两会会提到区块链吗

近日，第十三届全国人民代表大会第二次会议和全国人民代表大会第十三届中央委员会第一次会议即将召开，两会将讨论关于国家未来发展的重大议题。而关于区块链这一新兴技术的讨论也将是本次两会的焦点之一。

区块链技术可以被定义为一种去中心化的数据库，它通过使用加密算法来维护数据的安全性和完整性，可以被广泛应用于支付、记账、投票、智能合约等多个领域。

此外，区块链技术还可以在政府机构、金融机构、制造业、物流行业等多个领域得到广泛应用，有助于提升社会效率，构建信任机制，实现数据共享，促进创新发展。

而本次两会，也将讨论关于区块链技术的发展，以及如何更好地利用区块链技术来推动经济社会发展的议题。预计本次两会将提出推动区块链技术发展的政策措施，以及加快区块链技术的应用，为国家未来发展提供更多保障。

此外，本次两会也将提出政策措施，加强区块链技术的监管，防止区块链技术被用于非法活动，保障社会经济的安全和稳定。

两会的召开，将为区块链技术的发展带来更多的机遇，也将为社会经济的发展带来更多的保障。未来，区块链技术将会成为推动经济社会发展的重要力量，为国家未来发展提供更多支持。

① Interpretation of Internet Finance Proposals at the National Two Sessions in 2018

Interpretation of Internet Finance Proposals at the National Two Sessions in 2018

Li Dongrong believes that after seeing the achievements of the Internet finance industry At the same time, we must maintain a "clear mind". The financial industry is an industry full of temptations that emphasizes preventing and resolving risks, and the Internet financial industry is no exception. Under the new form of Internet expression, the spread of risks is more hidden, and the mixed operation format also brings many challenges. Supervision must continue to adapt.

He believes that Internet finance must have its place and role in financial reform and development. "Most companies sincerely want to run well. They must understand and follow the basic laws of finance from the beginning. Self-discipline is extremely important." Li Dongrong mentioned that as an industry self-regulatory organization, the China Internet Finance Association, which is being formed, requires everyone to Each member must be respectful of risks, protect the reputation of the industry, and respect industry rules.

Liu Mingkang mentioned that most of the problems that arise now are that the platform itself wants to participate in capital transactions. However, some platforms expand their asset management business and use the platform as a channel, which violates the development rules of Internet finance itself. "Only by being small, decentralized, and making simple products can we survive. Otherwise, we are not far from death."

He said that it is precisely because mobile Internet, big data, and blockchain can subvert the existing financial business that supervision encourages it, but it will never support the industry's "crazy".

Liu Mingkang said that supervision can only serve as a reminder, and the key is self-discipline. It is hoped that the Internet financial industry will truly use mobile Internet, big data, blockchain and other technologies to play an innovative role.

Li Kemu, a member of the National Committee of the Chinese People's Political Consultative Conference and former vice chairman of the China Insurance Regulatory Commission, put forward several suggestions at the meeting: "Pay attention to preventing systemic risks, pay attention to the regulatory differences of banks and insurance companies, and pay attention to regulatory innovation."

He believes that Internet finance is a new challenge for supervision, and policy levels are responding to the technological innovation of Internet finance with regulatory innovation. If there is no plan to prevent risks, the risks are irreversible. On the contrary, the risks are controllable.

Liu Shijin, a member of the National Committee of the Chinese People’s Political Consultative Conference and former deputy director of the Development Research Center of the State Council, believes that the core of supply-side reform is to improve total factor productivity. The most important thing about Internet finance is to solve information asymmetry. If it can realize value in terms of speed, accuracy, information asymmetry, etc., only then can it leave something meaningful after the boom.

Some previous malicious cases reflected the further asymmetry of information, which was "ancient deception disguised as Internet finance." How to identify and correct genuine and fake innovations is a challenge for supervision.

Liu Shijin said that although the Internet financial industry seems "a little cooler", it is normal. In the future, if we combine industries and realize the industrial Internet, there will be a lot of room, and only then can we truly promote supply-side reform.

Xu Xiaolan, a member of the National Committee of the Chinese People's Political Consultative Conference and secretary-general of the China Electronics Society, proposed to speed up the issuance of regulatory rules, coordinate a multi-dimensional and integrated Internet financial industry regulatory assessment data system, and also strengthen the control of unrealistic propaganda in the industry.

Fang Fang, a member of the National Committee of the Chinese People’s Political Consultative Conference and a member of the Strategic Development Committee of the Hong Kong SAR Government, believes that investor education must be vigorously strengthened, and at the same time, an open attitude towards Internet finance must be adopted to allow room for development. In addition, the bottom line must be clearly drawn to ensure the healthy development of the industry.

Zhao Yuzi, a member of the National Committee of the Chinese People's Political Consultative Conference and counselor of the Shanghai Municipal Government, believes that Internet finance can play a great role, but the balance between innovation and supervision needs to be paid attention to. "For some time, there has been too much emphasis on innovation, which has brought certain side effects." . Internet finance has developed rapidly precisely because of the relaxed environment, but risks are also hidden. Therefore, supervision must be forward-looking and foreseeable.

He mentioned that current supervision tends to decentralize responsibilities, but local financial offices have difficulties in undertaking this task in terms of establishment and personnel capabilities.

Mutual Finance and Two Sessions Proposal Internet Finance is in a critical period for supervision

The annual National Two Sessions are about to open, and Internet finance is expected to become the focus of attention of representatives of the Two Sessions. The topic of "Internet finance" was first introduced into the national "Two Sessions" in 2013. At the national "Two Sessions" held that year, members of the National Committee of the Chinese People's Political Consultative Conference submitted the "Proposal on Several Suggestions for Regulating the Development of Internet Finance." At the "Two Sessions" held in Shenzhen the following year, for the first time, representatives and committee members made special proposals for P2P online lending.

At the National "Two Sessions" in 2015, Internet finance has become a hot topic for debate among various parties. Some advocated tolerance because of its inclusiveness, or advocated against it because of its chaos. It is strictly regulated. However, what is slightly different from 2016 is that the focus of the local "Two Sessions" on Internet finance in 2016 shifted to P2P online lending. Of course, perhaps we can hear the voices of many CPPCC members on how to regulate Internet finance.

Recently, China Times and China Internet Finance Research Institute jointly hosted a seminar on Internet finance. The meeting invited CPPCC members, regulatory representatives and industry leaders to participate. Wang Jitao, CEO of Aiqianbang, was also invited to attend this event. Xu Xiaolan, a member of the National Committee of the Chinese People's Political Consultative Conference, raised the following main controversies and issues based on past research on traditional commercial banks and Internet financial companies:

Asymmetric regulatory issues. Internet finance has not yet formed a system, and the legal status and business boundaries of financial entities have not yet been clarified. If traditional supervision is used, will it be conducive to the development of emerging Internet financial formats? If it is regulated, it will die, and if it is released, it will be chaotic. It occurs in many industries and fields, but finance is more sensitive. This is the foundation of our country's economy. If problems arise, it will shake the foundation of our country's economy and the destructive power will become more apparent.

Wang Jitao, CEO of Aiqianbang, stated in China Times ""Two Sessions" topic seminar said with emotion that the guidance issued in July last year was good, but now the whole industry feels a little uneasy. After the ezubao incident, we are now worried about whether the regulatory rules can be implemented as scheduled. The rules should be clarified as soon as possible, even if This opinion is not perfect, and one is better than nothing. “But now that it’s coming so violently, I’m worried about the industry, and friends are always worried about my personal safety. ”

Fund security issues. In the absence of third-party custody, can the control measures of credit rating based on big data replace the credit rating system of traditional finance? Internet finance will say that our assessment based on big data Why there are still problems with the system raises a question for us: how to ensure our credit rating system.

Consumer rights protection behavior in finance. Internet finance is based on network data, and evidence collection requires a professional team. Will it cause The real dilemma of consumer rights protection. Of course, traditional commercial banks, with their opinions from Internet finance, raise their own issues from their own perspective.

To this end, Xu Xiaolan suggested in her speech: First, encourage Support Internet finance to enter the areas and weak links covered by existing traditional financial institutions. Second, the supervision of different business formats will include Internet finance into the regulatory business formats and frameworks, forming an organic combination of government supervision, industry self-discipline and subject autonomy. Third, formulate technical standards for the Internet financial industry and carry out active management and hierarchical management of the industry. Fourth, establish an Internet financial consumer protection and coordination mechanism and implement a specialized consumer protection agency. "Of course, from a long-term development perspective, it is also necessary to Vigorously promote development from the national strategic level, coordinate a multi-dimensional three-dimensional big data system, establish a comprehensive credit system, innovate supervision methods, and improve the financial ecology. "

Wang Jitao also said that the consistency of policies is insufficient. The stability of the country's governing policies. He hopes that regulatory rules will be implemented as soon as possible and implemented stably. The issue of how to grasp the scale requires appropriate public opinion guidance at the institutional level. Now it is generally a movement-style and rectification-style management style.

The 2016 National "Two Sessions": Mutual Fund Proposal may be a hot spot

The 2016 National "Two Sessions" will It opened in Beijing on March 3 and March 5. Before that, the local “Two Sessions” in various provinces, autonomous regions, and municipalities directly under the Central Government had already been held in full swing. At those local “Two Sessions” that had already been held, there were many issues related to Internet Finance ( Including P2P online lending, etc.) related proposals appear frequently.

In the view of Lin Enmin, President of Yinke.com, because the most important agenda of this year’s national “Two Sessions” is to discuss and review the “Decision of the Central Committee of the Communist Party of China on the formulation of the National Economic and Social Development of the Thirteenth Five-Year Plan" (hereinafter referred to as the "Recommendations"), and in the "Recommendations" released in November 2015, "Internet Finance" was written into the country's In the "Five-Year Plan", it is believed that many CPPCC members will put forward proposals related to Internet finance. Internet financial supervision, reform, etc. mayIt is also the focus of the CPPCC members.

The topic of mutual funds between local two sessions attracted heated discussion among CPPCC members

Recently, at the 19th "Zhejiang CPPCC·People's Livelihood Forum" of the Zhejiang Provincial CPPCC, members of the Zhejiang Provincial CPPCC, Yu Jiongling, senior inspector of the Zhejiang Branch of the Bank of Communications, pointed out that when P2P entered China, various forms such as guarantees, margins, and mortgages were introduced, showing the "credit intermediary" characteristics of traditional finance. "Although we still call it P2P, it is actually more similar to an 'online bank.'" When a number of P2P platforms blindly pursue business expansion and ignore financial business risk control and information security management, they eventually experience illegal operations and debt defaults. Yu Jiongling and other members and representatives from various sectors who attended the meeting believed that P2P’s status as an “information intermediary” should be restored. Yu Jiongling specifically recommended the introduction of regulations that P2P platforms cannot directly or indirectly construct capital pools, cannot provide guarantees, self-financing, grant loans, or split financing project terms. The funds of lenders and investors must be managed by a third party with clear qualifications. This will truly build the P2P platform into a financial financing platform with unhindered exchange of information as its core.

Tu Haiming, a member of the Shanghai Municipal People's Political Consultative Conference, believes that before relevant national measures take effect, local governments should take the initiative and take the initiative in the spirit of being responsible to the people. For example, for companies registered in the region and engaged in P2P operations, conduct a thorough investigation on their transaction volume, number of investors, actual controllers, etc., to avoid "putting out fires" when something goes wrong. For enterprises with abnormal operation discovered during the screening process, early intervention should be carried out to prevent them from running away with their money.

Anhui Jiu San Society’s collective proposal proposes to standardize Anhui P2P platforms, strictly control access, strengthen data analysis, and establish an early warning system. "We must also implement an online lending platform system." Patrol some "suspicious" platforms to nip in the bud the most worrying violations in the P2P industry, such as "running away". At the same time, Jiusan Society also proposed that while popularizing financial knowledge and raising public awareness of financial management, it is necessary to strictly abide by the entry threshold and punish companies that illegally operate offline financial services without approval through reporting hotlines, regular law enforcement inspections and other methods in accordance with the law. Investigate, and if necessary, take various measures such as ordering business suspension for rectification to control risks.

Authoritative report takes the pulse of the mutual finance industry in 2016

Judging from the limited information, the issue of "Internet finance" was first introduced to the national "Two Sessions" in 2013. At the National "Two Sessions" held that year, Xie Wei, a member of the National Committee of the Chinese People's Political Consultative Conference and deputy general manager of Bank of Communications Schroder Fund Company, submitted a "Proposal on Several Suggestions for Regulating the Development of Internet Finance." At the "Two Sessions" held in Shenzhen the following year, for the first time, representatives and committee members made special proposals for P2P online lending.

At the National "Two Sessions" in 2015, Internet finance has become a hot topic for debate among various parties. Some advocated tolerance because of its inclusiveness, or advocated against it because of its chaos. It is strictly regulated. However, what is slightly different from 2016 is thatIn 2016, the focus of the local “Two Sessions” on Internet finance shifted to P2P online lending. Of course, perhaps we can hear the voices of many CPPCC members on how to regulate Internet finance.

In Lin Enmin’s view, these 10 major trends are quite comprehensive and detailed. They are the focus of heated discussions among people inside and outside the industry, and may also be members of the National Committee of the Chinese People’s Political Consultative Conference who study Internet finance or pay attention to the Internet financial ecology. topics of concern. In addition, topics such as the innovation and regulatory direction of green finance, consumer finance and mutual funds are also areas of concern for members of the CPPCC.

② What exactly is blockchain

On April 8, Wu Xiaoqiu, Vice President of Renmin University of China and Director of the Institute of Finance, spoke at the Boao Forum for Asia 2018 At the media meeting at the annual meeting, it was stated that technology is penetrating finance at an unprecedented speed, China's financial industry is diversified, and new industries such as technology finance are developing rapidly.

Supervision should be conducive to financial innovation

Wu Xiaoqiu pointed out that while China’s financial reform is advancing, it has also brought some confusion to financial supervision and requires in-depth think. The first is to shift from the risks of a single regulatory agency in the past to better managing market risks, so the financial structure needs to be adjusted and reformed.

According to the State Council’s institutional reform plan, China’s financial regulatory system has launched a “one bank and two conferences” structure. In this regard, Wu Xiaoqiu said that this is a pragmatic arrangement. The China Banking and Insurance Regulatory Commission will strengthen institutional supervision, and the China Securities Regulatory Commission will strengthen market supervision.

③ After the two sessions in 2022, can digital currency flow?

The two sessions in 2021 are the fourth session of the 13th National People’s Congress of the People’s Republic of China and the Chinese People’s Political Consultative Conference The Fourth Session of the 13th National Committee of the Consultative Conference. The main content of the National People's Congress meeting is to review the government work report, review the 14th Five-Year Plan for National Economic and Social Development and the draft outline of long-term goals for 2035, etc. The main content of the CPPCC meeting is to hear and review the work report of the Standing Committee of the CPPCC National Committee, and the report of the Standing Committee of the CPPCC National Committee on the work of the proposals since the third session of the 13th CPPCC National Committee.

The two sessions in 2021 are the fourth session of the 13th National People's Congress of the People's Republic of China and the fourth session of the 13th National Committee of the Chinese People's Political Consultative Conference. The Fourth Session of the 13th National People's Congress was held in Beijing on March 5, 2021. The Fourth Session of the 13th National Committee of the Chinese People's Political Consultative Conference was held in Beijing on March 4, 2021. 2021 is the 100th anniversary of the founding of the Communist Party of China and the first year of the "14th Five-Year Plan". Our country will embark on a new journey of comprehensively building a modern socialist country and march towards the second centenary goal.

The main contents of the two sessions are as follows:
(1) National People’s Congress meeting:
1. Review the government work report
2. Review the national economic and social developmentExhibiting the draft outline of the 14th Five-Year Plan and 2035 long-term goals
3. Report on the implementation of the 2020 National Economic and Social Development Plan and the 2021 Draft National Economic and Social Development Plan, the 2021 National Economic and Social Development Plan Draft Social Development Plan
4. Review of the 2020 Central and Local Budget Implementation and Report on the 2021 Central and Local Budget Draft, 2021 Central and Local Budget Draft
5. Review of the Standing Committee of the National People’s Congress Proposal to submit for review the "Organic Law of the National People's Congress of the People's Republic of China (Draft Amendment)"
6. Review of the Standing Committee of the National People's Congress' proposal to submit for review the "Rules of Procedure of the National People's Congress of the People's Republic of China (Draft Amendment)" "Proposal
7. Consideration of the National People's Congress Standing Committee's proposal to submit for review the "Decision of the National People's Congress on Improving the Electoral System of the Hong Kong Special Administrative Region (Draft)"
8. Review of the National People's Congress Work Report of the Standing Committee
9. Review of the Work Report of the Supreme People’s Court
10. Review of the Work Report of the Supreme People’s Procuratorate

(2) CPPCC Meeting
1. Hearing and Deliberation Work report of the Standing Committee of the CPPCC National Committee
2. Hearing and reviewing the report of the Standing Committee of the CPPCC National Committee on the work of the proposals since the third session of the 13th CPPCC National Committee
3. Attending the 13th National People’s Congress as non-voting delegates Four meetings were held to listen to and discuss the government work report and other relevant reports, and discuss the draft outline of the 14th Five-Year Plan for National Economic and Social Development and the Long-term Goals for 2035
4. Deliberation and adoption of the 13th National Committee of the CPPCC Political Resolution of the Fourth Session
V. Review and Adoption of the Fourth Session of the 13th CPPCC National Committee
Just use your mobile phone if you know what you like and think it is good

④ District Application and analysis of blockchain in the field of government affairs

Blockchain has become a hot topic at the two sessions in 2020, and has been used in more than 20 regions including Sichuan, Fujian, Hunan, Hebei, Jilin, Beijing, Chongqing, and Shenzhen. The development of the local blockchain industry was mentioned at the local two conferences held. Judging from the content of the government work report, most local governments regard blockchain as a new growth point to assist industrial optimization and upgrading, smart city construction, and the digital economy. In particular, among the blockchain application scenarios mentioned in Beijing, Shenzhen, Shandong and other places, the government affairs field has become a flashpoint. According to incomplete statistics, as of now, more than 90 blockchain government applications have been completed or are under preparation.

⑤ Is blockchain technology expected to lead mankind into the era of machine trust?

Recently, the concept of blockchain has made a comeback. Since February, the U.S. House of Representatives has held two blockchain hearings in succession, elevating blockchain to a “revolutionary technology” and exploring its future applications and impact on finance, business and government. at the same time,Russian President Vladimir Putin also stated that Russia will focus on developing blockchain technology to strengthen Russia’s voice in international competition in the field of cutting-edge technology. In China, more and more industries are beginning to pay attention to the field of blockchain technology, and this concept has also become one of the hot topics discussed by representatives during this year's "Two Sessions".

In today's turbulent era of technological advancement, there are still many places for us to explore in depth as a new technology called blockchain. Especially in high-tech fields where others have formulated the "rules", we should take a long-term view, continue to innovate, digest and absorb the essence of blockchain technology, and strive to form core competitiveness with independent intellectual property rights. At the same time, in the face of various temptations, we need to be cautious at all times, see risks, avoid losses, and never let the light of economic interests obscure our understanding of the essence and deep value of blockchain.

⑥ Will the blockchain industry decline in 2019?

No
Although the currency circle is now in a bear market, blockchain is not useless without cryptocurrency. .
The blockchain industry has developed very rapidly in recent years. Blockchain technology is increasingly appearing in front of people. More and more blockchain applications have been implemented. Blockchain electronic invoices, blockchain Traceability, blockchain finance, etc. Talents in the blockchain industry are also very scarce. Many universities in my country have opened blockchain courses to provide talents for the blockchain industry.
The development of a new technology will inevitably encounter setbacks, and the blockchain industry will develop even stronger in the future.