoyed a large amount of additional tax deductions every year because of your existence. Of course, there is no need to fill in and file cumbersome reports. All the data has been summarized by artificial intelligence and the deductions have been declared.

You have graduated, worked, and received your first salary in your life. Maybe your salary does not meet the standard for personal income tax, but you still have to pay social security. The first time you walk into the intelligent tax hall, you will see almost no staff here. An intelligent robot walks up to you, performs facial recognition on you and confirms your identity, and the process is completed in a few minutes. The robot said that in addition to requiring personal identification and confirmation for the first time, there is no need to do payment business again in the future. Artificial intelligence will help you handle it in the background.

You plan to start a business, and when you come to the tax office for the second time, the robot recognizes you and quickly handles everything for you. All you need to do is confirm with a final nod. You suspect that what your grandpa told you about how it used to take several days to open a company was a lie. What your great-great-grandfather told you about how long it took to open a company was even more impossible. After finishing the process, you muttered casually: "There is still a lot of money left to open the business..." The little robot ran out of nowhere again and introduced you to the "tax bank loan". And quickly help you handle it and solve your urgent need. Of course, the robot tells you that this is so convenient because you and your parents have a high "tax credit rating" and are high-quality "risk-free" taxpayers.

The company is open and the business is doing well. When you were young, your grandfather, who was an old accountant, came over and said that he would help you with tax filing. He also told you about the troubles and hardships in filing taxes in the past. After saying that, he would take you there. The lobby will get the invoice back first. You are wondering that you have never heard of invoices. When you pick up the APP and check it, you realize that the invoices have long been electronic. When using digital renminbi for transactions, the electronic invoices have already been issued to the other party. Every tax-related record has been transmitted back to the main brain during the transaction. You only need to select a reporting period to confirm. The background will automatically help you calculate the taxes you need to pay and automatically declare and pay them.

Your busy business has made you sick. Since you have a higher "tax credit rating", you can allocate wards and doctors much faster than others. You have once again felt the powerful role of taxation in promoting the country. . After you are discharged from the hospital, you have not paid a penny from beginning to end. The social security you paid has covered all expenses for basic illnesses, and reimbursement is automatically completed in the background as before.

There is an American proverb: Death and taxes are the only things that a person cannot avoid in his life. A number deeply binds all the intersections and information you have in this country and society through big data, cloud computing, artificial intelligence and other technical means. "Smart taxation" is the most important and largest in this electronic society. A part of. In the future, everyone will be transformed into an electronic node, and the invisible electronic information world will record your life from birth to death more accurately and truly.

『四』 Blockchain technology is gradually being used in people’s livelihood services. Are there any cases?

1. What is blockchain technology?

In recent years, we We often hear about blockchain technology through the Internet and news media, so what is blockchain technology? This is an Internet database technology. This technology is characterized by centralization and technicalization. Many people can participate in it. It is now widely used in science and technology and people's production and life.

Today is an Internet age. We can understand the world and information through the Internet, and we can use blockchain technology to enrich our lives.

In short, our lives are faster and better because of blockchain technology.

『五』 Is it necessary to download the digital renminbi to activate the social security card?

It is not necessary. Social security cards are integrated circuit cards that are planned by the Ministry of Labor and Social Security and issued to the society by local labor and security departments. They are used in various business fields of labor and social security. According to the query information: social security cards require entering personal information to activate, and do not require downloading digital renminbi. Digital RMB refers to the digital form of RMB, which is issued through the Bank of China and uses blockchain technology as a "digital legal tender", which has the same effect as cash.

『Lu』 What are the applications of blockchain in social security fee collection and real estate transactions?

On March 24, the "About Further Development" issued by the General Office of the CPC Central Committee and the General Office of the State Council "Opinions on Deepening the Reform of Tax Collection and Administration" was released, and the opinions proposed to deepen the sharing and application of tax big data. Explore the application of blockchain technology in social insurance premium collection, real estate transactions and real estate registration, and continue to expand its application in promoting tax-related and fee-related information sharing and other fields. Continuously improve the tax big data cloud platform, strengthen the development and utilization of data resources, and continue to promote interconnection with the information systems of the state and relevant departments.
In social insurance, the use of blockchain electronic signature technology can integrate the entire process of document signing (document hash, signing subject, signing timeTime, signing place, signing equipment, etc.) are synchronously deposited to authoritative judicial institutions such as notary offices, arbitration committees, and Internet courts, effectively ensuring that the policyholder’s information cannot be tampered with, the time cannot be tampered with, and the electronic data cannot be tampered with. As the only access in the country, Junzi Signature The National Judicial Center's blockchain electronic signing platform, based on the above technology, can ensure the authenticity, integrity and legal effect of the policyholder's electronic signing.
Blockchain digital tools represented by electronic contracts will become an important driving force for the digital transformation of real estate companies. As a professional domestic blockchain electronic signing platform under Yibaoquan, Junzizhuan can integrate with real estate enterprise OA, procurement software, bidding software, engineering project management system and other major software systems to meet the current situation and needs of real estate enterprises, integrating all The work of signing documents and contracts has been moved from offline to online, and the entire process of document drafting, review, sealing, storage and transmission is completed electronically, which can well solve the above operation and management pain points faced by real estate companies and open up the digitalization of real estate companies. The last mile of the transformation process.

『撒』 What is the claims process of the blockchain smart medical sharing platform?

Domestic medical mutual aid and insurance practitioners have already put blockchain into practice, and the medical mutual aid platform Zhongtuobang develops the public welfare product "Heart Chain" based on the blockchain. The user's donation amount, fund flow and other information are open and transparent. At the same time, the blockchain is used to realize automatic underwriting and intelligent claims settlement; Zebra Society and Bubi Blockchain cooperate to Technically, it eliminates the possibility of system organizers cheating; Tongxin Huzhu is based on the Bitcoin blockchain to increase credit for the product.

How to realize automatic underwriting and intelligent claims settlement?

Some medical mutual aid practitioners are using blockchain technology to solve two thorny industry problems: one is to ensure the authenticity of claims information, and the other is to improve the efficiency of insurance claims.

Medical mutual aid uses a lower threshold to solve the problem of serious medical expenses. The specific method is: economic mutual assistance and risk sharing among participants. For example, users pay to become members of the medical mutual aid platform. After the observation period, , if users fall ill, they can receive subsidies for medical expenses based on the specific condition. After case disclosure, third-party agency investigation and other steps, the subsidy amount can reach a maximum of 300,000. After calculation, on the mutual aid platform, the annual cost for an average user is 60-90 yuan.

In foreign countries, mutual aid insurance has appeared very early. Some people with common requirements and facing the same risks organize voluntarily and pay in advance risk loss compensation sharing, usually for major diseases. This kind of mutual insurance can be customized according to the needs of the group. The cost is much lower than the critical illness insurance of several well-known insurance companies, and it is easy to purchase.

The difference between medical mutual aid and insurance is that every member is fully involved, and everyone cares about every move of everyone in the mutual aid group, including who is sick, who needs compensation, and when the money will arrive. Accounting and other issues require the platform to have sufficient self-certification.

Medical Mutual Aid PlatformThe station needs to settle claims in accordance with the rules. Whether the user's diagnosis time is within the observation period can be self-certified using blockchain technology.

Traditional insurance claims involve human factors. For example, in the underwriting process, humans ultimately do the investigation, judgment, and reporting. At the same time, insurance claims take time, and it is often difficult for users to obtain insurance money as soon as possible. In the field of mutual aid, blockchain technology can ensure the accuracy of information. Once the user's information is stored in the blockchain system, no one can modify the information.

“In the past few years, we have been doing medical mutual aid and have accumulated more than 8 million users. There are more and more participants in mutual aid, and the amounts involved are getting larger and larger. We have implemented blockchain applications, and gradually It is found that blockchain has greater value and can realize an automatic machine medical mutual aid guarantee system. From applying for mutual aid to obtaining mutual aid, everything can be realized through artificial intelligence, and the entire process can be compressed to instant compensation. This is financial AI development direction." Zhongtuobang CTO Yu Jianan told Wall Street Insights.

The self-certification function of blockchain can be traced back to a few years ago. In foreign countries, some geeks appended some information to every Bitcoin transaction.

“At the end of this transaction, you can attach the hash value of a picture and a record after performing algorithmic operations on the picture. If you modify the picture, this record will change. We can use this method to complete self-certification. On the platform, each mutual aid certificate contains the user’s own identity information, as well as the time of joining the plan, and other key elements

『8』 Jinan pension issuance is Which bank

Release date: 2020-09-30 14:45 Number of views: 465 times
The Municipal Social Security Center adopts "blockchain" encryption technology to achieve the goal of preventing data from falling to the ground. Tampering, traceability and supervision, and direct issuance of social security benefits with transparency throughout the entire process. On September 29, four banks, Qilu Bank, China Everbright Bank, China CITIC Bank, and Bank of Beijing, successfully issued 7.2 million yuan in replacement benefits to more than 6,300 retirees. The center uses "blockchain" technology to build a direct issuance platform for social security card benefits, unifies standardized interfaces, and connects social security business systems and banking business systems with "blockchain" to achieve "automatic push, automatic issuance, automatic return, automatic "Verification, automatic reconciliation" social security benefits distribution model. On the basis of ensuring the safety of social security funds, this distribution model can better provide efficient, convenient and high-quality services to insured persons, ensuring that social insurance benefits are paid in full and on time. .

『玖』 How to make money with blockchain? Is it a scam?

It is not a scam. Generally speaking, the blockchain is still in its infancy, and many projects have not yet been implemented. Only with respect Only by being steadfast and cultivating step by step under the premise of the law of growth can it gradually mature. Technology is neutral, but it is human nature that determines the direction and outcome of technology. How blockchain and digital currency will develop in the future depends on the controller. values ​​and culturedegree of clarity.
Blockchain can allow you to make money in this industry, but it can also make you bankrupt. Therefore, I would like to remind users that they need to be cautious when investing. Don’t let yourself get involved without making money, and the gain outweighs the loss. There are also many blockchain scams. We must also be more vigilant to avoid being deceived and causing unnecessary economic losses.
Expand information
Pre-loan stage
Blockchain technology can first be applied to the logistics supply chain to help banks and other lending institutions more comprehensively and accurately grasp the real main business, transaction background, and financing of small and micro enterprises. Downstream affiliated enterprises, as well as their negotiating position in the supply chain, product sales, rhythm and path of payment, etc., on the one hand, help more asset-light, high-growth and high-quality enterprises obtain financing support through transaction bills, logistics documents, etc. On the one hand, it prevents problematic enterprises from falsifying their business background and capital needs to obtain loans.
In addition, blockchain can also be applied to the provident fund interconnection to help banks understand the actual payment status of social security, provident fund, etc. of shareholders, executives, and ordinary employees of borrowing companies, so as to reasonably evaluate the size of the company's personnel and operating conditions, and provide credit and loans. Provide sufficient basis for approval decisions.
Loan stage
Blockchain technology can be applied to corporate loan information review and mortgage and pledge review to help banks improve approval efficiency and ensure approval quality. In the financing process of enterprises, especially small and micro enterprises, they often need to provide contracts and other necessary materials. Paper-based contracts with multiple signatures and seals are not only inefficient, but also have a series of problems such as forgery, alteration, and false signatures, which bring problems to bank approval. Greater counterfeiting, fraud and credit risks.
With the support of blockchain technology, relevant real-name information subjects, orders and ordering processes, electronic contracts, agreement signing processes, subsequent supplementary agreements, and photo materials can be preserved in real time, and all stored certificates cannot be tampered with. Ensure that the bank quickly authenticates and approves, and efficiently resolves disputes when they arise. In addition to traditional real estate, other assets owned by enterprises and business owners, including bank financing and other financial assets, can also be used for transfer and pledge, becoming a qualified basis for credit enhancement that can be accepted by banks, improving the availability and immediacy of corporate credit. .
Post-loan stage
Blockchain technology can be applied to the timely assessment of an enterprise's production and operation status and ability to perform repayments, helping banks to effectively grasp credit risks and adjust post-loan risk control strategies at any time. In past business practices, banks often neither fully understand the true market value of mortgages and pledges, nor can they well judge the impact of an enterprise's operations in warehousing and exiting on the market value of remaining mortgages and pledges. The ability to control new loan types such as warehouse receipt pledges is relatively low.
After switching to digital warehouse receipts supported by blockchain technology, product quality, quantity, specifications, photos and other information can be completely and standardized on the chain, authenticity and traceability are fully guaranteed, and banks can technically prevent Enterprises and warehousing institutions fabricate warehouse receipts and inconsistencies between warehouse receipts and warehouse entry and exit information to ensure that post-loan management is effective. In addition, the borrowing company’s factory, office building leasing and other informationIt can also be fully shared with banks, upstream and downstream enterprises and other intermediary service institutions through blockchain technology, minimizing the risk of money running away such as "people leaving the building empty".