区块链与数字化货币发展前景如何,区块链与数字化货币发展前景的关系

随着科技的发展，区块链和数字货币的出现也引起了全球的关注。区块链作为一种新型的信息存储和管理技术，可以有效地保证交易的安全性和可追溯性，而数字货币则可以作为一种新型的货币，可以实现跨境支付和货币兑换。因此，区块链和数字货币的发展前景是非常广阔的。

首先，区块链技术可以用于改善金融服务。区块链可以提高金融服务的安全性，节省金融机构的运营成本，提升金融服务的便利性和效率，改善金融体系的可信度。由于其可靠性和可追溯性，区块链技术可以用于跨境支付、资金管理、投资管理等金融领域，从而改善金融服务的安全性和效率。

其次，数字货币可以改善货币流通和资金投资。数字货币作为一种新型的货币，可以实现货币兑换和跨境支付，改善货币流通和投资管理。此外，数字货币也可以用于投资，由于其货币流动性和可追溯性，可以更好地控制风险，提高投资的效率。

最后，区块链和数字货币的发展还可以改善传统行业的效率。区块链技术可以用于改善传统行业的数据管理、供应链管理和质量控制等，从而提高传统行业的运营效率。此外，数字货币也可以用于支付，可以替代传统的现金支付，提高支付的便利性和安全性。

总之，区块链和数字货币的发展前景是非常广阔的。它们可以改善金融服务和货币流通，改善传统行业的效率，提高投资的效率，从而为社会带来更多的福利。

『一』What is the future prospect of the blockchain industry

Main companies in the industry: Tianzhou Culture (300148), Meiya Pico (000607), Hua Media Holdings ( 300188), Digital Video (300079), Jinyun Laser (300220), Nantian Information (000948), Borui Communication (600880), Annie Shares (002235)

The core data of this article: Global Blockchain Market Scale, regional distribution of global blockchain investment and financing events

The scale of the global blockchain industry is growing rapidly, and application scenarios continue to expand

According to IDC data, in 2020, global blockchain The market size showed steady growth, reaching US$4.31 billion. Affected by the new round of regulatory policies on the blockchain industry in European and American countries, the growth rate of the global blockchain market has declined compared with 2019, reaching 53.97%, and is expected to reach US$14.533 billion in 2023.

Equity investment events account for nearly 93%

In 2021, a total of 1,786 investments and financings occurred in the global blockchain. Among them, there were 1,659 equity investments, accounting for nearly 93% of the total investment and financing. In addition, there were a total of 64 mergers and acquisitions, 13 listings and 50 token financings.

Equity investments in the Americas, Europe and Asia are the most active

Judging from the regional distribution of the number of equity investment events, the Americas have the largest number of blockchain equity investments, with a total of 542 in 2021. Pens, accounting for 33%. Followed by Asia and Europe, accounting for 18% and 15% respectively, there is not much difference. Overall, the number of equity investments in the three continents of the United States, Europe and Asia accounts for more than 65% of the global blockchain investment and financing.

From the perspective of amount distribution, the amount of blockchain equity investment in the Americas in 2021 reached 128.975 billion yuan, accounting for more than 50%, reaching 56%. In terms of equity investment amount, Europe overtook Asia, accounting for 24% of the investment amount, which was double that of Asia (12%).

The United States "far surpasses Tongji"

At the national level, the United States ranks first with 484 equity investments and a total investment amount of 116.773 billion yuan. Far exceeding the second-place China with 97 investments and investment amount of 11.285 billion yuan, Singapore and the UK ranked third and fourth with 91 investments and 88 investments respectively. In addition, the number of equity investments in other countries is less than 50.

The above data refers to the "China Blockchain Industry Market Foresight and Investment Strategic Planning Analysis Report" by the Qianzhan Industry Research Institute.

『二』How to view the application prospects of digital currency in the future

Studying digital currency does not mean that currency can realize the application of a certain technical solution, but that it is essentially to pursue Convenience, speed and low cost of retail payment systems. Security and protecting privacy must also be considered. These things can be in the form of blocksThis kind of digital currency based on chain or distributed accounting technology or DLT can also be a technology evolved on the basis of existing electronic payment. At present, there are some preliminary classifications of the technical routes of digital currency internationally, indicating that there may be multiple possible systems. It should be said that the development of digital currency is inevitable due to technological development. In the future, things in the form of traditional banknotes and coins may gradually shrink, and may even cease to exist one day. This possibility also exists.
During the entire process, attention must be paid to overall financial stability and risk prevention. At the same time, as a currency, digital currency must ensure the transmission mechanism of monetary policy and financial stability policy, and at the same time protect consumers. Some technical solutions may take too big a risk, causing consumers to suffer losses when something goes wrong. Especially for the economy of a large country, we must avoid substantial and irreparable losses, so we must be cautious. In this process, it must undergo sufficient testing and partial testing. After it is reliable, it can be promoted. In 2017, the People's Bank of China organized a research project on digital currency and electronic payment. It was officially approved by the State Council and is currently being organized to promote it. Qixing
You may have also seen in the market that digital currency has caused a lot of discussion in some aspects, a lot of risks, and a lot of price fluctuations. The main reason is that some current technology applications do not focus on the application of digital currency in retail payments, but focus on virtual asset transactions. We believe that virtual asset trading needs to be more cautious in this direction. From a Chinese perspective, virtual asset trading is not in line with the direction that our financial products and financial services should serve the real economy. Therefore, during the entire process, there is no need to be too anxious. Steady research and development, orderly testing, and grasping the direction must be emphasized. Financial services serve the real economy, improve efficiency, reduce costs, and prevent it from becoming a product that is overly speculative.

『三』A paper on the prospect analysis of blockchain in the financial field

A paper on the prospect analysis of blockchain in the financial field

Blockchain technology was born in In 2008, the first application was Bitcoin. Blockchain technology uses a decentralized consensus mechanism to maintain a complete, distributed, and non-tamperable ledger database, allowing participants in the blockchain to implement a unified ledger system without establishing a trust relationship. . In 2015, many mainstream financial institutions in Europe and the United States recognized the application prospects of this technology and explored the application of blockchain technology in the financial field. The International Monetary Fund pointed out in a report that "it has the potential to change finance." Some people believe that blockchain technology will change human society as profoundly as double-entry accounting and shareholding.

Blockchain will make it possible for all individuals to become important nodes in the allocation of financial resources. It will also promote the improvement of the existing financial system and financial rules, and build a shared and win-win situation. financial developmentecosystem. The emergence of blockchain technology is a revolution in human credit creation. It allows both parties to the transaction to carry out economic activities without the need for third-party credit intermediaries, thereby achieving low-cost value transfer. It can be said that blockchain technology is a more efficient value exchange technology in the Internet era. The Internet has evolved from an information Internet that transmits information to a value Internet that transfers value. This is conducive to traditional financial institutions taking advantage of the opportunity to transform and transform endogenous businesses. Processes and application scenarios are Internetized.

1. Characteristics and shortcomings of blockchain

(1) Main characteristics of blockchain

(1) Decentralization. In the blockchain, there is no centralized hardware or management organization. The distributed structure system and open source protocol allow all participants to participate in the recording and verification of data, which is then sent to various nodes through distributed propagation. Each participant The nodes are all "self-centered", and the rights and obligations are equal. Blockchain is not simply decentralized, but multi-centered or weakly centered. When the Internet of Things makes it possible for all individuals to become central nodes, the central status of traditional financial intermediaries changes, transforming from a monopoly-type, resource-advantaged center and strong intermediary to an open platform, becoming a service-oriented multi-center. Center of differentiation.

(2) To trust. From a trust perspective, blockchain uses a set of open and transparent mathematical algorithms based on consensus specifications and protocols to enable all nodes to automatically and securely exchange data in a trustless environment. Blockchain essentially solves the problem of trust through mathematical methods. All rules are expressed in the form of algorithmic programs. Participants do not need to know the credit level of the counterparty, and do not need transaction endorsement or guarantee verification from a third-party institution. They only need trust. A common algorithm creates credit, generates trust, and reaches consensus for participants through the algorithm.

(3) Timestamp. Blocks are generated by packaging data and code within a period of time. The header of the next block contains the index information of the previous block, and a chain is formed by connecting the end to the end. The blocks that record the complete history and the chain that can be completely verified form a timestamp that can trace the complete history. It can provide retrieval and search functions for each piece of data, and can use the blockchain structure to trace the source, one by one. verify. Therefore, the blockchain is timestamped when generated, forming a database that cannot be tampered with or forged. Modifications to the database on a single node are invalid unless more than 51% of the nodes in the system can be controlled at the same time, so the data reliability of the blockchain is very high.

(4) Asymmetric encryption. The blockchain uses an asymmetric encryption algorithm, that is, a "key pair" is used in the encryption and decryption process. The two keys in the "key pair" have asymmetric characteristics. In the application scenario of blockchain, on the one hand, the key is the public key visible to all participants. Participants can use the public key to encrypt a piece of authenticity information, and only the owner of the information can use the private key to decrypt it. On the other hand, the private key is used to sign the information, and the signature is verified by the corresponding public key to ensure that the information is issued by the real holder.. Asymmetric encryption minimizes friction boundaries in value exchange, enables transparent data anonymity, and protects personal privacy.

(5) Smart contract: Since the blockchain can realize point-to-point value transfer, corresponding programming scripts can be embedded during transfer. This smart contract method is used to handle some unforeseen transaction patterns and ensure Blockchain can continue to be effective. This kind of programmable script is essentially a list of many instructions to achieve pertinence and conditionality in value exchange and to achieve specific uses of value. Therefore, any value exchange activity based on the blockchain can achieve hard control over its use, direction and various restrictions through intelligent programming, eliminating the cost of soft constraints by law or contract.

(2) Main problems of blockchain

(1) High energy consumption problem. There is an impossible triangle in the traditional currency and banking system, that is, it is impossible to achieve decentralization, low energy consumption and high security at the same time. The impossible triangle also exists in the construction of blockchain. For example, in the actual application of Bitcoin, its development has brought about the rapid expansion of computer hardware, and the main costs in the "mining" process have shifted to hardware costs and electricity costs. Therefore, after applying blockchain technology to achieve equity cost benefits, maximizing its technical efficacy has become an urgent problem to be solved.

(2) Storage space problem. Since the blockchain records every transaction information from the initial information in the system, and each node has to download, store and update data blocks in real time, if the data of each node is completely synchronized, the network pressure will be great, and each node will The storage space capacity requirements of each node may become a key issue restricting its development.

(3) The problem of stress resistance. The system built based on the blockchain follows the barrel theory and must take into account the worst processing speed and network environment among all network nodes. Therefore, if the blockchain technology is promoted to a large-scale transaction environment, its overall stress resistance It remains to be verified. If the transaction volume generated per second exceeds the design capacity of the system (the weakest node), transactions will automatically enter the queue and be queued, resulting in a poor user experience.

2. Application of blockchain in the financial field

(1) Financial infrastructure

Blockchain may serve as the infrastructure of the Internet in many fields. All show broad application prospects. In the financial industry, blockchain technology will first affect financial infrastructure such as payment systems, securities settlement systems, and transaction databases. Later, the technology will also expand to general financial services, such as credit systems, "anti-money laundering," etc. This is because, based on the characteristics of blockchain technology, it will first enter the infrastructure field with high trust requirements and high cost of traditional trust mechanisms. In the past, infrastructure was a public product, but new technologies and new systems of blockchain make it more It is possible for multiple people to participate in the provision of public goods. The future of Internet finance is to use Internet technologies such as blockchain to transform the core production systems of traditional financial institutions and structure financial enterprises on the Internet.superior.

The current information Internet can be collectively referred to as the TCP/IP model, and HTTP is the most important application protocol in the application layer. In the Internet of Value, blockchain is a point-to-point transmission protocol in the application layer. Its value is the same as that of the HTTP protocol in the information Internet. The huge potential and prospect of blockchain is that it can reconstruct the infrastructure and core production systems of the traditional financial industry, not just at the application level such as APPs. This is because, at the network level, the blockchain is based on the IP communication protocol and the distributed network; at the data level, the blockchain database system is brand new and is significantly better than the existing one. There is a database for the financial system; at the application level, blockchain-based registration, settlement, clearing systems, smart contracts, and the Internet of Things can greatly improve efficiency. Financial activities on the blockchain are programmable finance. .

(2) Digital Currency

From the perspectives of security and cost, it is a general trend that banknotes will be replaced by new technologies and new products. The establishment of digital currency issuance and circulation systems is very necessary for financial infrastructure construction and economic development. Following the idea of ​​integrating traditional currency and digital currency, the issuance, circulation and trading of digital currency should be led by the central bank, reflecting convenience and security, and achieving a balance between protecting privacy, maintaining social order, and combating illegal and criminal activities. It is conducive to the effective operation and transmission of monetary policy. It is necessary to retain the control of monetary sovereignty. Digital currency is freely convertible and controllable.

The success of blockchain technology on Bitcoin proves the feasibility of programmable digital currency. Research from the Bank of England suggests that central banks could consider issuing blockchain-based digital currencies, which could increase financial stability. The technical routes of digital currency can be divided into two types: account-based and non-account-based. They can also be used in layers to try to coexist. The characteristic of blockchain technology is distributed bookkeeping, which is not account-based and cannot be tampered with. If the digital currency focuses on protecting personal privacy, this technology can be used. However, the current blockchain occupies too many computing resources and storage resources and cannot cope with the current scale of transactions. This problem needs to be solved before it can be promoted and applied.

(3) Self-finance

From the perspective of services and non-monetary creation, modern finance is realized through intermediaries. In the Internet era, it is possible to achieve direct finance in the true sense of disintermediation. However, this possibility is not complete. The main reason is that the current Internet finance is based on the original finance and cannot be jumped out. Blockchain technology provides a possibility. Blockchain can be divided into public blockchain and private blockchain. Public blockchains are like Bitcoin. Once the protocol is approved, it becomes an integral part of the blockchain. Private blockchains still need to be permissioned, and blockchain technology in banking systems requires auditing of each participant. Private blockchain is very similar to a form of self-finance, and public blockchain is moreSimilar to the support and guarantee for the bottom layer of private blockchain. When blockchain technology is widely used and third-party financial management technology is generally available, self-financing based on blockchain technology will become completely possible.

3. Blockchain Application and Financial Supervision

Blockchain technology is currently the only tool that can be used to record and prove transaction consistency and company financial accuracy without the need for a third party. Therefore, it can meet the requirements of potential regulators and the public for audit effectiveness, accuracy and timeliness, and has broad application prospects in the financial field. However, its development is still restricted by the current system. On the one hand, blockchain has had an impact on the current system because its decentralized and autonomous characteristics dilute concepts such as the state and supervision. For example, digital currencies represented by Bitcoin challenge the country's right to issue currency and regulate monetary policy, causing monetary authorities to take a conservative attitude towards the development of digital currencies. On the other hand, regulatory authorities also lack full understanding and expectations of this new technology, and the establishment of laws and systems will be seriously delayed, resulting in the lack of necessary institutional norms and legal protection for blockchain applications, increasing the risks for market entities.

Once blockchain financial technology is widely deployed in the financial industry, the de-financial nature of supervision will occur, and supervisory functions, supervisory methods and supervisory means will be redefined. For example, if securities lending, repurchases, and margin trading can be traded through the blockchain, regulatory authorities can consider using the information from this public ledger to monitor systemic risks in the market, which is not only efficient but also reliable. From a macro-financial perspective, after the emergence of the financial era, the currency creation and transmission mechanism and the credit creation pattern will change. From a micro-finance perspective, with the further development of blockchain technology, finance and business have become difficult to distinguish, and will transcend the meaning of separate and mixed industry supervision. The reform of the financial supervision system needs to be discussed from this perspective.

The "decentralization" brought about by blockchain technology still requires centralized departments to provide regulatory and guarantee support. Regulators can proactively embrace new technologies in Internet finance. U.S. Securities and Exchange Commission member Kara Stein believes that regulators need to be in a leading position, taking advantage of the advantages of blockchain technology and quickly responding to its potential weaknesses. For example, blockchain technology hopes to break privileges and human manipulation and allow computer algorithms to achieve "free credit notarization." But in practice, due to the lack of supervision, digital currency transactions such as Bitcoin face high risks of speculation and money laundering. Therefore, the application of blockchain technology requires regulatory authorities to formulate relevant standards and specifications to ensure that financial innovative products are used appropriately. At the same time, it is necessary to improve the protection of consumer rights and interests, strengthen education on the protection of financial consumer rights and interests, and improve consumers' awareness of risk prevention.

『四』Is blockchain useful? What is the impact and prospects of blockchain?

I believe everyone is no longer unfamiliar with the emerging technology of blockchain, because This is the hottest topic at the moment, and many big names in different industries are discussing its role and prospects.Analysis, today we also do an analysis on the blockchain on whether the blockchain is useful and what the impact and prospects of the blockchain are. We hope it can help everyone.
Is blockchain useful?
1. Banking: As a digital, secure and interference-proof account, blockchain realizes the core function of the banking industry: a safe storage and transfer center of value. In other words, in the next few years, a wave of companies based on blockchain technology may affect the banking industry.
2. Payment and transfer: Blockchain technology can avoid complicated systems and create a more direct payment process between the payer and the payee. Whether it is a domestic transfer or a cross-border transfer, this method has its advantages. Low price, fast, and no intermediate handling fees.
3. Network security: Although the blockchain system is public, its verification, sending and other data exchange processes use advanced encryption technology. This technology not only ensures the correct source of data, but also ensures that the data is not intercepted during the process. If blockchain technology is more widely used, the probability of being attacked by hackers may also decrease, so people believe that blockchain systems are more stable than traditional systems. One of the reasons why blockchain systems can reduce traditional network security risks is that they eliminate the need for middlemen.
4. Election: Everyone's vote "can never be modified or deleted by us - programmers, school administrators or students."
5. Smart contract: Smart contracts are actually on another object. A computer program that performs functions on the go. Like ordinary computer programs, smart contracts are also an "if-then" function, but blockchain technology enables the automatic filling of these "contracts" without manual intervention. Such contracts may eventually replace the legal merger industry's core business of drafting and managing contracts in both commercial and civil areas.
6. Stock trading: For many years, companies have been trying to simplify the process of buying, selling and trading stocks. Emerging blockchain technology startups believe they can go beyond the past, automating the entire process, improving security and efficiency.
What impact and prospects does blockchain have?
1. The dual impact of bringing wealth and risk:
The difference between blockchain technology and traditional Internet technology is that it chooses the high-risk financial industry as the entry point, but the financial field is full of Areas with many obstacles. Such direct entry has a dual impact: on the one hand, it can bring wealth effects to entrepreneurs relatively quickly; on the other hand, various risks will also come directly and violently.
2. Improve efficiency and reduce costs:
For physical finance, blockchain can maintain the fidelity in the process of transmitting information, such as personal credit information and other data, thereby avoiding many transaction costs and enabling large-scale Improve efficiency, this is the positive meaning it brings.
3. Control financial risks early and small:
Blockchain is cooperating with the innovation of digital currency, preventing over-insurance in the insurance industry, over-lending in bank mutual funds loans, and the integration of supply chain finance. , promote electronicIdentity recognition, etc., applicable to many industries and fields. In terms of financial security, many companies have also cooperated with regulatory authorities to build regulatory technology systems to help regulatory authorities monitor and provide early warning for the risks of Internet financial companies, so as to control financial risks early and at an early stage.
4. The owner of the data should be the user himself:
Blockchain is a technology worthy of attention, and it has relevant layouts in its own business and investment. Bitcoin and other electronic currencies are applications based on blockchain technology. They have certain currency functions and have certain use value. However, the main problem now is that the gap between the use value and the transaction price is too big. . ICO is a financing business model.
5. The darkest stage contains the most opportunities:
The darkest stage often contains the most opportunities. The application of blockchain is far more than just monetary and financial. For example, big data can be applied to the entire medical industry in the future. health field. If medical records and diagnosis data are shared to all different medical systems through the big data blockchain, the efficiency of treating diseases and saving lives can be greatly improved.
The editor believes that the correct development prospect of blockchain is to "talk less about financial innovation, focus more on financial security, focus more on inclusive finance, and do more on medical care, health, and environmental protection."
The above is the blockchain brought to you by the editor. Is it useful? What impact and prospects does blockchain have? of the entire content.

『五』What is the development trend of blockchain, and how about Heshu chain technology

The development trends of blockchain are:
01. Blockchain industry Long-term improvement, core values ​​are generally recognized;
02. Technology development is more pragmatic, with engineering and ecological construction becoming the focus;
03. Blockchain and privacy computing develop collaboratively;
04. Blockchain interconnection has become the focus, and the future of value interconnection is promising;
05. The call for blockchain infrastructure is gradually rising, and the construction model still needs to be explored in depth;
06. Blockchain cannot conquer the world; Cooperate with multiple technologies to complete digital transformation;
07. The application of certificate storage takes the lead, and gradually moves towards multi-party collaboration and value transfer;
08. The importance of the blockchain alliance business model is further highlighted;
09 , Government support will still be an important driving force for industrial development in the future;
10. As the scale of blockchain practitioners increases, the relative shortage of talents will continue to exist.

(5) Blockchain and digital currency development prospects Extended reading:
Blockchain is a chain composed of blocks one after another. Each block stores a certain amount of information, and they are connected into a chain in the order in which they were generated. This chain is saved in all servers. As long as one server in the entire system can work, the entire blockchain is safe. These servers are called nodes in the blockchain system, and they provide storage space and computing power support for the entire blockchain system. If you want to modify the information in the blockchainTo obtain information, it is necessary to obtain the consent of more than half of the nodes and modify the information in all nodes, and these nodes are usually in the hands of different subjects, so it is extremely difficult to tamper with the information in the blockchain. Compared with traditional networks, blockchain has two core characteristics: first, data is difficult to tamper with, and second, it is decentralized. Based on these two characteristics, the information recorded in the blockchain is more authentic and reliable, and can help solve the problem of people's mutual distrust.
Blockchain is still mainly used for certificate storage. For example, the application of blockchain in supply chain finance, product traceability, trade finance and other fields has achieved certain results, but its application model is still based on documents, contracts, The main thing is the deposit certificate of the bill. As the industry application of blockchain continues to deepen, in order to further promote the role of blockchain in promoting the development of the real economy, in the future, we will focus on the development of multi-party collaboration and value transfer applications.
Blockchain is not just a technology, but also a concept and a cooperation model. Blockchain will connect upstream and downstream parties in the industry, and it is necessary to rely on the common interests of the alliance to bring together all participants. At present, there are two main organizational models of blockchain alliances, namely, core organization leadership and participating organizations co-governance. Both blockchain alliance business models also have their own pros and cons. For the long-term and stable development of the alliance, how to build and which kind to build The model also requires continued in-depth exploration by the industry.

『Lu』 What are the employment prospects of digital currency?

The employment prospects of digital currency are good. The digital currency industry is an emerging industry. With the rapid development of the digital economy and the continuous maturity of blockchain technology, the prospects of the digital currency industry are very broad. The emergence and development of digital currency has brought new payment methods and transaction methods to society. It also involves many fields such as finance, technology, and law. Therefore, the digital currency industry also needs various different methods. Types of talents to support Senma and promote its development.

『撒』 The prospect and future of digital currency

The prospect and future of digital currency are very broad and bright. The development of legal digital currency has three benefits: First, it can save costs, prevent counterfeit currency, and strengthen the universality of the payment system; second, it can grasp structural currency circulation data in real time, thereby being able to regulate the total amount of currency supply with particular precision. ; Third, the information on capital flows can be tracked throughout the entire process, which is beneficial to anti-corruption, anti-money laundering, anti-terrorist financing, anti-tax evasion, etc. "Digital currency has ushered in major changes in technology and market. Currently, there are many blockchain systems that cannot be called digital currency systems because they are not transactional or regulatory. Cai Weide said that only by combining digital currency payment and Separation of settlement can truly achieve industrialization. In the future, a digital currency settlement system that complies with modern laws and regulations and modern financial transaction principles will lead the reform of the entire financial system starting from payment, thereby driving reforms in other fields.

『8』 What is the development prospect of the central bank’s digital currency DCEP?

The development prospects of the central bank’s digital currency DCEP are worthy of attention and expectation. On the one hand, DCEP benefitsUsing blockchain technology to realize the issuance, circulation and transaction of digital currencies is fast, convenient and safe. It can provide the people with more convenient and efficient payment methods, and can also promote the innovation and development of the financial system. On the other hand, the development of central bank digital currency also faces some challenges, such as how to balance the concerns of various aspects such as technology, law, and supervision, and how to unify and coordinate with the existing financial system.

In general, the development of central bank digital currency DCEP has many potentials and opportunities, and is expected to bring new development opportunities and changes to the financial and economic systems. But at the same time, it also requires the joint efforts of the government, financial institutions and other parties to strengthen the standardization of late letter management and technical support and promote the popularization and development of DCEP.