区块链还能炒作吗现在,区块链还能炒作吗知乎

近几年，区块链在全球范围内受到了广泛的关注，被称为“新金融”，也被认为是改变金融服务的新技术。区块链作为一种技术，具有可信、安全、快速等优势，因此引起了市场的关注，也引发了一股炒作的热潮。

然而，随着区块链技术的发展，炒作热潮也在逐渐减弱。一方面，区块链行业的发展起了一定的波动，投资者对其未来的发展也更加慎重；另一方面，政府也加大了对区块链行业的监管力度，对一些不规范的炒作行为进行了打击，使得炒作热潮有所减弱。

总的来说，炒作热潮对区块链行业的发展有一定的影响，但这并不表示区块链不能炒作了。相反，区块链的发展需要投资者和技术人员的支持，只有在技术和市场上取得实质性进展，才能更好地推动区块链行业的发展。

因此，在投资区块链时，尽量避免受到炒作的影响，而是要从技术的角度去分析，把握住区块链的发展趋势，从而获得更好的投资回报。

总之，区块链仍然可以炒作，但是要把握好投资的节奏，以及把握住市场的发展趋势，才能获得更好的投资回报。只有真正理解了区块链技术，才能把握住市场的发展趋势，投资更加慎重，才能获得更好的投资回报。

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Ⅰ The collective surge in blockchain concept stocks is a pie or a trap

The IT industry has been constantly hyping the concept! It’s actually not that magical! Of course, those who can swindle money in China are good comrades.

II Does blockchain have a future?

Blockchain is divided into currency circle and chain circle. Currency circle is based on investment and mainly issues and trades virtual coins. Chain circle It focuses on technology development and its application within corporate units.

The vast majority of people come here to speculate in currencies. The golden period of currency speculation probably started in 2011 and ended in 2018. At present, the prices of valuable coins have been speculated to too high, and the risks of currency speculation are It is greater than the benefit, but even if the risk is high, it is within the tolerable range.

Perhaps in the near future through blockchain technology, a globally recognized digital currency will appear in the global market, which can conduct global circulation transactions, etc. Therefore, I want to analyze and predict blocks. The future of chain technology requires a multi-faceted understanding of the categories of technologies and services.

Ⅲ Is blockchain reliable?

With the development of the times, many science and technologies are now used in people’s lives, and blockchain is used in a very wide range of applications. As an Internet technology, the purpose of blockchain is to verify the validity of information, so it has an anti-counterfeiting function. Blockchain is a combination of many data blocks in a chain structure in time order to maintain the reliability of the database. The application fields of blockchain are also relatively wide, and are often used in finance, the Internet, insurance, and some public welfare fields. Blockchain is divided into public and private. Its biggest features are high transparency, decentralization and collective maintenance. Because it is used too widely, many people have doubts about blockchain in daily life. I don’t know. Is it reliable?

Generally speaking, blockchain technology is not a scam. It is reliable, but it also has certain disadvantages. Blockchain technology can have great benefits if applied in legal fields, but once it goes astray and is introduced into illegal fields, it will have very serious consequences.

IV What is the prospect of blockchain + content

Blockchain became popular because of Bitcoin, but the reason for the popularity is not just its application on Bitcoin. As mentioned earlier, blockchain is a rule, and the rules that can be implemented by this cryptography-based code are the most important. I personally think that blockchain is the same as deep learning. It is popular because it is not just an algorithm in the field of computer science. It can penetrate into various other fields and social life.

Since the popularity of deep learning driven by CNN in 2012, whenever there are new articles, new results, new models, new Products will more or less have the shadow of machine learning or even deep learning. If the market is popular in touting "big data+" or "Internet+", then in academia there is probably a wave of "machine learning+" or "deep learning+".The trend of "degree learning +" (or in other words, this is the easiest way for researchers in old fields to produce new articles and new results).

The same is true for blockchain. If this rule can only be applied to Bitcoin The currency or financial fields will not be so hyped. Like machine learning, blockchain can also be applied to academics, business and life. To give a few examples of looking up to the stars but keeping feet on the ground, if it is applied to the medical or biochemical fields, We can use a method similar to radioactive labeling to trace the origin of a certain element or a certain molecule or a certain component. We can know its demise, its site of action, its production, and even the genes that acted on it from the beginning. Will it bring many medical breakthroughs? If it is applied to transactions and logistics, such as the mobile phone we just bought, we can not only know its logistics process, but also the circulation process of each of its parts if necessary. and the place of production and manufacturing, the authenticity of the product is clear at a glance, and there is no need to rely on third-party evaluation and verification methods. Due to the reaction of this transparent rule, costs can also be maximized in the production and sales chain. If you are not buying a mobile phone but Is it a diamond?

For now, I am very optimistic about the development prospects of blockchain. From an academic and scientific research perspective, this kind of advanced rules and ideas are also what we should For learning and reference, I personally believe that blockchain can not only create breakthroughs in the field like deep learning, but also solve many social life problems, such as inherent fairness and justice issues in society and personal privacy issues in the context of big data.

However, the disruptive rules of blockchain will be restricted by industry rules and existing systems after all. For example, the transaction and logistics applications just mentioned. If the chain wants to popularize the production chain of a commodity, How many industry rules need to be changed? If you want to popularize all products, you will have to have an "Xth Industrial Revolution". Besides, some economic systems are suitable for the survival and development of blockchain, while others require special attention to detail. Survive in separate fields.
However, we still need to remain optimistic enough about blockchain, just like deep learning. When the trend becomes bigger, more people will naturally rush to it, and it will be easier to produce new results and achievements. Breakthrough, after all, human beings are the key to changing the world. New research results in the past have been in the order of military scientific research-military use-general scientific research-commercial use-civilian use, but after all, blockchain is a subversive rule , I personally think that it will probably follow the order of commercial use--civilian use--general scientific research--military scientific research--military use.
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Author: NJU_ChopinXBP
Source: CSDN
Original text: https://blog.csdn.net/qq_20304723/article/details/80202030

District IV Blockchain has been so hyped that many companiesOr injured

Blockchain has been so hyped that many companies may be injured
According to CNBC, this week, at the Money 20/20 European Fintech Conference in Amsterdam, the Netherlands, I heard someone Say we are now in a blockchain hype cycle.
One representative said to another: "Whatever, let's call it a blockchain. That way, we'll get the money."
Whether it's a joke or not It doesn't matter if some people really think so. However, this statement highlights the reality that businesses large and small often use the term “blockchain” in the wrong way.
Blockchain is an accounting system for distributed storage of information. Its biggest feature is that it can establish a trust relationship without relying on the trust endorsement of a central platform in a network environment without a trust foundation. Its practical application starts from being a virtual currency. Started by Bitcoin. However, the application of blockchain technology is not limited to virtual currencies. Currently, blockchain technology has been applied to a certain extent in financial supervision, data sharing, Internet of Vehicles and other fields, as well as in many scenarios such as Internet finance, banking, insurance, supply chain finance, clearing and settlement centers, etc.

Some companies just jump into the blockchain hype bandwagon without any regard for the consequences.
Many industries have begun to adopt the principles of this technology and will use it to solve their own problems. Some companies have conducted successful experiments. Meanwhile, some companies are simply jumping on the blockchain hype bandwagon, regardless of the consequences. A venture capitalist once told me that a company pitched blockchain to him, but the company had no practical application of the technology. The start-up did not raise funding.
Sadly, what I have heard and said is true to some extent. Let’s take a look at those listed companies that have added blockchain elements and seen their share prices climb. Take Longfin, a fintech company listed on Nasdaq, which acquired blockchain solution service provider Zid, as an example. The stock price soared 2000%. Blockchain concept e-commerce Overstock.com announced a big step towards blockchain. Even Eastman Kodak Company, which has a history of more than 100 years, has joined the cryptocurrency carnival party and announced the launch of its own cryptocurrency "Kodak Coin" to create a new platform for digital photography. (To me, it’s absolutely crazy that a manufacturer and supplier of imaging products and related services would launch a cryptocurrency.)
Of course, there are some companies that are doing very well with blockchain technology. There is no denying that this technology is very promising. Both ING and Spanish bank BBVA have told me that they believe blockchain could be commonplace within the banking industry within five years.
Despite the growing optimism about blockchain, we must face reality as there are still barriers to adoption of this technology. One of the main concerns is whether blockchain can span different industries and enterprises.Industry. Currently, one bank may be using a certain blockchain solution, while another enterprise may be using a completely different blockchain solution. It’s unclear whether different blockchains can work together.
Also, there is the question of whether certain programs require blockchain.
Including the word blockchain in company names for the purpose of raising stock prices or raising funds is similar to the practices of some companies during the Internet bubble. We all know how the dot-com bubble ended.
According to reports, in early March, Nouriel Roubini, a world-renowned economist and professor of economics at New York University’s Stern School of Business, pointed out that the blockchain technology behind cryptocurrency is “the most hyped ever. One of the most excessive technologies”.
In January, Credit Suisse pointed out in a report that the blockchain will not truly mature until 2025. In this blockbuster report on cryptocurrency and blockchain, Credit Suisse divided the development of blockchain technology into seven stages, including "idea formation", "proof of concept", "prototype", "experimentation", "Production Parallel" and "Production". Among them, 2025 after the seventh phase of "production" will be the time for mainstream society to adopt blockchain.
In other words, it is still too early for blockchain to truly mature.

VI Does blockchain really have development prospects?

There is no doubt that blockchain has development prospects, and the necessary condition for development prospects is to enter the mainstream market.

Matt Spoke, founder and CEO of North American blockchain infrastructure The OAN (formerly Aion Network), published an article in Forbes on July 24 titled "In order to successfully enter the mainstream market, blockchain projects must "Eat Dog Food", in which Matt mentioned his views on how blockchain should enter the mainstream market - "Eat Dog Food".

In the technology circle, there is a jargon called "dogfooding" (also known as eating your own dog food), which refers to a company using its own products and becoming a user of its own products. Many high-growth companies (such as Microsoft, Facebook, Amazon, Apple, Netflix and Google) also use dog food to test products or help build credibility for their products. Although "eating dog food" is often used to find and fix bugs, it has another value: creating reliable use cases for the company's products.

This is worth learning from blockchain projects, because blockchain projects often hold the idea of ​​"if it is built, they (users) will naturally come" and habitually create new and interesting things. Responsibility for blockchain applications is given to third parties.

This attitude is so common that even the well-known blockchain summit Consensus 2019 (2019 Consensus Conference) also held a conference titled "Build it, they (users) will naturally come: Build aGlobal Blockchain Center's roundtable forum discusses how governments around the world can make efforts to attract blockchain projects while balancing regulatory, investment and innovation needs.

To be fair, this strategy is not suitable for just It may be effective for blockchains that target people in the cryptocurrency community. For security tokens, especially exchanges that trade such representatives, it makes even more sense - "supply creates demand" here is conventional thinking, especially given the complex infrastructure required to enable these transactions.

In contrast, “dog food” is more likely to be used by those seeking mainstream audiences such as the financial industry, manufacturing and Adopted by blockchain project developers (audiences in supply chain, identity management and other fields). If blockchain technology wants to break into these mainstream fields, blockchain companies must first "eat dog food". This can not only clearly prove Blockchain technology is also feasible outside the currency circle, and it can also highlight that blockchain can not only optimize existing use cases, but also create new use cases.

The OAN team has always adhered to this concept , and relied on the technology stack of The OAN and Aion built over the years to develop Moves, a financial technology platform for independent workers.

Matt said that when developing and developing the Moves product, the team It is hoped that the relevant functions of The OAN blockchain network can be fully utilized, so the focus will be on the following three aspects:

1. How to use The OAN blockchain network to improve the credit efficiency of products .

There are two main considerations for improving credit efficiency: 1) whether it can learn from the mechanisms of the DeFi market to reduce capital costs; 2) whether it can use blockchain technology to increase the outside world’s trust in Moves’ credit process. Here, Moves will form a "pooling of wisdom" mechanism, allowing everyone to contribute to reducing credit risks and increasing the credibility of the credit process, and may even develop a micro-guarantee mechanism in the future. Therefore , users will be able to participate in the market established by the platform as borrowers, lenders or guarantors.

2. How to align the interests of products with users.

Specifically, that is By connecting Moves to The OAN network, and with the help of the digital asset Aion, a relationship of aligned interests is formed between the product and the user, allowing users to experience the success of Moves' product development and directly participate in it. to The OAN, a blockchain network that supports Moves.

3. How to use Moves to pioneer an open system for financial reputation data.

This open system may become An alternative to traditional credit scores or related mechanisms. For years, banks and financial institutions have used scores from Equifax, FICO or other similar agencies as risk indicators, and the Moves team believes that the product it is building will be a good start - -oneThe beginning of a more complete and modern financial credit system. This is a long-term goal.

Moves supports mainstream ride-sharing, food delivery and other gig economy platforms in North America and will be the flagship open application developed by The OAN on its blockchain network. In June, Moves' business operations expanded from Ontario to two more provinces - Alberta and British Columbia, and into Western Canada.

The OAN team’s various initiatives are all based on the spirit of “eating dog food” and working hard to allow blockchain technology to enter the mainstream market as soon as possible. Blockchain is not for the niche, but for the mainstream. In addition to The OAN team, many projects and institutions in the blockchain industry are also moving towards this goal. With such an excellent and targeted blockchain, what can you do? Are you saying there is no development prospect?

Ⅶ Is it okay to invest in blockchain now? What are the precautions?

You can participate with a small amount of money. BiJing is the next generation Internet outlet. The following is my investment experience over the past year. I hope it will be helpful to you. You helped.

While I was relaxing physically and mentally during the holidays, I took stock of the pitfalls I had gone through, sorted out the gains and losses, and came to the following insights.

1. In the early days, I believed too much in the words of Big V, the big guy in the currency circle, and bought some coins from their platform. Now it is close to zero. I feel that I am so naive that I believe their lies. It is difficult for people to withstand the temptation of huge wealth, and of course they cannot escape. But saying one thing and doing another, and not admitting it in the end, has lost their moral bottom line. They have made a lot of money, leaving me waiting for Leek to stand on the top of the mountain and tremble.

2. The judgment of various public accounts and various media in the currency circle on market trends is similar to the effect of betting on dice. Of course, this does not mean that the media are completely irresponsible or incompetent. In fact, some media still cherish their feathers and do their best to analyze projects and judge trends for fans. But don’t forget that, by nature, the market is unpredictable, otherwise it wouldn’t be called a market. Bankers and leeks are always playing a cat-and-mouse game. The media’s predictions often provide savvy bankers with guidance on reverse actions. When most media are optimistic about the market, it is also when the bankers raise their sickles; when the media generally believes that When the market is still going deep, the market makers may be building positions secretly. This is not difficult to understand, because the media acts as the opinion leader of the leeks.

3. The current market still shows the characteristics of capital market, which is dominated by speculation, and the real value investment of blockchain has not yet been reflected. The performance is that almost all altcoins are linked to the rise and fall of Bitcoin. Why is it related to Bitcoin? Because there are no other standards to rely on? If there is no killer application, this linkage effect will be difficult to break, and there will be no real bull market in the currency market. The killer application mentioned here is not like Ethereum, issuing coins, building an underlying public chain, etc., but having real application scenarios that can link virtual digital assets on the chain to reality. The supply and demand of the sceneAt the same time, DAPP must have a good user experience and be accepted by the public outside the currency circle. In this case, digital currency will have real support, and the development of blockchain will usher in spring, otherwise it will be just speculation.

4. Often start from historical phenomena to form expectations for the future. In 2017, some altcoins had a market price of a hundred times or even higher. Therefore, I always feel that the altcoin in my hand has increased three to five times after I bought it, which is not satisfactory and not in place. As a result, I did not sell it in time and ended up rotting in my hands. Let's analyze it. This time is not that time. At that time, there were fewer projects and more funds. At this time, there are more projects and less funds. The situation is exactly the opposite. Ignorance and greed are very dangerous. Since 2018, as the big Vs have made profits and left the market, the funds on the market have shrunk significantly. Even if the market rises, the original market funds are playing the game. The money-making effect is getting smaller and smaller. OTC funds are waiting and watching. Only Only when the wealth-creating effect appears will OTC funds have the urge to come in.

5. New ways of playing are constantly emerging. As the money-making effect becomes smaller and smaller, new leeks become old leeks, and it is difficult to harvest them with traditional harvesting methods. Only by making some innovations can the leeks flock to it and obey. Fcoin trading and mining, Huoniu video, etc. have made a small group of people rich, and at the same time made a large group of people miserable. These projects are essentially a drum-passing fund-raising game, changing the soup without changing the medicine. The earlier you participate, the better the results will be. By the time I wait for Leek to participate, it will basically be in the mid-to-late stage. If I invest money in it, it will definitely be harvested. Since I participated in Fcoin early, I made a small profit, but I participated in Huoniu late, and was cut as soon as I entered. Fortunately, I only invested a little tentatively.

6. Will the market rise again? The answer is yes. From two aspects. On the one hand, there is a consensus that blockchain is the future trend. It is said that there is a rule that can prove whether a technology can become a trend in the future. It depends on whether the number of articles published about this technology can increase exponentially every year. Blockchain completely complies with this rule. On the other hand, as mentioned earlier, the current market is mainly capital. So even if blockchain is not a future trend, it will still have a good market. Because the characteristic of the capital market is that when funds enter the market, the market will rise, and when funds withdraw from the market, the market will fall, and there is no need for a reason for funds to enter and exit the market. Currently, the funds on the market include not only retail investors, but also large investors and institutions. It is not only leeks that are trapped, but also bankers who have cut the vegetables but failed to harvest. No matter who you are, there is only one purpose for entering the currency circle, and that is to make money. If the market does not rise, there will be no big money-making effect. If it falls for a long time, it will rise. This is an unbreakable rule. Of course, whether retail investors can make money depends on themselves. of good fortune.

Future plans:

1. Best policy. Strictly control positions, adjust layout, and stay away from air coins. Position control is always the first priority and is the lifeline of investors. Only after losing money did I realize the importance of position control. I really regret it now. If I had entered the dissatisfied position, I wouldn't have been so deeply trapped. Now that the matter has come to this, we must decisively clear out all those air-related projects.Can free up some funds. Then, select a few high-quality projects for fixed investment. If you don't have enough funds, you can spend a small part of it from your daily income. To do this step well, you need to add an important link, which is learning. The reason why I couldn't distinguish between good and bad projects in the past was that I didn't study enough and my skills were shallow. Instead of focusing your time and energy on watching the market, checking public accounts, and asking for news, it is better to focus on studying. Accumulated knowledge and skills are also a kind of wealth, and no one can take them away. It is necessary to learn basic knowledge about economics, finance and investment, but also to learn about blockchain. I have read some books (General Economics, Economics in One Lesson, Xiang Shuai’s Peking University Finance Course (subscription required, electronic version not available), Buffett’s Law, Buffett Teaches You to Read Financial Reports, Blockchain Technology Guide, Decoding Zone Blockchain complete set), the link address is given (link:

Extraction code: sbmv) If you need it, you can download it with confidence.

2. The middle strategy. Do an oversold rebound. The small money-making effect does not mean that there is no money-making effect. You must enter the market with a small amount of money, you must focus on one or two projects, and you must move in and out quickly when there is a sharp decline that makes most people panic. You must not be reluctant to fight. (You can pay attention to one or two large public accounts to judge the panic in the market.)

3. Make the final decision. Be a wool party. On the premise of not expending energy, it is not a bad idea to receive candies and get some benefits. Under the current market situation, grasshoppers are also meat. The traditional way of receiving candy is too troublesome, and the gain is not worth the loss. Found two candy delivery platform projects, one is Fulcrum:

The other is Ant Mine Chicken:

The former airdrops various candies from time to time, and also has community social attributes, forming a system The latter is a new candy game platform under Candy World, which accumulates candies through the game of raising chickens and laying eggs. It is reported that it has just received strategic investment from GBls (Global Sleepless Blockchain Leaders Summit).

In addition, some Dapps that are in the testing stage are also worth a try. Anyway, it doesn’t involve any energy, just think of it as a way to relax after stressful work. Fighting video (ios version: https://fir.im/51ds Android version: http://a.app.qq.com/o/simple.jsppkgname=com.xysk.mvpart.douxi, invitation code: WN4VIZ) , focusing on creating a vertical segmentation field for professional artists. Fans and users can accumulate star power and sign in every day to obtain stars. Stars can be exchanged for prizes or sold privately. It will be launched in October.

VIII Will blockchain be as outdated as the "sharing economy"

The sharing economy is an economic model.
Blockchain is a technology.
Strictly speaking, they cannot be compared together.
As for the saying of "passed by".
Sharing economy as an economic model. alreadyIt has entered the public eye and directly participated in everyone's life. It's just that it's not mature yet and is still in the trial and error stage. There is no passing away.
And blockchain as a technology. So far, it is neither known nor used by the public. The only thing known to the public is "Bitcoin". But thanks to the media, most people think it is a "scam" and "illegal." How many people actually participate and understand it? Therefore, it is a new technology that is neither truly mature nor has many practical applications. If you haven't become famous yet, how can you talk about being famous?

The sharing economy is an economic concept. It is not outdated, but its development is not satisfactory.

Blockchain is a technology. Currently, the biggest application is currency speculation, and the rest are still being researched and explored.

These things are all good and have a process of development. They have not reached their peak yet, so there is no way to say they are outdated.

Concepts are different from concepts, and industries are different from industries.

Some concepts are indeed artificially over-hyped, attracting a lot of attention, attracting a lot of investment, and generating a lot of bubbles. Then the bubbles are punctured and the entire industry disappears.

But some industries are indeed disruptive, although they have gone through rounds of hype, round after round. But each bubble made it grow stronger. For example, the Internet technology back then has now become an inseparable part of us.

I personally believe that blockchain technology is a disruptive technology like the Internet, and it will not disappear like a bubble.

#BTC[超话]# #欧易OKEx# #digital currency# #

Ⅸ Which companies are related to the blockchain hype craze?

< p>Blockchain has set off a wave of speculation, and many listed companies have rushed to clear it up

In the past week, blockchain concept stocks have set off a wave of speculation in the A-share market. Individual stocks have continued to rise by the limit, and dozens of listed companies have issued announcements. , some clarified related businesses, and some "used" the concept of blockchain intentionally or unintentionally.

In addition, dozens of companies including Aikang Technology, Donggang Co., Ltd., Shenzhou Taiyue, Hailian Jinhui, and Boss Software have also issued announcements. Wind statistics show that since this year, the Wind blockchain concept index has increased by more than 15.89%. In overseas markets, stocks involving the blockchain concept have skyrocketed overnight. On January 4, Chinese concept stock ChinaNet Online announced that it would implement blockchain technology applications. The stock soared 698% overnight. Taking 2018 as the range, the cumulative increase in the stock in just nine trading days has reached 340.37%.

It is reported thatAlthough the industry generally recognizes the potential of blockchain technology, as far as many A-share listed companies are concerned, it is still at a relatively preliminary level. In response to the market's hype about the concept of blockchain, in the past week, the Shanghai Stock Exchange has issued letters of inquiry to Shangying Global and Youjiu Games, requiring them to disclose the research progress, commercial application scenarios and profit models of blockchain technology, and Combined with the current maturity of marketization and commercialization of blockchain technology, investors are fully warned of risks.

X: What is blockchain and what is its use? Will it become a new trend?

Three questions about blockchain (economic hot spots)

In recent times, related to Bitcoin The news about currency is very eye-catching, and blockchain has also become popular. In the capital market, the stock prices of various blockchain concept stocks rise and fall like a thrilling roller coaster. It can be seen from the responsive capital market that blockchain is on the forefront and has received great attention from all parties.

"Blockchain technology is essentially a database technology, specifically a ledger technology. The ledger records the asset changes and transactions of one or more accounts. In fact, it is A database with the simplest structure. The running accounts we usually write down in small notebooks and the statements sent by the bank are all typical account books." Wang Jun, chief researcher of Tencent Financial Technology Think Tank, said that security is an aspect of blockchain technology. Its major features are mainly reflected in two aspects: first, the distributed storage architecture, the more nodes, the higher the security of data storage; second, its tamper-proof and decentralized ingenious design, it is difficult for anyone to not follow the rules change the data.

Take online shopping transactions as an example. The traditional model is that the buyer purchases the goods and then transfers the money to the intermediary platform of a third-party payment institution. After the seller ships the goods and the buyer confirms receipt, the buyer will then notify the payment The institution transfers the money to the seller's account. The transaction model supported by blockchain technology is different. Buyers and sellers can trade directly without going through any intermediary platform. After the buyer and seller trade, the system releases the transaction information through broadcast. All hosts that receive the information record the transaction after confirming that the information is correct, which is equivalent to all hosts making data backups for this transaction. Even if there is a problem with a certain machine in the future, it will not affect the data recording, because there are countless machines as backup.

When it comes to blockchain, many people associate it with Bitcoin, and many people even equate blockchain with Bitcoin. He Fei said that Bitcoin is a presentation method of blockchain, but blockchain is not the same as Bitcoin. Blockchain is the underlying technology and infrastructure of Bitcoin, and Bitcoin is a successful application of blockchain, but it does not mean that blockchain can only be applied to Bitcoin.

What is the use of blockchain?

It can solve the pain points and difficulties in many fields such as finance, public welfare, supervision, and anti-counterfeiting, but there are many applicable conditions

Financial services are the first application field of blockchain technology. The use of blockchain technology can solve pain points in many fields such as payment, asset management, and securities.

Taking the payment field as an example, financial institutions, especially cross-border financial institutionsThe cost of reconciliation, clearing, and settlement between accounts is high and involves many manual processes. This not only results in high costs for the user end and the backend business end of financial institutions, but also makes it difficult to carry out small-amount payment services. The application of blockchain technology can help reduce the cost of reconciliation and dispute resolution between financial institutions, and significantly improve the processing efficiency of payment services. In addition, the cost and efficiency advantages that blockchain technology brings to the payment field enable financial institutions to better handle small-amount cross-border payments that were previously considered unrealistic due to high costs, helping to achieve inclusive finance.

For example, in order to solve the problem of high reconciliation costs among financial institutions, in August 2016, WeBank and Shanghai Huarui Bank launched the Weilidai inter-institution reconciliation platform, which is also the first in production in China. Banking industry consortium chain application scenarios running in the environment. Zhang Kaixiang, chief architect of WeBank’s blockchain, believes that the high cost problem that the traditional “batch file reconciliation” model has not been able to solve for a long time is where blockchain technology comes in. Subsequently, Luoyang Bank and Changsha Bank also successively connected to the inter-institution reconciliation platform. Through blockchain technology, they optimized the inter-institution reconciliation process in the micro-loan business, achieving quasi-real-time reconciliation, improving operational efficiency, and reducing operating costs. Target. Up to now, the platform has been running stably for more than a year, maintaining zero failures, and the number of real transactions recorded has reached tens of millions.

In the field of public welfare, blockchain technology also has great potential. Ant Financial's first application scenario involving blockchain was public welfare, helping a group of hearing-impaired children obtain a donation, and then using blockchain technology to promote public welfare to be more open and transparent. Hu Danqing, senior product expert at Ant Financial Technology Lab, said: "The blockchain charity platform is like us building a post office on the Internet specifically for mailing funds. Every money donated by users, we will package it into a The package is delivered through the blockchain platform. Every time it passes through a node, we will stamp a postmark and finally deliver it to the recipient. This ensures that every money donated by users is transparent, traceable, and difficult to tamper with. ”

Blockchain technology can play a big role in combating counterfeit goods. Hu Danqing introduced that Ant Financial uses blockchain technology to trace the origin of authentic products. At present, there are some overseas shopping products from Australia and New Zealand, such as milk powder. You can use Alipay to scan the products to know whether they are genuine. "Unlike the previous self-entered product information by merchants, blockchain allows multiple 'bookkeepers' to complete accounting fairly, independently, and non-repudiation."

For financial supervision, blockchain Technology can also play a role. The "Financial Blockchain Underlying Platform FISCO BCOS White Paper" released by the Financial Blockchain Cooperation Alliance (Shenzhen) in 2017 believes that blockchain provides financial regulatory agencies with consistent and easy-to-audit data. Data analysis can supervise financial businesses faster and more accurately than traditional audit processes. For example, in an anti-money laundering scenario, the balance and transaction records of each account are traceable, and no aspect of any transaction will be out of sight of supervision. This willGreatly improve anti-money laundering efforts.

Some people in the industry believe that blockchain 1.0 is mainly aimed at digital currency; blockchain 2.0 is aimed at smart contracts and can be applied in the financial market; blockchain 3.0 will be applicable to more scenarios, and even Create a "blockchain era".

He Fei believes that blockchain can indeed solve the pain points and difficulties in many fields, but blockchain is not a panacea and has many applicable conditions.

For example, the decentralized nature of blockchain technology is suitable for scenarios involving multi-party participation. If it is only unilateral or bilateral participation, it will be of little value. Since each node needs to be checked, blockchain technology is not suitable for high-frequency trading activities.

For another example, blockchain emphasizes openness and transparency and is not suitable for scenarios with particularly high data privacy requirements.

Will blockchain become a new trend?

The technology is not yet mature, so we must be wary of concept hype, and we must distinguish between technological innovation and fund-raising innovation. We cannot use blockchain for the sake of blockchain

The concept of blockchain is so Will Fire become another “Internet+” in the future?

In recent years, the development ecosystem of blockchain has gradually been improved and enriched. Industry insiders believe that with national policy support, widespread attention and financial support, blockchain technology can achieve gradual and stable progress. Although the upside prospects of blockchain technology are broad, we must remain calm about this.

“Although blockchain is very popular right now, we still believe that it is still in a very early stage.” Hu Danqing said that there is currently false enthusiasm in the blockchain concept, and it is not that the technology is used to solve the problem. The real problem is that the focus is on raising funds to make money and hyping valuations. In particular, most of the so-called ICOs (Initial Coin Offerings) that are so popular are innovations in fundraising tools and have nothing to do with technological innovation.

Blockchain technology can indeed create great value, but some risks cannot be ignored.

“Blockchain technology is not yet mature, and its application scenarios are relatively limited. We should be more wary of the concept of capital market speculation.” He Fei said that behind the blockchain boom, there will inevitably be some gimmicks and speculation. Companies that do not really carry out business, but just try to make a profit in the capital market and leave. We must be careful to prevent the occurrence of "bad money driving out good money", causing institutions that really want to do business to withdraw from the market, affecting the development of blockchain technology. application.

Hu Danqing suggested that for the current blockchain craze, regulatory authorities should intervene more proactively, distinguish between technological innovation and fund-raising innovation, and encourage government organizations, credible experts, and industry participants to jointly help the public Identify and comprehensively curb fund-raising innovation in the name of blockchain, so that the actual controller of ICO must bear responsibility for the fund-raising behavior. "The basis for judging whether it is technological innovation or fund-raising innovation is actually very clear, that is, whether it starts with trust and whether it creates actual value by solving the trust problem."

Better promotion and use of blockchain technology in the future , it is necessary to continue to improve infrastructure and strengthen the formulation of relevant laws and policies.

Wang Jun believes that consensus algorithms and other blocksThere is still room for optimization and improvement in the core technology of the blockchain; on the other hand, the processing efficiency of the blockchain is still difficult to meet the requirements of some high-frequency application environments in reality. At present, the mainstream blockchain technology platforms all originated from abroad. Domestic blockchain technology service providers must patiently start from the bottom development, achieve independent and controllable technology, and strive to lead the development of global blockchain technology. Enterprises with blockchain application scenarios must actively embrace new things and scientifically evaluate their on-chain needs. They cannot use blockchain for the sake of blockchain.

He Fei believes that the government can introduce relevant policies to guide companies that are interested in participating in the research and development and application of blockchain technology, and at the same time clarify some suitable application scenarios of blockchain and areas encouraged by the state.

The "China Blockchain Technology and Application Development White Paper 2016" recommends that government departments at all levels learn from the advanced practices of developed countries and regions, combine the development of my country's blockchain technology and applications, and promptly introduce blockchain Technology and industrial development support policies focus on supporting key technology research, major demonstration projects, "mass entrepreneurship and innovation" platform construction, system solution research and development, and public service platform construction. At the same time, it is recommended that key domestic enterprises, scientific research, universities and user units strengthen cooperation to speed up research on core key technologies such as consensus mechanisms, programmable contracts, distributed storage, and digital signatures.

If it can bring money to the enterprise, it will become a hot topic.