区块链银行业现状分析,区块链银行业现状如何

近年来，随着区块链技术的发展，区块链银行业也取得了长足的发展。区块链银行业的现状如何？

从技术上来看，区块链银行业的技术发展已经达到了一定的水平。区块链技术可以有效地保护用户的隐私，并且可以提高交易的安全性和透明度。此外，区块链技术还可以支持多种货币，支持多种资产，支持多种金融服务，以及支持智能合约等功能。

从应用上来看，区块链银行业的应用已经取得了很大的进展。目前，区块链银行业已经开始应用于支付系统、金融服务、资产管理等多个领域。在支付领域，区块链银行可以实现更快速、更安全的支付服务；在金融服务领域，可以实现更低成本的金融服务；在资产管理领域，可以实现更高效的资产管理。

总的来说，区块链银行业发展良好，技术和应用都取得了很大的进展，为金融服务提供了更高效、更安全、更低成本的服务。未来，区块链银行业将会发展的更加迅速，可以为金融服务提供更多便利。

Ⅰ 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 It is the most popular topic at the moment, and many big guys in different industries are analyzing its role and prospects. Today we also do some research on blockchain. Is the blockchain useful? and what are the benefits of blockchain? I hope this analysis of the impact and prospects 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, thus avoiding many transaction costs., improve efficiency on a large scale, 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 electronic identity 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.

II After more than ten years, the blockchain is still tepid. Has it failed?

Almost everyone, even those who are skeptical about tokens, Have a positive view of blockchain technology as it has the potential to change the world. However, it has been 10 years since the advent of blockchain technology, and we still have not really used blockchain technology. Some people say that Bitcoin is built on blockchain technology, so the main use of blockchain is as a payment system, or as it develops, as a store of value.

Other uses of blockchain include, for example, as a distributed trading platform, as a new currency, smart contracts, distributed storage, authenticity verification, and immutable distributed ledgers. However, although these have been tried, there are no real applications.

Smart contracts are an interesting phenomenon. Founder Vitalik Buterin aims to create a global computing network that can completely eliminate the need for a centralized third party. This is certainly great in the modern world. However, smart contracts still have a long way to go. The DAO fiasco proved that smart contracts can still be fooled, or should we say, smart contracts are sometimes too smart for their own good.

However, as ICOs continue to use smart contracts forIts business foundation also proves that blockchain still has hope in this aspect. Whether it can play a major role in these fields remains to be seen.

The list goes on and on. Without a doubt, it can be deduced that blockchain technology can be integrated into almost all sectors of modern life (including those mentioned above). However, it has been nearly 10 years since the birth of blockchain technology, and no field has yet used blockchain technology to replace the original technology. The ideas are great, but the execution of this technology is simply too slow.

Ⅲ How big is the prospect 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.

IV CTFU platform application is put into production to see how blockchain can promote the development of the banking industry

On August 28, China’s banking industry The association organized a symposium on the construction of the "China Trade Finance Inter-bank Transaction Blockchain Platform" (referred to as the "CTFU Platform"). At the meeting, the China Banking Association and the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications Jointly signed the "CTFU Platform Service Agreement", officially kicking off the launch of the CTFU platform application.

As a new technology in the financial field, blockchain has continuously expanded its application scenarios and has had a profound impact on the entire banking industry. Affected by the impact, various banks have also increased their attention to blockchain technology and used blockchain technology to solve the current industry pain points.

What are the pain points in the banking industry?

[ if !supportLists]1, [endif] The cost of audit and verification is high. Currently, many bank operations require offline operations, and banking business relies on paper documents. A large amount of paper materials are required during the audit and verification process, which will consume a lot of Manpower and material resources.

[if !supportLists]2, [endif] Risk monitoring is difficult. Bank trade involves a wide range of, the transaction chain is long, there are many settlement methods, and sometimes regulatory data is not updated in time, which will bring potential business risks to banks.

[if !supportLists]3, [endif] Information sharing is difficult. Each department in the transaction chain is relatively independent. Each department has its own system, standards and management model. Information transparency is low, which makes it difficult to share information between departments.

[if !supportLists]4, [endif] Financing costs are high. In order to reduce their own risks, banks require financing deposits and provide mortgages, pledges, guarantees, etc., which further increases the financing costs of enterprises.

How does blockchain solve these pain points?

Taking CTFU as an example, when Tian Guoli, president of the China Banking Association and chairman of China Construction Bank, introduced the CTUF platform, he pointed out that the platform will play four roles:

1. Realize the standardization, electronicization and intelligence of inter-bank trade financial product transaction information and promote the development of supply chain finance.

Use blockchain technology to put transaction information on the chain, unify standards among banks, and then digitize various paper materials to reduce labor and material costs while ensuring transactions The credibility of information promotes the development of supply chain finance.

2. Improve trade financing efficiency, reduce financing costs, and enhance the quality and efficiency of financial services to the real economy.

In the blockchain, information will become more transparent, and communication between various departments within the bank will become more convenient and faster, improving the collaboration efficiency of all parties in the financing process. Processes are optimized and financing costs are reduced.

3. Use the characteristics of blockchain technology such as "distributed storage, transaction traceability, and non-tampering" to effectively prevent and control trade finance business risks.

Utilizing the non-tamperable characteristics of the blockchain, combined with digital signatures and transaction traceability, we can effectively achieve information credibility, effectively solve the bank's trust cost and audit verification cost, and facilitate the bank's trade finance industry Carry out risk management and control.

4. It is conducive to resource sharing and utilization and improves the association's service level to members.

With the help of blockchain technology, banks can share and utilize resources and information through end-to-end data exchange and effective verification.

Currently, trade finance and supply chain finance are the most feasible application scenarios of blockchain in traditional finance. But the possibilities brought by blockchain technology are certainly not limited to this. Banks will increasingly explore blockchain technology. The exploration and application of blockchain technology in the field of trade finance is worth looking forward to.

Follow the Bione Finance official account to learn more about blockchain information!

IV What are the application prospects of blockchain?

The application prospects of blockchain are mainly in the financial field, the Internet of Things and logistics, public services, digital copyright, and insurance.

1. Blockchain has huge potential application prospects in financial fields such as international exchange, letters of credit, equity registration and stock exchanges. The application of blockchain technology in the financial industry can eliminate the need for third-party intermediaries and achieve direct point-to-point connection.

2. Blockchain can also be naturally combined in the Internet of Things and logistics fields. This field is considered to be a promising application direction of blockchain. Establishing credit resources in the blockchain can double improve the security of transactions and improve the convenience of IoT transactions. Save time and cost for smart logistics model applications.

3. Blockchain is closely related to people’s production and life in public management, energy, transportation and other fields. The decentralized and fully distributed DNS service provided by the blockchain can realize domain name query and resolution through point-to-point data transmission services between various nodes in the network.

4. Through blockchain technology, works can be authenticated, proving the existence of text, video, audio and other works, and ensuring the authenticity and uniqueness of ownership. After the rights of the work are confirmed on the blockchain, subsequent transactions will be recorded in real time, realizing full life cycle management of digital copyright, and can also be used as a technical guarantee in judicial evidence collection.

5. In terms of insurance claims, insurance institutions are responsible for fund collection, investment, and claims settlement, and often have high management and operating costs. Through the application of smart contracts, there is no need for the policy holder to apply or the insurance company to approve it. As long as the claim settlement conditions are triggered, the insurance policy can automatically settle claims.

(5) Current status of blockchain banking industry Extended reading:

Core technology of blockchain

1. Consensus mechanism , through the voting of special nodes, the verification and confirmation of the transaction can be completed in a very short time; for a transaction, if several nodes with unrelated interests can reach a consensus, it can be considered that the entire network can also reach a consensus on it. The goal of the blockchain consensus mechanism is to enable all honest nodes to maintain a consistent view of the blockchain.

2. Asymmetric encryption requires two keys for encryption and decryption. These two keys are the public key and the private key. The public key corresponds to the private key. When the public key is used in the encryption process of data, it can only be decrypted by using the corresponding private key. On the contrary, when the private key is used in encrypting the data, only the corresponding private key can be used to decrypt the data. Only the corresponding public key can be decrypted.

VI Why do banks love blockchain so much

Many problems remain to be solved when banks compete for blockchain

As traditional financial institutions, banks are blockchain The most active pathfinder in the field. In recent years, many domestic and foreign banks have applied blockchain technology to credit, clearing and other fields. Blockchain’s unique trustThe mechanism is regarded by banks as a key technological breakthrough for innovative risk management and simplified transaction processes. However, as an emerging technology, the blockchain ecosystem is still in the process of being established, its applications are very limited, and many problems still need to be gradually solved during development.

“At present, the blockchain cannot run high-frequency and concurrent transactions, and the network speed and computing power cannot support it. For example, in the payment field, if it is online shopping, it can still be achieved; if It’s high-frequency trading in futures, so it can’t be done,” Huang Zhen said.

Jiang Peng said that at the beginning of designing the blockchain system, CITIC Bank carefully demonstrated the business links suitable for using blockchain.

“From global experience, it is not suitable to use blockchain to build large and complex systems. Don’t try to use blockchain to solve all problems, but focus on solving core problems. Do too much Complex systems are time-consuming, and technology develops so fast that before the old system is completed, it will face iterations of new technologies," Jiang Peng said.

The idea of ​​"only solving core problems" ensures that after the blockchain is launched, the relevant business operations of CITIC Bank branches can achieve business upgrades without process modification.

Fan Bin admitted that it will take time for banks to fully apply blockchain. IBM's investment in the blockchain open source community will continue, on the one hand, to cultivate the market, and on the other hand, to compete for blocks. The commanding heights of the chain platform. With the rapid iteration of blockchain technology itself, there is still a lot of room for imagination in the scenarios in which financial institutions can use this new technology.

Content comes from Xinhuanet

VII What is the prospect of blockchain and where is the future?

Prospects: A series of actions at the national level in China are enough to say that it is sensitive. Global blockchain standards will be led by China in the future, which has become a big goal for China. After China missed the right to speak in the Internet, it can no longer miss the right to speak in the blockchain. At present, China has the most blockchain projects besides the United States. As early as 2019, reports pointed out that China controls two-thirds of the world's encryption computing power. The Cryptozoology Law that China has voted to pass is also a careful layout for China to master blockchain standards. In the near future, this is an inevitable result. This means that if Chinese college students participate in the construction of this field, they will be able to take advantage of national policies, participate in the construction of the world's top industries, and become the main force in building this industry!
Future Judgment: There is no doubt that the support of national policies will be followed by the crazy pursuit of the capital market. In fact, this can be referred to the development history of the Internet. Any emerging sunrise industry will become the target of capital pursuit. How capital originally competed for the Internet, now the same drama will be staged for the blockchain.
It is recognized that the biggest application scenario of blockchain is the financial industry, because the biggest attribute of Bitcoin with the birth of blockchain is financial attribute. The use of blockchain technology in the government affairs system can solve many problems in handling affairs, lack of information circulation, and save more costs and time. Therefore, pilot projects in these two industries can alsoIt is in line with the characteristics and needs of blockchain.
In addition, as blockchain technology continues to mature, in addition to these two industries, blockchain will quickly penetrate into all walks of life and solve industry pain points, such as: the game industry, solving game asset property rights issues; manufacturing industry, to solve the problem of fake brand supply; the medical industry, to solve the problem of medical file exchange; the financial industry, to solve the problem of fast cross-border payments; students with a financial major background will be the first group to enjoy the employment dividends of the industry, and then follow As the technology matures, students regardless of professional background will be able to participate. However, students with traditional professional backgrounds also seriously lack blockchain-related knowledge. If they want to enjoy the dividends, they must supplement blockchain knowledge.