银行区块链平台是什么意思,银行区块链平台是什么

银行区块链平台是指采用区块链技术的银行系统。区块链技术是一种分布式账本技术，它具有去中心化，不可篡改，安全可靠等特点。

银行区块链平台的核心是“共识机制”，它能够有效保证数据的安全性和完整性，使得数据在多方之间能够实现安全交换和共享。因此，银行区块链平台能够有效提高金融服务的安全性，并且实现了跨银行的资金流通，使得金融服务更加便捷。

此外，银行区块链平台还能够有效提高金融服务的效率。采用共识机制和去中心化的特点，使得金融服务的交易过程可以更快的完成，而且可以更有效的防止金融犯罪的发生。

总之，银行区块链平台是一种采用区块链技术的金融服务系统，它能够有效提高金融服务的安全性和效率，为金融服务提供了更多的便利。因此，银行区块链平台是一项重要的金融技术创新，它将为金融服务的发展带来新的变化。

A. Where are the core advantages of the bank confirmation blockchain service platform?

In recent years, financial fraud, accountant audit failures and other risk events have occurred from time to time in the capital market. It has brought legal risks and reputation risks to commercial banks, and has attracted great attention from the leaders of the State Council.

On December 18, the "Bank Confirmation Blockchain Service Platform" was officially released. This platform provides a platform for the China Banking Association and the Chinese Institute of Certified Public Accountants to actively implement the "About Further Standardizing Bank Confirmation and Reply Work" "Notice" and other documents require that it be launched to study and promote the digital construction of letter confirmation and improve the standardization level of letter letter business, which is of great significance.

“We hope that in the future, the bank confirmation blockchain service platform can play a role in preventing and resolving risks, promote the improvement of the quality and efficiency of confirmation, and strive to build a demonstrative digital platform with high security, strong public welfare, convenience and efficiency, Make due contributions to improving the construction of the social credit system and strengthening financial services to the real economy." Liu Fushou, chief lawyer of the China Banking and Insurance Regulatory Commission, said at the press conference.

Pan Guangwei, full-time vice president of the China Banking Association, said that in the future, the China Banking Association will work with relevant institutions to promote the direction of the confirmation business towards intensified operation management, electronic paths, standardized business processes, and refined data governance. The direction is transformation and upgrading, improving the quality of accounting information and audit quality and efficiency, promoting the construction of the social credit system, and assisting the high-quality development of the banking industry.

Three core advantages

Bank confirmation and reply letter are the CPA's direct confirmation to banking financial institutions after obtaining authorization from the audited unit during the audit process. Letter to inquire about the authenticity of the audited unit’s bank deposits, bank loans, guarantees, financial management and other information, and the process of the bank inquiring, verifying relevant information and providing a reply letter.

Pan Guangwei introduced that confirmation is one of the core procedures of independent auditing and is crucial to identifying errors and fraud in financial statements. For the entire financial market, confirmation work is related to the quality and efficiency of audit work, the quality of accounting information, and the authenticity of capital market data, and is crucial to preventing financial risks.

“The bank confirmation blockchain service platform adheres to the authoritative, impartial and public welfare construction concepts, and the construction ideas follow the principles of marketization, openness and progressiveness, and gradually promotes Bank confirmation is transforming and developing in the direction of intensification, electronicization, standardization and refinement, and has core advantages in three aspects." Pan Guangwei said.

The first is in terms of platform target positioning. The platform has changed the offline scattered correspondence and reply model to online centralized processing, which can complete the entire process of bank correspondence application, authorization, sending, and reply online, speed up the efficiency of correspondence processing, and effectively solve the traditional paper-based problem. It eliminates various shortcomings of the quality assurance model, reduces the degree of manual intervention of accounting firms, banks, audited entities and other related parties, strengthens risk management and control, and reduces the risk of data errors and fraud.

The second is in terms of platform security. The platform only retains the information on the confirmation transmission process, but does not retain the confirmation data information. It pays attention to the isolation and confidentiality of information.Ensure bank and office data security. The platform has a financial-level security protection environment and can achieve safe operation of the system 24/7.

The third is in terms of platform technical support. The platform chooses "ICBC Xi Chain" as the underlying blockchain technology. ICBC Xi Chain not only has significant technical advantages, but also has completely independent intellectual property rights. It has passed the authoritative certification of trusted blockchain by the Ministry of Industry and Information Technology and has multiple mature application projects. .

100 banks have applied for access

At the press conference, Pan Guangwei also introduced that after confirming that the bank confirmation platform uses blockchain as the underlying technology, the working group A number of technology companies with blockchain technology and scenario applications conducted on-site exchanges one by one. After expert evaluation, they selected blockchain technology that is autonomous, controllable, safe and reliable, and has more advantages in business connection, post-operation and maintenance, etc. Silver Technology serves as the project contractor.

It is understood that, as the underlying blockchain technology, "ICBC Xian Chain" participated in the trusted blockchain evaluation of the China Academy of Information and Communications Technology in both 2019 and 2020, and passed the function, It is the first blockchain product in the financial industry to be certified by an official authoritative evaluation agency.

“With the strong support of ICBC and ICBC Technology, we have worked overtime and concentrated on solving problems. The system development work was officially completed on October 26, and joint debugging tests are being carried out with a number of banks and accounting firms. Currently, 100 banks and dozens of accounting firms have clearly signed up to apply for access to the platform. We will actively connect with banks and accounting firms that plan to access the platform, and provide solutions and conduct training according to the needs of all parties," said Pan Guangwei. .

ICBC Vice President Zhang Wenwu said at the press conference that ICBC has always focused on the quality of bank confirmation work, and ICBC Technology has further innovated and improved on the basis of ICBC’s original correspondence e-letter. , went all out to build the platform, and put the platform into production as scheduled. "We will take the signing of the cooperation agreement as an opportunity to actively cooperate with the construction of the platform as the first batch of banks, promote the interconnection between the e-confirmation and the platform, and fully support the use of the platform based on the practice of centralized confirmation at the bank end."

At the press conference, Liu Fushou also said that it is necessary to promote the construction of the confirmation platform in a safe and orderly manner, adhere to safety, prudence, and controllable risks, adhere to pilots first, steadily advance, and adhere to dynamic adjustments and continuous improvement.

B. What is blockchain

Blockchain is a new application model of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. Blockchain is an important concept of Bitcoin. It is essentially a decentralized database.

At the same time, as the underlying technology of Bitcoin, it is a series of data blocks generated using cryptographic methods. Each data block contains a batch of Bitcoin network transaction information, which is used to verify its Validity of information (anti-counterfeiting) and generation of the next block.

The original English version of the Bitcoin white paper does not actuallyWhere the word blockchain appears, chain of blocks is used instead. In the earliest Chinese translation of the Bitcoin white paper, chain of blocks was translated into blockchain. This is the earliest time when the Chinese word "blockchain" appeared.

(2) What is the bank blockchain platform? Extended reading

Block Application of blockchain:

Blockchain has potential huge application value in financial fields such as international exchange, letters of credit, equity registration and stock exchanges. The application of blockchain technology in the financial industry can eliminate the need for third-party intermediaries and achieve direct point-to-point connection, thereby greatly reducing costs and quickly completing transaction payments.

For example, Visa launched Visa B2B Connect based on blockchain technology, which can provide institutions with a lower-cost, faster and safer cross-border payment method to process business-to-business transactions worldwide. .

Be aware that traditional cross-border payments require 3-5 days of waiting and a 1-3% transaction fee. Visa also launched the first Bitcoin debit card in conjunction with Coinbase, and Citibank is testing the cryptocurrency Citicoin on the blockchain.

C. What is Blockchain

Blockchain is the underlying technology of Bitcoin. It is like a database ledger that records all transaction records. This technology has gradually attracted the attention of the banking and financial industries because of its safety and convenience.

D. What is the blockchain BaaS platform

As blockchain technology continues to be applied in the physical field, more and more technology companies have proposed their own underlying technology frameworks, and Industry solutions in vertical fields,
The English name of the BaaS platform is Blockchain as a Service, and the direct translation is Blockchain as a Service, referred to as BaaS. In fact, BaaS is a new type of cloud service that combines blockchain technology, which refers to embedding the blockchain framework into the cloud computing platform.
Blockchain as a Service BaaS is a space created by companies such as Microsoft and IBM from their own cloud service networks to run a certain blockchain node. Compared with ordinary nodes and exchange nodes, the main purpose of BaaS nodes is to quickly establish the development environment you need and provide a series of operational services such as blockchain-based search queries, transaction submissions, and data analysis. These services can both It is centralized or decentralized, and is used to help developers verify their concepts and models faster. The serviceability of BaaS nodes is reflected in: stronger tools, making it easier to create, deploy, run and monitor blockchains.
Main technical features include:
Fast service construction: multi-modeA distributed ledger platform that facilitates the rapid construction of services;
Visual operation and maintenance management: Provides visual operation and maintenance management from the network, system, and business levels;
Comprehensive supervision and audit: Provides comprehensive monitoring and audit support to meet the needs of Business compliance requirements;
Smart contract management: supports programmable contract development and provides standardized contract templates;
Blockchain as a service: provides configurable enterprise-level blockchain for various industry fields Cloud services;

The BaaS platform has the characteristics of easy access, high availability, efficiency and stability, security and reliability, high compatibility, personalized customization, and intelligent operation and maintenance. Currently, the blockchain service platform Baas has supported the implementation of multiple blockchain products and projects, such as commodity traceability systems, genealogy chains, etc.
The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only approved "Blockchain Technology Professional" pilot of the "Smart Learning Workshop 2020- Xueshuo Innovation Workstation" launched by the School Planning, Construction and Development Center of the Ministry of Education of China. workstation. The professional base is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

E. Popular explanation of what blockchain is

Question 1: What is blockchain? Can you explain the principle of 10-point blockchain in plain language: Go Centralized distributed accounting system
The core of blockchain technology is that all currently participating nodes jointly maintain transactions and databases. It makes transactions based on cryptographic principles rather than trust, so that any two parties who reach an agreement can Conduct payment transactions directly without the involvement of a third party.
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Technically speaking, a block is a data structure that records transactions, reflecting the flow of funds for a transaction. The blocks of transactions that have been reached in the system are connected together to form a main chain, and all nodes participating in the calculation record the main chain or part of the main chain. A block contains the following three parts: transaction information, hash hash formed by the previous block, and random number. Transaction information is the task data carried by the block, specifically including the private keys of both parties to the transaction, the number of transactions, the digital signature of electronic currency, etc.; the hash formed by the previous block is used to connect the blocks to realize the past The order of transactions; random numbers are the core of transaction completion. All miner nodes compete to calculate the answer to the random number. The node that gets the answer the fastest generates a new block and broadcasts it to all nodes for update, thus completing a transaction.
1.1 What is Blockchain
Blockchain (BlockChain) refers to a technical solution that collectively maintains a reliable database through decentralization and trustlessness. This technical solution mainly allows any number of nodes participating in the system to associate and generate a series of data blocks (blocks) using cryptographic methods. Each data block contains all the information exchange data of the system within a certain period of time.And generate data fingerprints to verify the validity of its information and chain the next database block.
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In layman’s terms, blockchain technology refers to a way for all people to participate in accounting. Behind all systems there is a database, which is a big ledger. Then who will keep this ledger becomes very important. At present, it is whoever owns the system who keeps the accounts. Each bank’s account books are kept by each bank, and Alipay’s account books are kept by Alibaba. But now in the blockchain system, everyone in the system has the opportunity to participate in accounting. If there are new transaction data changes within a certain period of time, everyone in the system can do accounting. The system will judge the person who has the fastest and best accounting during this period, write the recorded content to the ledger, and Send the contents of the ledger during this period to all other people in the system for backup. In this way, everyone in the system has a complete ledger. Therefore, this data becomes very safe. A tamperer needs to modify more than half of the system node data at the same time to truly tamper with the data. Such tampering would be extremely costly, making it nearly impossible. For example, Bitcoin has been running for more than 7 years. Countless hackers around the world have tried to attack Bitcoin, but so far there have been no transaction errors. It can be considered that the Bitcoin blockchain has been proven to be a safe and reliable system.
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1.2 Why is there blockchain innovation?
Human beings need to communicate during their activities, and communication is based on information. In the past, information circulation was not convenient enough to satisfy market participants. There is a demand for information, so intermediaries and centers are born. This centralized system has problems such as high cost, low efficiency, value dispersion, "information islands" and insecure data storage. However, due to technical and environmental factors, this system continued to operate for many years until the emergence of the Internet. The starting point of the first generation of the Internet is the TCP/IP protocol, which is an open code that implements a unified format for peer-to-peer transmission of information by all nodes on the network, and brings the basic values ​​of freedom and equality required by a global unified market into programmed, protocol-based, and reliably Execution. The Internet eliminates low-value, high-cost intermediate chains and achieves low-cost and high-efficiency global information transmission in a decentralized manner.
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However, the first generation of the Internet did not solve the problem of information credibility. Activities that can be decentralized on the Internet must be activities that do not require credit endorsement, and activities that require credit guarantee must be activities involving centralized third-party intermediaries. Therefore, Internet technology that cannot establish global credit has encountered great obstacles in its progress - people cannot participate in any value exchange activities on the Internet in a decentralized manner. To realize value exchange, people still need third-party intermediaries based on credit (such as banks, clearing agencies, exchanges). The global centralized credit system still has problems such as high operating costs, low efficiency, and vulnerability to attacks and damage. For example, the fiat currencies of various countries have different credit values, and their settlement systems are also incompatible.Global trade adds significant costs.
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Therefore, what the second generation Internet must break through is: how to establish global credit in a decentralized manner? Let...>>

Question 2: What is blockchain? What does it mean in layman’s terms? What is China’s attitude towards blockchain? What can blockchain do? Blockchain, a great technology that accompanied the birth of Bitcoin, is currently being used in the financial field to significantly reduce transaction costs and improve efficiency, which is enough to excite Wall Street. However, this is just the tip of the iceberg. Its potential applications are very broad and will subvert every aspect of our lives in the future.
Blockchain is an important concept of Bitcoin. It is essentially a decentralized database and serves as the underlying technology of Bitcoin. One of the most basic characteristics of Bitcoin is decentralization. In recent months, financial giants have gradually begun to pay attention to Bitcoin's technology and used it in non-monetary fields, such as stock trading, election voting, etc. (1) Art Industry
Artists can use blockchain technology to declare ownership and issue numberable, 100% edition works in digital form for any type of artwork. It even includes a marketplace where artists can buy and sell through their website without the need for any intermediary services.
(2), Real estate industry
Use blockchain technology to solve various problems faced by everyone involved in real estate, including the naming process, land registration, agency intermediaries, etc.
(3), Insurance Industry
The financial industry has always been the most sensitive to advanced technology. Traditional banking and securities industry giants have been involved in the booming blockchain venture capital investment since 2014, with total global investment reaching US$1 billion within two years.
(4) P2P wallet
Personal assets can be traded through this P2P wallet in the future without going through any central institution, such as Bitcoin.
Most blockchains are in their infancy, mainly overseas. There are very few good domestic blockchain projects, so it is not recommended for any non-professionals to invest in blockchain projects. If you are very interested in blockchain technology and have a technical or financial background, it is recommended that you consider starting a business in this area. In terms of the blockchain protocol system, the lowest layer is the underlying technology of the blockchain, including the technical protocols of the blockchain, as well as some platform routing and basic algorithms; in the middle layer, some application interfaces and some credentials must be solved Issuance and verification, including some industry platform services, big data analysis, etc. This is a very rough classification, and there should be more detailed classifications; the top ones are some applications of blockchain, including finance Some applications and some applications in other aspects, the Internet of Things and so on.
BubbyIntroduction to Blockchain
Bubi Blockchain has been focusing on the R&D and innovation of blockchain technology and products since its establishment. It has a number of core technologies and has achieved substantial innovations in many aspects, forming many Core technological achievements, such as mathematically provable distributed consensus technology, fast large-scale ledger access technology, multi-chain general ledger technology that supports business expansion, interconnection technology between heterogeneous blockchains, etc. On April 25, "Gege Points" introduced the concept of blockchain into the points system, jointly opened it up with multiple parties, issued and redeemed points, and promoted the circulation of points. Each cooperative institution can jointly participate in transaction verification, ledger storage, and real-time settlement; the third-party payment platform of the enterprise points issuer makes the entry and exit of points more flexible. Bubi has developed its own basic blockchain service platform, which has been applied in equity, supply chain, points, credit and other fields. Bubi has been committed to building an open value circulation network with decentralized trust as the core, allowing digital assets to flow freely.
A simple understanding of blockchain is a technology at the bottom of Bitcoin, which is also a peer-to-peer electronic cash system that can realize peer-to-peer value delivery. We should distinguish between Bitcoin, Bitcoin blockchain, blockchain and blockchain. Blockchain technology and other concepts. In countries with relatively developed finance in the past, finance and blockchain technology have a long history, and the legislation of digital currencies and blockchain networks is also very important. With the advent of the financial era, large financial institutions are studying blockchain technology. They have their own teams and conceptual technologies. Slowly, banks in various regions are also participating in digital currency discussions. The application and support of this technology are not only that. The influence of blockchain on enterprises is also huge. For larger domestic enterprises, Bubi Blockchain is also used in various equity, supply chain, points and other fields. Major domestic financial institutions and enterprises have taken a fancy to the new industry. value, they have developed their own blockchain platforms, and blockchain has instantly become a new innovative industry in China. In terms of overseas internationalization, the United States has already obtained 15 blockchain patents at the end of last year compared to China. Blockchain financial applications are entering a new stage in an all-round way. Various applications will become more and more in-depth, and related changes will also become more and more profound. It has attracted more and more attention and will form a huge new trend... >>

Question 3: What is blockchain technology? What exactly is blockchain? What is blockchain? 1. Data blockchain is an important concept in the Bitcoin financial system. It records transaction record data on the entire Bitcoin network, and these data are shared by all Bitcoin nodes. Through the data block, we can query each transaction record. A look at the history of Bitcoin transactions. 2. Example: There are three persons A, B, and C. All funds of A and B are kept by C. And every financial transaction must be recorded by C. Now assume that A and B each have 1 million in custody of C. Then: A spends 80,000 yuan to B, then C's account book record will subtract 80,000 yuan from A's name, and add 80,000 yuan to B's name. B transfers 50,000 to A, then C is in the ledgerOn the record, 50,000 yuan is added to the name of person A, and 50,000 yuan is subtracted to the name of person B. A spends 50,000 yuan to B, then C's account book record will subtract 50,000 yuan from A's name, and add 50,000 yuan to B's name. 3. The role of the data blockchain is similar to that of C’s account record book. It records the user’s ownership of Bitcoin and the records of all users’ Bitcoin transactions. It’s just that this “account record book” is recorded by the mining software of every Bitcoin miner on the network. If a Bitcoin transaction is confirmed by the data blockchain, the relevant information will be recorded in the data blockchain. Bitcoin’s “account record book” is called the data blockchain. All data blockchains on the network form Bitcoin’s distributed network database system. 4. The essence of data blockchain technology is a decentralized and distributed structure of data storage, transmission and certification methods. It uses data blocks to replace the current Internet's dependence on central servers, so that all data changes or transaction items are recorded. On a cloud system, the self-certification of data during data transmission is theoretically realized. In a far-reaching sense, this transcends the traditional and conventional information verification paradigm that relies on a center and reduces the cost of establishing global "credit." This point-to-point verification will produce a "basic protocol", which is a new form of distributed artificial intelligence and will establish a new interface and shared interface between human brain intelligence and machine intelligence.

Question 4: What is blockchain: This explanation of blockchain is more understandable. Blockchain refers to a technology that collectively maintains a reliable database through decentralization and trustlessness. plan.
In layman’s terms, blockchain technology refers to a way for all people to participate in accounting. There is a database behind all systems. You can think of the database as a big ledger. Then who will keep this ledger becomes very important. Currently, whoever owns the system keeps the accounts. Tencent keeps the accounts of WeChat, and Alibaba keeps the accounts of Taobao. But now in the blockchain system, everyone in the system has the opportunity to participate in accounting. If there are any data changes within a certain period of time, everyone in the system can do accounting. The system will judge the person who has the fastest and best accounting during this period, write his recorded content into the ledger, and record this Within a period of time, the contents of the ledger are sent to all other people in the system for backup. In this way, everyone in the system has a complete ledger. In this way, we call it blockchain technology.
Blockchain technology has become the darling of the financial community in China and has become a hot topic. Domestic Puyin Group has launched Puyin, a tea-based digital currency.

Question 5: Explain in an easy-to-understand manner what blockchain is. Blockchain can be understood as a database system in a sense. The development of blockchain can be divided into 1.0 and 2.0
1.0 is represented by Bitcoin, and its main application is virtual currency or digital currency.Word currency application. The blockchain at this time can only be used for simple digital currency transactions.
2.0 is represented by the now popular ethereum (Ethereum) and the upcoming hyperledger. The blockchain at this stage can not only meet the corresponding digital currency transactions, but also use smart contracts to customize currency or asset transactions. If we use the database analogy, the emergence of smart contracts can be understood as allowing users to define functions or stored procedures in the database and call and execute them.
Different from traditional databases, the blockchain introduces consensus mechanism, incentive mechanism, p2p (network), hash and other specific elements, making it open, decentralized and non-tamperable. characteristic.

Question 6: What is blockchain? Can anyone explain it in simple terms? Blockchain is the underlying technology of Bitcoin. It is like a ledger that records all transactions. It is decentralized. What is decentralization? For example, when you buy something on Taobao, you place an order and pay in Alipay. Alipay will not transfer the money to the seller until you receive the goods. Alipay is the third party in that center. Without it, it means decentralization, just like buying things offline. If you pay with one hand and get the goods with the other hand, there is no third party.
The blockchain itself is a series of cryptographically related data blocks generated.
Look carefully to see if it looks like a ledger. The pieces one by one are blocks, and connected together they are the blockchain.
Many companies are developing this technology, including ours, and its prospects are incredible. For details, you can go to our official website and hope to adopt it, thank you

Question 7: What is blockchain technology? What is blockchain? How to explain the concept of blockchain? People in each industry have different understandings, and relevant explanations are gradually emerging due to more and more real-life applications. With the popularization of this blockchain technology, the related results are getting bigger and bigger. If we want to understand this technology, we must have an in-depth understanding of reality.
In the past six months, the concept of blockchain has gradually become popular in China, and a blockchain whirlwind has taken off in the financial circle. Blockchain has attracted the attention and favor of more and more people in the industry due to its unique technical advantages. Blockchain technology, which is decentralized (or multi-centered), highly transparent, cannot be tampered with, and has no single point of failure, is entering the field of vision of financial institutions and enterprises. It has at least been used in digital currency, payment exchange, registration and settlement, Digital assets, traceability and anti-counterfeiting, supply chain, Internet of Things and many other fields have moved from theoretical discussions to practical applications.
"Blockchain" was first introduced with "Bitcoin" released in early 2009. Blockchain has become the basic protocol and technical application for the launch, recording, and circulation of Bitcoin. Although Bitcoin has been controversial since its inception, it still cannot even be *** and monetary authorities regard it as "currency", but the blockchain technology used in Bitcoin has received widespread attention, including from ** and monetary authorities.
Why has blockchain become a rapidly heating up hot technology and topic?
The most important of these may be that the launch of Bitcoin based on blockchain technology has opened up a new relationship with traditional society ( The exploration and attempt of brand-new technologies and rule systems such as Internet user identity verification, wealth confirmation, transaction records, notarization and verification, which have little connection with offline) and are fully applied in the online world (online), provide people with the opportunity to adapt to the Internet society. Development provides alternative paths and unlimited imagination.
Judging from its application in Bitcoin, blockchain is a set of new network blocks (BLOCK, also called communities) formed by combining encryption technology with the Internet. Bitcoin configuration, netizen identity verification, and Bitcoin (value) confirmation formed by mining, Bitcoin transaction records, and extended encryption of Bitcoin cross-block flow (value transfer) (added block and transaction time identification, etc. Internet protocol rules and accounting (Ledger) system including block chain, full encryption, mutual authentication, etc., including factor) registration and verification. Precisely because Bitcoin is not a substitute for offline legal currency, but is issued and managed by non-legal currency authorities, mainly imitating the model of gold, and is completely new and decentralized protected and supported by basic Internet protocols and strict encryption technology. Internet currency (virtual currency) has thus formed a new set of currency rules and systems that are different from and not subject to real social laws, and can be bought, sold or exchanged with legal currency. It has been more than 8 years since Bitcoin was launched. There has been no record of funds or user information being stolen. Its security has been verified, and its efficiency and cost of fund settlement also have obvious advantages. This has made people's confidence in the blockchain technology used in Bitcoin continue to increase, and people have become more and more aware that although blockchain is a technology and protocol pioneered and applied by Bitcoin, the blockchain Chain is not the same as Bitcoin, and its application is by no means limited to Bitcoin. The application of blockchain can be decentralized or centralized; it can be a public chain model or a private chain model. Therefore, after Bitcoin, blockchain technology is also constantly developing and innovating, and constantly exploring new application fields, especially in the financial field.
The reason why blockchain is valued highly by more and more people is because the development and widespread application of the Internet have caused more and more economic exchanges and transaction activities to be conducted online, and the online world (or online world) society) is rapidly expanding, enriching and active, and online transactions must solve the efficiency and security protection issues of the parties' identity verification, value verification, transaction records, inspection and verification, etc., and require strict intermediaries and agreements (rules or constitutions). In this regard, traditional thinking and habitsThe common practice is to follow the development trajectory of offline transactions moving to online and push the common rules and practices of the real (offline) society to the online (online) society. However, in practice, it is increasingly difficult to adapt to the needs of online transactions.
For example, for the identity verification of the parties, the natural choice is to use the information on the identity documents protected by the laws of various countries as the basis, and then add account or transaction passwords, as well as facial recognition, iris, fingerprints and other biometrics to conduct online transactions. Verification, but this method first makes the citizen identity information in the cross-border interconnected online world subject to the administrative jurisdiction of real society... >>

Question 8: Easy to understand Explain clearly what is blockchain. The English name of blockchain is Blockchain. Block literally means block, block, and chain means chain, chain. Therefore, together they are translated into blockchain.
1. Use cryptography technology to encrypt and decrypt so that records cannot be tampered with. Common blockchain encryption methods include hash algorithm, RSA algorithm, elliptic curve algorithm, etc.;
2. The huge amount of calculation needs to be supported by a reasonable reward mechanism. Because every transaction must be recorded, Bitcoin’s blockchain has more than 60 gigabytes so far. Every new transaction requires confirmation of the information related to the trading account to ensure that the transaction is valid. The huge amount of calculation requires a computer with powerful computing power to complete.
In order to encourage the participation of powerful computing power, Bitcoin provides two rewards: one is to issue a certain number of Bitcoins to these computers every day; instead, all transfer fees are awarded to these computers. (The technical term for these computers is "mining machines", and the people who hold the mining machines are called "miners".)
Biying China is working hard on the digitization of assets and has launched the digital currency crowdfunding platform Biying China.

Question 9: What is the so-called "blockchain"? Blockchain itself is a tool called decentralization and trustlessness. For example, when you graduate from university, the current practice is to have a certificate recognized and issued by an authoritative agency as your certificate. This setting is more troublesome, because this is a piece of paper, and paper can be forged, so there will be various gaps. The issuing authority is also a person, and there will be various gaps in the middle. As long as it is related to people, whoever There are various possibilities related to media. The blockchain provides a great opportunity. As soon as you graduate, you will have a record on the blockchain. No one can change this record. This thing exists objectively. You, as a physical existence , and then as a data existence, the blockchain was born. In this case, anyone who wants to check where you graduated can easily solve the problem. This is similar to the big data often involved in social networking (WeChat) and payment platforms (Alipay, Yibao).

Question 10: What does blockchain mean? Regarding blockchain, I think you have already seen the concept on the Internet. Let me explain it based on my understanding!
First, let’s talk about its characteristics: 1. Openness and transparency 2. Decentralization 3. Anonymity 4. Information cannot be tampered with, eliminated 5. No trust cost
Blockchain is like a public ledger , everyone has the right to record and read, and everyone will jointly supervise to ensure its accuracy, and the recorded content will be permanently saved, and can only be added but not deleted! However, as the number of blocks continues to increase, costs will increase and efficiency will decrease. (I’m not sure whether technology can be used to make up for this. I hope someone who understands technology can point it out.)
Blockchain is divided into public chain, private chain, and alliance chain. Public chain: accessible to everyone, everyone has read and write permissions, completely open, transparent and decentralized. Private chain: Open to individuals or institutions, in which the owner of the private chain can set various permissions to make it partially centralized. Alliance chain: Open to specific organizations or groups, it is also "partially decentralized". According to the ledger at the beginning, members can view and transact, but cannot record and confirm bills, or require permission from the alliance. (The latter two do not have cost and efficiency issues)
Regarding blockchain, countries have begun to recruit talents in this area. For this, you can search online for "Central Bank Recruiting Digital Currency R&D Personnel". In addition, you can increase your understanding of blockchain by understanding its existing applications. What we usually refer to generally refers to public chains. Currently, those used abroad include Bitcoin, Ethereum and other domestic blockchains. Chain
1. Open and transparent: Every piece of data is verified by everyone and can be viewed by everyone at any time.
2. Decentralization: For example, when we shop on Taobao, we conduct transactions through the intermediary Taobao, and blockchain allows both supply and demand parties to directly contact each other for direct transactions through blockchain technology.
3. Anonymity: No personal privacy information is required to complete transactions on the blockchain, only your unique alphanumeric signature is required.
4. Information cannot be tampered with or deleted: Once the data has been verified and recorded, no one has the authority to modify it, let alone delete it!
5. No trust cost: The trust crisis in reality will not appear in the blockchain. Transactions in the blockchain do not require you to trust the other party. Only when both of you have enough "digital assets" to trade can it be carried out, and Under the supervision of the entire network, transactions will not be broken. If you have no idea about the cost of trust, just think about how many intermediaries there are in your city, or just think about Jack Ma, and you will know how big the cost of trust is.
I am still learning more about blockchain. I am Li Ailin. If you have any questions, you can discuss and learn together!