区块链信用平台,区块链的信用从何而来

近年来，随着区块链技术的发展，区块链信用平台也在不断发展壮大。区块链信用平台可以提供可靠、安全、可信的信用服务，为用户提供更加可靠的信用服务。那么，区块链的信用从何而来呢？

首先，区块链的信用来自于其本身的技术特性。区块链是一种分布式账本技术，它可以记录所有的交易历史，并可以在网络上实时共享，使得所有的参与者都可以查看到记录的信息，从而构建起一个可信的信用系统。

其次，区块链信用平台可以通过使用智能合约来构建信用体系。智能合约是一种可以在区块链上执行的代码，可以根据用户的行为来自动执行一系列操作，使得信用体系更加可靠和可信。

此外，区块链信用平台还可以通过使用共识机制来构建信用体系。共识机制是一种可以让所有参与者都能够达成一致的机制，能够有效地防止恶意行为，从而构建起一个可信的信用体系。

最后，区块链信用平台也可以通过使用分布式身份管理系统来构建信用体系。分布式身份管理系统可以提供可信的身份认证服务，从而使得用户可以更加可靠地认证自己的身份，从而构建起一个可信的信用体系。

总之，区块链的信用从多种技术特性中获得，其中包括：分布式账本技术、智能合约、共识机制以及分布式身份管理系统等。通过这些技术特性，区块链信用平台可以构建出一个可信的信用体系，为用户提供更加可靠的信用服务。

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⑴ What are the applications of blockchain in the industry?

Taking the tourism industry as an example, blockchain applications are mainly concentrated in travel, travel community reviews, digital identity management, and credit consumption. Application areas include management and tracking of pilots' professional certificates and qualifications, hotel and airline loyalty programs, reservation management, and consumption points management. In addition, with the development of blockchain, many related top domain names have been registered, which has had a relatively large impact on the domain name industry. In addition, blockchain also has applications in finance, games, entertainment and other fields.

⑵ Four core issues need to be solved for the implementation of blockchain. Interview with Chen Wei, President of the Investment Banking Center of Bank of Communications

As the concept of blockchain continues to heat up and this technology becomes increasingly popular mature, financial institutions including banks are also increasing their deployment and application in this field. The "Archaean - 2019 China Blockchain Financial Industry Research Report" points out that financial institutions' investment in blockchain is growing year by year. It is expected that by 2022, China's financial institutions' investment in blockchain technology will reach 9.27 billion yuan.

Chen Wei pointed out that the essence of asset securitization business is to replace the subject credit with asset credit, and with the help of blockchain technology, technological mutual trust can be achieved to replace institutional mutual trust. These two points make blockchain technology suitable The needs of asset securitization business scenarios. Based on this, Bank of Communications launched China's first blockchain asset securitization platform - "Chain Fusion". Chen Wei also said that blockchain technology will also play a positive role in promoting Shanghai's "Yangtze River Delta integration" and building an international asset management center.

The "efficiency + trust" problem needs to be solved

"China Business News": Although many banks have explored and researched blockchain, there have been few projects that have been implemented in the end. What do you think is the reason why blockchain technology is difficult to implement?

Chen Wei: Since blockchain mainly uses alliance chain technology, banks mainly face the following four problems when exploring the application of blockchain technology in specific business implementation:

The first one is safety. Commercial banks are important participants in the infrastructure construction of the entire financial system and have particularly high requirements for reliability and security. In the application of new technologies, safety requirements are the most important and must be met. Since the application of blockchain technology is still in the exploratory stage, this may affect the implementation of blockchain technology in specific businesses.

The second is efficiency. In a decentralized setting, all nodes need to reach a consensus and process the data, which takes a lot of time. Therefore, it is currently difficult to effectively balance business efficiency. Some traditional businesses of banks, such as payment, transfer, remittance and other business scenarios, have high requirements on time efficiency and data storage. Therefore, there are still certain difficulties in integrating blockchain technology with these business scenarios.

The third is cross-agency consensus. The alliance chain requires all parties in the alliance to reach an agreement and jointly promote the formation and expansion of the chain.Zhang, but in the process of actual business promotion, different institutions have great differences in their understanding of blockchain and their needs for alliance chains, and there is a certain degree of difficulty in coordination and promotion.

The fourth is economic cost. Blockchain applications require high technical development capabilities of banks and require a large amount of software and hardware resources. For example, alliance chains need to deploy nodes and form consensus algorithms and a series of services; banks need to invest a lot of human and financial resources in development. These inputs may not directly produce visible economic profits in the short term, and there will be an intertemporal mismatch of costs and benefits. Any financial institution, whether listed or not, will face the problem of current assessment, which creates a certain contradiction between the current nature of costs and the lag of income.

Of course, despite the existence of these four main contradictions, many banks are crossing the river by feeling the stones and constantly exploring. It can be said that in this regard, Bank of Communications has actively responded to the national call and is at the forefront of its peers in the application of blockchain technology, especially in the field of asset securitization, achieving many breakthroughs.

Chen Wei: The so-called efficiency is a matter of time, and trust is a matter of safety.

Regarding the efficiency issue, combined with the exploration and practice of Bank of Communications, it can be solved in the following three ways: first, through the automation of smart contracts on the chain, to improve the efficiency of business processes; second, , research high-performance public chain technology to meet the computing and storage capabilities in the case of concurrent transactions; third, with the help of cloud computing, use the storage capabilities of the cloud to improve efficiency and reduce economic costs.

Regarding the issue of trust, there are three main ways to solve it: First, reach a consensus before going on the chain. Participants must sign an agreement to express their agreement before going on the chain to avoid problems due to failure to reach a consensus during the business development process. This leads to reduced efficiency and difficulty in implementation; secondly, digital signature and asymmetric encryption technology are used to encrypt the data before uploading it to the chain to ensure that only authorized parties can see the data and achieve control of data permissions; thirdly, Blockchain technology uses distributed ledgers to ensure that data cannot be tampered with and can also be traced to ensure that all participants maintain a high degree of trust in the data on the chain.

Promoting the "integration" of assets and funds in the Yangtze River Delta

"China Business News": What are the characteristics and highlights of Bank of Communications in exploring blockchain scenarios?

Chen Wei: There are many discussions about blockchain usage scenarios in the current market. In terms of blockchain empowering finance, asset securitization business is one of the most suitable scenarios. Based on its practical exploration and first-mover advantage in the asset securitization market, Bank of Communications has been trying to explore the application of blockchain in asset securitization business scenarios since 2016, and officially released the first domestic blockchain asset securitization in 2018. Platform - "Chain Fusion". The platform has obtained two technology patents - "A smart contract-based cross-agency process solution" and "Smart contract-based Fabric Blockchain Management Plan", and won the 2018 Shanghai Financial Innovation Achievement Award issued by the Shanghai Municipal Government, the "Chinese Banker" Top Ten Blockchain Application Innovation Award and other awards.

There are many participating institutions in the asset securitization business, the issuance cycle is long, and the transaction structure is also relatively complex. How to carry out the business more efficiently requires solving the problem of information asymmetry. Blockchain technology has the four characteristics of decentralization, transparency, sharing, and non-tampering, which means that blockchain technology can achieve a perfect combination with asset securitization.

From the perspective of the business itself, the essence of asset securitization business is to replace subject credit with asset credit; at the same time, with the help of blockchain technology, technological mutual trust can be achieved to replace institutional mutual trust. These two points make the blockchain Chain technology and asset securitization business can fit perfectly. Blockchain technology can make all data information in the system open, transparent, non-tamperable, and non-forgery without the need for third-party endorsement, and it can also trace the information.

"China Business News": In practice, how does blockchain technology empower asset securitization business?

Chen Wei: On the "Chain Fusion" platform, with the help of blockchain technology, underlying assets and due diligence reports and other information are permanently stored on the chain through digital fingerprints. With the help of the transparency and transparency of the blockchain, Features such as sharing and non-tampering solve the problem of mutual trust among the many participants in the asset securitization business and achieve credit penetration; encryption protection of files on the chain is achieved through some algorithms, effectively mitigating the risk of information leakage.

At the same time, the application of blockchain technology also reduces some maintenance costs and system operation pressure. Since the issuance of Asia’s first blockchain technology-enabled credit asset securitization project, “Jiaoying 2018 First Phase Personal Housing Mortgage Asset-Backed Securities,” Bank of Communications has issued approximately seven or eight Projects worth tens of billions of yuan. We have also been committed to promoting more high-quality originating institutions, professional investors and other asset securitization ecosystem users such as Guodian Electric Power to join the chain.

"Chain Fusion" is the incubation result of the "Financial Innovation Joint Laboratory" and the product of the joint linkage between the front, middle and back offices of Bank of Communications. In the early stage of research and development, the business department took the lead in the entire project based on market sensitivity, and the middle and back-end departments collaborated. After blockchain technology is put into use, we continue to keep pace with the times and iteratively upgrade the system.

In addition to the internal collaboration of Bank of Communications for research and development, Bank of Communications also took the lead in establishing the asset securitization business ecosystem - the "Lujiazui Asset Securitization Alliance", and through cooperation with peer institutions, jointly cultivate and Developing the ecosystem system is also a manifestation of Bank of Communications' social responsibility and realization of social value.

"China Business News": In addition to empowering banks' specific businesses, what help can blockchain technology provide to banks in participating in the "Yangtze River Delta Integration" and serving Shanghai in building an international asset management center?help?

Chen Wei: The application of blockchain technology in asset securitization business scenarios actually shortens the information distance between asset holders and fund holders, and also breaks the boundaries of administrative divisions. With the help of blockchain technology, various participants in the "Chain Fusion" platform reach asset consensus and price consensus. For example, assets in Shanghai can be connected to funds in Jiangsu, which to some extent promotes the development of assets in the Yangtze River Delta region. and the “in-city integration” of funds.

At the same time, blockchain technology can also provide certain help to Shanghai in building an international asset management center. Building an international asset management center means attracting a large amount of overseas funds or fund management institutions to Shanghai. Only by providing a wealth of high-quality assets to choose from can overseas funds or institutions be retained. The asset securitization business has developed relatively maturely and has a large scale in the international market. In contrast, the asset securitization business is still in the development stage in China. As China continues to open up to the outside world, more and more foreign capital will enter China to invest in some high-quality domestic assets in the future, and the "chain integration" platform may play a more important role.

Generally speaking, blockchain technology is closely related to strategic issues such as Shanghai’s Yangtze River Delta integration construction, free trade zone construction, and the construction of a global financial technology center and asset management center, and will also Make new and greater contributions to serving the national strategy.

Source: China Business Network

⑶ Application aspects of blockchain

The main application scope of blockchain includes: transaction settlement of digital currency and financial assets , digital government affairs, certificate storage and anti-counterfeiting data services and other fields. Blockchain is a database technology that links data blocks in an orderly manner. Each block is responsible for recording a file data and encrypting it to ensure that the data cannot be modified or forged.

Blockchain is essentially a distributed database system that uses cryptography technology for multi-party participation, joint maintenance, and continuous growth. It is also called a distributed shared ledger. Each page in the shared ledger is a block, and each block is filled with transaction records. The anonymity, decentralization, openness, transparency, and non-tamperability of blockchain technology make it highly favored by enterprises and has gained More extensive application attempts.

Blockchain application scope 1. Financial field

Blockchain can provide a trust mechanism and has the potential to change the financial infrastructure. Various financial assets such as equity, bonds, bills, warehouse receipts, fund shares, etc. It can be integrated into the blockchain technology system and become a digital asset on the chain, which can be stored, transferred and traded on the blockchain.

The decentralization of blockchain technology can reduce transaction costs and make financial transactions more convenient, intuitive and secure. The combination of blockchain technology and the financial industry will inevitably create more and more business models, service scenarios, business processes and financial products, thereby bringing more impact to the development of financial markets, financial institutions, financial services and financial formats. . With the improvement of blockchain technology and the interaction between blockchain technology and other financialWith the combination of financial technology, blockchain technology will gradually adapt to the application of large-scale financial scenarios.

2. Public service field

Traditional public services rely on limited data dimensions, and the information obtained may not be comprehensive enough and have a certain lag. The non-tamperable nature of the blockchain makes the digital certification on the chain highly credible. It can be used to establish new authentication mechanisms in the fields of property rights, notarization and public welfare, and improve the management level of public services.

Relevant information in the public welfare process, such as donation projects, fundraising details, fund flows, recipient feedback, etc., can be stored on the blockchain to meet the privacy protection of project participants and other relevant laws and regulations. Under the premise of requirements, public disclosure will be made conditionally to facilitate public and social supervision.

3. Information security field

Using the traceability and non-tampering characteristics of blockchain, we can ensure the authenticity of data sources and ensure the non-forgery of data. Blockchain technology will fundamentally change information Security issues of the propagation path.

Blockchain is reflected in the following three points in the field of information security:

User identity authentication protects data integrity and effectively prevents DDoS attacks

The distributed storage architecture of blockchain will make Hackers are at a loss as to what to do. Some companies have begun to develop a distributed Internet domain name system based on blockchain to eliminate the root cause of the current DNS registration shortcomings and make the network system cleaner and more transparent.

4. Internet of Things field

Blockchain + Internet of Things can allow each device on the Internet of Things to operate independently, and the information generated by the entire network can be protected through smart contracts in the blockchain.

Security: Traditional IoT devices are highly vulnerable to attacks, data loss and maintenance costs are high. Typical information security risk issues for IoT devices include low firmware versions, lack of security patches, permission loopholes, too many device network ports, and unencrypted information transmission. The blockchain's consensus mechanism for network-wide node verification, asymmetric encryption technology and distributed data storage will significantly reduce the risk of hacker attacks.

Trustability: The traditional Internet of Things is managed and controlled by a centralized cloud server. Due to the security of the device and the opacity of the centralized server, it is difficult to effectively protect user privacy data. The blockchain is a distributed account book. Each block is interconnected and has its own independent working ability, ensuring that the information on the chain will not be tampered with at will. Distributed ledgers can therefore provide trust, ownership records, transparency and communication support for the Internet of Things.

Effectiveness: Limited by cloud services and maintenance costs, the Internet of Things is difficult to achieve large-scale commercial use. The traditional Internet of Things realizes communication between things through centralized cloud servers. The disadvantage of this model is that as the number of access devices increases, the server faces more load, requiring enterprises to invest a lot of money to maintain the normal operation of the IoT system.

Blockchain technology can directly realize point-to-point transactions, omitting the labor expenditure of other intermediaries or personnel, which can effectively reduce the costs incurred by third-party services and maximize benefits..

5. Supply chain field

The supply chain consists of many participating entities, with a large amount of interaction and collaboration. Information is discretely stored in their own systems, lacking transparency. The lack of smooth information makes it difficult for various participating entities to accurately understand the real-time status and existing problems of related matters, affecting the collaborative efficiency of the supply chain. When disputes arise between parties, it is time-consuming and laborious to provide evidence and pursue accountability.

Blockchain can make data open and transparent among various entities, thereby forming a complete, smooth, and non-tamperable information flow throughout the entire supply chain. This can ensure that all entities promptly discover problems arising during the operation of the supply chain system and find targeted solutions, thus improving the overall efficiency of supply chain management.

6. Automotive Industry

Last year announced a partnership using blockchain to build a proof of concept to streamline the car rental process and build it into a “click, sign up, and drive” process. Future customers choose what they want The rented car enters the public ledger of the blockchain; then, sitting in the driver's seat, the customer signs the rental agreement and insurance policy, and the blockchain updates the information simultaneously. This is not an imagination, for car sales and car registration Said, this type of process may also develop into reality.

7. Stock Trading

For many years, many companies have worked to make the process of buying, selling, and trading stocks easy. Emerging Blockchain Chain startups believe that blockchain technology can make this process more secure and automated than any previous solution. At the same time, blockchain startup Chain is working with Nasdaq to enable private companies through blockchain. Equity transfer

8. Government management

Government information, project bidding and other information are open and transparent. Government work is usually subject to public attention and supervision. Since blockchain technology can ensure the transparency and immutability of information, it is very important to the government. The implementation of transparent management plays a great role. There is a certain degree of information opacity in government project bidding, and enterprises also have the risk of information leakage during the sealed bidding process. Blockchain can ensure that bidding information cannot be tampered with and can ensure the transparency of information nature, forming a common trust among competitors who do not trust each other. It can also arrange subsequent smart contracts through the blockchain to ensure the construction progress of the project and prevent the growth of corruption to a certain extent.

There are many more applications of blockchain technology, and this is just a fulcrum of blockchain applications. In the future, blockchain technology will be applied everywhere

⑷ Blockchain certificates are How to apply

In order to meet the people’s growing demand for litigation services in the process of regional coordinated development in Sichuan and Chongqing, our blockchain evidence storage technology will be used for cross-domain filing and petition filing in Sichuan and Chongqing. It plays a series of roles such as evidence storage, certification, and evidence collection in various cooperations such as control, online litigation, and joint meetings, making long-distance and contactless cooperation more standardized, convenient, and efficient. To achieve universal benefit and equality for the Sichuan and Chongqing High Court , convenient, efficient, intelligent and accurate litigation services to provide assistance.

A brief introduction to blockchain certificate storageThe application of "Shimai" trusted electronic evidence platform

Shimai's trusted electronic evidence platform cooperates with judicial appraisal institutions, notary offices, arbitration institutions, Internet courts, etc. to realize on-chain evidence storage , on-chain evidence collection and on-chain evidence issuance, reduce the cost of electronic data evidence preservation, facilitate electronic data collection and evidence identification, and improve litigation efficiency in the field of judicial evidence preservation.

At present, "real hammer" is credible The evidence traceability model of the electronic evidence platform has been recognized by many courts in Beijing, Xiamen, Guangzhou, Shenzhen, etc., and some banks and state-owned enterprises have begun to adopt the "real hammer" trusted electronic evidence platform.

⑸ Multiple types of data are shared on the "chain", online and offline services are coordinated, and blockchain government affairs make things easier

What kind of sparks will "blockchain + government affairs" collide with? Mawei, Fuzhou City, Fujian Province Xingang Community uses blockchain technology to solve the pain points of government informatization and launches the "Blockchain + Community Certificate" application. "This application easily enables the electronic issuance of certificates required by enterprises and people to serve, and promotes 'reduction of certificates' to 'no certificates'" It proves that the transformation has allowed the data to run instead of the masses, improving work efficiency and serving the masses better. "Ms. Zhu, a citizen of Fuzhou, said.

Provident funds can be transferred to other places for renewal

"Post-90s generation" Chen Jing joined a new company at the end of last year, and her work location changed from Hangzhou, Zhejiang to Chengdu, Sichuan. How to transfer the previously accumulated housing provident fund to a new account after changing the workplace? After consultation, Chen Jing learned that by searching for the "National Housing Provident Fund" applet on her mobile phone, she can 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" mini program 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 mini program by deepening the application of new technologies such as blockchain to ensure the security of depositors' information and funds. 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. .

Multiple types of data are shared on the "chain", online and offline services are coordinated, and the use of blockchain technology has improved the efficiency of government departments and the satisfaction of the people. For example, Haidian District in Beijing has launched the Haidiantong APP A "Blockchain Zone" has been opened to directly handle public rental housing subsidies, Haidian District high-tech talent training subsidy approval and other matters...With the application of new technologies such as blockchain, many government services have been "one-stop, all-in-one online" .

In addition, Zhuzhou City in Hunan Province has also innovated the administrative approval service method and launched the electronic license blockchain application scenario to effectively improve the level of government data sharing and business collaboration efficiency; Fuzhou City has launched the "Rongcheng on the Chain" plan to develop e-government and financial technology Explore the use of blockchain technology in four areas including social governance, people's livelihood security and so on.

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 an Electronic Platform for Imported Dry Bulk Cargo Entry and Port Business Based on Blockchain" in June, proposing to promote the in-depth integration and development of blockchain technology and the transportation industry.

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 is establishing a trustworthy and secureIt plays a role in promoting 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.

⑹ What are the application scenarios of blockchain?

I have seen a lot of information about blockchain on the soon-to-be-launched blockchain. Blockchain will make the information Internet more valuable. With the transformation of the Internet, Kuaishang Online has accumulated a lot of experience in these technologies and has made great efforts in Internet finance. Go online soon. Through research, it is concluded that blockchain will greatly improve the current life scenes. In which scenarios blockchain can be applied, I will list some answers here for reference only:

1. Information anti-counterfeiting

2. Food safety issues

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3. Information Security

1. Identity Protection

2. Data Integrity Protection

3. Critical Infrastructure Protection

IV. Financial industry

1. Digital currency: improve the convenience of currency issuance and use

2. Cross-border payment and settlement: realize point-to-point transactions and reduce middlemen Fees

3. Bills and supply chain finance business: reduce human intervention, reduce costs and operational risks

4. Securities issuance and trading: achieve quasi-real-time asset transfer and accelerate transaction clearing speed

5. Customer credit reporting and anti-fraud: reduce legal compliance costs and prevent financial crimes

6. Equity crowdfunding: Equity crowdfunding based on blockchain technology Fundraising can achieve decentralized trust and investors’ returns are guaranteed.

5. Bu Tuanzhu Supply Chain Management

6. Government Affairs Management

1. Elections

2. Government Services