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dc区块链什么意思?,dcc区块链app

发布时间：2023-12-05-22:33:00 来源：网络区块链知识区块 DC

dc区块链什么意思?,dcc区块链app

近年来，随着区块链技术的发展，DC区块链应运而生。DC区块链，即Decentralized Computing，是一种分布式计算技术，其最大的特点是数据的安全性和可靠性。它通过分布式节点来实现数据的存储和传输，从而保证了数据的安全性和可靠性。

DC区块链技术的发展，也带来了一款名为DCC区块链App的新产品。DCC区块链App是一款专业的区块链应用，它提供了安全、可靠、高效的数据存储和传输服务。它采用了分布式节点技术，可以有效地防止数据的篡改和窃取，保证数据的安全性和可靠性。

此外，DCC区块链App还提供了一系列丰富的功能，如数据审计、数据挖掘、数据分析等，可以帮助企业更好地管理和分析数据，从而提高企业的效率和效益。

总之，DCC区块链App是一款具有安全、可靠、高效等特点的区块链应用，它可以为企业提供安全、可靠、高效的数据存储和传输服务，并且可以帮助企业更好地管理和分析数据，从而提高企业的效率和效益。DCC区块链App是企业数字化转型的必备工具，它可以帮助企业实现数据的安全性和可靠性，从而获得更大的商业价值。

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1. Where will the blockchain industry be most widely used in the future

Some people believe that the core application scenario of blockchain technology is to solve the problem of collaborative informatization. That is, a mechanism that is mutually recognized by both parties and cannot be tampered with by both parties is used to solve collaboration and reconciliation problems, and to solve informatization problems in a new environment.
Specifically, the future application scenarios of blockchain are mainly in the financial field, such as:
Payment: At present, cross-border payments are difficult to use due to factors such as long currency exchange cycles, numerous procedures, and high time costs. Using tokens in the blockchain to conduct cross-border payment transactions will maximize efficiency.
Support the implementation of monetary policy and ensure accurate currency delivery: The combination of digital currency and smart contracts can provide a greater degree of programmability. The central bank can control the flow of currency through smart delivery.
Clear and settlement system: Banks, securities and other institutions have a large amount of clearing and settlement account work every day. The characteristic of blockchain technology is that payment is settlement. If the future clearing and settlement business is transferred to the blockchain, it can directly replace the current one. clearing and settlement system.
Other application scenarios include:
Commodity anti-counterfeiting: The traceability feature of blockchain will be a revolutionary breakthrough when applied to the anti-counterfeiting and anti-counterfeiting work of commodities. The huge cost of cracking down on counterfeit well-known brands is a way to greatly reduce costs.
Intellectual property rights: The data in the blockchain can be saved forever, fully traceable, and cannot be tampered with. It is very suitable for the protection of intellectual property rights. Using blockchain technology, the records and updates of registered intellectual property assets can be recorded and updated in real time. The property chain and ownership situation are also very convenient for transfer.
Identity information management: The non-tamperability of blockchain and the security mechanism of private keys make personal identity management easier. It can be directly applied to areas with cumbersome procedures such as elections, government affairs, real estate transactions, etc., without having to provide a lot of supporting documents.

2. What is the background and strategic intention of the central bank’s proposed issuance of digital currency (DC/EP)

Background:

June 18, 2019, Facebook The digital currency project Libra white paper was released, which attracted attention and discussion from central banks around the world. Central banks around the world have begun to intensively release signals on the development of digital currencies, and the Central Bank of China is no exception.

China’s central bank started researching digital currencies in 2014 and had matured by 2018. It was “ready to come out” in August 2019 when Libra triggered heated discussions among central banks around the world.

The English abbreviation of China's central bank digital currency is "DC/EP", "DC" is the abbreviation of "Digital Currency (digital currency)", "EP" is the abbreviation of "Electronic Payment (electronic payment)" , the main function is as a means of electronic payment.

Strategic intention (shallow level):

First: reduce cash circulation and optimize banknote management

Nowadays, the costs of printing, issuance, and storage of banknotes and coins are very high compared to digital currency, and it is necessary to continuously invest in the research and development of anti-counterfeiting technology. At the same time, due to the development of electronic payment, the convenience of banknotes and coins is insufficient, and the usage scenarios are gradually shrinking.

Secondly: replace cash M0 and promote the digitization of RMB

The launch of DCEP focuses on replacing M0 (M0 is cash) instead of M1 and M2. Simply put, it is to realize the digitization of banknotes. . In my country's current monetary system, M1 and M2, which are based on the commercial bank account system, have already been electronicized and digitized, so there is no need to use another technology to digitally transform them again in a short time.

M0 Due to the anonymity of transactions and forged anonymity, there are risks of being used for money laundering, terrorist financing, etc. With the improvement of security awareness and data protection awareness, ordinary users have certain needs for anonymous payments and transactions. However, current payment tools, whether mobile payment or bank card payment, cannot escape the bank account system and cannot satisfy the need for anonymity. demand, it cannot completely replace banknote payment. But from the perspective of the central bank, future digital currencies must do their best to protect private privacy and anonymous payment needs, but social security and order are equally important, and necessary verification methods must be retained when encountering illegal and criminal problems.

Therefore, in order to solve the above problems, the central bank’s digital currency must not only maintain the attributes and main value characteristics of banknotes, but also be portable and anonymous. requirements, while also finding a balance between privacy protection and combating illegal and criminal activities. Mu Changchun has repeatedly defined the central bank’s digital currency as a “digital payment tool with valuable characteristics” and a “digital replacement of banknotes.”

Strategic intention (deep level):

However, in addition to optimizing cash management and promoting the digitization of M0, there are also factors behind the issuance of DCEP. More generous strategic intentions such as RMB internationalization can be roughly divided into the following four categories:

1. Resist U.S. economic sanctions and maintain domestic economic stability. This type of country is represented by Venezuela. Due to the economic sanctions led by the United States, the country is in a deep economic crisis. The traditional monetary system is facing collapse, inflation is serious, and it is almost isolated from the world. It is unable to obtain assistance from the outside world through traditional financial means. In order to break the blockade, such countries place their hope in borderless value storage tools such as digital currencies, viewing them as the last "life-saving straw."

2. Reduce dependence on the U.S. dollar. Most of these countries use the U.S. dollar as their government currency and are subject to the U.S. dollar in their domestic economies, represented by the Marshall Islands. Furthermore, for countries that have to rely on the U.S. dollar due to their participation in international trade, the introduction of a central bankThe issuance of digital currencies could also help reduce dependence on the U.S. dollar, which in turn could mean more economic sovereignty for these countries.

3. Pursue the development of financial technology and improve the existing system. Such countries include China, Russia, Singapore, Israel, Dubai, Estonia, etc. For example, Singapore hopes to promote cross-border payments through digital currency; Israel aims to target the domestic black market and tax evasion. The economies of such countries are basically relatively stable, but they choose to join the research and exploration of legal digital currencies in order to pursue the development of financial technology, seize the initiative in future economic development, and supplement or improve the existing monetary system.

4. Maintain the stability of the existing monetary system. Such countries are represented by Norway and Sweden. The monetary systems of these countries are currently under threat or impact due to certain external factors. They hope to use legal digital currencies to stabilize the existing domestic monetary systems and use them as a supplement to legal tender to ensure the central bank's control over domestic currencies.

In addition, the central bank’s legal digital currency is also considered to be a safer and more compliant virtual digital currency:

First of all, non-legal digital currencies represented by Bitcoin are decentralized. is the main feature, but legal digital currency requires a clear centralized organization. This type of centralized digital currency is guaranteed by national credit. Compared with digital currencies such as Bitcoin that use pure technology as a credit guarantee, they can receive legal protection.

Secondly, unlike non-legal digital currencies, which have many problems such as huge price fluctuations and difficult-to-define attributes, the digital currency issued by the central bank is relatively stable in price and can be easily exchanged with legal currency. It is the digital form of legal currency and does not There are circulation and regulatory barriers.

In addition, legal digital currencies can use distributed accounting methods or traditional bank account systems. The advantage of using distributed ledgers is that they can be open, transparent, and cannot be tampered with, which makes it easier to reduce issuance costs, strengthen supervision, and combat illegal crimes. But blockchain technology is not the only option.

Data source: 01 Blockchain

DCEP is still in the internal testing stage. You can use the digital currency wallet function in the CCB APP and open the CCB APP. Enter "digital wallet" in the search bar at the top, and "digital money recharge" and "digital currency" will be displayed.

This function has not yet been officially provided to the outside world

I hope my answer is useful to you, thank you:)

3. Eight major Ecology helps digital life chain DC become the most potential blockchain project

With the rapid development of the blockchain industry ecology, more and more projects have actually been implemented. In the future, blockchain technology will continue to accelerate It is widely used in industrial scenarios and deeply integrated with real economic industries to form a number of "industrial blockchain" projects, which will become the application trend of blockchain technology.

In terms of market size, the scale of the global blockchain industry is growing rapidly, and application scenarios continue to expand. benefitDue to its intermediation, good traceability, and difficulty in tampering, blockchain technology has profound transformation potential in finance, technology and other fields. Since 2013, blockchain application scenarios have continued to penetrate from digital currency and mining machine manufacturing to finance, supply chain, copyright, medical and other fields, providing sufficient impetus for the development of the blockchain industry. According to data, from 2013 to 2019, the global blockchain market showed steady growth as a whole, reaching US$122.26 billion in 2019.

DC’s Chinese name is Digital Life Chain, which is the world’s first pan-life digital service application platform.

DC is a full ecological platform based on and serving the life service industry. It mainly connects consumers and the life service industry to enable better communication between them and enable the service industry to serve consumers in a timely and efficient manner. The ultimate goal of blockchain technology is to meet people's needs, so DC hopes that industries closely related to people's daily lives can embark on the fast track of blockchain development.

The DC platform is based on all the content of the industry application layer, including blockchain e-commerce, social platforms, charity, entertainment, real estate industry, tourism, electronic games, advertising precision marketing, and unifies them into society The life service platform is committed to combining blockchain technology with areas closely related to people's lives to ensure the creation of a platform for real industry implementation. Blockchain technology and digital currency wealth are no longer obscure and obscure in the clouds, but integrated into every aspect of people's lives.

In all subsequent ecosystems opened, DC will be used as a platform currency and a media currency for the payment and circulation of all ecological services, such as the payment of platform product purchase fees, the use of platform ecological functions (information release, Service fees for merchants and enterprise functions), payment for enjoyment consumption such as games, entertainment and travel, etc.

4. How much do you know about “digital currency”

There is a big difference between the RMB digital currency and foreign Bitcoin. The emergence of RMB digital currency will greatly reduce China’s economic fraud crime rate.

There is no distribution center for Bitcoin. The only way to obtain Bitcoin is mining. I don’t know what the meaning of mining is. It consumes electricity and computer resources.

The RMB digital currency has a distribution center, and the issuance volume is controllable, which can effectively respond to violent fluctuations in the value of the digital currency. Digital currency is equal in value to the paper currency we issue.

The spread of Bitcoin must go through the Internet and cannot be separated from digital wallets.

The RMB digital currency can be traded offline. You only need to put two mobile devices together to conduct transactions.

The spread of Bitcoin is anonymous and cannot be traced.

The spread of RMB digital currency is anonymous and traceabletrace. Since it is traceable, digital currency crimes can be prevented to the greatest extent. If someone loses their digital currency and it is used by someone else, they can still track who used the money.

The control of Bitcoin is in the hands of private trading platforms at home and abroad. If financial risks occur, the central bank cannot control these trading platforms.

The control of the RMB is in the hands of the central bank. Once any risk situation is discovered, the central bank can take control in a timely manner.

Recently, the Agricultural Bank of China’s internal testing of the central bank’s digital currency DC/EP triggered heated discussions on the Internet. So, what exactly is digital currency? Today, I will give you a brief introduction.

1. Definition of digital currency

Digital currency can be understood as digital RMB, DC, Digital Currency, which is digital currency; EP, Electronic Payment, which is electronic payment. It is to replace cash by encrypted digital form with electronic payment function. In short, the essence of digital currency is electronic payment based on national credit.

The digital currency launched by the central bank does not refer to the digitization of currency under the existing monetary system, but the launch of a new encrypted electronic currency system based on new Internet technologies, especially blockchain technology. This is undoubtedly a Major changes in the market currency system.

2. Advantages of digital currency

Compared with cash, digital currency eliminates the need for physical banknotes, saving the manufacturing and storage costs of banknotes. At the same time, digital currency will also bring more convenience to people’s lives.

According to industry insiders’ predictions, the central bank’s digital currency will be realized based on the DC/EP personal wallet APP. Unlike our existing bank APP, DC/EP is independent of the existing account system and does not need to be bound to any bank account. However, industry insiders predict that the most likely way to achieve this is to set up independent digital currency units and accounts in the bank APP.

3. Differences from Alipay and WeChat Pay

In terms of user experience, although digital currency is similar to Alipay and WeChat Pay, they all use mobile phones for payment. However, using the central bank’s digital currency to pay is actually the same as using cash; Alipay and WeChat Pay still use bank cards bound to individuals. It is understood that when using digital currency, no network or bank account is required. As long as the mobile phone is equipped with a DC/EP digital wallet, the transfer function can be realized by touching the two mobile phones. It is called "dual offline payment" for both parties. ". From a long-term perspective, issuing digital currency is also a shortcut to the internationalization of the RMB. At the same time, digital currency can also meet people's anonymous payment needs, while Alipay and WeChat payment must be real-name payments. More importantly, the two have different credit bases and different effectiveness. The central bank’s digital currency is legal tender and has national credit, while WeChatPay and Alipay are just a payment method, behind which is bank commercial credit. Digital RMB does not need to be bound to any bank account and gets rid of the control of traditional bank accounts. In other words, if an institution or individual does not accept Alipay or WeChat payment, there is no legal problem; but it is illegal to refuse users to pay with digital currency.

4. Digital Currency Trial

According to the central bank’s disclosure, the promotion of digital currency will be divided into two phases. By the end of 2019 A small-scale scene closure pilot will be implemented on a large scale in Shenzhen in 2020. At present, the digital renminbi has been undergoing internal closed pilot testing in Shenzhen, Suzhou, Xiongan, and Chengdu. Although the central bank’s digital currency has been piloted in many places, the central bank disclosed that this does not mean that the digital currency has officially landed. Industry insiders said that because digital currency is a substitute for cash and involves complex management and operation systems, it currently does not have the conditions to be promoted nationwide.

5. The development prospects of digital currency

Digital currency should start from replacing banknotes and coins in circulation with digital currency, but it does not want to replace all RMB. The balance in a commercial bank account actually already exists in digital form, and there is no need to replace it. In other words, we can replace 100 yuan of cash in circulation with digital currency equivalent to 100 yuan. Even if the central bank's digital currency DC/EP is launched, digital currency will not be able to completely replace cash for a long time, and the two will coexist for a long time. Digital currency can be used as a supplement to the payment method for people's daily consumption. China's move towards a "cashless society" is a long-term process and cannot be achieved overnight.

In layman’s terms, digital currency is a kind of virtual money. If we really want to define it, it is a virtual special product that can measure the price of general commodities.

1. The emergence of digital currency. The production of digital currency uses an information digital technology called blockchain technology. No printing is required, it is generated directly through the information network, no resources such as paper are consumed, and the production cost is low. Since it is produced without paper, it is not easy to be counterfeited.

2. Functional attributes of digital currency. It has three functional attributes of general currency: first, it can measure the price of general goods or services; second, it can be used to purchase goods and services; third, it has credit.

At the same time, there are three unique characteristics of digital currency: First, it is virtual and has no entity. Although the digital format can be seen, it cannot be touched; second, it is decentralized. What's the meaning? There are two meanings: first, in theory, its production and issuance are not controlled by any unique individual or institution, and are self-operating, avoiding the thought of controlling currency or goods.currency system; secondly, all transaction records are not recorded in a central management place, but are recorded on multiple nodes of the currency system. In this way, it is difficult for any individual or institution to tamper with and destroy transaction records, thereby avoiding the occurrence of financial crimes; The third is high anonymity. This means that both parties to the transaction can conduct transactions without knowing each other's identity, which can effectively protect personal privacy or meet the needs of people who require anonymous payments.

3. Advantages and disadvantages of digital currency. The advantages are that production does not consume resources, the cost is low, it is easy to carry and store, and it is not easy to be damaged; it is relatively safe and difficult to imitate; the payment can be contact-free and uses digital payment to avoid the spread of germs; the disadvantage is that it needs to run in a digital information network and cannot be used alone There is no feeling when using it. It is not suitable for the elderly and children.

4. The unique characteristics of my country’s central bank’s digital currency. The central bank’s digital currency is my country’s upcoming digital currency and is currently undergoing pilot internal testing in Suzhou, Chengdu, Shenzhen and Xiongan. In addition to the characteristics of all digital currencies, it also has its own unique characteristics: First, it will be issued and managed by the People's Bank of China. It is legal currency, has national credit, and is indebted to the state. This is different from ordinary digital currencies. We said earlier that general digital currencies are not issued and managed by a unique center, but for a country's legal currency, if there is no unified issuance and management by the country, it will be chaotic, so it still needs to be issued and managed by the central bank. ; Second, electronic payment can be made directly. The English abbreviation of the central bank's digital currency is DC/EP, where DC refers to digital currency and EP refers to electronic payment. Judging from the internal beta chart, it has functions such as scan code payment, remittance, collection and payment, and touch, which means that you can directly use digital currency to purchase goods or services. In addition, Pengpeng can also make payments without the Internet.

5. In addition, my country’s issuance of central bank digital currency is of great significance to the internationalization of the RMB, because my country is likely to be the first country in the world to launch a digital currency. , will gain the upper hand internationally. At the same time, the central bank's digital currency will be circulated together with banknotes and coins after its launch, so those who like to use cash don't have to worry too much.

First, the timeline

In 2014, the central bank established a special research group on legal digital currency;

In 2016, a digital currency research institute was established based on the original group;

In June 2018, Shenzhen Financial Technology Co., Ltd. was established;

In August 2019, the central government issued a document to launch digital currency research and mobile payment pilots in Shenzhen;

On October 28, 2019, almost at the same time as Xiao Zha’s third hearing, Mr. Huang Qifan, Vice Chairman of the China Center for International Economic Exchanges, made it clear that the People’s Bank of ChinaIt is likely to be the first central bank in the world to launch a digital currency;

On October 29, 2019, at the "2019 Bund Financial Summit", DCEP made its debut;

2020 On April 3, the central bank stated that it would "unswervingly promote the research and development of legal digital currency";

On April 10, 2020, a relevant person from the central bank pointed out, "As for digital currency, the central bank is following the original plan. Plan, advance in an orderly manner";

On April 14, 2020, the central bank's digital currency DCEP took the lead in internal testing at the Agricultural Bank of China;

On April 16, 2020, the central bank's digital currency took the lead in It was launched in Xiangcheng District, Suzhou, replacing banknotes in issuing "wages", and at the same time launching a digital service export base.

Currently, as the first country in the world to launch digital currency, our country has taken the lead in future competition. The road is long and the journey is far-reaching.

First of all, it is an abstract logical transmission chain: blockchain - digital currency - RMB internationalization

First of all, when it comes to blockchain, everyone knows that blockchain is The underlying technology, the three core advantages of blockchain:

1. Decentralization, reducing links and improving efficiency.

2. Openness and transparency are conducive to mutual supervision and supervision.

3. Non-tamperability, ensuring the authenticity of transactions. On the one hand, digital currency is decentralized. A and B no longer need to go through banks to transfer money. Banks will assume other important functions, improve efficiency and save costs. At the same time, they can strengthen financial supervision and combat financial crimes. Last year the Politburo collectively studied blockchain, you know!

Next is the application scenario of blockchain. With the continuous development of technology, the application will inevitably accelerate in the future. At this stage, everyone is familiar with Bitcoin. Since central banks of various countries do not have the right to issue it, At the same time, Bitcoin has not been real-named, so it has not been recognized. The idea can be transformed. If it has the right to issue and can be transparently supervised to regulate the money supply of society, then the digital currency based on the blockchain will have a different impact on traditional currencies. A profound revolution, with the emergence of digital currency, the future is really not far from saying goodbye to paper money.

From a long-term perspective, the most important step is the internationalization of the RMB. At this time, the digital currencies launched by sovereign countries can be understood as starting from scratch without the US dollar, impacting the US dollar global settlement SWIFT system, breaking the The U.S. dollar's monopoly on international trade settlements and reshaping the international currency settlement system are largely a matter of national destiny!

Returning to the capital market, the concept of national will must be a gimmick. It has been speculated once before. Now if we consider it sustainable, there are certain logical flaws at present. Although the central bank strongly promotes digital currency , but the current level is a state action, and there are too few companies that really benefit from the A-share market, so the fundamentals lack a support, and the news stimulatesIt is necessary to repeat the excitement, but you have to work hard to choose one.

At the same time, there are three unique characteristics of digital currency: first, it is virtual and has no entity. Although the digital format can be seen, it cannot be touched; second, it is decentralized. What's the meaning? This has two meanings: first, in theory, its production and issuance are not controlled by any unique individual or institution, and are self-operated, avoiding the thought of controlling currency or monetary systems; second, all its transaction records are not records. In a central place of management, it is recorded on multiple nodes of the currency system. In this way, it is difficult for any individual or institution to tamper with and destroy transaction records, thereby avoiding the occurrence of financial crimes; third, high anonymity. This means that both parties to the transaction can conduct transactions without knowing each other's identity, which can effectively protect personal privacy or meet the needs of people who require anonymous payments.

4. The unique characteristics of my country’s central bank’s digital currency. The central bank’s digital currency is my country’s upcoming digital currency and is currently undergoing pilot internal testing in Suzhou, Chengdu, Shenzhen and Xiongan. In addition to the characteristics of all digital currencies, it also has its own unique characteristics: First, it will be issued and managed by the People's Bank of China. It is legal tender, has national credit, and is indebted to the state. This is different from ordinary digital currencies. We said earlier that general digital currencies are not issued and managed by a unique center, but for a country's legal currency, if there is no unified issuance and management by the country, it will be chaotic, so it still needs to be issued and managed by the central bank. ; Second, electronic payment can be made directly. The English abbreviation of the central bank's digital currency is DC/EP, where DC refers to digital currency and EP refers to electronic payment. Judging from the internal beta chart, it has functions such as scan code payment, remittance, collection and payment, and touch, which means that you can directly use digital currency to purchase goods or services. In addition, Pengpeng can also make payments without the Internet.

5. In addition, my country’s issuance of central bank digital currency is of great significance to the internationalization of the RMB, because my country is likely to be the first country in the world to launch a digital currency and will gain an upper hand internationally. At the same time, after the central bank’s digital currency is launched, it will be circulated and used together with banknotes and coins., so those who prefer to use cash don’t have to worry too much.

To put it simply, the People’s Bank of China’s digital currency is the electronic version of the RMB.

Speaking of digital currency, everyone’s first reaction may be Bitcoin or Facebook’s planned launch of Libra.

However, unlike these so-called digital currencies, the digital currency to be launched by the People's Bank of my country has national credit endorsement and can be said to be the electronic version of the RMB. Therefore, the People’s Bank of China’s digital currency is legally compensable.

More importantly, with state endorsement, the value of the People's Bank of China's digital currency will be more stable. However, the so-called virtual currencies such as Bitcoin cannot guarantee the stability of the currency value, and it is common for them to be "cut off".

From the perspective of usage scenarios, the People's Bank of China's digital currency does not pay interest and can be used in small-amount, retail, and high-frequency business scenarios. It is no different from paper currency. At the same time, all current regulations on cash management, anti-money laundering, and anti-terrorist financing should be followed when using it.

What are the benefits of digital RMB?

Low issuance costs and more convenient transactions...

RMB cash-based payments, transactions, anti-money laundering, etc. are becoming more and more difficult to manage in modern society, and the costs are also increasing. high. The issuance of digital currency can effectively solve the above problems.

At the same time, the Chinese version of digital currency does not need to be bound to any bank account, getting rid of the control of the traditional bank account system.

In addition, when the network signal is poor, the payment functions of online banking and payment platforms are often paralyzed, and DC/EP's dual offline technology can ensure that in extreme cases, like using banknotes, , using the People’s Bank of China’s digital currency. For example, in the absence of a network, as long as two mobile phones equipped with DC/EP digital wallets touch each other, the transfer or payment function can be realized.

Popularize professional knowledge on digital currency

Digital currency is a currency that exists in digital form and records value attribution and realizes value transfer based on the network. The IMF officially defines it as "a digital expression of value."

The digital currency issued by the central bank is referred to as DCEP.

The concept of digital currency is very broad, and blockchain-based (non-legal) encrypted digital currency is only one of them.

5. How to define blockchain and what are the application scenarios of blockchain?

Many people now think that blockchain is a universal technology that can do anything. , which somewhat mythologizes blockchain technology!
Regarding the definition of blockchain technology, American scholar Melanie Swann defined blockchain technology as an open, transparent and decentralized technology in her book "Blockchain: A New Economic Blueprint and Introduction" database.

Blockchain definition: narrow vs. broad

As for the application scenarios of blockchain technology, it is natural to combine the characteristics of blockchain that are different from other technical systems.

Blockchain technology features include:

Blockchain is a global A database storage system that can be operated collaboratively in various places is different from traditional database operations where read and write permissions are in the hands of a company or a centralized authority (a characteristic of centralization). Blockchain believes that anyone with the ability to set up a server can participate. Nuggets from all over the world have deployed their own servers locally and connected to the blockchain network to become a node in this distributed database storage system; once joined, the node enjoys exactly the same rights as all other nodes and obligations (decentralized, distributed characteristics).

At the same time, people who provide services on the blockchain can perform read and write operations on any node in the system. In the end, all nodes around the world will complete the process again and again according to a certain mechanism. Synchronize in sequence to achieve complete consistency of data in all nodes in the blockchain network.

At the beginning of this year, the term blockchain began to enter everyone’s lives. From national leaders to aunts who dance square dances, everyone knows this term. This term is widely known by Bit Brought by coins.

As we all know, the first few dozen bitcoins could only be exchanged for one pizza. At its peak, it was more than 20,000 US dollars each, which has skyrocketed by more than a thousand times, which has also benefited a large number of wealthy people. Currently, there are blockchain The virtual currency generated by technology is gradually entering into everyone's life, and many people have joined the ranks of currency speculation. I often hear people say that if you buy the right currency a hundred times, a bicycle will become a sports car, and one coin will turn a young model. You can imagine how many of them are involved. Attractive.

Since 2008, various games applying blockchain technology have also become popular, such as development games (Network Letts Dog, 360 Block Cat), mining games (NetEase Planet, Virtual Earth, Gongxinbao), these are attracting everyone to join in the name of blockchain, and of course there are some that are really reliable, which requires everyone to identify them carefully.

Blockchain is a distributed ledger (database) that connects data blocks in an orderly manner and cryptographically ensures that it cannot be tampered with or forged. technology. In layman's terms, blockchain technology can achieve openness, transparency, non-tampering, non-forgery, and traceability of all data information in the system without the need for third-party endorsement. As an underlying protocol or technical solution, blockchain can effectively solve the problem of trust and realize the free transfer of value. It has broad prospects in the fields of digital currency, financial asset transaction settlement, digital government affairs, and certificate deposit and anti-counterfeiting data services.

Digital Currency

In experienceAfter replacing physical objects, precious metals, banknotes and other forms, digital currency has become the development direction of the digital economy era. Compared with physical currency, digital currency has the characteristics of easy portability and storage, low circulation cost, convenient use, easy anti-counterfeiting and management, breaking geographical restrictions, and better integration.

Bitcoin technically implements an electronic cash system in which both parties to the transaction can directly transfer funds to each other without the need for third-party transfer or arbitration. In June 2019, the Internet giant Facebook also released a white paper on its cryptocurrency Libra. Whether it is Bitcoin or Libra, the underlying technology they rely on is blockchain technology.

my country began the development of central bank digital currency as early as 2014. my country's digital currency DC/EP adopts a two-tier operating system: the central bank does not directly issue digital currency to the public. Instead, the central bank redeems the digital currency to various commercial banks or other legal operating institutions, and then these institutions exchange it for public supply. its use. In early August 2019, the central bank held a video conference on work for the second half of the year. The meeting called for accelerating the pace of research and development of the national legal digital currency.

Financial asset transaction settlement

Blockchain technology naturally has financial attributes, and it is causing disruptive changes in the financial industry. In terms of payment and settlement, under the blockchain distributed ledger system, multiple market participants jointly maintain and synchronize a "general ledger" in real time. Payment, clearing, and settlement that currently take two or three days can be completed in just a few minutes. tasks, reducing the complexity and cost of cross-bank and cross-border transactions. At the same time, the underlying encryption technology of the blockchain ensures that participants cannot tamper with the ledger, ensuring that transaction records are transparent and safe. Regulators can easily track transactions on the chain and quickly locate high-risk capital flows. In terms of securities issuance transactions, traditional stock issuance has long procedures, high costs, and complex links. Blockchain technology can weaken the role of underwriting institutions and help all parties establish fast and accurate information exchange and sharing channels. Issuers handle issuance on their own through smart contracts, and regulatory authorities With unified review and verification, investors can also bypass intermediaries and conduct direct operations. In terms of digital bills and supply chain finance, blockchain technology can effectively solve the financing difficulties of small and medium-sized enterprises. It is difficult for current supply chain finance to benefit small and medium-sized enterprises in the upper reaches of the industrial chain, because they often do not have direct trade relations with core enterprises, and it is difficult for financial institutions to evaluate their credit qualifications. Based on blockchain technology, we can establish a consortium chain network covering core enterprises, upstream and downstream suppliers, financial institutions, etc. The core enterprises issue accounts receivable vouchers to their suppliers. After the bills are digitized and uploaded to the chain, they can be uploaded to the supplier Transfer between them, each level of supplier can realize the corresponding amount of financing with the digital bill certificate.

Digital Government Affairs

Blockchain can make data run and greatly streamline the service process. The distributed technology of blockchain can allow government departments to be centralized on one chain, and all service processes are delivered to smart contracts. Workers only need to pass identity authentication and electronic signature in one department., the smart contract can be automatically processed and circulated, and all subsequent approvals and signatures can be completed in sequence. Blockchain invoice is the earliest application of domestic blockchain technology. The tax department launched the "Tax Chain" platform for blockchain electronic invoices. The tax department, the issuer, and the payee join the "Tax Chain" network through unique digital identities, truly realizing "instant invoicing for transactions" and "instant reimbursement after invoicing" - in seconds Level invoicing and minute-level reimbursement accounting greatly reduce tax collection and management costs, and effectively solve problems such as data tampering, over-reporting of one ticket, and tax evasion. Poverty alleviation is another practical application of blockchain technology. Utilize the characteristics of openness, transparency, traceability, and non-tampering of blockchain technology to achieve transparent use, precise investment, and efficient management of poverty alleviation funds.

Evidence-based anti-counterfeiting

Blockchain can prove the existence of a file or digital content at a specific time through hash timestamps, and it is open, non-tamperable, and traceable. It provides perfect solutions for judicial forensics, identity certification, property rights protection, anti-counterfeiting and traceability, etc. In the field of intellectual property, the digital signature of blockchain technology and on-chain certificates can confirm the rights of text, pictures, audio and video, etc., and create and execute transactions through smart contracts, allowing creators to regain pricing power and preserve data formation in real time. The evidence chain covers the three major scenarios of rights confirmation, transaction and rights protection. In the field of anti-counterfeiting and traceability, blockchain technology can be widely used in various fields such as food and medicine, agricultural products, alcohol, and luxury goods through supply chain tracking.

Data services

Blockchain technology will greatly optimize existing big data applications and play a huge role in data circulation and sharing. In the future, the Internet, artificial intelligence, and the Internet of Things will generate massive amounts of data. The existing centralized data storage (computing model) will face huge challenges. Edge storage (computing) based on blockchain technology is expected to become a future solution. Furthermore, the non-tampering and traceability mechanism of blockchain ensures the authenticity and high quality of data, which becomes the basis for all data applications such as big data, deep learning, and artificial intelligence. Finally, blockchain can realize multi-party collaborative data calculations while protecting data privacy, and is expected to solve the problems of "data monopoly" and "data islands" and realize the value of data circulation. In response to the current blockchain development stage, in order to meet the blockchain development and application needs of general business users, many traditional cloud service providers have begun to deploy their own BaaS ("Blockchain as a Service") solutions. The combination of blockchain and cloud computing will effectively reduce enterprise blockchain deployment costs and promote the implementation of blockchain application scenarios. In the future, blockchain technology will also play an important role in many fields such as charity, insurance, energy, logistics, and the Internet of Things.

The three words "blockchain" were completely ignited during the Spring Festival that just passed. The limelight overshadowed everything. Some people said that this was the arrival of a new era. The past It has become a classic, and some people say that it is all hype and is ultimately a bubble.

In fact, blockchain technology is not a new concept. It has been applied to many industries as early as the past two years, such as electronic signatures. Recently, the third-party electronic signature platform eShanbao revealed the latest progress of blockchain applications to NewSeed.

Currently, blockchain technology is mainly used in e-signing products for certificate deposit and certificate issuance. The application scenarios include copyright protection and online signing. , web page forensics, phone recording, email storage of evidence, etc.

Take the rights protection of online works as an example. Since online rights protection generally adopts the method of collecting evidence after the fact, real-time confirmation of rights is not carried out in the process of evidence generation, so the entire confirmation process is difficult. The copyright process is time-consuming, difficult and costly to obtain evidence, and extremely difficult to prove and trace the source. It cannot meet the characteristics of rapid dissemination and large quantity of online works.

eShanbao's new intellectual property protection solution based on timestamp + blockchain starts from the user's real-name authentication and solidifies the information generated in the process in real time. Electronic data, and through the time source service synchronized with the National Time Service Center, online works are stamped with legally valid timestamps to prove that electronic files have not been tampered with in a certain period of time. Blockchain technology can establish point-to-point trust in the network, ensuring that all blockchain nodes can record complete copyright confirmation and transaction records, and can trace their origins, truly realizing anti-repudiation and anti-tampering, and realizing a kind of distribution. trust infrastructure.

Founder and CEO Jin Hongzhou believes that the application of decentralized blockchain technology has greatly improved the efficiency of data storage and certification, and The credibility of the identity of the parties reduces the cost of trust, but it cannot replace the original centralized public key encryption technology. The two should complement each other. Through the combination of the two, it can provide users with real-time and reliable Confirmation plan.

Next, e-Shanbao will also focus on building a smart contract platform based on blockchain technology. Jin Hongzhou said that data storage, Issuing certificates is only a relatively superficial application based on blockchain technology. It is the first step to implement blockchain technology, and the realization of real smart contracts is the second step. "Smart contracts cannot simply be understood as electronic contracts. They refer to a process, from the conclusion of the contract to the confirmation to the final execution." Jin Hongzhou explained.

From a technical perspective, blockchain is not a brand-new technology, but a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and smart contracts. Specifically, blockchain technology is a technical solution that collectively maintains a reliable database in a decentralized, high-trust manner.

Due to its "decentralization" and "distribution"With advantages such as "automatic data storage", "traceability", "tamper resistance", and "openness and transparency", blockchain technology can effectively solve the problems of data authenticity, security and openness in the data field. A data management environment to prevent and avoid various data management problems such as data fraud, tampering, and loss, and promote efficient sharing and application of data. In the process of practical exploration, the application scope of blockchain technology continues to expand, especially in the field of public resource transactions. Empower public resource transaction management services.

Promote transaction data sharing and transaction witness

Promote transaction data sharing

Currently, the data of different trading centers are not interoperable, and the subject information of different trading centers needs to be entered repeatedly. During the bid evaluation process, it is difficult to verify the off-site performance provided by the bidders, and the same personnel are duplicated. Problems such as difficulty in troubleshooting as a project manager and low cost of breach of trust by transaction entities. Establishing a cross-regional entity database based on blockchain can well alleviate the above problems.

The distributed ledger features based on blockchain can Effectively guaranteeing the real-time or quasi-real-time sharing of data, it can reduce repeated entry operations of subject information; the use of blockchain information that cannot be tampered with can ensure the authenticity of the data flow process on the chain. The performance of bidders in the regional alliance is directly taken from the data on the chain. This makes it impossible to hide false performance. At the same time, the sharing of bidding behavior data through the blockchain provides a data basis for the development of "joint punishment of dishonest enterprises".

Blockchain-based transaction witness

The document "Guiding Opinions on Deepening the Integration and Sharing of Public Resource Trading Platforms" (State Office Letter [2019] No. 41) points out the need to optimize witness, venue, Information, archives, expert extraction and other services. However, at present, public resource transaction process witnessing is mainly based on manual on-site witnessing, which has limited witnessing strength, high occupation of human resources, and limited witnessing effect. Due to its centralized characteristics, the traditional digital witnessing system is easy to collect data afterwards Be tampered with, and the data is easily damaged or lost during the storage and migration process, which has certain flaws in terms of security and usability.

Utilize the distributed, difficult to tamper, and traceable characteristics of the blockchain to verify each transaction The data generated in the link are solidified and stored as evidence, and the time, content, and data source of the data are accurately recorded through time stamp technology, summary algorithm, and electronic signature technology. According to the technical characteristics of the blockchain, simple structured data can be directly saved On the blockchain, the summary information of unstructured layout files, videos, audio and other large files is saved through the blockchain, and the original files are saved through the distributed file storage service. When there are disputes or problems in the transaction, Blockchain can provide a set of credible transaction process data and clarify the responsibilities of all parties involved in the transaction. It can realize risk prevention and control in all aspects and traceability of the entire process.The goal of checking and improving all-round services.

Promote the rationalization of electronic guarantee rates

Promote financial services and corporate financing for bidding companies

Promote the rationalization of electronic guarantee rates

At present, electronic bidding deposit guarantee letters have certain applications in the field of bidding, solving the problem of bidding deposit funds for bidding companies. Occupancy issues. However, because financial institutions currently do not have reliable historical bidding behavior data of bidders, they are unable to judge the default risks of different bidders. As a result, the guarantee services charged to bidders adopt fixed rates, which makes a small number of bids with high default risks The cost of personal guarantee is allocated to most bidders with low default risk, which increases the guarantee rates for most bidders to a certain extent.

At present, it is up to the bidder to choose whether to use an electronic letter of guarantee, and the rate is the main choice basis for the bidder. If the bidder performance records are shared through the blockchain and the performance risks of different bidders are analyzed, it will be Different bidders provide different guarantee rates, which not only reduces the risks of financial institutions, but also reduces the use costs of most bidders and promotes the use of bid guarantees. To a certain extent, it can also encourage bidders to abide by their promises and maintain the order of the bidding market. .

Promote financial services for bidding companies

The bidding behavior of bidders is scattered in various trading centers, and the data is simply aggregated In a centralized information system, there is a risk of data tampering (untrustworthy), and valuable bidder transaction behavior data cannot be gathered and shared safely and reliably. Through blockchain technology, bidders from multiple trading centers are gathered, and historical bidding, winning bids, defaults, violations and other behavioral records provide data support for financial institutions to evaluate the bidders' credit in the bidding sub-sector.

Solving the financing problems of successful bidders

Traditional corporate loans mainly evaluate the company's solvency: collateral, audit There are requirements for accurate financial statements and sustained profitability, but most small and medium-sized enterprises cannot provide these "proofs" at all. Difficulty and expensive financing have become problems faced by many small and medium-sized enterprises in bidding activities. Using the methods of the past will no longer work. To solve the financing difficulties of small and medium-sized enterprises, we can only rely on new technologies and new tools. With the help of the non-tamperable characteristics of blockchain, primary business data from multiple trading centers are gathered, and big data analysis technology is combined to build a portrait of a credible bidder. On the one hand, it improves the risk control level of financial institutions and taps high-quality bidding companies. On the other hand, it lowers the loan threshold for bidding companies and optimizes the service experience.

Drawing on the supply chain finance model, the tenderers are government departments, national enterprises and institutions with good credibility.As a core enterprise, the winning contract obtained by the successful bidder as a supplier is considered by financial institutions to be a high-quality asset and applies for loans from financial institutions. Under the traditional paper-based model, there is a risk of order and contract fraud and the process is cumbersome. Centralized information systems require operators to have strong authority. The distributed ledger and difficult-to-tamper characteristics of the blockchain will help solve the above problems. The contract signing between the tenderer and the bidder and the subsequent financial service links will be realized on the blockchain, which not only solves the problem of data trustworthiness but also reduces the risk of corruption. The entire system relies on a centralized authority.

Through further analysis, we found that credit sales are currently prevalent among domestic enterprises, and the upstream suppliers of the winning bidder have a large funding gap. The credit of the bidder can only be passed to the winning bidder (the winning contract cannot be split or transferred), and the upstream suppliers Business owners are unable to obtain high-quality loans from financial institutions. If the winning contract is converted into a "pass" on the chain, the "pass" can be split, and the winning bidder holding the "pass" can pay part or all of the voucher to the upstream supplier, making it discountable and financing. The "tokens" on the chain can be split and transferred from first-level suppliers to second-level (and multi-level) suppliers, thereby allowing core enterprise credit to be transferred to multi-level suppliers. The shortage of funds from suppliers due to credit sales has been solved, improving the business environment; through value transfer through the blockchain, the financing cycle has been greatly shortened; the cost of supplier loans has been reduced, which will help reduce the production costs of raw materials or intermediate products, and ultimately Increase bidders' profit margins and indirectly reduce bidders' costs.

Regarding blockchain, we can imagine a decentralized management model and technical processing method.

Let me give you an example. There are five people in your family, and they have never been able to figure out how to arrange work and handle family relationships.

So, you and your family discuss it together and simply use voting to solve the problem.

Then this way of voting to solve problems can be called the most elementary blockchain.

Decentralization solves problems.

What application scenarios can blockchain have?

In fact, many of our families and many organizations use blockchain management forms every day

However, this kind of blockchain application for organizational relationships cannot produce Economic Value.

What are the economic applications of blockchain?

The first type is used for tax deposit certificates, bank transfers, etc.

Make full use of the traceability function of the blockchain so that all records can be retrieved and queried at any time

The second type is applied to enterprise operation and management

Enterprises using blockchain management can better solve the problems of enterprise development and allow enterprises to Able to develop faster and make more money.

Summary: BlocksThe application scenarios of the chain include taxation, bank transfer, etc., and can also be applied to business operations.

The characteristics of blockchain are distributed accounting and decentralization, but the ultimate goal is to make people get along more equally. Technology is meaningful only when it serves human values, and technology that meets human value needs will develop. Therefore, blockchain is in line with human pursuit of freedom and equality, so its trend to become mainstream is unstoppable.

Currently, there are many blockchain gimmicks, which are basically used to issue coins. The newly launched ono is a decentralized, free and global social platform. Due to decentralization, your chat communication information is peer-to-peer and cannot be viewed by others. In other words, your every word and deed will no longer be recorded and reviewed at any time like it is now on WeChat, QQ, and Facebook, freeing you from the trouble of surveillance.

In fact, blockchain technology can be used in any field. Information that previously required third-party confirmation can be completed online and confirmed at multiple nodes, making it difficult (almost impossible) to delete.

At present, blockchain is still in its infancy, and the technology is not mature enough, but it is also a better time to enter.

Blockchain is a decentralized technology. Blockchain can be applied to all products currently covered by the Internet.

The most popular application industry at present is the financial industry.

An application that has been implemented is product traceability. Alibaba and JD.com are already using blockchain technology to fully trace the origin of some of the products they sell. Consumers can trace the origin of the purchased products. There are also many blockchain applications in the digital advertising industry. Since traffic fraud in digital advertising causes losses of tens of billions of dollars every year, there are already blockchain application projects based on digital advertising, such as DCAD, which is based on blockchain. The digital advertising application of blockchain technology mainly solves the problem of traffic fraud

In the future, as the application of blockchain technology becomes more mature, it will be applied in many industries, creating a new ecosystem based on technological trust. Mode

What is blockchain

If you explain blockchain in non-technical terms, blockchain is a place where data is stored. However, the data stored in the blockchain is safe and reliable and does not need to be managed by anyone. Therefore, in the Internet, a place where data and information are exploding, having such a place will be like a magical treasure land.

What can the blockchain do?

If you ask what the blockchain can do, it is better to say what applications require the use of the blockchain. As mentioned earlier, blockchain is a safe place, so wherever data needs to be protected securely on the Internet, blockchain technology needs to be used. For example:

Because the use of blockchain technology can better collect the data of low-income policyholders, in today’s Internet, data is value and wealth.Therefore, value protection and value transmission are the future development directions of the Internet, and blockchain technology can truly achieve this.

If there are any deficiencies, you are welcome to comment and correct me.

In a narrow sense, blockchain is a chained data structure that combines data blocks in a sequential manner in chronological order, and is cryptographically guaranteed to be non-tamperable and non-tamperable. Fake distributed ledger.

The two parties involved in the transaction do not need to know who the other party is, nor do they need a third party for trust endorsement. They only need to trust a common algorithm to establish mutual trust and conduct direct transactions.

Its characteristics are trustlessness and decentralization. The destruction of each node's ledger has no impact on the entire blockchain. The blockchain runs point-to-point payments without a center that may cheat, and the security is greatly improved. Improved, the entire transaction network has changed from a star structure to a point-to-point P2P structure.

In the future, blockchain will be used in many fields and will have a great impact on human life. . It can be widely used in fields ranging from digital currency to securities and financial contracts, medical care, games, artificial intelligence, smart contracts, Internet of Things, e-commerce, file storage and other fields.

1. Cloud storage

This is the statistics of current cloud storage on the Internet. In terms of volume, Google has the largest volume, which is 8,000PB. So what if we share the idle data on the Internet?

Starlight Cloud builds a blockchain data computing and storage lake through Starlight Chain, with a total storage capacity of 15,000P (approximately 15.72864 billion G) in the future. This will be more than 10 times that of Alibaba Cloud's 1500PB! It is also more than four times the size of the Taizhou Storage Center, the largest storage lake in the world after expansion.

2. Medical aspects

Using blockchain technology to save personal medical records also retains personal medical historical data, which can be used when seeing a doctor or planning for your own health in the future. Historical data can be called directly. These data are highly private, and the use of blockchain technology also helps protect patient privacy.

6. What is Binance Chain

Binance Chain is a blockchain launched by Binance Exchange in April 2019. Binance Smart Chain is a new blockchain with a mature environment for developing high-performance decentralized applications. It is designed for cross-chain compatibility with Binance Chain to ensure users get the best of both worlds.

It exists mainly to solve the ecological problems of exchanges, assist more project parties to issue digital tokens more easily, and achieve easier token transactions through the decentralized exchange DEX on the chain. flow. For the project side, Binance Chain is only the issuing place for the project side’s tokens, and the functionality of the project is developed through APP-like products.In other words, Binance Chain is more like a supporting role.

Binance Smart Chain can be understood as an upgrade of Binance Chain. Binance Chain has not achieved the ideal goal after nearly two years of development, and in the context of the gradual rise of DeFi on the Ethereum chain Next, Binance Chain decisively transformed and upgraded to open up the smart contract function, opening up the link between Binance ecosystem and DeFi.

Extended information:

1. Digital currency is referred to as DC, which is the abbreviation of "Digital Currency" in English and is an alternative currency in the form of electronic currency. Digital gold coins and cryptocurrency are both digital currencies.

Digital currency is an unregulated, digital currency that is usually issued and managed by developers and accepted and used by members of specific virtual communities. The European Banking Authority defines virtual currency as: a digital representation of value that is not issued by a central bank or authority and is not linked to a legal tender, but which, because it is accepted by the public, can be used as a means of payment or can be transferred, stored or traded electronically. .

2. According to the relationship between digital currency and the real economy and real money, it can be divided into three categories:
1. Completely closed, has nothing to do with the real economy and can only be used in certain situations. Used within virtual communities, such as World of Warcraft gold;
2. It can be purchased with real money but cannot be exchanged back to real money. It can be used to purchase virtual goods and services, such as Facebook credit;
3. It can be purchased at a certain ratio with Real currency can be exchanged and redeemed to purchase virtual goods and services, or real goods and services, such as Bitcoin.

3. The process of trading digital currency through the platform is as follows:
1. Investors must first register an account and obtain a digital currency account and a US dollar or other foreign exchange account.
2. Users can use money in their cash accounts to buy and sell digital currencies, just like buying and selling stocks and futures.
3. The trading platform will sort the buy requests and sell requests according to the rules and start matching. If the requirements are met, the transaction will be completed.
4. Due to the difference between the buy and sell volumes submitted by the user, a buy or sell request may be partially executed.