人民银行贸易金融区块链平台,中国人民银行贸易金融区块链平台官网

中国人民银行贸易金融区块链平台（以下简称“贸金区块链”）是由中国人民银行牵头，由中国银行业协会、中国证券业协会、中国保险业协会、中国外汇交易中心、中国金融资产交易所联合组建的贸易金融区块链应用服务平台。

贸金区块链是一个集成的区块链应用服务平台，旨在推动贸易金融领域的区块链技术应用，实现贸易金融信息资源共享，推动贸易金融服务体系改革，提升贸易金融服务效率，实现贸易金融服务普惠化。

贸金区块链平台的核心功能包括：一是支持贸易金融应用的区块链技术服务：提供贸易金融应用的区块链技术服务，支持贸易金融服务体系改革，提升贸易金融服务效率，实现贸易金融服务普惠化；二是支持贸易金融应用的信息共享服务：支持贸易金融信息资源共享，实现贸易金融数据交换，支持贸易金融信息资源共享，实现贸易金融数据可视化，支持贸易金融信息资源共享，实现贸易金融数据分析；三是支持贸易金融应用的智能合约服务：支持贸易金融智能合约的设计、开发、测试、部署，支持贸易金融智能合约的调试、运行、维护，支持贸易金融智能合约的安全审计。

贸金区块链平台的宗旨是：以技术为核心，以服务为导向，为贸易金融行业提供全方位的区块链技术服务，支持贸易金融信息资源共享，推动贸易金融服务体系改革，实现贸易金融服务普惠化。贸金区块链平台将为贸易金融行业提供全方位的区块链技术服务，支持贸易金融信息资源共享，推动贸易金融服务体系改革，实现贸易金融服务普惠化。

① How to effectively promote the innovative application of blockchain technology in the financial field

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

② Di Gang: The central bank is actively exploring the application of digital RMB blockchain

On September 10, the 2021 China (Beijing) Digital Finance Forum was held in Lize Financial Business District, Fengtai District, Beijing hold. Di Gang, deputy director of the Digital Currency Research Institute of the People's Bank of China, delivered a keynote speech at the parallel forum "Blockchain Empowers High-Quality Development of the Digital Economy". He said that the Digital Currency Research Institute of the People's Bank of China is actively exploring the application of digital RMB blockchain. At the issuance layer, a unified distributed ledger is built based on the blockchain, which improves the efficiency of reconciliation; at the same time, the blockchain has certain advantages in solving trust issues, but technical decentralization does not mean management decentralization.

Di Gang believes that the application of blockchain in the financial field mainly includes two aspects: endogenous improvement and external empowerment: in terms of endogenous improvement, there are supply chain finance, agricultural finance, trade finance and general public finance. Beneficial finance and other applications; in terms of external empowerment, financial institutions have also provided better blockchain application services in areas such as smart cities, "agriculture, rural areas and farmers" and people's livelihood.

According to reports, the Digital Currency Research Institute has actively strengthened the construction of the blockchain standard system and has led multiple domestic and foreign standardization organization working groups and standardizationProject to promote the development of blockchain standards.

Regarding the application of blockchain technology, Di Gang proposed four major principles: talk less about subversion, talk more about scenario applications, use technology to solve industry pain points; be rational and pragmatic, and integrate various mature and advanced technologies to achieve results Optimal, this is also the starting point for adopting a mixed technology architecture for digital RMB research and development; technology is neutral; neither overestimate nor underestimate blockchain, solving problems is the starting point for applying blockchain technology.

In order to empower the high-quality development of digital finance, Di Gang believes that the current blockchain can achieve breakthroughs in eight aspects, including increasing basic theoretical research, mastering core technologies, and formulating core technical standards.

③ Application of blockchain technology in the financial field

There are many applications of blockchain technology in the financial field. Here are a few examples:
Launched by the People’s Bank of China Trade finance blockchain platform: Extensively connects information from taxation, customs, foreign exchange and other departments to effectively increase the credit of small and medium-sized enterprises in financing.
Guangdong has released the country’s first local financial off-site supervision blockchain system: effectively solving the pain points of information asymmetry and unreliability between financial institutions and regulators in traditional supervision methods.
State Grid’s supply chain financial data sharing platform based on data side chain: provides conditional and trustworthy sharing services of supply chain financial data under privacy protection, helping small and medium-sized suppliers in the chain to revitalize accounts receivable and reduce financing costs. Increase the financial income of financial institutions.
In addition to these, there are other applications. Crypto Finance mimacaijing focuses on blockchain information.

④ What digital currency will the central bank launch?

As of November 9, 2019, the central bank has not yet launched a digital currency.

In 2014, the Central Bank of China established a special research team to conduct in-depth research on the digital currency issuance and business operation framework, the key technologies of digital currency, the issuance and circulation environment, and the legal issues faced.

In January 2017, the central bank officially established the Digital Currency Research Institute in Shenzhen.

In September 2018, the Digital Currency Research Institute built a trade finance blockchain platform.

On July 8, 2019, at the launching ceremony of the Digital Finance Open Research Plan and the first academic seminar, Wang Xin, director of the Research Bureau of the People's Bank of China, revealed that the State Council has officially approved the research and development of the central bank's digital currency. Organize market institutions to engage in corresponding work.

(4) Extended reading on the People’s Bank of China’s trade finance blockchain:

Benefits of launching digital currency

Digitization of central bank currency It helps to optimize the currency payment function of the central bank and improve the monetary status of the central bank and the effectiveness of monetary policy. The central bank's digital currency can become an interest-bearing asset to meet the holder's reserve needs for safe assets, and can also become the lower limit for bank deposit interest rates. It can also become a new monetary policy tool.

At the same time, the central bank can adjust the central bank’s digital currency interest rate to influenceBank deposit and loan interest rates also help break the zero lower bound.

⑤ What is central bank digital currency

Central bank digital currency is a digital currency directly issued by the central bank or authorized by commercial institutions. It is an electronic currency. It is a cash substitute or supplement for certain groups of people or institutions. China's central bank digital currency is called "digital RMB". It is issued by the People's Bank of China, operated by designated operating agencies and redeemed by the public. It is based on a broad account system and is equivalent to banknotes and coins, and has value characteristics and A legal, controllable and anonymous payment tool.
The digitization of central bank currency helps optimize the central bank's currency payment function, improve the central bank's currency status and the effectiveness of monetary policy. The central bank can affect bank deposit and loan interest rates by adjusting the central bank's digital currency interest rate, and at the same time help break the zero lower limit of interest rates. It can eliminate illegal transactions and money laundering activities through cash, implement negative interest rates, and realize direct assistance from the central bank to special groups.
Extended information
The development history of central bank digital currency
In 2014, the Central Bank of China established a special research team to conduct research on the digital currency issuance and business operation framework, the key technologies of digital currency, the issuance and circulation environment, and the legal challenges faced issues were studied in depth.
In January 2017, the central bank officially established the Digital Currency Research Institute in Shenzhen.
In September 2018, the Digital Currency Research Institute built a trade finance blockchain platform.
On July 8, 2019, at the launch ceremony of the Digital Finance Open Research Plan and the first academic seminar, Wang Xin, director of the Research Bureau of the People's Bank of China, revealed that the State Council has officially approved the research and development of the central bank's digital currency, and the central bank is organizing market institutions to engage in Work accordingly.
On August 2, 2019, the central bank stated at the video conference on work in the second half of 2019 that it would accelerate the research and development of legal digital currency. On August 10, Mu Changchun, deputy director of the Central Bank’s Payment and Settlement Department, said at the China Financial Forty Yichun Forum that “the central bank’s digital currency can be said to be ready.” On August 18, the Central Committee of the Communist Party of China and the State Council issued opinions on supporting Shenzhen in building a pioneer demonstration zone for socialism with Chinese characteristics, mentioning support for innovative applications such as digital currency research in Shenzhen. On August 21, the central bank’s official Weibo published two articles about digital currency. One was published in January 2018 by Vice Governor Fan Yifei talking about the central bank’s considerations for digital currency. The second was published in August 2018 by Mu Changchun, deputy director of the Payment and Settlement Department. Speech in Yichun on the 10th.
On the evening of April 14, 2020, a photo of the central bank’s digital currency being tested internally in an Agricultural Bank of China account was circulated on the Internet. It is said that Xiangcheng District in Suzhou is an important pilot area for the central bank’s digital currency. On the evening of April 17, 2020, the Central Bank Digital Currency Research Institute issued the latest response to the internal testing of the central bank’s digital currency. The Central Bank's Digital Currency Research Institute stated that the current DC/EP information transmitted online is test content in the technology research and development process and does not mean that the digital renminbi has been officially issued.
On April 22, 2020, Xiongan New Area ManagementThe Reform and Development Bureau of the Governing Council organized a legal digital RMB pilot promotion meeting, and 19 pilot units that planned to participate in the implementation of the application attended the meeting.