区块链应用在银行业的应用,区块链应用在银行业的发展

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区块链技术在银行业的应用受到了越来越多的关注，它可以改善银行业的效率，提高安全性，改善客户体验，以及帮助银行在金融科技领域获得竞争优势。本文将介绍区块链在银行业的应用，以及其发展拓展的三个关键词：数字货币、智能合约和数据共享。

数字货币：数字货币是基于区块链技术的加密货币，是一种不受中央机构控制的分散式货币，可以用于记录、存储和发送数字资产。数字货币的发行和使用不需要中央机构的参与，可以极大地改善银行业的效率和安全性。此外，数字货币可以提高银行业的客户体验，使客户可以在短时间内完成跨境支付和转账等金融服务。

智能合约：智能合约是基于区块链技术的一种自动执行的合同，可以自动完成支付、转账和记录等金融服务。智能合约可以提高银行业的安全性，因为它可以更有效地审核和验证交易，并且可以在不需要中央机构的情况下实现自动化交易。此外，智能合约还可以改善银行业的客户体验，使客户可以更快捷地完成金融服务。

数据共享：数据共享是基于区块链技术的一种机制，可以让不同的机构之间共享数据，提高数据的可信度和安全性。在银行业，数据共享可以帮助银行更有效地审核和验证客户的身份，从而更有效地完成金融服务。此外，数据共享也可以提高银行业的客户体验，使客户可以更快捷地完成金融服务。

从上述三个关键词来看，区块链技术在银行业的应用可以改善银行业的效率、安全性和客户体验，帮助银行在金融科技领域获得竞争优势。随着区块链技术的不断发展，区块链在银行业的应用将会有更多的发展拓展。

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『一』The application of blockchain in the financial field

1. Application and development of blockchain

Some Internet and Internet start-ups And the traditional financial industry has begun to try and apply it in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions are testing the waters one after another, and they are basically in conceptual experiments. stage and has not yet been commercialized on a large scale.

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

Bills are an important financial product in the financial market. They have dual functions of payment and financing. They are of high value and bear bank credit or commercial credit. Once a bill is issued, its face amount, date and other important information cannot be changed. Bills also have circulation attributes and can be accepted, endorsed, discounted, rediscounted, collected and other transactions within a specific life cycle. Once the transaction is completed, the transaction cannot be revoked. There are two characteristics in the circulation of bills: First, the circulation of bills mainly occurs through bank acceptance bills, and the number and circulation of commercial acceptance bills are small; second, each bank independently conducts credit granting and risk control on the bill business, and a single bank's Risk control results may affect other participants in the bill market transaction chain.

The experimental production system of the digital bill trading platform uses SDC (Smart Draft Chain) blockchain technology to protect privacy through cryptographic algorithms such as homomorphic encryption and zero-knowledge proof. The Byzantine Fault Tolerance Protocol (PBFT) performs consensus and uses a see-through mechanism to provide data monitoring.

The experimental production system includes four subsystems: stock exchange, bank, enterprise and monitoring: the stock exchange subsystem is responsible for managing the blockchain and monitoring the digital bill business; the bank subsystem has Digital bills have business functions such as acceptance and receipt, discount signing, rediscounting, and collection and repayment; the enterprise subsystem has business functions such as issuance, acceptance, endorsement, discounting, and prompt payment of digital bills; the monitoring subsystem monitors the status of the blockchain in real time and business occurrences

6.

『二』What is the prospect of blockchain finance

1. In fact, the relationship between blockchain technology and finance The union is not accidental. SimpleGenerally speaking, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low capital utilization efficiency, and high payment processing costs.
2. In reality, Bitcoin is not equal to blockchain. Digital currency is just one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.
3. Industry insiders pointed out that although the application prospects of blockchain technology are broad, At present, there are only a few projects that have actually been implemented and produced social benefits. Blockchain technology is in the early stage of development and still needs to be viewed rationally. In the next step, blockchain technology should be used to explore digital economic model innovation and add impetus to the optimization of the business environment. , to provide support for promoting high-quality economic development.

『三』 Thoughts on the application of blockchain technology in the construction of credit banks 4

3. Strive to seek blockchain technology The integration point with the construction of a credit bank

As mentioned earlier, "Blockchain technology can be used in any scenario that requires global and historical recording of data." Therefore, such as credit accumulation and credit bank Blockchain technology can be used to meet the needs of building such historical record data and global display scenarios. The emergence of blockchain technology has undoubtedly opened up broad development for the establishment of personal learning accounts, credit accumulation management and credit conversion management. Prospects.

1. Use blockchain technology to enhance the confidentiality of personal learning accounts

To establish a personal learning account, theoretically, the maximum number of accounts that need to be established in our country is More than one billion. Since the nine-year compulsory education is for every child, the cumulative learning results of this age group are basically the same. Personalized records are relatively simple. The main differences are in extracurricular learning activities, or The demand for setting up a learning account is slightly lower. If you start recording from the high school age group, some teenagers will go to ordinary high schools, vocational high schools (technical secondary schools, technical schools), or directly enter the society. Different choices will begin to have big differences. Learning experience, so it is necessary to establish a learning account and record learning activities (accumulation of credits). Establishing a learning account at this time coincides with the age of applying for a resident ID card. Therefore, we can put the personal learning account The uniqueness is similar to the uniqueness of the personal ID card, that is, the personal ID number is used as the personal learning account. This can reduce the workload of setting up the personal learning account and reduce the difficulty of management. For the amount of personal ID card data, from the current public security system in our country The practice of applying for resident ID cards has proved that modern computer network technology is no longer a problem for the storage of resident ID card information and instant login queries for more than one billion people. It shows that it is feasible to use resident ID numbers as personal learning accounts.

From this point of view, existing computer network technology and database technology can basically meet the needs when it comes to establishing personal learning accounts. The advantage of blockchain technology for learning accounts is mainly in the account password. In particular, the private key of the personal private chain must be in the hands of the learner to show ownership of the account. But from a management perspective, the national credit bank and provincial credit banks also have public chain and alliance chain management structures, and the public key also needs to be published so that the information is transparent and accessible to the public.

2. Use blockchain technology to partition storage to maintain the authenticity of original learning achievement records

The difficulty of modifying the data information in the blockchain makes the history of personal learning achievement data Authenticity and stability are guaranteed. Organizations and institutions (secondary and higher schools, training institutions, distance learning network platforms) can have their own blockchain technology database to record the learning outcome data obtained by learners during their personal learning in their organizations and institutions. Here, the records of each block (ledger page) are generally authentic and credible, and each organization and institution has no reason to falsify when recording learning results for learners. Therefore, the chain (ledger) formed by the accumulation of blocks is solidified for a long time and is difficult to modify, and the authenticity of its records is reliable.

The first block forms the first item (page) record of the learning achievement ledger. The subsequent blocks not only form the blockchain, but also record the second and subsequent learning sessions. The data also forms an accumulation with the learning data in the previous block. By continuously recording and accumulating, the total learning data is obtained. The decentralized nature of blockchain technology allows credit and conversion data to be backed up in multiple places through distributed nodes, making it more difficult to modify existing data in the ledger, thus preventing malicious nodes from tampering with credit and conversion data.

With the individual’s “record of learning achievements at all ages throughout life” and the “blockchain record of learning achievements of a certain period of time” of the learner from an organization and institution, as well as the national, provincial and municipal credit bank’s The "relatively complete long-term blockchain record of the learner's learning results" in the alliance chain and public chain has the possibility of mutual verification of the individual's learning results, which is conducive to preventing and eliminating errors and fraud, and ensuring the reliability of the data. sex and credibility.

3. Use the consensus mechanism of blockchain technology to provide guarantee for the recognition and conversion of learning results

The recording and accumulation of personal learning activities and credits are not only for "retaining "Travel" or display and show off, and more importantly, to transform applications to reflect the higher use value of learning activities and credits, which involves learning achievement conversion policies.

Blockchain technology has features such as consensus algorithms and reward mechanisms. With the unique advantages of blockchain technology, countries, local governments, employers, businesses, schools, etc. can formulate corresponding policies to encourage individual learning. Learning achievement recognition and conversion incentive policies,Provide guidance and confirmation for the identification and conversion of learners' learning outcomes. For example, non-academic learning activity results can be converted into academic learning credits, and vocational and technical certificates can be converted into academic education credits. Credits that reach a certain number can be converted into academic education certificates or can be used for other consumption. This has encouraged the vigorous development of national learning activities.

4. Use blockchain technology to enhance the credibility of “digital identity” in continuing education

Usually, digital identities are based on personal information stored in computers and their social connections. Used in an identity-related manner. It is now often used to represent all the information generated by a person's online activities. That is, digital identity is a combination of a series of characteristics used to confirm "who you are" in the Internet scenario. It can provide a better trust environment for the Internet. Adults participating in continuing education will participate in a large number of activities in the computer and Internet environment, which further reflects the importance of digital identity.

In the digital identity verification process, blockchain technology can greatly enhance the credibility of digital identities. Personal digital identity information is distributed and stored on different nodes, and the data source records cannot be tampered with unless the blockchain network reaches a consensus on changes. Utilizing asymmetric encryption technology, the verification requester does not need original data and can complete identity verification only by comparing the hash value of the digital identity, eliminating the risk of personal privacy leakage. In addition, blockchain can eliminate the possibility of false information being used by one party, which helps prevent identity theft and eliminates the risk of inconsistent information when a personal digital identity is used in different scenarios.

『四』 What are the blockchain banking system development companies_Application of blockchain in the banking industry

The application of blockchain in the financial electronics industry can be said to be Most of all, after all, blockchain technology is not yet fully mature and has not many applications in China. However, blockchain technology plays a prominent role in the financial industry and can solve many problems

About In the application of blockchain technology to the system development of the financial industry, most companies are conducting research, but there are also a few companies such as Yingtang Zhongchuang that provide development solutions, which are relatively mature

< p>For now, there are still relatively few applications of blockchain, and it mainly depends on the in-depth research and development capabilities of each enterprise on blockchain technology

『五』Blockchain applications are piloted in Zhejiang Commercial banks' "simplified reimbursement" helps companies reduce costs and increase efficiency

Since the outbreak, business operations have generally been severely affected, and in special times, companies need to find ways to "tighten their belts." Among them, using Technology to reduce costs and increase efficiency is a wise choice.

Zheshang Bank keeps up with the new development pattern, exports technology to the outside world, improves internal management efficiency, and overcomes difficulties together with enterprises. Its independently developed SaaS-based expense control software - Minimalist Reimbursement, fully utilizes the advantages of blockchain technology in data confidentiality and sharing, and achieves a multi-dimensional simplified reimbursement process, which can reduce the cost of enterprises by about 20%. financial reimbursement work,Shorten the reimbursement cycle by 30%, helping enterprises reduce costs and increase efficiency.

As we all know, blockchain technology is one of the most promising technologies in recent years. This shared distributed database technology is mainly used in finance, public services, information security, Internet of Things, supply chain, etc. In the field, through smart contracts, we can achieve the purpose of data openness, transparency, non-tamperability, and point-to-point transactions to improve efficiency. During the epidemic, blockchain applications that have been gradually implemented have penetrated more deeply into all aspects of work and life of enterprises and individuals based on past practice and exploration.

For example, Zheshang Bank independently developed a SaaS-based expense control software - Minimal Reimbursement. It was the first to try blockchain technology in payment and successfully used blockchain technology in Advantages in data confidentiality and sharing.

Specifically, the reimbursement business of Simplified Reimbursement automatically generates a payment list through document submission and approval, and registers the generated to-be-paid list data to the blockchain platform. The blockchain platform ensures the reliability, security, and non-tamperability of the data to be paid through technologies such as digital signatures, encryption algorithms, and consensus mechanisms. At the same time, customers can directly obtain the payment list data from the blockchain platform and store it in the bank-enterprise direct connection system for payment in the form of data signature, realizing the sharing of payment list data between banks and enterprises.

Not only that, based on blockchain technology, minimalist reimbursement can also build a business travel alliance chain with banks, enterprises, airlines, catering companies, etc., and realize the realization of different industries through the distributed ledger characteristics of blockchain. , data sharing between different enterprises can simplify the reimbursement process to a greater extent, and ultimately help customers improve their expense management capabilities and achieve cost reduction and efficiency improvement.

In the process of expense management, enterprises will more or less encounter problems such as blocked processes and cumbersome offline operations. The minimalist reimbursement can allow employees, financial personnel and enterprises to enjoy efficiency and convenience. It has many functional highlights, let me explain them one by one:

For employees, they no longer have to worry about advances, invoices, and reimbursements when traveling, using cars, purchasing, and dining. Minimalist reimbursement creatively opens up a model in which "employees do not advance money, do not issue invoices, and do not reimburse themselves; the enterprise has one account, one invoice, and one payment". And a reimbursement credit system has been established. Under the credit system, the higher the credit score, the shorter the approval time, and the faster the reimbursement payment will be received.

For financial personnel, minimalist reimbursement also provides financial personnel with work convenience to the greatest extent. It can be said that the functions of all-employee scanning and automatic invoice verification are the favorites of employees and finance. Among them, all-employee scanning allows employees to directly upload attachments such as invoices during the reimbursement process, so that companies do not need to set up dedicated scanning personnel or purchase scanning equipment, and the storage and retrieval of electronic materials are worry-free and convenient. At the same time, the system automatically checks, so financial personnel no longer have to worry about the authenticity of invoices.

For enterprises, minimalist reimbursement is a "data warehouse" that can provide useful information for management decisions. doAs a large collection of enterprise expense data, Simplified Reimbursement has massive data and can generate multi-dimensional expense analysis reports, advance booking statistical reports, input tax accounting detailed reports, employee current payment reports, etc., which can truly help enterprise management decisions.

Open banking has gradually become the direction of digital transformation for commercial banks. In recent years, Zheshang Bank has actively promoted the platform service strategy and built a comprehensive service platform of "technology + finance + industry + customers", and its internal management technology has also been gradually exported to the outside world.

It is understood that as a free cost control product provided by Zheshang Bank to strategic customers, Jiefang Reimbursement already has hundreds of thousands of individual users, and its customers cover the manufacturing, service industry, commercial enterprises, financial industry, It is used in many industries such as construction, Internet, and hospitals, and is used by many large, medium, and small enterprises such as listed companies, central enterprises, and city commercial banks.

Judging from customer feedback, the use of minimalist reimbursement has been widely recognized. Taking a certain city commercial bank as an example, the original paper-based application model, unfixed business travel booking channels, and offline approval processes have all been improved through automation technology in simplified reimbursement, reducing the company's costs by more than 20%. In the reimbursement work, the reimbursement cycle has been shortened by 30%, and employee satisfaction has been greatly improved. The system's budget management module supports multi-dimensional settings, controls corporate budgets, automatically generates accounts, and various report management provides financial personnel and managers with more decision-making information.

Another example is a listed company that is troubled by tedious matters such as paper approval, invoice verification, and manual accounting. Minimalist Reimbursement uses functions such as online mobile approval, automatic invoice verification, and automatic generation of accounts by the system. The approval efficiency of leaders has been greatly improved. System automation and process reengineering have reduced the workload of basic financial work by about 40%. Finance can also report department expenses, abnormal reimbursement invoices and other matters to leaders through data reports. (Jin Wen)

『Lu』 Is blockchain useful? What impact and prospects does blockchain have?

I believe that everyone is no longer interested in the emerging technology of blockchain. Strange, because this is the most popular topic at the moment, and many big guys in different industries are analyzing its role and prospects. Today we will also do some research on blockchain, is it useful and how is blockchain trace chain useful? I hope this analysis of the impact and prospects of blockchain can help everyone.
Is blockchain useful?
1. Banking: As a digital, secure and interference-proof account, blockchain realizes the core function of the banking industry: a safe storage and transfer center of value. In other words, in the next few years, a wave of companies based on blockchain technology may affect the banking industry.
2. Payment and transfer: Blockchain technology can avoid complicated systems and create a more direct payment process between the payer and the payee. Whether it is a domestic transfer or a cross-border transfer, this method has its advantages. Low price, fast, and no intermediate handling fees.
3. Network security: Although the blockchain system is public, its coreAdvanced encryption technology is used in the data exchange process such as verification and transmission. This technology not only ensures the correct source of data, but also ensures that the data is not intercepted during the process. If blockchain technology is more widely used, the probability of being attacked by hackers may also decrease, so people think that blockchain systems are more stable than traditional systems. One of the reasons why blockchain systems can reduce traditional network security risks is that they eliminate the need for middlemen.
4. Election: Everyone's vote "can never be modified or deleted by us - programmers, school administrators or students."
5. Smart contract: Smart contracts are actually on another object. A computer program that performs functions on the go. Like ordinary computer programs, smart contracts are also an "if-then" function, but blockchain technology enables the automatic filling of these "contracts" without manual intervention. Such contracts may eventually replace the legal merger industry's core business of drafting and managing contracts in both commercial and civil areas.
6. Stock trading: For many years, companies have been trying to simplify the process of buying, selling and trading stocks. Emerging blockchain technology startups believe they can go beyond the past, automating the entire process, improving security and efficiency.
What impact and prospects does blockchain have?
1. The dual impact of bringing wealth and risk:
The difference between blockchain technology and traditional Internet technology is that it chooses the high-risk financial industry as the entry point, but the financial field is full of Areas with many obstacles. Such direct entry has a dual impact: on the one hand, it can bring wealth effects to entrepreneurs relatively quickly; on the other hand, various risks will also come directly and violently.
2. Improve efficiency and reduce costs:
For physical finance, blockchain can maintain the fidelity in the process of transmitting information, such as personal credit information and other data, thereby avoiding many transaction costs and enabling large-scale Improve efficiency, this is the positive meaning it brings.
3. Control financial risks early and small:
Blockchain is cooperating with the innovation of digital currency, preventing over-insurance in the insurance industry, over-lending in bank mutual funds loans, and the integration of supply chain finance. , promote electronic identity recognition, etc., applicable to many industries and fields. In terms of financial security, many companies have also cooperated with regulatory authorities to build regulatory technology systems to help regulatory authorities monitor and provide early warning for the risks of Internet financial companies, so as to control financial risks early and at an early stage.
4. The owner of the data should be the user himself:
Blockchain is a technology worthy of attention, and it has relevant layouts in its own business and investment. Bitcoin and other electronic currencies are applications based on blockchain technology. They have certain currency functions and have certain use value. However, the main problem now is that the gap between the use value and the transaction price is too big. . ICO is a financing business model.
5. The darkest stage contains the most opportunities:
The darkest stage often contains the most opportunities.Yes, the application scope of blockchain goes far beyond currency and finance. For example, big data can be applied to the entire medical and health field in the future. If medical records and diagnosis data are shared to all different medical systems through big data blockchain, the efficiency of treating diseases and saving lives can be greatly improved.
The editor believes that the correct development prospect of blockchain is to "talk less about financial innovation, focus more on financial security, focus more on inclusive finance, and do more on medical care, health, and environmental protection."
The above is the blockchain brought to you by the editor. Is it useful? What impact and prospects does blockchain have? all content.

『撒』How to effectively promote the innovative application of blockchain technology in the financial field

The China Securities Regulatory Commission released on February 24 the fifth meeting of the 13th CPPCC National Committee No. 03009 Letter of reply to the proposal No. (Finance, Taxation and Finance No. 199). Proposed: According to the "Notice on Issuing the National Blockchain Innovation Application Pilot List" by the Cyberspace Administration of China, the People's Bank of China and the China Securities Regulatory Commission actively cooperated with the Cyberspace Administration of China to carry out the pilot work of the National Blockchain Innovation Application and took the lead in establishing the pilot list. Huaitai has established national pilot projects in the characteristic fields of "blockchain + equity market" and "blockchain + trade finance" to effectively promote the innovative application of blockchain technology in the financial field.
With the encouragement and support of multiple policies and financial regulatory authorities, it means that electronic signatures will become a digital business processing tool for financial institutions to realize online business. In the future, electronic signatures and electronic contracts have become the general trend!
Junzizhuan, a brand of eBaoquan, is a professional blockchain electronic signing platform in China. For many years, it has been committed to creating a one-stop full ecological financial closed-loop service for financial institutions, from signing to depositing certificates to lending. A complete set of mature, reliable and secure blockchain electronic contract solutions can help financial institutions reduce costs and increase efficiency while improving risk management and control capabilities and effectively promote the development of online business.
In addition to mature and reliable solutions, Junzi Sign has also successfully applied blockchain technology in the financial industry.
At present, the Junzi Signing Platform has established cooperation with many large domestic banks and achieved efficient business development.
Open up the Internet courts, notary offices, judicial appraisal centers, arbitration committees and other authoritative institutions to create a judicial support service system in Qiangming Town, which can provide complete evidence storage, evidence consolidation and evidence production services. Compared with paper contracts, it has More rigorous and safe legal effect.

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

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