农业银行与区块链

近年来，随着区块链技术的发展，农业银行也正在拥抱区块链技术，并将其用于各种商业应用中。

农业银行正在努力探索区块链技术，以改善金融服务，提高金融服务的安全性和可靠性。区块链技术可以为农业银行提供无缝的金融服务，从而改善传统金融服务的效率和质量。

农业银行正在利用区块链技术来改善其金融服务，并实现更高的效率。例如，农业银行可以利用区块链技术来提高贷款审批效率，减少贷款审批时间，实现更快速的贷款审批。此外，农业银行还可以利用区块链技术来改善金融服务的安全性，防止金融欺诈和账户盗用等行为。

此外，农业银行还可以利用区块链技术来改善金融服务的可靠性。例如，农业银行可以利用区块链技术来实现跨境支付，实现更高的货币流通效率，从而改善金融服务的可靠性。

总之，农业银行正在努力拥抱区块链技术，以改善其金融服务，提高金融服务的安全性和可靠性。农业银行正在努力利用区块链技术，实现更高的金融服务效率，改善金融服务的安全性和可靠性，以满足客户的需求。未来，随着区块链技术的发展，农业银行将更加拥抱区块链技术，以改善其金融服务，提供更好的金融服务。

⑴ What is the relationship between Tianfeng Securities and Agricultural Bank of China?

Cooperative relationship
Agricultural Bank of China provides Tianfeng Securities with an intention line of credit in RMB and negotiates with the company Cooperation in blockchain finance, so it is a cooperative relationship.

⑵ The first central bank digital currency application scenario is settled in Fengtai Lize. What are the advantages of digital currency?

An official letter from Suzhou Xiangcheng District requires enterprises in each district of Xiangcheng District Public institutions and various management committees must sign digital currency issuance agreements with salary issuance banks, install digital wallets for all staff (except retirees), and transfer 50% of the monthly salary transportation subsidy in the form of digital currency issued.

This is the first practical application of the central bank’s digital currency since news of its development was announced. This is a historical moment worth remembering.

Let us review the development history of DCEP:

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

In 2016, a digital currency research group was established on the basis of the original group. Institute

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

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

On October 29, 2019, at the "2019 Bund Financial Summit", Huang Qifan, Vice Chairman of the China Center for International Economic Exchanges, said: "The digital currency DCEP currently launched by my country's central bank is a new encrypted electronic currency system based on blockchain technology. ." This is the debut of DCEP.

On April 3, 2020, in the "National Currency, Gold, Silver and Security Work Video and Telephone Conference", the central bank stated that it would "unswervingly promote the research and development of legal digital currencies."

On April 10, Zhou Xuedong, Director of the General Office of the Central Bank, pointed out at the "First Quarter Financial Statistics Conference" that "with regard to digital currency, the Central Bank is advancing in an orderly manner in accordance with the original plan."

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

On April 16, Xiangcheng District, Suzhou realized the first application scenario of the central bank’s digital currency DCEP, using the “digital wallet” as a payment channel and distributing it in the form of transportation subsidies.

Judging from various actions, the central bank’s digital currency plan can be said to have been well prepared and is being promoted in an orderly manner.

Why is DCEP issued?

From a national level

As we all know, sovereign countries control macroeconomics mainly through monetary policy and fiscal policy. Just like the current lack of liquidity in the world due to the epidemic, my country has cut interest rates and government spending to stimulate the economy. However, funds are transmitted layer by layer, and very little money is actually used in the target range.

If the central bank’s digital currency system is used, a large number of transactions can be analyzed and tracked, and funds can be transferred using the most direct and efficient means.Used where needed, thereby freeing up liquidity and benefiting the people.

From an international perspective

The use of blockchain technology can realize the review of national credit and increase the credit of the country’s monetary system. As the gross national product increases, credit also increases. It must be incremental, and the process of RMB internationalization will be faster.

This is very simple to understand. Blockchain technology makes it impossible to falsify asset certificates and makes credit reviewable, which is naturally conducive to the internationalization of the RMB.

The era of digital economy is the general trend

Last year, the World Bank Group and the International Monetary Fund (IMF) released a report stating that so far, nearly 70% of central banks are studying the central bank Regarding digital currency, we can also see that the wave of digitalization is the general trend. From the current point of view, the central bank's digital currency DCEP is likely to be used on a large scale ahead of other countries around the world, and the era of currency digitization is coming.

The era of digital economy is getting closer

Today is a digital era. The rise of technological innovation and digital economy has transformed technology from its initial role as a tool to a driver of financial change. Backbone. The five genes of digitalization (all airspace, all process, all scenarios, all analysis, all value) continue to collide and integrate with the financial industry, which not only changes the settlement methods and sovereign currency issuance mechanisms between individuals, enterprises, and countries, but also changes the sovereign currency issuance mechanism. It has greatly improved the operational efficiency of the industrial chain and brought about the development of the entire economy and society and the progress of mankind.

If blockchain technology will "genetically transform" all walks of life, then digital currency will completely "genetically transform" the financial industry. Looking to the future, the in-depth integration and transformation of traditional industries by technologies such as blockchain, artificial intelligence, cloud computing, and the Internet of Things will lead us into a new era of digital economy.

In short, the digital economy era is getting closer and closer to us!

The implementation of central bank digital currency is bound to bring disruptive changes to the existing financial market and create huge wealth opportunities. The future is here and the trend has arrived. Follow the footsteps of industry giants, accurately grasp future trends, and seize the blue ocean of wealth and business quickly.

⑶ Did the Bank of China, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China and the party pick up?

No. Because the bank's docking of the currency is fake, and the currency itself is illegal, so the bank will not dock the currency. The currency is essentially a pyramid scheme coin, a fake blockchain, under the name of "blockchain technology", " Slogans such as "Digital Currency" and other concepts began to illegally attract money and defraud investors of their money. The so-called currency is a number on someone's server that can be changed at will. If you want to block your account, you can block your account. You can shut down the server and run away at any time.

⑷ Is blockchain technology the way out for the central bank’s digital renminbi?

Digital renminbi is a legal currency endorsed by the state. It has been the focus of people’s attention since the concept was born.

CurrentlyThe digital renminbi has basically completed top-level design, standard formulation, functional research and development, joint debugging and testing. It is understood that the digital currency will first conduct internal closed pilot tests in Shenzhen, Suzhou, Xiongan New Area, Chengdu and future Winter Olympics scenes.

If all goes well, we will be able to unveil digital currency in 2022.

Recently, Yi Gang, Governor of the People's Bank of China, made it clear that there is no preset technical route for digital RMB research and development work, and it can compete fairly in the market to select the best. , either blockchain technology can be considered, or new technologies evolved on the basis of existing electronic payments can be adopted to fully mobilize the enthusiasm and creativity of the market.

In other words: Blockchain is a technical route considered in the research and development of digital renminbi, but it is by no means the only option.

Digital RMB and Bitcoin

Blockchain is the underlying technology of Bitcoin .

Like Bitcoin, digital renminbi realizes point-to-point payment through smart contracts. It has strict procedures for cross-verification and is not easy to be forged; < /p>

Although they are both virtual currencies, the difference is that digital currency is a legal currency used for circulation and has legal effect; Bitcoin is a virtual asset and has investment value. .

Digital RMB and Blockchain

Although blockchain is not the only option, blockchain technology has strong competitiveness.

The digital renminbi adopts a two-tier operation system, that is, the People's Bank of China does not directly issue and exchange central bank digital currency to the public, but first exchanges the digital renminbi to designated operating agencies, which are then redeemed to the public. Operating institutions need to pay 100% reserves to the People's Bank of China. This is the 1:1 exchange process.

On July 28, the Agricultural Bank of China issued an announcement saying: Agricultural Bank of China Financial Technology Co., Ltd. (hereinafter referred to as "Agricultural Bank of China Financial Technology") was established through a subsidiary. ) was officially incorporated in Beijing with a registered capital of RMB 600 million.

According to the announcement, the business direction of Agricultural Bank of China Jinke is mainly to use financial technology to carry out technological innovation , software development, productsOperational and technical consulting. In the recruitment announcement issued by Agricultural Bank of China Jinke, the author found that there is a position in software research and development: blockchain research and development engineer.

The main responsibilities are: blockchain technology application research, project construction and optimization work, and promoting blockchain-based Chain banking business expansion and business optimization, and provide solutions.

From these actions, it can be seen that blockchain technology is one of the key technologies for banks to develop. No matter what the final digital renminbi will be, the area Blockchain technology will promote our continued progress and development.

Author of the article: Xiaolian Finance Dashi

⑸ What does Agricultural Bank of China’s e-account mean?

e-account "Tong" is an accounts receivable management service platform independently developed by Agricultural Bank of China based on blockchain technology. It uses "e-letter" as an electronic certificate of accounts receivable rights. Through Agricultural Bank of China's corporate online banking, it can provide services to core enterprises and suppliers in the supply chain. Provides full-process online financial services such as issuance, splitting, transfer, factoring and financing of accounts receivable, collection and payment at maturity.

eLongtong was jointly created by financial institutions and Investment and Finance. It is a reconciliation and accounting and fund management platform solution that integrates collection, management and payment. The solution provides aggregated collection, fund management, order splitting and settlement and clearing services. Improve the operation of platform enterprises...