蜂巢星球官网,蜂巢星球怎么赚钱

蜂巢星球是一家专注于提供移动应用和游戏的开发服务的公司，其主要业务是为客户提供高质量的应用和游戏开发服务。它的目标是为客户提供一流的服务，以满足客户的需求，同时也为客户赚钱。那么，蜂巢星球怎么赚钱呢？

1. 提供应用和游戏开发服务：蜂巢星球主要业务是为客户提供高质量的应用和游戏开发服务，这是它赚钱的主要来源。它拥有全球顶尖的技术团队，可以为客户提供优质的服务，这样客户就会满意，而蜂巢星球也可以获得报酬。

2. 合作伙伴联盟：蜂巢星球还通过与其他公司的合作来赚钱。它与其他公司建立合作伙伴联盟，为客户提供更多的服务，从而获得报酬。它还可以通过参与其他公司的活动来获得收益，从而为客户提供更多优质的服务。

3. 广告收入：蜂巢星球还可以通过投放广告来赚钱。它可以与广告公司合作，在自己的应用和游戏中投放广告，从而获得收入。它还可以与广告公司合作，在其他公司的应用和游戏中投放广告，从而获得收入。

以上就是蜂巢星球怎么赚钱的介绍，蜂巢星球主要通过提供高质量的应用和游戏开发服务、与合作伙伴联盟的合作以及投放广告来赚钱。它的目标是为客户提供一流的服务，同时也为客户赚钱。

A. Social Finance Platform - SLN

Social Lending Network (SLN) is a decentralized global social finance platform based on blockchain technology
. The Social Lending Foundation will be committed to building a new financial lending ecosystem in the field of digital assets to solve the problems faced by traditional centralized institutions, respond to future digital economic financial behaviors, and serve the digital financial ecosystem. Social elements will also be introduced to allow community, consensus, and digital trust to play a greater role in the decentralized ecosystem.

The traditional Internet financial ecosystem faces the following important challenges in its development:

1. The crisis of trust in the centralized trading system. Centralized nodes play the role of credit intermediaries. Even banks themselves will have great credit risks. The actions of banks in the subprime mortgage crisis and certain opaque operations of P2P have brought great hidden dangers to the entire ecosystem.

2. The cost of fund management is high. The development costs, maintenance costs, and transaction costs of fund depository, third-party payment, and reconciliation are all very high. These complex links will undoubtedly increase the financing costs of the entire ecosystem, and are contrary to the original intention of inclusive finance.

3. Market operating costs are high. Currently, customer traffic in the Internet field has been monopolized by traditional Internet giants such as Google, Facebook, Alibaba, and Tencent. High traffic purchase fees and customer acquisition fees further increase the financing cost of the entire ecosystem.

4. Difficulty in global expansion. In the field of FIAT, the global expansion of Internet financial institutions will be subject to many constraints. There are great difficulties in everything from financial supervision to capital exchange. Every expansion of an overseas operation involves new business processes, and it is difficult to create synergy between operations in different countries and regions.

The blockchain cannot be tampered with, is open and transparent, and operates in a decentralized manner. These characteristics can be used to solve some problems of the traditional Internet financial ecosystem. The Social Lending Foundation will build a “target ecosystem” in the cryptocurrency space.

Such a decentralized financial lending infrastructure and ecosystem has the following advantages:

SLN will provide safe, convenient and modular services based on the underlying architecture of Ethereum. In addition, SLN will gradually launch a BaaS open platform to provide services for the entire digital asset financial lending ecosystem, including borrowers and lenders, network traffic owners, credit data service providers, risk control service providers, mortgage guarantee institutions, post-loan management institutions, asset management institutions, etc. Provide services and build a complete and reasonable open ecosystem.

In order to activate and serveServe this open ecosystem and complete a closed business loop. The SLN platform will provide the following modules and basic services:

1. SLN Dapp and decentralized digital wallet.
The SLN digital wallet will be integrated into SLN’s Dapp Hive Planet. SLN ecological participants can use SLN Dapp or directly develop their own Dapp to call all functions of the SLN platform through BaaS.

2. Core business module.
Carrying the main business logic in the decentralized financial lending ecosystem, such as lending logic, debt transfer logic, mortgage, delivery, etc. The core functions of this module are encapsulated in smart contracts based on Ethereum. The core business module of SLN will include at least the following business logic and gradually expand its derivatives:
(1) Credit lending logic.
(2) Mortgage lending logic.
(3) Financial management and investment business logic.
(4) Guaranteed lending logic.
(5) De-neutralize ABS business logic.

3. Identity authentication and authorization module.
Achieve the following capabilities:
(1) Decentralized encrypted storage, which cannot be obtained by the SLN platform itself.
(2) User data is mastered and controlled by the user himself, and can be authorized to be viewed by designated roles.
(3) The signature hash will be saved on the chain to ensure that the data will not be tampered with by others.
(4) Each credit data and the signature of the data provider are stored separately, providing a more flexible profit sharing method.

4. User relationship network
The user relationship network will record:
➢ The relationship between people and their attributes
➢ The belonging of people and the community Relationships and attributes
➢ Relationships and attributes between communities
➢ Network graph of n-degree relationships between users

5. Distributed data storage.

6.SLN Oracle interface.
In order to maintain information interaction with traditional centralized nodes or other external nodes, SLN will introduce Oracle interfaces to complete this task. For example, read digital asset prices through Oracle; obtain external risk control tools and data; access external operation instructions, etc.

7. Community DAO module.
As a member of the SLN ecological DAO organization, the SLN project team will assist the SLN ecology. According toThe actual situation is constantly self-maintaining and upgrading, adapting to its surrounding environment through continuous self-improvement, and providing support from technical and other aspects. For example, if the SLN community decentralizes credit scoring and agrees on the penalty rules for false information, then the SLN community DAO module will establish and execute these rules in the form of smart contracts.

Anyone, any organization, and any institution can participate in the construction of the Social Lending Network decentralized financial lending ecosystem based on their own resources and services, and obtain Tokens based on their contributions and consume them according to the rules Token.

Social Lending Foundation will introduce the ERC20 standard Tokenn based on Ethereum, Social Lending Token (SLT), to realize value transfer in the entire decentralized financial lending ecosystem.

SLN open platform and ecological participants pay or collect
SLT by purchasing and providing services within the ecosystem. These services include but are not limited to:
(1) Transaction Service Fee (Transaction Gas)
(2) Information Service Fee (Information Gas)
(3) Bonding Service Gas )

In addition, for different countries, different regions, and different economies, SLT can provide cross-border, cross-currency, and cross-scenario financial lending services, breaking the barriers of the original financial lending services and promoting and It has improved the financial lending ecosystem on a global scale.

Based on the properties of GAS, platform users can choose to pay more SLT to obtain better services, and the nodes participating in the service are also willing to provide faster and better services.

In addition, Social Lending will preset 10% of the total issuance amount of SLT as an incentive fund, and make the following two main institutional arrangements:
(1) Ecological expansion incentives: encourage more partners , join and participate in the SLN decentralized financial lending ecosystem.
(2) Ecological activation incentives: Encourage users to conduct business in the ecosystem and promote the ecological closed loop to form a positive spiral.

The total issuance of SLT is 1 billion, and the specific distribution is as follows:

CEO: Henry Yang
Peking University International BiMBA, New York Fordham University Master of International Finance MSGF, Luwen (KU LeuvMBA from Vlerick Business School of the University, Nasdaq Scholarship winner, many years of experience in TMT industry and investment field. He founded the white-collar mutual aid platform Aipinbao, served as the CEO of PAG Auto Finance Lemi Financial Services, and the founder of Infobird Data. Since 2015, he has started research on the cross-application of blockchain, intelligent risk control, and technology finance. In 2017, he joined Yunfeng Technology as the VP of Marketing and Strategic Cooperation.

CTO: Jason Gu
Bachelor's degree in computer science from Beijing Institute of Technology and master's degree in software engineering from University of Macau. He has worked for Siemens, Motorola, Internet and other companies and held technical management positions. One of the main architects of the network cloud OS system. Started researching and participating in blockchain projects in 2014. Joined Yunfeng Technology in 2017 and served as VP of Product and Technology.

CDO: Charles Wei
Bachelor's degree in automatic control from Xi'an Jiaotong University, master's degree in automatic control from the Ministry of Aerospace. Served as senior researcher at Lucent Bell Labs; software architect for Motorola mobile communications; R&D director of BlackBerry China; multiple entrepreneurial experiences in the Internet and financial technology fields; extensive research in the fields of underlying communication protocols, network security, data algorithms, and blockchain Development experience.

The Social Lending project team is mature and stable, with a R&D and operation team of nearly a hundred people, and market channels covering the whole country. The core members come from well-known enterprises such as Alibaba, NetEase, Internet, Ping An Bank, Minsheng Bank, CreditEase, etc., with Extremely strong combat effectiveness and truly capable of commercial implementation.

The project work is also in full swing. The roadmap is as follows:

The Social Lending project team will face various innovations and opportunities with an open mind. From business to technology, we continue to invest in the following strategic directions:
1. Internationalization
2. Open technology platform
3. AI empowerment

General Generally speaking, the speed of launching Social Lending business, the openness of the platform and the operation of the community are all its advantages. The quality and quantity of the team cannot be underestimated.

B. What is blockchain and how to make money with blockchain

Blockchain is a term in the field of information technology. In essence, it is a shared database, and the data or information stored in it has the characteristics of "unforgeable", "full traces left", "traceable", "open and transparent" and "collectively maintained". Based on these characteristics, blockchain technology has laid a solid foundation of "trust" and created a reliable "cooperation" mechanism, which has broad application prospects.
The ways to make money in blockchain are as follows:
1. Currency speculation. Currency speculation is like stock speculation. Currency speculation is the lowest threshold way to make money in the blockchain;
2. Vendors, the blockchain is a global market, and you can be like a small merchant. Move from a low-price platform to a high-price platform to sell and earn the price difference;
3. Promote and earn commissions. The blockchain method is to first register an exchange account, generate your own invitation link, and then promote it. Someone If you register an exchange through your link and generate transactions, you can get a commission;
4. Mining, "mining" in Bitcoin is the accounting process;
5. Technical support, Provide blockchain technical support to some teams and enterprises;
6. Open a trading website and collect handling fees;
7. Develop wallets. Wallets are the infrastructure of the blockchain, just like the "Alipay" or "WeChat Pay";
8. Be a blockchain project or infrastructure equipment supplier.

Warm reminder: The above explanation is for reference only and does not make any suggestions. There are risks in entering the market, so investment needs to be cautious. Before making any investment, you should ensure that you fully understand the investment nature of the product and the risks involved. After understanding and carefully evaluating the product, you can make your own judgment on whether to participate in the transaction.
Response time: 2020-12-02. For the latest business changes, please refer to the official website of Ping An Bank.
[I know about Ping An Bank] Want to know more? Come and see "I Know Ping An Bank"~
https://b.pingan.com.cn/paim/iknow/index.html

C. What exactly is blockchain? Can you make money

Blockchain is a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. The so-called consensus mechanism is a mathematical algorithm that establishes trust and obtains rights and interests between different nodes in the blockchain system.

How to make money in the blockchain:

1. Earn commissions through promotion.

The blockchain approach is to first register an exchange account, generate your own invitation link, and then promote it. If someone registers the exchange through your link and generates transactions, you will get a commission.

2. Coin speculation.

Speculating in currencies is like speculating in stocks. Coin speculation is the lowest threshold way to make money in the blockchain.

3. Mining.

"Mining" in Bitcoin is the accounting process. This process requires grabbing, and if you grab the opportunity to bookkeeping rights, you will be rewarded, and the reward is Bitcoin. This behavior is "mining".

4. Develop wallet.

The wallet is the infrastructure of the blockchain, just like the "Alipay" or "WeChat Pay" of the blockchain.

Extended information:

1. Blockchain is an important concept of Bitcoin. It is essentially a decentralized database and serves as the basis for Bitcoin.underlying technology. The blockchain is a series of data blocks generated using cryptographic methods. Each data block contains information about a Bitcoin network transaction and is used to verify the validity of the information (anti-counterfeiting) and generate the next block.

2. Blockchain was born from Satoshi Nakamoto’s Bitcoin. Since 2009, various Bitcoin-like digital currencies have appeared, all based on public blockchains.

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

Blockchain - Network

D. Technology helps financial intelligence change, how does financial technology seize new opportunities

August 3 , Lieyun.com’s 2018 Financial Technology Industry Innovation Summit with the theme of “Smart Transformation into New Finance” was successfully held at the Four Seasons Hotel in Beijing. The summit was hosted by Lieyun.com and co-organized by Sharp View, Lieyun Capital, Lieyun Finance, AI Planet, Chuangtoutiao, and Hive.

In the past June and July, the online lending industry has continued to explode. Many Internet financial companies are facing life and death choices. Some companies that have transformed into financial technology still have lending businesses. It is also facing challenges, and uneasiness in the lending field has also spread to the entire financial technology field.

Against the background of this poor market environment, the 2018 Financial Technology Industry Innovation Summit hosted by Lieyun.com was successfully held, which is enough to see the recognition and belief of industry professionals in the field of financial technology. We firmly believe that the development and changes brought about by this field can promote the progress of the industry. This summit was also attended by executives from representative platforms in the lending field. In this field that has already encountered a crisis of trust, they are willing to stand up and rebuild the industry's trust system, showing people that this field that has been led astray by some speculators is still worthy of people's trust. , empowered by technology, it can solve more problems for individuals and small and medium-sized enterprises; in addition, the guests also discussed how to break through difficulties and how to develop amidst doubts, etc., and jointly made suggestions and found solutions to the urgent needs of the industry.

The Fintech Summit hosted by Lieyun.com also established a communication platform for top experts in the Fintech industry and elites in the investment community. Facing the new market of deleveraging, strict supervision, and emphasis on risk control, They focused on topics such as technology, capital, industry and ecology in the field of financial technology, jointly exchanged views on new changes and changes under domestic trends, explored new opportunities driven by technology, and provided ideas for people in the industry to learn from. Lieyun.com will continue to delve into the domestic entrepreneurial service market and at the same timeWe will also actively participate in integrating global entrepreneurial and investment resources and strive to build a globally competitive venture capital service platform.

The Beginning of Intelligent Change

In the entire financial technology field in a broad sense, after regulatory baptism and license restrictions, the entry threshold for the financial technology industry has increased, and the market has gradually become more standardized and standardized. reason. But as big data, cloud computing, artificial intelligence, and blockchain technologies continue to be verified and iterated in application scenarios, how will new technologies reshape the future of finance? In 2018, amid the tests of supervision, technology, capital, and assets, how to face and embrace new changes has become the biggest challenge for financial technology companies.

The rise of financial technology has only taken two or three years. Entering 2018, financial technology is facing new challenges, such as regulatory reshuffle, model difficulties, lack of scenarios, technical challenges, and innovation success. Mystery, in the face of the great changes in new finance, how will financial technology companies break through? With the continuous innovation and iteration of technology, finance has increasingly become a "testing field" for technology. Especially in terms of financial risk control, technology has become the core competitiveness. As technical barriers are gradually broken down, new outlets for smart finance may be formed, and financial intelligence will change. Unstoppable.
Jin Jilei, founder and CEO of Lieyun.com, said in his opening speech as the representative of the organizer that "smart transformation to new finance" has become a new mainstream trend in the financial industry. Some of the shortcomings of early Internet finance have been eliminated under the current financial technology. , will surely get a better solution. Technological changes and technological iterations have brought many surprises to the financial industry. Big data and artificial intelligence technologies have been widely used in risk control and anti-fraud. Blockchain technology, which is in its early stages, will also bring changes to this industry. Come to a greater breakthrough. Technology drives financial change and reshapes finance. At the same time, it drives industry competition to a new critical point and forms a new financial ecosystem.

Nie Xianzhu, deputy secretary-general of the China Association of Small and Medium Enterprises, attended the summit and delivered a speech, saying that in the traditional financial environment, it is actually very difficult for a disadvantaged group to integrate into the financial environment. With the emergence of new finance, this process has become simpler, allowing more people to enjoy financial services. In addition, to a certain extent, many small and medium-sized enterprises are "vulnerable groups".

Nie Xianzhu also said that currently, the development of small and medium-sized enterprises is restricted by many factors, the most important of which is the difficulty of financing and the high cost of financing. The introduction of various policies is also to "stabilize finance", prevent and resolve financial risks, and achieve deleveraging to better serve the real economy. Compared with the traditional financial system, new finance has the characteristics of wide coverage and a better understanding of small and medium-sized enterprises. It combines cutting-edge technologies such as the Internet, big data, blockchain, and biometrics to integrate them into products more suitable for small and medium-sized enterprises. Financing of small and medium-sized enterprises has made a contribution; at the same time, the emergence of new finance has also provided more new channels for financing of small and medium-sized enterprises.

Under the concept of smart new finance, for enterprises in the new financial field, those who have entered the industry are faced with difficulties and future development problems, while those who have not entered the industry are waiting for new entrepreneurial directions. As an excellent technology venture capital media, Lieyun.com relies on its platform advantages and venture capital resources to attract elites in the industry and many famous guests. In response to various questions in the industry, at this summit, the participating guests also expressed their opinions, starting from multiple perspectives such as risk control, standardization, innovation, and integration, and published under the reconstruction of "new technologies, new scenarios, and new ecology" expressed his own views on the innovation and development of financial technology.

Guests attending this summit include top experts and entrepreneurial elites, as well as technology geeks and investment experts. At the summit, Wang Ge, founding partner of investment giant Guoke Jiahe, and Liang Yu, partner of Creation Partners Capital, shared their views on the new development direction of financial technology from the perspective of investors; in addition, Jia Jing, partner of Delian Capital The four guests, Ouyang Qiwei, director of Broadband Capital, Yu Zhenbo, vice president of Huachuang Capital, and Zhao Nan, investment director of Fangsheng Fund, discussed investment and financing opportunities under financial changes.

Many guests from Internet securities, Internet insurance, wealth management and other fields gathered together to discuss the new changes and opportunities in the current intelligent new finance. Among them, four guests, Huang Xu, COO of Neutron Star Finance, Wu Wenxiong, co-founder of 91 Finance, Tian Liwen, a big data expert at Elephant Insurance, and Zhang Chun, CEO of Yongquan Financial Services, discussed the dilemma and rebirth of Internet finance.

Thinking about new ecology and new solutions

Some people say that financial technology is no longer what it used to be; others say that a new outlet for financial technology will be formed; what are the trends in smart finance? Next, will financial technology really subvert the traditional financial industry? Also worth pondering. The current environment of the Internet finance industry is not particularly good, but Internet finance should have a bright future, so how should we take this path? What should industry professionals do?
In this regard, at the summit, Wang Ge, the founding partner of Guoke Jiahe, shared the theme of "Cold Thoughts on Financial Technology: Dare to Ask Where the Way Is" and said that if Internet finance wants to have a bright future, we must first Get over the "survival hurdle" first. There are three main things that need to be done. First, as policy supervision becomes stricter, we must maintain healthy cash flow; second, we must control the pace of financing and accumulate food and grass in advance; third, we must be prepared for the long-term war of resistance, adjust our business models, and improve our own hematopoiesis. ability. In addition, in his view, the essence of finance is risk, and the financial industry is risk spread, so when talking about finance, we must first talk about risk.
Regarding risk control, Zhang Yu, vice president of Ronghui Jinke, believes that when big data risk control is applied in the real financial technology field, a deep collision may be appropriate. When customers have higher and higher requirements for business experience, how to use big data to improve financial technology and make it more enjoyable for customers? The trend of big data risk control applications has just come.arrive.

In addition, in Zhang Yu’s view, many relatively sensitive data have huge commercial value and can well help licensed financial institutions and financial technology improve risk control, accurately acquire customers, and help consumption Investors can obtain more convenient inclusive financial services, but how can these data be fully mined and refine greater risk control capabilities under the premise of compliance? There's still a lot to do here.
In addition to risk control, technological empowerment also provides more possibilities for the securities industry to establish a new ecosystem. When Chen Yu, director of Futu Securities, shared "How Internet securities occupy the traditional market with services", he said that technological means will continue to change the development pattern and business model of the securities industry in the past and in the future, that is, using massive data mining to accurately analyze user profiles and Marketing and value-added services to improve user experience. The brokerage business will become a very important entry point for competition in the Internet securities industry. The entire industry chain will begin to extend from traditional commission income to value-added services including wealth management, asset management, etc.

Explore new trends and new scenarios

The Internet securities industry after reconstructing the ecology is a new trend; and in the Internet insurance industry, health insurance will also become a part of this industry. big development trend.
The health insurance market, in terms of premium scale, is not the mainstream of insurance compared to traditional life insurance and property insurance. Health insurance is a purely protection-based product, but Xu Shuo, vice president of EasyCho and EasyE-Insurance, believes Health insurance should be China’s largest insurance development direction in the future. In my country's commercial health insurance market, demand is strong but it cannot develop. It still faces pain points such as weak channels, products, weak awareness of protection, and low people's trust in insurance companies. In response to these problems, Xu Shuo suggested to first conduct subtle market education for users, and then create accurate user portraits for the educated customers, mainly through three methods: accurate push, accurate pricing, and interactive optimization to promote the conversion of commercial health insurance.

In addition, Xu Shuo believes that insurance technology is an applied technology and does not require particularly sophisticated tools to serve insurance companies. We should not try to make subversive changes. The insurance industry is a very old industry. Companies have their own internal processes, and technology can solve many things, but if it goes too fast, insurance companies may be less receptive to technology.
Jin Zhuxiong, chief asset allocation analyst of Geshang Wealth, also agrees with Xu Shuo’s view. Jin Zhuxiong said that instead of trying to make disruptive changes, in the field of financial development, we still have to look at the essence of finance. , The essence of finance is to control risks. So how to balance crazy technology and rational finance? In Jin Zhuxiong's view, the output of technology is unlimited and financial risks have boundaries. They naturally have conflicts.

In addition, Jin Zhuxiong believes that artificial intelligence can improve the working experience of personnel in the entire financial industry.. Using big data, assets can be allocated to customers simply and quickly based on customer portraits and customer behaviors; using AI, labor costs in the financial industry will be greatly reduced in the future, and a fully intelligent financial platform will be formed. Maybe in the next three to five years, we will be discussing the future of financial practitioners under a fully intelligent financial platform.

Jin Zhuxiong also talked about how the non-standardized product experience will evolve under the new technology finance. He believes that this requires intelligent two-way matching between the wealth side and the asset side: the intelligence of identifying user models and tags Customer service, intelligent selection based on big data and algorithms, and qualitative analysis in artificial intelligence-assisted scenarios.
Not only in the field of private equity, but also in the field of commercial services, some new financial forces have also emerged. Kuang Jianfeng, co-founder and director of the Data Research Center of Haozhu, said at the summit that the emergence of many emerging financial companies in the past two years, especially technology and financial start-ups, has created a large number of demand for location selection and after-office services. But the financial sector has been one of the most affordable for years. Traditional financial companies are relatively concentrated, with complete supporting services and tall buildings in CBD, Financial Street and other places, but the corresponding prices are also very expensive. For technology and financial companies, they are usually small in scale and focus more on technology companies, and most of the players are entrepreneurs. This has led to this group of companies facing a situation where offices are relatively scattered, rental costs are relatively high, and talents may be unwilling to come. What Haozhi needs to do is to become a helper in the entire booming industry and play the role of delivering water to the "gold diggers".
In addition, Zhu Wei, co-founder and vice president of Tongdun Technology, delivered a speech on the theme of "AI Empowers Finance, Fintech Enters a New Era" and said that AI will have some core application scenarios in the financial field, including intelligent Risk control, intelligent customer service and intelligent investment advisory.

In Zhu Wei’s view, with the upgrade of underlying technology, including underlying computing power, cloud computing, data storage capabilities, as well as the influx of capital and policy support, AI has now entered the to the stage of implementation and large-scale application.

At the same time, Zhu Wei introduced that Tongdun Technology is based on artificial intelligence and big data, combining specific scenarios with upper-level specific industries and applications and problems solved in the industry to provide customers with data analysis services. capabilities, and proposed the concept of AaaS, intelligent analysis as a service. To solve the risk control problems caused by the gradual onlineization of financial services, revitalize existing customers and improve customer conversion rate.

Seize new technologies and new opportunities

Under the financial transformation, technology-empowered finance is accompanied by various opportunities. So where are the new opportunities in the financial technology industry? How can new technology and finance achieve better integration?
For Shen Peng, the founder of Shuidichou and Shuidihuzhu, Shuidi CompanyWe need to take a Chinese version of Kaiser Permanente. In Shen Peng's view, the biggest difficulty for Waterdrop is risk control. On the one hand, risk control requires offline verification and auditing. Public opinion monitoring based on social networks and the control of the entire risk control chain of social networks are also very important. Shuidichou uses blockchain technology and financial technology to develop its own patented risk control products. In addition, Shuidichou also uses communities and tools to increase user activity and stickiness.

The famous Kaiser Medical model in the United States has achieved the integration of patients, doctors, medical institutions, and insurance institutions; in comparison, China’s Internet medical model still lacks some hot spots, but on the other hand , also shows that there are still many opportunities in this industry.
The integration of technology and finance is both an opportunity and a challenge. Zong Jun, a partner at Creation Partners Capital, took Internet insurance as an example to examine the opportunities and challenges of the Internet insurance industry from an investment perspective. In his view, Internet insurance is not equal to insurance sold on the Internet, but must rely on Internet technologies such as big data, artificial intelligence, deep learning, and cloud computing, while using Internet thinking to achieve user orientation, product + service, and transformation. Passive low-frequency insurance behavior is active high-frequency behavior.

How to break through in the Internet insurance scene? Zong Jun believes that scenario-based insurance is not available in the original offline insurance. The original insurance is to launch a product, and this product is aimed at people across the country, while the scenarios of Internet insurance are fragmented and require precise orientation, in-depth focus and technology-driven .
When talking about technology, how can we miss the blockchain technology that is currently at the forefront. In terms of blockchain applications, TigerWitFintechCTORick said that his company applies blockchain technology to compliance technology. In view of the current lag in the supervision of enterprises by national regulatory agencies, the difficulty in verifying the authenticity of enterprise data, and the difficulty in obtaining evidence for conflicts between customers and enterprises, TigerWitFintech provides a solution using a blockchain model. The model uses authorization and Authentication mechanism introduces regulators into the network. Rick said that he hopes to use such a model to bring in brokers and regulators to leverage the value of blockchain for compliance supervision.

There is no doubt about the power of technology empowerment. Technology continues to make breakthroughs. While using technology to empower finance, entrepreneurs are also looking for ways for technology to empower supervision. Under the trend of smart change, technology and supervision can be realized. , and finance are more integrated to support the healthy development of the financial technology industry.

How can Internet finance be reborn?

Looking back at the once popular Internet finance, its development to today, some subdivisions are facing reshuffle, such as the online loan industry; some are experiencing momentum of development, such as Internet insurance, wealth Management etc. In the wheel of life, how will these companies reinvent themselves and be reborn?
For 2018 and onwardsRecently, the overall financial environment has shown a sluggish trend. Huang Xu, COO of Neutron Star Financial, said that in fact, there are still certain opportunities for companies that need to acquire customers. In other words, the demand is there, and so is the market. In addition, Neutron Star will also provide many value-added services such as financial and taxation training to increase customer stickiness.

Zhang Chun, CEO of Yongquan Financial Services Group, said that Yongquan Financial Services Group’s approach is to delve deeply into vertical industry supply chain finance, relying on core enterprises, as well as upstream suppliers of core enterprises, and downstream customers, through This chain is where customers are acquired. In addition, facing a large number of customers, Zhang Chun said that he should provide good customer service, build a good brand, and improve customer perception, so that he can better retain customers.

Wu Wenxiong, co-founder of 91 Finance, believes that in an environment where the financial environment is not prosperous and customer trust is low, financial technology companies must control their business to a certain scale and reduce risks in accordance with regulatory requirements. Reduce it to a minimum and don't spend energy on the user level.

Tian Liwen, a big data expert at Elephant Insurance, said that the situation of Internet insurance is very serious. The listing of insurance last year brought a climax period of development to Internet insurance. However, the current climax period has passed quickly. With big data, Technology such as artificial intelligence empowers insurance, but it is not particularly well established. It was originally expected to achieve qualitative change in one or two years, but now it seems that it may take three to five years. Elephant Insurance has always been engaged in the development and innovation of innovative insurance, striving to better interact with users through fun and small scenario-based insurance, satisfy users' risk protection, and promote users' purchase intention.

Investment and Financing Opportunities under Financial Change

In the process of self-change and breakthrough of enterprises, they often cannot do without the boost of capital. Now that financial technology is in a severe market environment, what other investment and financing opportunities exist with technological empowerment and financial changes?
In this regard, Delian Capital partner Jia Jing said that from the perspective of the financial and technology fields, one is the integration of finance and institutions, and the other is the combination of finance and technology. It may be cross-industry or has relatively strong expansion capabilities, and there may be some opportunities in these areas.

How should entrepreneurs respond to the severe investment and financing environment? Jia Jing said that one must be patient enough. She believes that now that we are in the deep water area, we need to integrate it deeply with our business, especially for companies with relatively large downstream funds.

Ouyang Qiwei, director of Broadband Capital, believes that the founder’s business development logic is also very important. Entrepreneurs need to weigh whether they want explosive growth or seek operational efficiency. Although capital pursues growth, the financial industry is a cyclical industry. Good or bad cannot be seen in one minute or two minutes, one month or two months, or even half a year.

Yu Zhenbo, Vice President of Hua Chuang Capital, believes that, although P2P has been popular recently, whether it is consumer credit or small and micro enterprise financing, it is still a very hot market. However, in such a market environment, as an enterprise itself, it is necessary to keep its own risk bottom line and whether it can stabilize itself from moral hazard and operational risks in accordance with relatively strict standards.

Faced with the current severe financing environment, Yu Zhenbo suggested that entrepreneurs should first have a good positioning on financing; secondly, they should enrich financing channels and raise funds from VC, banks, government and other channels. ; At the same time, you must maintain your enthusiasm for financing, constantly promote your business situation and strategic direction to the VC market, capital market and wealthy buyers, and make continuous investment.

Zhao Nan, investment director of Fangsheng Fund, said that if the project has not been able to raise money, or there has been no positive feedback from the market for a long time, entrepreneurs should lower their expectations. If expectations are not adjusted well, entrepreneurs will be unable to handle it and collapse more easily when something happens.

AD: On August 30, Lieyun.com’s 2018 “Smart + New Services” Enterprise Service Summit landed in Shanghai! Join hands with many industry pioneers to discuss new trends in the corporate service industry.

E. What are the differences between virtual currency, digital currency, cryptocurrency, token, and pass

1. Different definitions:

1. Virtual currency:

Virtual currency refers to non-real currency.

2. Digital currency:

Digital currency is an alternative currency in the form of electronic currency. Digital gold coins and cryptocurrency are both digital currencies (DIGICCY).

3. Cryptocurrency:

Cryptocurrency is a trading medium that uses cryptographic principles to ensure transaction security and control the creation of trading units.

4. Token (pass):

An item that is similar in shape and size to currency, but has a limited scope of use and has no currency effect. Its token is a token in English The homophony of Token.

2. Different characteristics:

1. Virtual currency:

Virtual currency is not a general equivalent, but an expression of relative value. In other words, it is a symbol of expression; it can also be said that virtual currency is personalized currency. In another way, it can also be called information currency.

2. Digital currency:

It is an unregulated, digital currency, usually issued and managed by developers, and accepted and used by members of specific virtual communities.

3. Cryptocurrency:

Cryptocurrency is based on a decentralized consensus mechanism, as opposed to the banking financial system that relies on a centralized regulatory system.

4. Tokens (tokens):

Usually required to be exchanged for money, used in stores, amusement parks, public transportation, etc., as vouchers to use services, exchange Items etc.

(5) Extended reading of Hive Planet pseudo-blockchain

At this stage, digital currency is more like As an investment product, due to the lack of a strong guarantee institution to maintain the stability of its price, its role as a measure of value has not yet emerged and it cannot serve as a means of payment. As an investment product, the development of digital currency is inseparable from trading platforms, operating companies and investments.

Digital currency is a double-edged sword. On the one hand, the blockchain technology it relies on is decentralized and can be used in other fields besides digital currency. This is why Bitcoin is so popular. One of the reasons; on the other hand, if digital currency is widely used by the public as a currency, it will have a huge impact on the effectiveness of monetary policy, financial infrastructure, financial markets, financial stability, etc.

F. Blockchain is very popular at present. What are the powerful large companies in China doing it?

IBM, Microsoft, Oracle, Ecenture, Tencent, Alibaba, JD.com, Internet Many large banks, including Ping An Bank, have also launched their own blockchain solution platforms or solutions. But it should be added that large companies do not mean strong technical strength, because blockchain is still in the conceptual hot stage around the world. It is very likely that there will be unicorn blockchain companies in the future, such as EOS in foreign countries, Honeycomb Chain of domestic Panrong Technology, etc. The efficiency of TPS and packaging into blocks may be much higher than that of large companies.