国家银行发行的区块链币有哪些?,央行体系内首个区块链落地

近年来，区块链技术及其应用在金融领域的发展受到了越来越多的关注。为了推动金融科技的发展，央行也积极投入，探索发行区块链货币的可能性。

作为央行体系内首个区块链落地的实践，中国银行业监督管理委员会（CBRC）授权了中国工商银行，发行一款基于区块链技术的票据贴现服务。

该服务是基于北京银行业务结算系统（BBSS）的区块链票据贴现平台，支持中国工商银行的票据支付业务，并实现了票据贴现的全流程自动化处理。

该票据贴现服务的特点是，它以区块链技术为基础，采用分布式账本技术，实现了票据贴现的可信度、安全性和完整性。

此外，中国农业银行也率先发行了一种基于区块链技术的货币，这种货币被称为“农行币”，是一种数字货币，可以用于客户的网上支付。

农行币采用了基于联盟链的技术，具有安全可靠、速度快、费用低等特点，可以支持多种货币类型，比如人民币、美元等，可以实现多种货币间的转换。

另外，中国建设银行也发行了一种基于区块链技术的货币，这种货币被称为“建行币”，是一种以数字货币形式发行的网上支付工具，可以用于客户的网上支付。

建行币采用了基于区块链的技术，具有安全可靠、速度快、费用低等特点，可以支持多种货币类型，比如人民币、美元等，可以实现多种货币间的转换。

总之，央行体系内首个区块链落地的实践，中国银行业监督管理委员会（CBRC）授权的中国工商银行、中国农业银行和中国建设银行发行的区块链币，都是国家银行发行的区块链币。

通过这些发行的区块链币，可以有效提升金融服务的安全性、可信度和完整性，实现金融服务的普惠化和智能化，促进金融科技的发展。

Ⅰ What are the prospects of blockchain finance?

1. In fact, the combination of blockchain technology and finance is not accidental. Simply put, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low capital utilization efficiency, and high payment processing costs.
2. In reality, Bitcoin is not equal to blockchain. Digital currency is just one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.
3. Industry insiders pointed out that although the application prospects of blockchain technology are broad, At present, there are only a small number of projects that have actually been implemented and produced social benefits. Blockchain technology is in the early stage of development and still needs to be viewed rationally. In the next step, blockchain technology should be used to explore digital economic model innovation and add impetus to the optimization of the business environment. , to provide support for promoting high-quality economic development.

Ⅱ New trends in the next 20 years: low-level news frequently appears, and digital currencies receive significant funding intervention

On March 23 (Tuesday), it was reported that the six major state-owned banks have begun to promote digital currencies. On March 25 (Thursday), the National Development and Reform Commission and other ministries announced to speed up the pilot promotion of digital currencies. On March 26 ( On Friday) Mu Changchun of the Central Bank's Digital Currency Research Institute said that "digital currencies will coexist with Alipay and WeChat Pay." Frequent digital currency news this week also led to a beautiful rebound in the concept index. On Monday, it stood firm on the auxiliary line, and on Tuesday, it bucked the trend and led the way. It rose, with a small positive break on Wednesday. It once again led the gains of the two markets on Thursday, with a sharp increase of 4.34%. It took a moderate break on Friday. It rose 7.56% in just five trading days. Behind the five consecutive positives was the quiet intervention of funds.

In last year's article "Central Bank Digital Currency - The Darling of the Future Investment Community", we clearly wrote that digital currency is an inevitable trend and will accelerate in the international competition and industrial upgrading of "you chase me" Development. Because whether it is "private digital currencies" such as Bitcoin and Ethereum that force the development of central bank digital currency, or it is a rainy day preparation for the international payment system, or it is a short-term solution to the government's monitoring of currency circulation (M0), the long-term goal is Subverting the international payment and settlement system. Everything here points to "digital currency being the general trend." In addition, since the central bank issued two top-level design documents for blockchain for the first time at the G7 summit last year, provinces and regions have begun to accelerate the promotion of digital currency. Scenario testing and urban pilots, and the central bank has been cooperating with leading Internet companies to find more implementation scenarios. For example, in July last year, the central bank partnered with Didi Chuxing and joined hands with Meituan-Dianping, planning to penetrate from "food, clothing, housing and transportation".< /p>

The significance and importance of promoting central bank digital currency need no elaboration. Interested friends can look forReview previous articles. So what exactly is a central bank digital currency?

First of all, it is different from private digital currencies such as Bitcoin and Ethereum, and also different from third-party payment platforms such as Alipay and WeChat. These are issued and managed by institutions, platforms and even private individuals, and have not been approved by national laws. Protection is not legal tender and has no legal liability. The central bank digital currency, as the name suggests, is an electronic currency issued by the People's Bank of China. It is a kind of national credibility. It is the digitization of the legal currency (RMB) in its form and the intelligence in its operation. Therefore, the central bank’s digital currency should be included in the total amount of legal currency for unified management, and it is a standard digital cash legal currency.

Then, digital currency wallets neither bundle personal information nor rely on the Internet. In the past, our payment and settlement system mainly relied on bank POS machines and ATM machines. Even with Alipay and WeChat Pay, money was actually transferred back and forth in bank accounts. Once the bank card is bound, personal information will be disclosed when making payment. The current central bank digital wallet does not need to be bundled with bank cards. Take as an example how smart homes and digital wallets are connected. For example, if you buy a refrigerator at home and you set up a food storage capacity and an independent digital wallet for the refrigerator, then this digital wallet is like a piggy bank you put in the refrigerator, but this piggy bank is not tied to your personal informational. Then when there is not enough food, the refrigerator will automatically place an order and pay automatically, without you having to scan a code. In addition, digital wallets can make payments through "touch and touch" methods even when there is no network. For example, touching two mobile phones or touching your mobile phone to a POS machine is like taking out cash and paying directly. Payment is the same and does not rely on the Internet. Therefore, as the Internet of Things becomes more and more everyday, life scenes that once only appeared in science fiction movies may soon be realized.

Back to the topic, digital currency, as a technical application of blockchain, is actually the same as smart home, autonomous driving and other new consumption. It has entered the application state from the pure story stage in the past. It is about to accelerate to the implementation of promotion, and the speculation of related companies is no longer just a market dream rate, and the industrial chain is expected to accelerate into the profit realization period.

The upstream of the digital currency industry chain is mainly the chip and basic technology industries, and the subdivision involves digital encryption and network security. Because as an intelligent manifestation of the legal renminbi, the central bank's digital currency can be promoted or accepted by the public. The first thing to solve is the "data security" issue. In the future, the central bank's digital currency may adopt the "one currency, two treasury and three centers" architecture. "One currency" means that DCEP is the central bank's credit note, and the specific technical details are designed by the central bank. The “two treasury” refers to the DCEP issuance treasury and the DCEP commercial bank treasury, which are deposited by the central bank and commercial banks respectively. The "three centers" refer to the central bank's internal certification center, registration center and big data analysis center for DCEP. While the central bank is researching and building its own digital currency system, it is still expected that the central bank will cooperate with security encryption and data security manufacturers.Businessmen strengthen cooperation, and relevant leading companies benefit.

Listed companies related to security encryption include Digital Certification, Geer Software, Guardone, Feitian Integrity, Hengbao Shares, etc. Among them, Guardone is a comprehensive provider of cryptographic products, network security products, Internet security operations, and industry security solutions. Geer Software is mainly engaged in software development, software production, and the research and development of information network security products. Its products include "Security Authentication Gateway" and "Trusted Border Security Gateway". As for digital authentication, it is the leader in the electronic authentication industry, leading the industry in e-government, medical and health, insurance and other markets. Its main business involves electronic authentication services, security integration, security consulting and operation and maintenance services.

Key listed companies in the field of network security mainly include Venus Technology and NSFOCUS Technology. Venustech is mainly engaged in smart city security operations, industrial Internet security, and cloud security; NSFOCUS Technology is involved in a full range of network security products, comprehensive security solutions, and systematic security operation services.

The midstream of the digital currency industry chain is mainly the banking IT industry, which is subdivided into traditional commercial banks and bank IT service providers that provide system support and upgrades. In the context of this round of central bank digital currency coexisting with Alipay and WeChat payment, application markets such as bank IT transformation may become the largest operating space. Since commercial banks bear the responsibility of releasing digital currency to the public, the issuance of digital currency by the central bank will definitely upgrade the existing infrastructure, human resources and service systems of commercial banks instead of reinventing the wheel. Then commercial banks are building a new generation of banks. There are huge demands on the core system, and to fulfill these demands, professional IT service providers are needed to build them. Those who have complete solutions in the banking IT field in China will definitely benefit. For example, leading manufacturers Changliang Technology, China Information, Gaowida, Yuxin Software, Kelan Software, Runhe Software, etc.

As a "monopoly" provider of bank financial core systems, Changliang Technology mainly provides information-based overall solutions to financial or pan-financial institutions such as commercial banks, securities, funds, insurance, finance, and asset management. and services, truly benefiting from the transformation of the bank’s core system. One of China Information's main businesses is financial technology, and it is also a leader in the field of banking information. On March 1 this year, the company's board secretary directly answered investors on the interactive platform, "The company actively participates in the DCEP test of a major state-owned bank." "Now The research and development of the digital wallet system has been completed, which can help commercial banks accelerate the implementation and promotion of DCEP." It is the only concept stock that the Secretary of the Board of Directors directly stated was related to DCEP.

Finally, there is the downstream of the industry chain, mainly the payment and settlement terminal industry, including ATMs and smart POS machines. In the past, our payment and settlement mainly relied on bank POS machines and ATM machines. However, under the digital currency trend, these infrastructures are incompatible with digital currencies from the perspective of body and risk prevention, and new modules need to be added to support deployment. New payment terminal. Such a large-scale update will inevitablyIt will bring a sizable market for the development and operation of payment software and hardware, and wallet service and payment service providers will benefit. Key manufacturers recommend tracking Guangdian Express, Xinguodu, New World, Karaka, Juluo shares, Uboxun, etc.

Guangdian Express specializes in the research and development, production, sales and service of automatic currency processing equipment and related system software. It is one of the leading ATMs. Currently, almost one-third of domestic ATM machines are produced by Guangdian Express. Xinguodu is engaged in the production, research and development, sales and leasing of software and hardware for electronic payment acceptance terminal equipment, mainly POS machines, and uses this as a carrier to provide customers with comprehensive solutions for electronic payment completion. In addition, New World is a leader in many fields such as domestic electronic information and tax-controlled cash registers, and Lakala specializes in providing electronic payment services to enterprises and individuals...

More concepts in the industry chain The company will not give examples one by one. When investing, just choose targets with performance support and good technical form.

In the end: From a macro perspective, although whoever launches digital currency first will be able to dominate the world’s new digital currency system, after all, everything still depends on the overall national strength of the entire country and the international stability of the system. Competitiveness. However, the central bank's digital currency, which is better prepared to cope with future changes in the international payment and settlement system, is now in full swing and entering residents' horizons with the support of policies. In the future, the implementation scenarios will be wider, the penetration rate will also increase rapidly, and it will be established in the industry chain in advance. The layout of the company is optimistic about the long term.

What do you think the future prospects of digital currency are? Discuss it with me in the comment area!

Ⅲ What does Bank of China’s one body, two wings strategic layout refer to?

Under the vision of “building a world-class modern banking group”, Bank of China has determined the “one body, two wings” strategic development pattern. “Integration” refers to taking domestic commercial banks as the main body, connecting domestic business development with national regional strategies, and gradually improving domestic value contribution and market competitiveness. "Two wings" refers to Bank of China's globalization and comprehensiveness, giving full play to its comparative advantages to serve the new development pattern of "dual circulation" and a wider, wider and deeper open economy.
[Extended information]
Based on enterprise-level architecture and data governance, and focusing on the two key features of the "one body, two wings" strategic development pattern and open financial ecosystem, Bank of China will make full use of new technologies such as artificial intelligence and blockchain. technology, pushing the level of financial science and technology to a big level. At the same time, we will continue to improve the risk management system and mechanisms, take establishing and improving a comprehensive risk management system and improving the effectiveness of comprehensive risk management as the primary tasks of risk management to enhance risk resistance.
One body and two wings promote integrated and global operations mainly in the following aspects:
1. Continuously improve the comprehensive operation layout. In 2020, BOC Financial Leasing Company was established in Chongqing, BOC Fullerton Rural Bank opened in Xiongan New Area, Huihua Financial Management Company was listed in Shanghai Lingang New Area, and BOC Securities was successfully listed. Bank of China’s current comprehensive operations have coveredThe service capabilities of the money market, credit market and capital market have been fully established.
2. Establish a comprehensive management and control structure for the group. A comprehensive operation development leading group and a comprehensive operation coordination committee mechanism were established, and a series of comprehensive operation management and development systems and measures were launched. The group's "four beams and eight pillars" for the management and control of comprehensive operation companies were basically completed.
3. Continue to improve corporate governance effectiveness. Improve the long-term mechanism of corporate governance, adjust and optimize the structure of directors and supervisors, strengthen the support and management of dispatched directors and supervisors to perform their duties, build an effective incentive and restraint mechanism for directors and supervisors to perform their duties, promote the efficient and standardized operation of the board of directors of comprehensive operating companies, and at the same time steadily promote the liquidation of group equity and Equity hierarchy compression.
4. Accelerate the improvement of the business collaboration system. Promote the implementation of regional joint mechanisms in 40 domestic and overseas branches, and take multiple measures to coordinate marketing of major projects. Create a comprehensive operation demonstration model, establish a comprehensive operation office in the Yangtze River Delta, and explore a new model of investment and loan-linked scientific and technological innovation financial services.

IV Is it a good idea for the central bank to establish a "blockchain bank"?

Theoretically, this is a good idea, which can better regulate people's use of blockchain technology.
From the perspective of blockchain technology development, it can be divided into three stages: the first stage is the application of digital currencies such as encrypted currency, transfers, remittances and digital payment systems; the second stage is encrypted stocks and bonds , futures, loans, smart assets and smart contracts and other broader asset target applications; the third phase will be applied in government, health, science, culture and art, etc. At present, the application of blockchain technology is only in the process from the first phase to the second phase. Currently, blockchain banking services include: 1. P2P cross-border payment and remittance for point-to-point transactions, trade settlement, and securities, futures, and financial derivatives Contract sales, etc. 2. Registration. Blockchain has a reliable database to record various information, and the stored anti-money laundering customer identity information and transaction records are credible and traceable. 3. Confirm rights. Procedures such as the identification of rights in registration and transfer matters in the equity legal system can be realized through blockchain technology. 4. Intelligent management. Since the "smart contract" can automatically detect the validity and meet the program conditions, the contract will automatically process interest payments and dividends, avoiding the risk of credit default caused by human intervention. GSN Social Bank - the establishment of decentralized credit
Theoretically speaking, the credit establishment mechanism of blockchain is likely to be lower than the establishment cost of centralized credit in terms of global costs. This is in line with The trend of global market evolution!

The significance of GSN social banking is to establish a distributed, point-to-point, open and transparent trust system with technical guarantee. As a global distributed database, GSN stores data blocks generated using cryptographic methods. Each data block contains information about each network transaction and is used to verify the validity and authenticity of the information.

GSN delivers value through technical architecture, allowing every transaction to be recordedYidu is absolutely trustworthy and cannot be tampered with. From this point of view, the subversive significance of GSN lies in the establishment of a decentralized, open and transparent trust system guaranteed by technology. GSN no longer relies on a central node, but automatically realizes trust and delivers value through the technical architecture. This is the advantage of GSN.

IV In which cities are digital currencies being tested and why are these cities chosen?

In early 2014, the People’s Bank of China established a special research group on legal digital currency to demonstrate the feasibility of the central bank’s issuance of legal digital currency. sex. On January 29, 2017, the central bank officially established the Digital Currency Research Institute. After successfully developing a legal digital currency prototype, the Central Bank Digital Currency Research Institute attempted to deploy institutions in multiple locations across the country and realize financial development technology research results through integration with R&D institutions and industries. In 2018, the Central Bank’s Digital Currency Research Institute settled in Nanjing and Shenzhen. In 2019, the central bank’s digital currency publicly announced that it would be piloted in Shenzhen, Suzhou, Chengdu, and Xiongan.

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Shenzhen has supported digital currency research since 2016.

On October 6, 2017, the Xiongan New Area Management Committee held a special meeting to study the big data management system and mechanism and "digital The basic idea of ​​​​the construction of "Xiongan" and fully promote the construction of "Digital Xiongan". Not long after the meeting was held, various companies took notice and worked hard to build Xiongan New Area into a "testing ground" for innovation.

On October 14, 2017, Peng Yijie, vice president of Ant Financial and partner of Alibaba Group, and his delegation went to Xiongan New Area to report on the blockchain construction plan. Peng Yijie’s evaluation of Xiongan New Area was: building blocks The best soil for the chain. On November 8 of the same year, Xiongan New Area held a matchmaking meeting with Alibaba Group. Alibaba and Ant Financial will undertake the construction of the digital Xiongan blockchain infrastructure platform and are expected to be the first to test the waters in the rental scenario.

On November 23, 2017, Tencent and Xiongan New Area signed a financial technology strategic cooperation agreement. The two parties established the Tencent (Xiongan) Financial Technology Laboratory to pilot a big data risk control system in the new area, based on Tencent Cloud’s blockchain services and other financial black technologies.

On April 21, 2018, Hebei Xiongan New Area released the "Hebei Xiongan New Area Planning Outline" proposing to develop high-end high-tech industries and advance the development and testing of blockchain, terahertz, cognitive computing and other technologies. . Blockchain was written into the "Hebei Xiong'an New Area Planning Outline". A technology with far-reaching influence and far-reaching influence began to grow together with a rising digital city that shoulders a historical mission.

June 8, 2018China Academy of Information and Communications Technology and Xiongan New District signed a strategic cooperation agreement. The two parties will build a scientific research base in the field of information and communications in Xiong'an New District and provide all-round support services such as development strategic planning, standards and policy formulation for the construction of the new district, focusing on 5G, industrial Internet, Artificial intelligence, blockchain, network security, military-civilian integration, Internet of Vehicles and other fields will create a high-tech innovation comprehensive service platform and mass entrepreneurship and innovation demonstration base in the Beijing-Tianjin-Hebei region to promote industrial innovation and development.

On June 28, 2018, Xiongan New Area and 360 Group officially signed a strategic cooperation. 360 Group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields, Provide comprehensive network security services to build a safe and reliable "Digital Xiongan".

On July 23, 2018, China Xiongan Group signed a memorandum of understanding with the blockchain technology company ConsenSys. ConsenSys founder Joseph Lubin and others proposed to China Xiongan Group on how to use blockchain technology. Suggestions, hoping to apply its knowledge and experience in the blockchain ecosystem to Xiongan’s projects and support Xiongan’s innovative development model.

On December 21, 2018, Bank of Communications Hebei Xiongan Branch was unveiled. The branch will rely on the professional R&D team and strong R&D strength of the head office, and rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms to continuously innovate financial business models and contribute to building a green and smart Xiongan. , Digital Xiongan will make greater contributions.

On May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of the Industrial and Commercial Bank of China, opened in Xiongan New Area and became the headquarters of a banking financial technology company located in Xiongan New Area. ICBC Technology and the Xiongan New Area Administrative Committee signed the "Financial Technology Cooperation Memorandum". The Xiongan New Area Administrative Committee officially launched the operation of the Xiongan relocation and resettlement fund management blockchain platform. It will apply ICBC's blockchain technology to realize expropriation and relocation. Full-process on-chain management of original file migration and penetrating fund allocation.

On December 25, 2019, China Everbright Bank and China Xiongan Group Digital City Company jointly built a "Digital Financial Technology Laboratory" in Xiongan New Area, which will be based on the strategic needs and informatization construction of Xiongan New Area. Guide and gradually create a highland for blockchain commercial application research, technological innovation and talent training.

On March 31, 2020, the Xiongan Blockchain Laboratory was officially unveiled. The Xiongan Blockchain Laboratory has three major goals: to become a new highland for blockchain research and application, and to become an open Cutting-edge innovation base, exploring new models of laboratory economy. On the third anniversary of the establishment of Xiongan New Area, the Xiongan Blockchain Laboratory has special significance. This marks that the Xiongan New Area’s blockchain innovation practice has entered the stage of organization and large-scale implementation, marking that the Xiongan New Area’s digital The simultaneous planning and construction of urban and physical cities has opened a new chapter.

Xiong’an New District, a digital urban forest cultivated from seed, is naturally suitable for the central bank’s digital currency pilot. Xiongan on the top, Shenzhen on the bottom, Chengdu on the left, and Suzhou on the right. We look forward to the central bank’s digital currency in these fourA local pilot plant will grow flowers that will spread around the world.