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1. What signals does the blockchain 3.0 era give us?

In 2020, blockchain was included in the category of "new infrastructure" by the country, with at least 7 The province has introduced a blockchain support policy. In the same year, blockchain technology was gradually moving from concept to implementation, with many application scenarios blooming. Various industry applications of "blockchain" have become a symbol of the continuous maturity of blockchain.

The development status of "blockchain" in 2020

In 2020, the COVID-19 epidemic swept the world, and the uncertainty of world economic development increased significantly. Governments and enterprises of various countries are exploring the use of emerging technologies to reduce economic and social operating costs, improve the operating efficiency of the real economy, and further find new growth points for economic development.

At present, blockchain is cross-innovating with new technology infrastructure such as cloud computing and artificial intelligence. More and more vertical fields of the real economy are showing the development pattern of "blockchain" and the "elimination trend". "real" good momentum.

In order to avoid turning reality into fiction, in addition to continuing to severely crack down on speculation, we must also guide the deep integration of blockchain technology with practical application scenarios. Therefore, various industrial application scenarios of "blockchain" have become one of the inevitable trends in the development of blockchain.

According to the "Blockchain White Paper (2020)" recently released by the China Academy of Information and Communications Technology, as of October 2020, more than 262 listed companies have been involved in the blockchain field, each from insurance , real estate, commercial department stores, security equipment, packaging materials, telecommunications operations and other 39 fields. In the blockchain information service registration list released by the State Internet Information Office, there are 45 listed company blockchain projects.

Among them, finance is the most explored scenario among blockchain technology application scenarios, with specific projects implemented in subdivisions such as supply chain finance, trade finance, payment and settlement, and fund management. The white paper shows that as of November 2020, among the domestically registered blockchain information services, the number of projects in the financial (including supply chain finance) field ranks first, accounting for as high as 36%.

As the implementation of blockchain applications accelerates, "blockchain" business has become the focus of development for Internet backbone enterprises to enter the blockchain industry. In addition to financial business, they actively deploy the Internet, traceability, and supply. Applications in chain & logistics, digital assets, government affairs and public services, intellectual property, law, medical and other fields.

At the same time, the industry is gradually understanding that blockchain is the basic component of trusted transactions, but this does not mean that blockchain can conquer the world. Blockchain needs to be combined with other technologies such as artificial intelligence, Internet of Things, big data, 5G, etc. to use synergy to form integrated solutions to jointly promote digital transformation.

According to relevant data, the current application of blockchain is mainly in the field of certificate storage. Blockchain has entered into how to make it better from an engineering perspective, more credible, more stable, and more scalable. Well, a stage that can accommodate more nodes. He Baohong, director of the Institute of Cloud Computing and Big Data, China Academy of Information and Communications Technology, believesBecause this process will continue for some time or longer, the next step is for blockchain technology competition to shift from engineering optimization and improvement to technology ecology and business ecology.

In addition, it is understood that the blockchain industry is improving in the long term, and industry cognition has returned to rationality. With the central government's planning and guidance for the development of blockchain technology, my country's blockchain has clarified the development ideas based on the alliance chain, focusing on serving the real economy and optimizing public services, and the direction of industrial development has become clearer. At this stage, the confidence of the majority of practitioners in blockchain continues to improve, and the long-term strategic value of blockchain is generally recognized.

What is the prospect of “blockchain” in 2021?

As my country’s blockchain industry chain gradually improves, most blockchain companies not only focus on one aspect, but also show a trend of coordinated development in multiple fields. According to statistics, among the 801 blockchain information service registration lists released by the Cyberspace Administration of China, Beijing, Guangzhou, Shanghai, Zhejiang, Jiangsu, and Shandong are the provinces and cities with the most registered companies.

The core role of blockchain corresponding to its technical characteristics is mainly reflected in the three aspects of certificate storage, automated collaboration and value transfer. As its value potential is constantly being explored, application scenarios have evolved from the breakthrough point of finance. , and gradually expanded into many fields such as the real economy, government affairs and people's livelihood.

The core value of blockchain for the real economy is to promote efficient collaboration between upstream and downstream industries and improve the efficiency of industry-finance integration. In the early stages of development, the blockchain application model mainly focused on the storage of documents, contracts, etc. At this stage, blockchain industry applications are gradually moving towards automated collaboration and value interconnection such as government data sharing, supply chain sales collaboration, and cross-border trade.

2020 is the warm-up for 2021. In 2021, the use of blockchain, distributed ledgers, and smart contract tools will continue to grow as it did in 2020. With the continuous deepening of blockchain technology, the foundation of the blockchain industry will become better and better, the industrial ecology will also develop rapidly, and the industrial chain will become increasingly widespread.

From the perspective of industrial structure, the blockchain industry is mainly divided into four parts: underlying technology, platform services, industrial applications, and peripheral services.

The first three parts show a relatively obvious upstream and downstream relationship. The underlying technology part provides the necessary technical products and components of the blockchain respectively. The platform service part builds an area that can run corresponding industry applications based on the underlying technology. The industrial application part of the blockchain platform mainly uses blockchain technology to develop industry applications based on the actual scenarios of various industries and realize the innovation of business collaboration models within the industry.

The peripheral services part provides supporting services to the industry, including industry organizations, market research, standard formulation, system evaluation and certification, industry media, etc., to provide impetus for the development of industrial ecology.

Among them, as far as the industrial application of blockchain is concerned: Blockchain is the innovative development result of information technology, and it is also the main booster for the reconstruction of business processes and the innovation of industrial interaction models in various industries.

Blockchain has gradually expanded from the initial digital finance to supply chain finance, product traceability and other fields, and is now used inGovernment affairs, people's livelihood, industrial management and other industries are exploring applications, and their application scenarios are becoming increasingly rich, showing a trend of deep integration and development with other industries.

At present, domestic enterprises are focusing on the development of applications related to serving the real economy and improving government affairs and people's livelihood. Among them, supply chain finance and product traceability have accounted for half of all applications. Others, such as government affairs and people's livelihood, have become the future of manufacturers. Key layout areas are about to experience explosive growth.

After blockchain investment cooled down in 2020, the blockchain industry may begin to gradually become more rational in 2021. However, a relatively complete industrial chain and active market entities provide a good foundation for the integrated development of the blockchain industry. The blockchain industry will also show a positive development trend in terms of policy support, ecological construction, platform services, application implementation, and integrated innovation.

2. How blockchain will develop in 2021

Blockchain empowers the development of the real economy. With the development of blockchain technology, its application scenarios have become more in-depth, ranging from commodity traceability, judicial certificate storage, government affairs, supply chain finance, trade finance, and social welfare to industrial management, energy and power, data transactions, public resource transactions, digital Identity, medical and health and other fields. In the future, as blockchain technology further develops, especially in terms of performance, scale, and security, its application scenarios will become increasingly widespread.
1) Blockchain industry life cycle. Determine the development stage of the industry by analyzing the market growth rate, demand growth rate, product variety, number of competitors, entry and exit barriers, technological changes, user purchasing behavior, etc. of the blockchain industry;
2) Area The market supply and demand of the blockchain industry is balanced. By studying the supply and demand status of the blockchain industry, as well as the import and export status, the supply and demand balance of the industry is determined in order to grasp the degree of market saturation in the industry;
3) The competitive landscape of the blockchain industry. Through the analysis of the bargaining power of suppliers in the blockchain industry, the bargaining power of buyers, the ability of potential competitors to enter, the substitution ability of substitutes, and the current competitiveness of competitors in the industry, master the five factors that determine the profit level of the industry. power;
4) The economic operation of the blockchain industry. Mainly for data analysis, including the number of competing companies in the blockchain industry, number of employees, total industrial output value, sales output value, export value, finished products, sales revenue, total profits, assets, liabilities, industry growth capacity, profitability, repayment debt capacity and operational capacity.
5) The main market competition enterprise in the blockchain industry. Including the company's products, business status (BCG), financial status, competitive strategy, market share, competitiveness (swot analysis) analysis, etc.
6) Investment, financing and mergers and acquisitions analysis. Including investment and financing project analysis, merger and acquisition analysis, investment area, investment return, investment structure, etc.
7) Blockchain industry marketing. Including marketing concepts, marketing models, marketing strategies, channel structures, product strategies, etc.
The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only approved "Blockchain Technology Professional" pilot workstation of the "Smart Learning Factory 2020- Xueshuo Innovation Workstation" launched by the School Planning and Construction Development Center of the Ministry of Education of China. The professional base is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

3. Blockchain and Token Economy

Tokens do not necessarily have to run on the blockchain system, and the blockchain system does not necessarily have to have Token, but the combination of the two can provide us with a very powerful tool. Using blockchain as infrastructure to support the entire token economy can change our production relations, including the organizational model of our economy and society, and create new business models.

Blockchain and Token Economy

We can see several characteristics of the entire token economy, including its ability to quickly transfer value based on smart contracts. At the same time, a good token economic model can realize a closed loop of the entire economy, while providing an automatic and timely incentive mechanism and a complete game system. For different blockchain systems, the models and rules of token design are still different.

Tokens can be divided into four categories, including consensus-based consensus platform basic tokens, application ecological tokens, value-anchored tokens and equity financial tokens. However, the core of these types of tokens still lies in how to comply with laws and regulations, including how to achieve anti-money laundering and KYC.

Blockchain and Token Economy

The basic token design based on the consensus platform will be relatively simple. It is also easy to form a value closed loop. The main thing is that the pass is used as a consensus reward to reward the consensus nodes, and then the user uses the pass as a handling fee for the blockchain system.

The design of similar tokens including supporting infrastructure is also very simple. It is to provide resources to obtain tokens, and to use resources you must pay for tokens. The biggest feature here is that all payments, transfers, Incentives are completed automatically and comply with the rules defined by the entire system.

Blockchain and Token Economy

Value-anchored tokens are relatively simple. The core feature is that they require a strong credit institution to endorse the value anchor. , our most common one is USDT. It is Tether that ensures the value anchoring of the US dollar and USDT in the entire system. That is to say, when he receives a US dollar, he will generate a USDT token. If someone withdraws a US dollar from his account, there will be a corresponding token. USDT is destroyed. Others include a gold-anchored project I saw before, which also requires the amount of gold in an exchange seat to ensure the anchoring of the entire value.

The value conflicts of some systems based on asset digitization, including some trading systems such as real estate, also require housing mortgage institutions, including housing management bureaus and other institutions, to freeze and hand over the above-listed assets to ensure the anchoring relationship is achieved. This inspiration for us is that many blockchain application systems need to adapt to the economic system and organizational form in the real world, so the combination of centralization and decentralization may be a feasible way to implement blockchain applications. A solution.

The application-type token economic model is relatively complex. It may be a complete system that combines consensus basic tokens, value-anchored tokens, and application own tokens. We can often see that many applications are designed with this two-layer token system.

Blockchain and Token Economy

Blockchain and Token Economy

The picture shows two different two-layer token systems : The first is a dual-layer token system based on a combination of equity tokens and circulation tokens. The first dual control model should be proposed by BitShares, which was called bone wall separation at the time. The lower layer is a token based on an equity of the platform.

Because BitShares is a decentralized exchange system, the above defines the anchor tokens corresponding to transactions in various decentralized exchanges. Another such dual-layer token model design is the application project based on gold anchoring just mentioned. Its underlying equity token is also an equity token for the income of the entire platform, while the upper layer is anchored with gold. Such a circulation pass.

The gold-anchored tokens circulating in the upper level can be used in underdeveloped countries in Africa or some countries with high inflation for value payment and circulation. The underlying equity tokens are the income of the entire platform, which are some handling fees obtained from transaction circulation, including some long-term dividend tokens. The second two-layer pass model is a platform and local relationship. The underlying application platform token represents the entire value income and rights of the platform. The upper-level tokens are individual and partial tokens, which can be issued by participants or some groups. The issuance method is relatively flexible and reflects the individual and local value. Generally speaking, slightly complex systems will be designed into a two-layer token model.

In fact, strictly speaking, if we want to consider the consensus incentives of the underlying consensus nodes, it should be a three-layer token economic model. Teacher Meng Yan has proposed a set of overall methodologies and tool models for the design and analysis of complex economic systems.

Blockchain and Token Economy

Blockchain and Token Economy

Among the seven principles of revitalizing economic design, we Personally, I think the value origin principle andThe value loop principle is very important. The value origin principle is easy to understand. When the entire system is minimized, it has basic practical value. Just like Bitcoin and Ethereum both provide minimum value, that is, the entire network can obtain rewards through consensus, that is to say , when users running mining rewards want to use the system, they have to pay handling fees and Ethereum is equivalent to the fuel cost of running smart contracts.

In terms of the value loop principle, every role in the entire token economic system is required to be on the value loop. To form a closed loop, there cannot be a base point, and there cannot be some roles that all tokens enter. , there is no output, and some nodes only have exits but no entrances.

Blockchain and Token Economy

Blockchain and Token Economy

Eight things to know about multiple distribution and token design Traps, these contents are all designed in the system of Teacher Meng Yan. I would like to share with you some methodologies about the design of token economy, because Teacher Meng Yan has some very detailed discussions. You can check the teacher’s online Something to share.

However, the core idea of ​​the token economy is to create new business models. It may not be to solve some pain points, but to completely change the way the original business model operates. Since the blockchain ensures the operation and trustworthiness of all systems, reasonable incentive mechanisms will be recognized by everyone. At the same time, these principles and incentive mechanisms are transparent.

To give an interesting example of the token economic model, the token economic systems of T3D and Former 3D have become popular recently. Although it is a gambling game, the rules are even designed directly into the model of a Ponzi scheme. In fact, the design of P3D is not in line with the token model design shared by Teacher Meng Yan above. It violates the principles of value origin and value loop. But one of its innovations is that it uses Ethereum's smart contracts to formulate rules. The rules are transparent, thus avoiding problems such as cheating and banker running away.

At the same time, it proposes that Fomer 3D returns the benefits to T3D participants, thus realizing a closed loop of value loop. This example may not be very appropriate, but we can also see that the token economy still needs some innovative and scalable thinking. Therefore, the combination of the real economy and the blockchain economic system requires some innovative thinking on our part, and its core lies in motivating all parties involved.

Reasonable and timely incentives are one of the key points of the token economy. Changing the operation of the real economy based on incentive mechanisms is a powerful boost to the real economy. At the same time, the roles of consumer resource providers and contributors will overlap, and their boundaries will become blurred, so new business models may emerge.

To give another example, this is an advertising system in the virtual world. It is based on an application of geographical location information. It divides the entire map of the real world into two kilometers square blocks. Participants can purchase these blocks, and then Advertisers can send ads to these blocks based on positioning information, and users can earn revenue after clicking on the ads. At the same time, the owner of the geographical location block can get the corresponding share. In this case, each geographical block has a certain value and can be used to conduct some transactions. The underlying token of its platform can be used to purchase these plots for advertising or user income. In this way, all participating parties have obtained their own corresponding benefits, which is a token economic system worth learning from.

So we can see that blockchain can also achieve various applications in different industries, including the medical industry, financial industry, public service industry, etc. But no matter what, we should pay attention to a few principles. First of all, blockchain is not a panacea. In application scenarios with strong centralized trust guarantees, blockchain is not necessarily required. Blockchain is suitable for application scenarios where new credit cannot be guaranteed and multiple stakeholders participate. Rather than solving existing business pain points, blockchain is more inclined to change economic models and business models and change rules. This is also an issue that we need to pay attention to in terms of blockchain and industry applications, including in promoting the real economy.

4. What impact does blockchain have on the real economy

Blockchain has become a new high ground for global technological competition, and its technological applications extend to many fields of the real economy. Actively promoting the deep integration of blockchain and the real economy will help promote my country's industrial upgrading and achieve the goal of high-quality development. Blockchain is a new model of open innovation, a new carrier for coordinating industrial integration and a new path to promote green development. It is in line with the five development concepts of "innovation, coordination, green, openness and sharing". Although blockchain has achieved "revolutionary" technological breakthroughs, there are still some problems and challenges in practical applications.
In the early stages of the development of the blockchain industry, through "transactions on the chain", blockchain technology must realistically solve some "small problems" for the industry. Specifically, it can reduce costs, improve efficiency, and create an environment of integrity. Promote the development of the real economy in all aspects.
Blockchain will play the role of “reducing costs for the real economy”.
The current real economy has high costs and thin profits, resulting in insufficient capital support for the real economy. Among operating costs, management costs and financial costs account for a large proportion. Blockchain technology can effectively help enterprises reduce the costs of these two parts.
Blockchain will play the role of “improving the collaborative efficiency of the industrial chain”.
Enhancing industrial synergy is an important way to promote China's manufacturing to the mid-to-high end. However, in many industries, the efficiency of industrial chain synergy is still not high, and this problem is particularly prominent in the field of international trade.
Blockchain will play the role of “building an honest industrial environment”.
Currently, the construction of my country’s social credit system is accelerating., but in some cases, the process of establishing trust among partners is still slow, it is difficult to obtain various types of credit information, and it is difficult for small, medium and micro enterprises to obtain credit loans from financial institutions. Through "transaction on-chain", all parties can more conveniently query the accurate historical credit status of counterparties, and can establish cooperation mechanisms more quickly; banks can also more safely grant credit to enterprises based on transaction records, and promote the solution of the problem of honest management. Small, medium and micro enterprises face problems such as “difficulty in financing, expensive financing, and slow financing”.
Blockchain: a new model of open innovation
Blockchain is a decentralized, distributed database system participated by various nodes. It can be understood as a public accounting mechanism (technical solution). The basic idea is to ensure the authenticity and non-tamperability of information by establishing a set of public ledgers on the Internet, and all users in the network jointly record and verify accounts on the ledgers. The reason why it is called "blockchain" is that it uses a series of data blocks generated by cryptographic methods. Each data block contains all transaction information in the past period of time, which is used to verify its information. validity and generate the next block. Complete traceability, decentralization and de-creditation are the three major characteristics of blockchain technology, which give it huge application potential in the financial industry and become the core technology of financial technology. As virtual cryptocurrencies represented by Bitcoin continue to be hyped by the market, blockchain technology has attracted great attention from all walks of life. Although virtual cryptocurrencies such as Bitcoin are currently relatively mature applications of blockchain technology, it must be pointed out that virtual cryptocurrencies are not the only application of blockchain. The essence of blockchain is for decentralization, which is exactly the development trend of the future market.
The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only approved "Blockchain Technology Professional" pilot of the "Smart Learning Workshop 2020- Xueshuo Innovation Workstation" launched by the School Planning and Construction Development Center of the Ministry of Education of China. workstation. The professional base is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

5. What is the value of blockchain technology services in the real industry

1. Think about using blockchain in enterprise applications to provide more flexible, secure and efficient Business processes and distributed, independent markets. Blockchain allows asset owners to track and trade things of value, such as outstanding invoices, on a transaction “chain” that is more secure, transparent, private and self-coordinating. This capability increases the speed and flexibility of cash and asset management. For example, you are afraid of buying fake goods because one manufacturer transfers production to several middlemen, and then you buy it through the middlemen, not the manufacturer. If all data was decentralized, peer-to-peer, and transparent, then you could buy and pay directly from the manufacturer.

2. The automated market for other assets will be diversified. In essence, since the software itself is a controlled open architecture and is open to all transactionsParticipants are visible, so blockchain-based transactions can reduce the need for third-party supervision. If a company can publish valuable information to multiple potential buyers, and its content can be trusted and authentic to all buyers, and sellers cannot resell, then there will be open and transparent competition when making purchases. environment, sellers can also get better prices.

3. Reduce business transaction friction. Managing expenses is a challenge for most organizations. But blockchain can enable companies to create self-managed networks for suppliers and partners, enabling contract automation, instant payments, tracking of cargo shipments, and visibility of the entire supply chain. For example, if a company transports perishable goods in refrigerated containers, IoT sensors on the truck might call a smart contract on the blockchain when the temperature of the container exceeds a certain threshold. This will cause the corresponding order to be cancelled, and it will also be able to automatically create a new order so that a second batch of goods can be sent immediately, and the truck with the faulty refrigeration equipment can also be sent to the maintenance department for repair.

4. This type of network reduces transaction errors and information omissions by reducing or eliminating human-computer interaction. And, by connecting buyers directly with sellers, transactions become faster. Manage and secure decentralized private records. Traditional industry practice has been to rely on third parties to secure their shared information databases using firewalls and restricted access. Frequent data breaches show that this approach is not ideal. A fundamental advantage of blockchain is that each individual data record or element is encrypted with the key of a blockchain member. Cybercriminals may need to obtain every key of every member to gain access to all blockchain data. This is not to say that blockchain can guarantee 100% security of all data and help reduce the possibility of large amounts of private records being exposed.

5. A logical application would be employee or student records, where employers, educational institutions and even industry accreditation bodies can add new qualifications, grades or work locations if necessary. Imagine giving employees a key that can access all of their employee records as part of a secure blockchain that encompasses human resources. Individuals can securely share their college transcripts or employment history with other companies or educational institutions without having to rely on unreliable and easily forged faxes. Trace the origin of products and ingredients. Blockchain can help ensure product quality and safety by simplifying how products and ingredients are tracked and located in use. For example, suppose an automobile manufacturer forms a quality-centric blockchain that includes parts suppliers, component assemblers, quality control suppliers, and public regulatory agencies (such as the National Highway Traffic Safety Administration). Then the recall process for defective parts will be handled faster. This realization makes perfect sense when you consider that thousands of lives are lost every year due to defective car parts.

6. Verify identity and verify published information and data. Create better user control mechanisms. Today’s user information can easily be manipulated, distributed to third parties, and evento sell, thereby creating a revenue stream for the social media platform owner that is never shared with the users of the message. Blockchain can disrupt all of these activities. It gives users control over their own information, and exactly where it resides. No platform is accessible without permission. Users can decide who can access their information. They can deal directly with advertisers and third parties as they choose, rather than like others. Furthermore, users can choose to share their information with advertisers on any platform and receive fees.

In summary, blockchain is a chain data structure that combines data blocks in a sequential manner in chronological order, and is cryptographically guaranteed to be non-tamperable and non-tamperable. Fake distributed ledger. Broadly speaking, blockchain technology uses block chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses automated scripts to A new distributed infrastructure and computing method (reference network) that uses smart contracts composed of codes to program and operate data

Applications in finance

Blockchain technology three Big applications

Application of blockchain technology in the field of asset securitization

In recent years, the domestic asset securitization (hereinafter referred to as "ABS") industry has developed rapidly. At the same time, asset cash flow management Problems such as the transparency and efficiency of underlying asset supervision that need to be improved, the low efficiency of asset transaction settlement, and the high cost of credit enhancement have also been gradually exposed. To apply blockchain technology in the ABS field, participants first need to build an ABS blockchain alliance, which consists of asset parties, Pre-ABS investors, SPV (trust), custodian banks, managers, intermediaries, and ABS investors. , exchanges are jointly composed. Its core business includes fund transaction reconciliation, transaction document management, data interaction interface, information release and sharing, underlying asset management, intelligent ABS workflow, etc. Blockchain applications can empower the ABS industry in at least the following five aspects.

1. Improve the cash flow management of ABS.
2. It is conducive to penetrating supervision.
3. It can improve the efficiency of sales and settlement of financial assets.
Four. The efficiency and transparency of securities transactions will be greatly enhanced.
5. It can reduce the transfer cost in the credit enhancement process.

2. Application of blockchain technology in the insurance field

The insurance industry has grown rapidly in recent years. However, as regulatory policies for short- and medium-term survival products continue to tighten, the scale of universal insurance business has declined significantly. In the design process of insurance products, blockchain is conducive to promoting the breakthrough of bottlenecks and rapid development of insurance categories with strong customized attributes, such as agricultural insurance, product quality insurance, etc.

Quality insurance can endorse the reputation of a company and protect the rights and interests of consumers at the same time. However, insurance companies underwriting quality insurance need to conduct comprehensive evaluations of companies and products, but these data are often difficult to truly and effectively analyze.collection, thus restricting the development of quality insurance. The establishment of a product traceability and anti-counterfeiting application platform based on the underlying technology of blockchain can help insurance companies easily trace information in all aspects of product production, processing, sales, purchase, complaints, etc. through the platform, thereby effectively judging the incidence of quality defects in related products and formulating Insurance products promote consumption upgrading and industrial upgrading.

In the insurance sales process, the application of blockchain technology can simplify the sales process, save sales costs, and achieve traceability of insurance sales. From the perspective of an insurance company, a willing policy holder purchases a policy through a channel, and the channel provider uniformly sends the policy holder's information to the blockchain platform. The platform determines whether the willing policy holder is in the whitelist based on the distributed and stored information. If it meets the standards, then Accepting purchase requests eliminates the previous tedious processes of manual transmission, acceptance, review, and feedback. From a consumer perspective, blockchain technology can realize the traceability of insurance sales behavior and safeguard the legitimate rights and interests of consumers. The insurance sales market has always been full of chaos, and the phenomenon of false advertising of insurance products through deception, concealment or inducement is repeated. Blockchain technology can put key actions in all aspects of insurance sales on the chain and realize the traceability of sales actions throughout the entire process, thereby standardizing insurance sales behavior and promoting the sustained, healthy and stable development of the industry.

In the insurance claims process, the application of blockchain technology can improve claims efficiency and enhance customer experience. The claims and loss handling process is an important process in the insurance market. Complex claims processes increase costs, reduce claims efficiency, and affect customer experience. Smart contract technology can simplify the claim submission process, reduce the need for manual review, and shorten the processing cycle. At the same time, suspicious behavior can be more easily identified through historical claims and asset provenance records in the distributed ledger.
In the field of insurance anti-fraud, the application of blockchain technology can effectively prevent the occurrence of insurance fraud incidents. Insurance fraud not only erodes the profits of insurance companies, but also damages the legitimate rights and interests of other insurance consumers. Although various insurance companies have made great efforts to combat insurance fraud, the reality is still grim. Blockchain technology can help the insurance industry alleviate or even resolve this stubborn problem in at least the following two aspects. The first is to establish an anti-fraud sharing platform to reduce fraud and strengthen assessment through historical claim information; the second is to establish "uniquely identifiable identity information" through the use of trustworthy data sources and coded business rules to prevent identity fraud.

3. Application of blockchain technology in the field of asset custody
In recent years, the global asset custody industry has entered a fast lane of rapid development, with the scale of assets under custody and major custody products maintaining rapid growth. , but there is still a certain gap between this scale and international advanced peers, and there is still a large room for development in my country's asset custody industry.

The application of smart contract technology in the blockchain can effectively solve the operational risks in the asset custody business. The business process of asset custody can be optimized from the following aspects: First, the automation of the entire process is realized, and business instruction judgment and execution rules are encapsulated into intelligent systems.In smart contracts, smart contracts are used to execute contracts and provide risk warnings; secondly, process efficiency is improved, and asset entrusters, managers, custodians, and consignors share real-time information on asset changes, transaction details, etc., eliminating the need for repeated verification, The process of confirming rights; the third is to ensure the security of contract performance and the authenticity of transactions. By setting keys to ensure the formality of participant information, the limited visibility of ledger information and the verifiability of transactions; the fourth is to ensure that the information cannot be tampered with. , placing the compliance verification requirements of the investment plan on the blockchain to ensure that each transaction is completed on the basis of consensus.

For now, the one most closely related to blockchain is Bitcoin. If you want to know more and some news about the Bitcoin blockchain, you can follow some new media. For example, Sohu, Baijiahao, Mustard Circle and so on. Foreign websites such as CCN and CoinDesk have huge sources of information, which will be of great help to you if you want to understand blockchain and finance. The above content is half handwritten and half quoted. If you still have doubts, you can take a look at the TED talk on blockchain applications linked below, which has Chinese subtitles. Hope it can help you!

6. Sharing of multiple types of data on the “chain”, collaboration of online and offline services, and blockchain government affairs making things easier

“Blockchain+ What kind of sparks will come out of "Government Affairs"? Mawei Xingang Community in Fuzhou City, Fujian Province uses blockchain technology to solve the pain points of government informatization and launches a "blockchain + community certification" application. "This application can easily realize the electronic issuance of certificates required by enterprises and the masses, promote the transformation from 'reduced certificates' to 'no certificates', let data run instead of people running errands, improve service efficiency, and better serve the people. "Ms. Zhu, a citizen of Fuzhou, said.

Provident funds can be transferred and continued in other places

"Post-90s" Chen Jing joined a new company at the end of last year, and her work location changed from Hangzhou, Zhejiang to Chengdu, Sichuan. If you change your workplace, how can you transfer the previously accumulated housing provident fund to a new account? After consultation, Chen Jing learned that by searching for the "National Housing Provident Fund" applet on her mobile phone, she could realize the transfer to other places. According to the relevant person in charge of the Ministry of Housing and Urban-Rural Development, the "National Housing Provident Fund" applet will be launched online in October 2021. The Ministry of Housing and Urban-Rural Development has built a credible data environment for the operation of the applet by deepening the application of new technologies such as blockchain to ensure that depositors information and financial security. Thanks to blockchain technology, depositors can transfer housing provident fund accounts and funds across cities through mini programs. They no longer need to go to the counter to handle off-site transfers and continuations, which greatly shortens the processing time and further facilitates the cross-regional flow of human resources. .

Sharing of multiple types of data on the "chain", Online and offline service collaboration, and the use of blockchain technology have improved the efficiency of government departments and public satisfaction. For example, Haidian District in Beijing has opened a "Blockchain Zone" on the Haidiantong APP, which can directly handle public rental housing subsidies, Haidian District high-tech talent training subsidy approval, etc... With the application of new technologies such as blockchain, many government affairs The service realizes "one-stop service and full online service".

In addition, Zhuzhou City in Hunan Province has also innovated administrative approval service methods and launched blockchain application scenarios for electronic certificates, effectively improving the level of government data sharing and business collaboration efficiency; Fuzhou City has launched the "Rongcheng on the Chain" plan , exploring the use of blockchain technology in four fields including e-government, financial technology, social governance, and people's livelihood security.

Why does the government field favor blockchain technology? Industry insiders believe that blockchain technology has the characteristics of non-tampering, security, confidentiality and traceability, and is highly suitable for government service needs such as cross-domain data sharing and business collaborative management. Active use of blockchain technology can solve the problem of data sharing in the government service process. to solve problems such as difficulties in business coordination and improve government management services, overall planning and coordination capabilities.

Effectively supporting people’s livelihood services

Related management service platforms based on blockchain in many places in China have been launched frequently: in Jiangsu, the country’s first transfer of idle residential use rights based on blockchain technology The transaction was successfully completed. Relying on the provincial information service platform, the transaction information can be directly uploaded to the "chain" for certificate storage, ensuring that the housing source is credible and the results are traceable; in Zhejiang, the first intellectual property blockchain public certificate storage platform was officially launched, providing data Assets, original designs and other intellectual property rights provide efficient and fast certificate storage services; in Yunnan, the Provincial Market Supervision Administration and the Provincial Key Laboratory of Blockchain Application Technology jointly carry out Yunnan Province’s blockchain underlying chain food traceability work based on domestically produced independent , through blockchain technology, we can promote product source traceability, one-stop code, logistics tracking, responsibility identification and credit evaluation, so that blockchain technology can truly contribute to people's livelihood services.

Hu Kai, a professor at the School of Computer Science at Beihang University, told this reporter that the current blockchain industry applications are mainly divided into four categories: real economy, financial services, social governance and people's livelihood services. The government attaches great importance to guiding blockchain The application of chain in manufacturing, energy, government affairs, education and other fields has been implemented.

Active drive at the policy level has allowed blockchain to continue to advance in industries such as judicial evidence storage and transportation and shipping data sharing. In May, the Supreme People's Court issued the "Opinions of the Supreme People's Court on Strengthening the Judicial Application of Blockchain", proposing that by 2025, a blockchain alliance for interoperability and sharing between people's courts and all walks of life should be established to form a relatively complete blockchain judicial system. Field application standard system. In June, the Ministry of Transport issued the "Guidelines for the Construction of Electronic Platforms for Imported Dry Bulk Cargo Entry and Port Business Based on Blockchain", proposing to promote blockchain technology and transportationThe industry is deeply integrated and developed.

Let data flow safely and orderly

Hu Kai believes that today, with the rapid development of the digital economy, numbers and data are key elements for future social development, but there are still legal issues behind the data. , interoperability, privacy, security, traceability, storage, transactions and many other complex issues. How to make data flow more securely and orderly? Blockchain technology has broad room for development.

Blockchain technology is accelerating breakthrough applications and playing a role in establishing a trustworthy and secure digital economic order and promoting high-quality economic and social development. The China Academy of Information and Communications Technology released the "Blockchain Infrastructure Research Report (2022)" in July this year, proposing that as the scale of blockchain infrastructure construction continues to expand and operating capabilities continue to increase, blockchain can not only be used in encrypted digital Currency and other scenarios can also be applied in manufacturing, service industries and other fields. Typical application scenarios such as digital collections, data circulation, supply chain finance, and product traceability have emerged.

7. Hosted by Qin Chu | The Western Digital Expo and the 3rd Xi'an Blockchain Industry Development Forum were successfully held!

On the afternoon of June 17, 2022, the "2022 The Western China Digital Economy Expo and the Third China Xi'an Blockchain Industry Development Forum" (hereinafter referred to as the Forum) was successfully held by Babbitt, West China Network, Global Network, China Report, China News, Sanqin Metropolis Daily, Daqin Network, Xi'an Daily, Xi'an Evening News, Huashang Daily, Huashang.com, Phoenix Wind, Sina.com, Sohu.com, NetEase, Tencent.com, Chain Node, 8 Questions, Inspection Blockchain and many other media provided reporting support for this forum.

This forum is a sub-forum of the 2022 Western China Digital Economy Expo. The forum has the theme of "Focus on the Metaverse, Cultivation of New Business Forms, and Release of New Momentum". Sun Yat-sen of Xi'an Big Data Resources Management Bureau was specially invited to the forum. Deputy Director Wei, Director of the Chinese Calligraphers Association and former commander of the Shaanxi Armed Police Corps Wang Chunxin, Chairman Jiang Bo of Xi'an Peihua College, Deputy Secretary of the Party Committee and President of Shaanxi Vocational and Technical College Liu Shenghui, Li Yongbin, Information Office of the Xi'an Municipal Committee of the Communist Party of China Chairman, Zhang Yi, Deputy Director of the Industrial Development Promotion Bureau of Xi’an Chanba Ecological Zone Management Committee, President Tan Min of Xi’an Blockchain Technology Application Association, Secretary-General Li Weipeng of Xi’an Blockchain Technology Application Association, Xi’an Blockchain Technology Zhao Liang, Chairman of the Supervisory Committee of the Application Association, as well as nearly 500 guests including government leaders, keynote speakers, roundtable guests, representatives of industry associations, experts in the blockchain field, representatives of financial media, and representatives of local enterprises attended the meeting to discuss and discuss cutting-edge topics of the times. The future development trend of the blockchain industry.

With the strong support of representatives from all walks of life, this forum will include speeches by government leaders, keynote speeches by celebrities, award ceremonies, signing ceremonies, guest roundtable dialogues and other links to explore the two-way relationship between the digital economy and the real economy. Empowerment path, actively promote the cross-regional linkage development of the blockchain industry, release new momentum for the development of the blockchain industry, and continue to promote the integrated development of the digital economy and the real economy.

This forum officially opened at 14:00 on June 17th. After the two hosts briefly introduced the government leaders and guests present and expressed their warm welcome, the forum officially opened!

At the beginning of the forum, Sun Wei, deputy director of the Xi'an Big Data Resources Management Bureau, delivered a welcome speech for the forum. In this speech, Deputy Director Sun focused on introducing the current development status of my country's blockchain industry and the development achievements of our city's digital economy.

Deputy Director Sun emphasized in this speech:

Currently, the global economy is still in a fragile recovery, and the digital economy has become a new driving force that effectively promotes high-quality economic development. and new engines. As an important town in the western part of the digital economy industry, Xi'an is based on the new development stage, implements new development concepts, and builds a new development pattern. It has achieved certain results in smart cities, digital economy, etc. Industry organizations such as Xi'an Big Data Association and Blockchain Association The positive guidance has laid a solid foundation for the future development of our city’s digital economy.

In the future, Xi'an will adhere to innovation-driven development, create a good digital ecology, strive to promote digital technology to better serve the real economy, and create an open, fair, just and non-discriminatory digital economic development environment, and welcomes all enterprises. Settled in Xi'an and jointly build a digital economy industry ecosystem!

Speaker: Bao Dawei, Head of Blockchain Strategic Cooperation of FILM

As the first keynote speaker of this forum, Mr. Bao Dawei systematically introduced FILM Its positioning, purpose, technological advantages, practical applications, talent cultivation system, cooperation network and other aspects.

Mr. Bao Dawei said:

As China’s largest blockchain organization, the most dynamic blockchain technology open source community, and the most internationally influential blockchain One of the alliances, Golden Chain Alliance is based in the Bay Area and serves China, characterized by safe and controllable technology, is committed to improving the ability of financial services to the real economy. Up to now, Golden Link Alliance has achieved full-link localization support, more than 200 applications have been stably produced and run, and many cases have achieved good social and economic benefits; the widely recognized blockchain talent cultivation system has successfully cultivated blockchain talents. There are more than 30,000 professional talents, continuing to output the backbone of the blockchain industry!

Speaker: Tan Min, President of Xi’an Blockchain Technology Application Association

At the forum, President Tan Min spoke of “the problems faced by enterprises and the issues they need to think about”. Starting from the starting point, it introduces in detail the role of digital technology in promoting enterprise development, the industrial structure of the Yuanverse, etc.

President Tan Min said:

Enterprises are eager to use digital technology to improve "market demand, brand building, user acquisition, user stickiness, increased profitability, industrial upgrading, etc." Breakthroughs have been made in this regard, and some companies have already achieved success. Facing the future trend of "digital collections + real economy + metaverse", governments, industry associations, industrial parks, pioneering enterprises and academic institutions are all important promoters of the metaverse. Cross-industry and cross-field technological integration and Business innovation is expected to contribute to the increasingly prosperous Yuanverse industrial structure.

After the wonderful speeches of the two guests, this forum ushered in the first signing ceremony: "Yuanongyuan-Empowering the Real Economy to Help Rural Revitalization" Strategic Cooperation Signing Ceremony (hereinafter referred to as: signing ceremony).

Zhao Xiangbing General Manager of Yuannongyuan

Liu Zhiqiang Director of Data Information Service Center of Yanliang District, Xi'an City

Bai Yu Big Data of Pucheng County, Weinan City Center Director

Guo Hongbing Chairman of Luochuan Guotouhao Apple Supply Chain Management Co., Ltd.

Zhang Jianbo Chairman of Xingping Chili Industry Association

Zhang Mai Secretary of the Village Committee of Xiaoying Village, Liquan County

Fu Lei General Manager of Shaanxi New Educated Youth Network Technology Co., Ltd.

Chen Qing General Manager of Dali Baiguo Wangdongzao Cooperative
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Speaker: Ma Qianli, Vice President of Babbitt & Secretary General of META50 Forum

As the third keynote speaker of this forum, Secretary-General Ma Qianli used the "Metaverse Concept" as the starting point to introduce "the product form of the future Metaverse and the future copyright form of the Metaverse" and other aspects.

Mr. Ma Qianli mentioned:

As the concept and key technologies of the Metaverse gradually mature, the Metaverse is continuously applied to various scenarios. In the era of mobile Internet, web pages have been replaced by APPs, making people's interactivity more convenient. Thousands of information can be conveyed and output with just a click of a finger; in the metaverse era, product forms have been replaced by NPCs, and AR/AI virtual technology has adopted Panoramic virtual technology improves immersion.

The core of NPC in the future will be the underlying protocol (blockchain) + virtual digital human (visual presentation) + AI (large-scale decision-making). In the future, the copyright form in the metaverse will give birth to new With different asset forms, new creative subjects and new combination states, the new industrial landscape of the future Metaverse is gradually taking shape.

Speaker: Ma Qiang Vice Chairman Unit of Blockchain Service Network BSN Development Alliance, Hongzao Technology C00

At the forum, Mr. Ma Qiang systematically explained how blockchain Empowering the digital economy, what is NFT technology, the importance of NFT technology in the metaverse, the Chinese technology system of NFT, etc.

Mr. Ma Qiang mentioned:

The DDC network is a secondary network composed of multiple open alliance chains based on the blockchain service network BSN, and Provides ready-made chain environment and related smart contracts, API and SDK for the generation of NFT/DDC. The BSN-DDC basic network adheres to the eight core concepts of "as transparent as a public chain, fully compliant in the country, low in price, and technologically diverse". It has currently built Tai'an chain, Wuhan chain, Wenchang chain, Fuzhou chain and many other chains based on different Open alliance chain of blockchain technology!

Moderator: Li Haifeng, Operation and Maintenance Director of Qinchu Technology

Roundtable guests:

Li Shi, General Manager of Tencent Cloud Northwest

/> Yao Yao, General Manager of Inspur Shaanxi District Cloud Equipment

Wang Lei, Huawei Cloud Blockchain Product Director

Liu Fuhua, Northwest Business Director of Amazon Cloud Technology

Zhang Lei, Northwest Internet Business Director of Alibaba Cloud

Mo Yi, Public Affairs Director of Kingsoft Cloud Government and Enterprise Division

Roundtable At the meeting, various guests focused on the theme of "Metaverse - Next Generation Internet and Business Scenarios" and discussed "the future shape of the Metaverse, the direction of development in the Metaverse field, the role of cloud computing in the Metaverse industry, and things worth paying attention to" Metaverse application scenarios" expressed their respective views. As all the guests said: The Metaverse track is full of imaginative space and is worthy of exploration by all enterprises.

Sharing guest: Bao Shuai, co-founder & COO of Kechuang Information Technology Company

At the forum, Mr. Bao Shuai took "blockchain + autonomous driving" as the starting point. He shared the commercial implementation issues of autonomous driving systems, blockchain-based autonomous driving data sharing, blockchain-based autonomous driving data sharing and other technology implementation directions.

After Mr. Bao Shuai’s wonderful speech, this forum ushered in the second round of signing: the Gansu Cultural Exchange Center Silk Road Digital Collection Trading Platform Signing Ceremony (hereinafter referred to as: Signing Ceremony).

Deeply exploring new areas of cultural integration and forging the platform of the International Cultural Exchange University, the Gansu Cultural Property Rights Trading Center has always adhered to the purpose of "connecting culture with capital and trading to enhance value", constantly promoting the integrated development of culture and the Internet, and making every effort Create a comprehensive service platform for the cultural industry that integrates cultural elements across industries, regions, specialization, quality and characteristics.

Gansu Cultural Exchange Center Silk Road Digital Collection Trading Platform, as a one-stop digital commodity industry service platform, continuously promotes the confirmation of rights, authenticity, price, certainty, and order of digital commodities, and provides true services The real economy promotes the circulation of digital goods and promotes the deep integration of culture with the Internet, finance and creativity.

Wang Qiming General Manager of Gansu Wenjiao Silk Road Data Tibetan Trading Platform

Meng Fanying General Manager of Qinchu Technology

Wang Qiming General Manager of Gansu Cultural Exchange Silk Road Data Tibetan Trading Platform

Yang Ning General Manager of Shaanxi 322 Cultural and Creative Development Co., Ltd.

Speaker: Yang Yongqiang Paper Product Director of Gui Technology

As the fifth theme guest of this forum, Mr. Yang Yongqiang took "Application Practice of Metaverse to Empower Digital Industry" as the starting point and shared with examples the role of Metaverse in the digital industry. Practical applications, and the impact of the future metaverse on the digital economy.

Mr. Yang Yongqiang mentioned:

As an important way to leap into the digital world, many domestic cities have successively issued metaverse incentive policies; as a way to integrate multiple new technologies, As a new social form, Yuanverse has continued to make efforts in the digital transformation process of multiple industries and fields such as urban governance, digital twins, digital collections, digital art, urban exhibition halls, cultural and entertainment activities, virtual digital characters, etc.!

Speaker: Ma Lichuan, Deputy Director of Shaanxi Provincial Key Laboratory of Blockchain and Secure Computing

As the last guest speaker of this forum, Deputy Director Ma Lichuan From the starting point of "blockchain empowering the construction of a trusted digital economy", it systematically elaborates on the current status of domestic and foreign industries, domestic industry development trends, data on various digital economy formats in Shaanxi Province, and challenges faced by the development of the digital economy.

Deputy Director Ma Lichuan said:

The digital economy is a key element in creating a new development pattern. The core of the digital economy is data. If we can promote the innovation of traditional digital elements, Extensive and deep integration with traditional industries has shown great potential in maximizing resource utilization and balancing supply and demand with economies of scale.

With the core reorganization of traditional data elements and the smooth flow of data elements, we can integrate and develop a strong domestic market and vigorously expand foreign trade markets.

At the award ceremony of this forum, President Tan Min, Secretary-General Li Weipeng, and Chief Supervisor Zhao Liang of the Xi’an Blockchain Technology Application Association served as the award guests, respectively awarding the [Yuanverse Industrial Technology Leading Brand] and [Digital Culture Industry Innovation Brand] Two awards, the winning companies are as follows:

Yuanverse industry technology leading brand:

Golden Link Alliance, Alibaba Cloud, Tencent Cloud, Huawei Cloud, Kingsoft Cloud, Inspur, Amazon Cloud Technology, Zhigui Technology, Qulian Technology, Qinchu Technology, Hongzao Technology, Feidie XR Technology, Juchi Cloud, Yiyuan Technology

Digital cultural industry innovative brands:

Lingjing Collection, Qin Chushu Collection, Red Cave Collection, Unbounded Territory

Moderator: Ma Qianli Vice President Babbitt, Secretary General of META50 Forum

Roundtable guests:

Yang Jinfan Director of the Rule of Law and Science and Technology Development Research Office of Northwest University of Political Science and Law

Qi Lu President of Xiamen Yunda IoT Data Research Institute

Zhang Yaosen Deputy Secretary-General of Fujian Blockchain Association

Zhang Wei Vice President of Nanjing Blockchain Industry Application Association, Art General Manager of Yuan Technology

Han Kui Qin Chu Product Director

Chen Siqi Business Manager of Lingjing Collection

During the second round table meeting, various guests gathered around With the theme of "blockchain technology promotes high-quality development of the digital cultural industry", they jointly discussed "how blockchain technology can help the digitization of my country's cultural industry, the digitalization of the cultural industry has spawned new consumption and new formats, and the problems and challenges faced by the digital cultural industry. Issues such as "how to promote the high-quality and standardized development of the digital culture industry and the future key layout direction of digital collections" were discussed. The digital culture industry relies on its advantages of openness, low threshold and interactivity to further extend the cultural industry chain, promote structural optimization, and form The new trend of online and offline integrated development!

8. What is the future prospect of the blockchain industry?

Main companies in the industry: Tianzhou Culture (300148), Meiya Pico (000607), Hua Media Holdings (300188), Digital Video (300079), Jinyun Laser (300220), Nantian Information (000948), Borui Communications (600880), Annie Shares (002235)

The core data of this article: Global blockchain market size, global Regional distribution of blockchain investment and financing events

The scale of the global blockchain industry is growing rapidly, application scenarios continue to expand

According to IDC data, the global blockchain market will show steady growth in 2020, reaching US$4.31 billion. Affected by the new round of regulatory policies on the blockchain industry in European and American countries, the growth rate of the global blockchain market has declined compared with 2019, reaching 53.97%, and is expected to reach US$14.533 billion in 2023.

Equity investment events account for nearly 93%

In 2021, a total of 1,786 investments and financings occurred in the global blockchain. Among them, there were 1,659 equity investments, accounting for nearly 93% of the total investment and financing. In addition, there were a total of 64 mergers and acquisitions, 13 listings and 50 token financings.

Equity investments in the Americas, Europe and Asia are the most active

Judging from the regional distribution of the number of equity investment events, the Americas have the largest number of blockchain equity investments, with a total of 542 in 2021. Pens, accounting for 33%. Followed by Asia and Europe, accounting for 18% and 15% respectively, there is not much difference. Overall, the number of equity investments in the three continents of the United States, Europe and Asia accounts for more than 65% of the global blockchain investment and financing.

From the perspective of amount distribution, the amount of blockchain equity investment in the Americas in 2021 reached 128.975 billion yuan, accounting for more than 50%, reaching 56%. In terms of equity investment amount, Europe overtook Asia, accounting for 24% of the investment amount, which was double that of Asia (12%).

The United States "far surpasses Tongji"

At the national level, the United States ranks first with 484 equity investments and a total investment amount of 116.773 billion yuan. Far exceeding the second place China with 97 investments and investment amount of 11.285 billion yuan, Singapore and the UK ranked third and fourth with 91 investments and 88 investments respectively. In addition, the number of equity investments in other countries is less than 50.

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