京东区块链技术实践白皮书,京东区块链技术

近年来，随着区块链技术的发展，它已经在各行各业得到了广泛应用。作为全球最大的B2C电子商务平台，京东也在区块链技术的探索和实践中发挥着重要作用。

2018年，京东发布了《京东区块链技术实践白皮书》，介绍了京东在区块链技术实践中的经验和成果。白皮书指出，京东在区块链技术实践中，重点突出了“安全、可信、高效”的原则，以及“共识、账本、智能合约”三大核心技术的深入研究和实践。

京东已经在实践中取得了一定的成果，例如，在安全方面，京东发布了基于区块链的可信身份认证服务，为用户提供安全可靠的身份认证服务；在账本方面，京东建立了基于区块链的供应链金融账本，实现了供应链金融和供应链数据的可信记录；在智能合约方面，京东推出了基于区块链的智能合约服务，实现了双方合同的可信签署和执行。

京东的区块链技术实践，为更多企业探索和实践提供了参考。安全、可信、高效的原则，以及“共识、账本、智能合约”三大核心技术的深入研究和实践，是推动区块链技术发展的重要因素。未来，京东将继续加大对区块链技术的投入，为更多的行业实现数字化转型提供有力支持。

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⑴ How to write a blockchain project white paper

White Paper (English: White Paper) usually refers to an authoritative report or guidance text used to explain, solve or decision making. The white paper has applications in both government and B2G markets. It can be seen that the white paper is more of an official document and pays attention to seeking truth from facts. When Satoshi Nakamoto wrote the white paper, it was to give Bitcoin seriousness and authority. But there is a difference between a blockchain project’s white paper and an official government document. It is more like a company’s business financing plan. The content that should be included in an enterprise's business financing plan is also introduced in the blockchain project white paper, such as project introduction, team introduction, technology introduction, business model, financing amount, etc.
The white paper of a blockchain project generally contains the following four aspects (of course, the specific expression methods are different):
Abstract, design principles and concepts, specific project implementation plan, and project prospects
>The white paper of a blockchain project showcases the project and shows the market its business model, technical strength, team capabilities, development vision, etc. This is a very important basis for investors to judge the quality of this project. It is also a comprehensive display of the strength of the blockchain project team. For investors, the white paper of a blockchain project can provide most of the information about the project, thereby helping them make valuable investment decisions. For the project team, writing a blockchain project white paper can also lay a very good foundation for crowdfunding the project.
The essence of the white paper is the entrepreneur’s financing promotion to potential investors, so it needs to be as detailed and detailed as possible.
Corporate vision, core team, market and problems, products and solutions, about Token, fund use statistics and forecasts, and development planning.
Investors are looking for:
Company information, prototype, blockchain application, team strength, strategic gap, competition, planning path, research basis, format.
Considering the level of detail with which investors browse white papers, the content of the white paper should not contain content that may cause investors to worry. Therefore, founders need to be very careful to ensure that they provide as much information as possible, but also that the information is simple, easy to understand, supported by research or statistics, and well presented.
The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only approved "Blockchain Technology Professional" pilot of the "Smart Learning Workshop 2020- Xueshuo Innovation Workstation" launched by the School Planning, Construction and Development Center of the Ministry of Education of China. workstation. The professional base is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

⑵ What are the characteristics of blockchain

Characteristics of blockchain

One of the four characteristics of blockchain: non-tampering

The most easily understood feature of blockchain is that it cannot be tampered with.

Immutability is formed based on the unique ledger of "block+chain": blocks containing transactions are continuously added to the end of the chain in chronological order. To modify the data in a block, all blocks after it need to be regenerated.
One of the important functions of the consensus mechanism is to make it extremely costly to modify a large number of blocks, making it almost impossible. Taking blockchain networks that use proof-of-work (such as Bitcoin and Ethereum) as an example, only 51% of the computing power can regenerate all blocks to tamper with data. However, destroying data is not in the self-interest of players with large computing power, and this practical design enhances the reliability of data on the blockchain.
Generally, the transaction data in the blockchain ledger can be regarded as not being "modified", it can only be "corrected" through approved new transactions. The process of modification will leave traces, which is why the blockchain is said to be tamper-proof. Tampering refers to alteration or distortion by false means.
In commonly used files and relational data, the system itself does not record modification traces unless special design is adopted. The blockchain ledger adopts a different design from files and databases. It draws on the actual ledger design - retaining record traces. Therefore, we cannot "modify" the ledger without leaving traces, but can only "amend" the ledger (see Figure 2).

Figure 6: Bitcoin is organizationally decentralized and logically centralized

In envisioning future organizations At the time, the ideal prototype in our minds was often the Bitcoin organization: a fully decentralized autonomous organization. But in practice, for the sake of efficiency and advancement, we will move slightly closer to a centralized organization and eventually find a suitable balance point.

Now, among blockchain projects that create and issue tokens through Ethereum’s smart contracts and operate in a community or ecological manner, the ideal state of many projects is an organization similar to Bitcoin , but the actual situation is between a completely decentralized organization and a traditional company.

When discussing decentralized self-organization, the fourth feature of blockchain, we are actually moving beyond the world of code to involve human organization and collaboration. Now, various discussions and practical explorations have also revealed the significance of blockchain beyond technology: it may serve as infrastructure to support human production organization and collaborative changes. This is another example that blockchain and the Internet are completely isomorphic. The Internet is not just a technology, it has changed people's organization and collaboration.

In general, Ethereum brings blockchain to a new stage. When discussing Ethereum, if we want to summarize two keywords, then these two keywords are smart contracts and tokens; and if I can only talk about one, I will choose "token". I would be more willing to find its meaning from the history of the Internet, repeatPrevious analogy: Tokens, as representations of value, play a similar role to HTML. After having HTML, what kind of website we build depends entirely on our imagination.

⑶ The "Research Report on Digital Collections Based on Blockchain" was officially released and was jointly compiled by Hundsun Electronics.

This newspaper reported that recently, the "Research Report on Digital Collections Based on Blockchain" was hosted and compiled by the Trusted Blockchain Promotion Plan. Research Report on Digital Collections Based on Blockchain" (hereinafter referred to as the "Research Report") was officially released. As one of the writing units, Hundsun Electronics collaborated with China Academy of Information and Communications Technology, Ant Blockchain, Tencent Cloud, JD Technology, Qulian Technology and other institutions to compile this report.

With the rapid development of digital technology, digital rights confirmation technology represented by blockchain has begun to emerge in the cultural and creative industries, providing innovative solutions for the confirmation and circulation of digital cultural and creative works, and more It is good to protect the copyright of creative works on the chain.

Since 2021, the popularity of non-fungible tokens (NFT) has skyrocketed at home and abroad. It is a new type of digital work ownership certificate that uses blockchain technology. By converting cultural and creative works The ownership rights are stored on the decentralized blockchain network, which effectively solves the pain points of digital cultural works in terms of difficulty in confirming copyright rights, tracing copyright, and obtaining evidence for rights protection.

However, there are also many risks in the development of NFT. For example: because NFT is issued on a public chain, node behavior is difficult to control, and digital collections may contain content that is prohibited from dissemination; public chain transactions can easily breed money laundering , fraud and other issues; NFT has strong digital asset attributes, obvious financialization trends, and high market hype. In addition, the public chain has many uncontrollable factors at the regulatory level and needs to be standardized and developed.

In order to avoid related risks, domestic blockchain research institutions have learned from foreign NFT technology and business models, stripped off their digital asset attributes, adhered to the principle of localization and compliance, and explored the implementation of blockchain-based The digital collections issued on the alliance chain ensure that the value of blockchain technology in digital copyright protection is fully utilized within the framework of regulatory compliance.

The "Research Report" clearly defines the conceptual characteristics of blockchain digital collections: Blockchain-based digital collections are digital works and art that use blockchain technology to confirm the ownership of rights and interests through unique identification. Products and commodities can be marked with their owners in the blockchain network and the subsequent circulation can be traced, including but not limited to digital pictures, music, videos, electronic tickets, digital souvenirs and other forms, with uniqueness, Technical characteristics such as indivisibility, non-tamperability, verifiability, and scarcity.

Both NFT and blockchain-based digital collections use blockchain technology to solve the problem of confirming the rights of digital works. Technically, there is no essential difference. However, from a business perspective, digital collections in public chains pay more attention to the social attributes, hype attributes, and speculation attributes of the community, while alliancesDigital collections in the chain are generally endorsed by relatively powerful issuers and have better collection and real-world value attributes. In addition, the issuance of digital collections on the alliance chain can truly remove the currency attribute, making the financial attributes of digital collections even lower.

(Editor Bai Baoyu)

⑷ What is the current situation of China’s blockchain

China’s blockchain industry has developed rapidly in 2019, which is mainly reflected in the following Several points:

First, the country’s high-level strategic guidance and support create a good policy environment. According to incomplete statistics, in the first half of 2019, more than 23 provinces and cities across the country released more than 112 pieces of policy information involving blockchain. High-level government officials emphasized that the application of blockchain technology plays an important role in technological innovation and industrial transformation, and supported the accelerated development of blockchain technology and industrial innovation.

In addition, market supervision policies regarding blockchain have also gradually improved. On the one hand, strict vigilance and testing are carried out for virtual currency transactions and services; on the other hand, related industries with blockchain applications The regulatory system is also being further constructed and improved to provide a strong guarantee for industrial blockchain projects to deeply serve the real economy. The market has become more standardized and the industrial environment has gradually become clearer. In addition, support for technological breakthroughs and talent encouragement has also been provided through the establishment of blockchain Industrial parks, blockchain special investment funds and other means will subsidize technological innovation and talent introduction to promote the development of the blockchain industry.

Second, domestic enterprises actively participate in the research and development and application of blockchain technology and carry out blockchain strategic layout. For example, e-commerce giants such as Alibaba use blockchain technology in areas such as product traceability and cross-border settlement. JD.com uses a transparent supply chain system to combat counterfeit and shoddy products. Tencent focuses on the development of applications in financial fields such as electronic invoices.

⑸ Interpretation of 2020 JD.com’s second quarter financial report: Technology investment has become the secret to JD.com’s steady growth in adversity

On August 17, JD.com Group released its second quarter financial report: net income achieved in the second quarter of 2020 201.1 billion yuan (approximately US$28.5 billion), a year-on-year increase of 33.8%. This growth rate not only set a new high for JD.com in the past 10 quarters, but also achieved a single-quarter net income of more than 200 billion yuan for the first time, creating a new era for China’s retail and Internet A new industry record for single-quarter revenue. In addition, smart logistics has also achieved remarkable results. JD Logistics' "Asia No. 1" smart logistics center in Langfang Economic Development Zone was officially opened. The park is equipped with Asia's e-commerce industry's first automated storage and picking system for large items, which greatly improves the processing efficiency of large items such as air conditioners, refrigerators, and furniture. As of June 30, 2020, JD Logistics operated more than 750 warehouses. Including the cloud warehouse area managed by JD Logistics, the total warehousing area of ​​JD Logistics is approximately 18 million square meters.

5G, artificial intelligence, big data, blockchain... With the rapid development of technology,In today's ever-changing world, promoting technological innovation is the primary driving force for the development of all Internet companies. Especially in this year's special development environment, technology has become the key for Internet companies to break through adversity. JD.com has always attached great importance to technology investment, and technology drive is the core strategy of JD Logistics and an important driving force for JD Group to achieve steady growth in adversity.

Data is boring but also the most convincing. As the first national shopping festival in the post-epidemic era, JD.com’s 618 this year set a new record of 269.2 billion in order volume. Driven by technology, JD Logistics’ open business revenue increased by more than 80% year-on-year. Same-day and next-day delivery of integrated warehouse and distribution orders accounted for more than 91%. Nationwide, 24-hour delivery accounted for more than 90% of districts and counties, maintaining its proportion. The standard is usually even higher.

Relying on technology accumulation and logistics infrastructure, in the past few months, JD Logistics has withstood the pressure and taken multiple measures to maximize the technical capabilities built over more than ten years, while protecting people's livelihood and promoting logistics. Production and stable growth have played a key role.

Enterprises are the main body of the society and economy. When social and economic development faces difficulties, more outstanding companies with the strength and ability to turn the tide need to stand up, stand up, and turn crises into opportunities. From stepping forward during the outbreak to proactively leading the way in the post-epidemic era, JD Logistics’ actions can be regarded as an example.

"New infrastructure" explodes with surging momentum

"In the next twelve years, we will only have three things - technology! Technology! Technology! "This is the end of the key speech at the JD.com Group's annual meeting in early 2017. This year was also a watershed in the development history of JD Logistics. JD Logistics officially transformed from corporate logistics to logistics enterprise, and a large number of practical scenarios made JD Logistics more deeply aware that technology is the first factor leading the development and reform of logistics. Continuous expansion in the technology field has also become the secret to JD Logistics’ outstanding performance during this year’s epidemic and the economic recovery in the post-epidemic era.

As the first national shopping festival in the post-epidemic era, this year’s JD.com 618 has placed too many expectations on it, and JD.com has lived up to expectations and delivered a record-breaking performance. Among them, JD Logistics, which is responsible for the important guarantee task of this nationwide consumption carnival, has also completed phenomenal operations that are even better than usual. Among them, core logistics technology covering all scenarios plays an extremely important role.

As one of the core technologies of new infrastructure, 5G technology has become the focus of competition among major Internet companies. As an explorer at the forefront of logistics technology, JD Logistics has joined hands with the three major operators to explore the implementation of the technology since 5G was officially commercialized. At present, all Asia Ones of JD Logistics have covered 5G networks, and with the support of 5G technology, they can provide consumers with more efficient services.

During this year’s 618 period, JD Logistics’ digital fleet integration has been accessedIt manages and operates nearly 200,000 vehicles and more than 150,000 pieces of safety auxiliary management equipment. It has completed hundreds of thousands of cold chain, large items, B network, C network, and TC transportation tasks, ensuring the safety of logistics transportation and goods. At the same time, the station vehicle dispatching systems launched in Beijing Yayi and Mayong Yayi rely on 5G technology to achieve efficient collaboration of vehicles, bid farewell to traditional manual methods, and realize intelligent vehicle management and in-park dispatch guidance for a total of 20,659 task vehicles. , greatly optimizing the dispatching efficiency of stations and vehicles.

"Black technology" paved the best way to reduce costs and increase efficiency

The continuous research and development of "black technology" has allowed JD Logistics to find the best way to reduce costs and increase efficiency. .

In the second quarter of this year, Asia’s first full-process intelligent flexible production logistics park, JD Logistics Beidou New Warehouse, was completed and put into use in Tianjin. The warehouse has 100% of its expertise in software, hardware and model innovation. Independent intellectual property is a new generation of advanced large-scale automated warehousing production and management system in the e-commerce industry, following the full-process unmanned warehouse, Dilang warehouse, Tiancang and Asia's No. 1 smart warehouse.

JD Logistics has also invested in Asia's first large-scale automatic three-dimensional warehouse in Langfang Yayi. Through automated storage and integrated picking, the efficiency is more than three times higher than that of traditional warehouses. In addition, the intelligent review system launched by JD Logistics can process 45,000 books in a single day; the Internet of Things lighting system realizes intelligent sensing, remote operation, and intelligent equipment connection. On the basis of reducing energy consumption by 90%, the life span can reach more than 10 years. The logistics GIS system supported by AI technology also realizes intelligent order allocation optimization, and intelligent production scheduling improves the accuracy of production capacity control by 20 percentage points, reaching more than 90%.

Since last year, JD Logistics has deeply explored the business scenarios of the Internet of Things blockchain and launched innovative application products such as "Chain Signature" and "Jingyuan Chain".

Among them, Jingyuan Chain has realized the data collection of the whole process information of agricultural products by cooperating with front-end Internet of Things equipment. It relies on Jingdong blockchain technology to establish encrypted traceability QR codes, realizing Jingdong’s fresh products covering farming management. Information traceability and openness and transparency in all aspects of collection and collection. On-chain signature technology not only achieves higher protection of user information, but also uses blockchain electronic documents to replace paper documents, achieving second-level reconciliation, bringing exponential improvements to the operating efficiency of all aspects of the logistics process, creating a seamless Paper-based green logistics.

Build a supply chain technology system to link the whole society

Openness is the development concept that JD Logistics has adhered to since its establishment.

In October last year, JD Logistics established a 5G smart logistics application system with 5G + IoT + artificial intelligence as the underlying core, and exported a series of products such as smart parks, smart digital fleets, smart logistics maps, and value supply chains. andsolution. By this year, more and more partners have enjoyed the technological driving force brought by LoMir and jointly ensured the 618 promotion.

Taking advantage of the booming development of the industrial Internet, based on its rich experience and technical capabilities in supply chain services, JD Logistics officially proposed at the 2019 Global Smart Logistics Summit held in October last year to join hands with partners Jointly build a supply chain industry platform (OPDS) to promote the industry into an era of high efficiency.

The supply chain industry platform built by JD Logistics mainly focuses on two major directions. One is to provide full supply chain services, and the other is to build a supply chain technology platform. Focusing on full supply chain services, JD Logistics will use "double 24 hours" and "double 48 hours" to open up the entire production and sales chain and double domestic and international connections, especially in the "first mile" to achieve "24-hour delivery from the origin to the country." "Promoting 24-hour delivery to thousands of counties and towns" in the last mile. Focusing on supply chain technology, JD Logistics has created a three-dimensional supply chain technology platform covering three levels: underlying technology, software and hardware systems, and intelligent supply chain. It can be modularized In the future, the digital transformation of China's economy provides broad prospects for JD Logistics to transform the traditional supply chain. JD Logistics will continue to use integrated supply chain services to drive greater openness and build a full-scenario The logistics technology system promotes network sinking and production and marketing links, and joins hands with a wider range of partners to jointly promote the logistics industry to be integrated into every aspect of commercial civilization and social life, creating a new era of logistics.

⑹ Is JD.com’s blockchain white paper out?

On March 22, JD.com officially released a blockchain solution white paper, claiming that it uses blockchain as a “linker” and combines its own expertise in cloud computing, big data, With the experience accumulated in new technologies such as artificial intelligence and the Internet of Things, we will build an integrated smart supply chain system, retail network and financial technology to shorten the distance between products and customers. Under the guidance of the group strategy of unbounded retail, we will fully open our own regions. Blockchain technology accumulation.

JD Group Chief Technology Officer Zhang Chen said that in order to promote the development of blockchain technology and the integration of various business scenarios of JD Group, the use of blockchain Technology promotes the recording, flow and exchange of valuable big data. Jingdong Group has united various internal functions, technologies, and business systems to conduct special research on blockchain technology and application development trends, and compiled the "Jingdong Blockchain Technology Practice White Paper" ( 2018)". The white paper summarizes the development status and direction of blockchain core technology in JD Group, shares typical application cases of JD Group's various business implementation practices, and puts forward relevant suggestions for the blockchain technology development roadmap and standardization roadmap. .

⑺ What does the white paper in the blockchain refer to?

What does the white paper in the blockchain refer to? Just like the white paper issued by the state is the same.

⑻ Only one model will be reserved from November 1st, and sales will stop after the Spring Festival in 2021! High-frequency quick-open lottery delisting in an orderly manner

Top news

The China Securities Association released the "Report on China's Securities Industry Serving the Real Economy (2020)", which recommended: Strengthening the intermediary foundation of investment banks functions to serve entity corporate financing and investor wealth management; improve service efficiency and professionalism, and promote the construction of a "dual cycle" development pattern; integrate into the high-level two-way opening of the capital market to improve the international competitiveness of securities companies; develop inclusive Finance provides precise support to key areas and weak links in economic and social development.

Daily Financial News

Six departments including the National Development and Reform Commission, the Ministry of Science and Technology, and the Ministry of Industry and Information Technology jointly issued the "Implementation Opinions on Supporting Private Enterprises to Accelerate Reform, Development, Transformation and Upgrading" to effectively reduce the cost of enterprises. 38 measures were put forward in terms of production and operation costs, strengthening scientific and technological innovation support, improving resource factor protection, and focusing on solving financing difficulties.

The Ministry of Finance and three other ministries announced that starting from November 1, each local welfare lottery quick game and sports lottery high-frequency game will be temporarily reserved, and the rest will be suspended. After the Spring Festival of 2021, all high-frequency quick-release games will stop selling.

The "Cosmetics Supervision and Administration Regulations" will be officially implemented on January 1 next year. Industry insiders say that a number of companies will be eliminated.

The 128th Canton Fair ended on the 24th. Nearly 26,000 exhibitors displayed on the same stage at this Canton Fair, and a total of more than 2.47 million exhibits were uploaded, 350,000 more than the previous session.

The number of people who have applied for the national examination and passed the pre-examination examination has exceeded 1.1 million, and one person has been selected from 2,774 for the most popular position.

Local

Beijing’s financial sector will welcome a package of favorable policies, including further deepening the reform of the New Third Board, supporting Beijing’s financial technology innovation, and supporting wider opening up of the financial sector.

Shanghai: The winning rate of Shanghai brand auctions in October was 12.7%, which has remained above 10% for 7 consecutive months. This month, 14,000 Shanghai brands have been allocated individual quotas.

The Yangtze River Delta (Shanghai) Internet Hospital was officially put into operation. The hospital will integrate high-quality medical resources in the Yangtze River Delta region, optimize online and offline service processes, and open up the "last mile" for residents in the Yangtze River Delta to enjoy high-quality medical resources.

2020 Bund Financial Summit

Central Bank Governor Yi Gang: The negative list is not inconsistent with licensed operations in the financial industry. Under the negative list model, financial institutions must also meet qualification requirements and operate with a license before entering and developing their business.

Zhou Xiaochuan, former governor of the Central Bank: "One Belt, One Road" should emphasize multilateralism, trade liberalization and investment facilitation. The current debt suspension plan for developing countries does not mean debt reduction and debt elimination. The epidemic is relatively complex, and what will happen after the epidemic still needs to be studied.

Deputy Ministry of FinanceMinister Zou Jiayi: The epidemic has forced the digital economy to accelerate development. Blockchain, cloud computing, big data, and artificial intelligence technologies are widely used in the financial field. Traditional financial formats are being reshaped.

Fang Xinghai, Vice Chairman of the China Securities Regulatory Commission: While steadily liberalizing cross-border investment and financing restrictions, we will pay more attention to the in-depth integration of institutional rules, continuously enhance the predictability and stability of policies, and promote China's capital market. , transforming from partial pipeline opening to comprehensive institutional opening.

Cai Fang, Vice President of the Chinese Academy of Social Sciences: The "14th Five-Year Plan" period is the best period to establish a good social security mechanism, a basic public service system, and increase redistribution.

Ma Jiantang, Secretary of the Party Leadership Group of the Development Research Center of the State Council: China’s macro final consumption rate is generally low. In 2018, China's final consumption rate was about 55%, significantly lower than the level of about 80% in developed countries. During the "14th Five-Year Plan" period, the income level of middle-income groups should be increased, the fertility policy should be appropriately optimized, and my country's consumption rate should be further increased.

Tu Guangshao, Chairman of Shanghai New Financial Research Institute: In response to the current international and domestic environment that have undergone great changes and entered a new pattern, we must create version 3.0 of Shanghai's international financial center construction.

IMF Vice President Zhang Tao: The global economy is expected to shrink by 4.4% in 2020, and China’s economic growth will reach 1.9%. The recovery of China's economy will provide a strong impetus for economic growth in the Asia-Pacific and will also make a positive contribution to the economic recovery of other parts of the world.

Opinion

Li Daokui, Dean of the Institute of Chinese Economic Thought and Practice at Tsinghua University: China’s economic growth rate is likely to reach more than 7% in 2021. "Double 11" is a consumption explosion point, and we are optimistic about the household appliances and automobile industries.

Gao Peiyong, Vice President of the Chinese Academy of Social Sciences: The new development pattern is a strategic deployment put forward under the background that my country’s economic security is threatened. The fundamental starting point for building a new development pattern is to maintain economic security.

"Securities Times" front page comment: The flexibility of the RMB exchange rate has increased, and companies must change their linear thinking. Instead of betting on whether the RMB exchange rate will appreciate unilaterally or depreciate in the future, market entities should take countermeasures in advance to hedge against the more likely wide fluctuations in the exchange rate.

Company

Cainiao CEO Wan Lin: This year’s “Double 11” logistics will set a new record in scale and efficiency. China's annual parcel volume exceeded 60 billion in October this year, and it only took 38 days to go from 50 billion to 60 billion.

JD Digital released the "JD Blockchain Technology Practice White Paper 2020".

The China Banking and Insurance Regulatory Commission issued a penalty announcement. AIA Life Insurance Beijing Branch received its first fine since its establishment for instigating and inducing insurance agents to violate their fiduciary obligations.

Epidemic Prevention and Control

Beijing Disease Control and Prevention Reminder: Do not leave the country unless necessary and do not go there if there is an epidemiccountry or region.

The Health Commission of the Xinjiang Uygur Autonomous Region reported on the 24th that an asymptomatic case of new coronavirus pneumonia was found in Shufu County, Kashgar Prefecture, and currently has no symptoms such as fever or cough.

Today is the Double Ninth Festival

The ninth day of the ninth lunar month is the Double Ninth Festival. The Double Ninth Festival is also called "Autumn Festival". In ancient times, during the Double Ninth Festival, people had customs such as climbing high to pray for blessings, going on autumn outings to appreciate chrysanthemums, planting dogwood trees, worshiping gods and ancestors, and drinking banquets to pray for longevity. Since 1989, our country has designated the 9th day of the ninth lunar month as the "Respect for the Elderly". The traditional Double Ninth Festival has also become a festival of respecting, respecting, loving and helping the elderly.

AI voice learning is ongoing,

There are some inappropriate pronunciation and sentence segmentation,

Welcome to leave a message to point out!

⑼ To develop digital inclusive finance, it is necessary to prevent secondary risks

How to use digital technology to improve the accessibility of inclusive finance and reduce operating costs has become an important issue for inclusive finance at this stage. important issues in the field.

JD Financial Research Institute recently jointly released the "Industry Practice of Digital Transformation of Inclusive Finance" (hereinafter referred to as the "White Paper") with the Small and Medium Enterprise Research Center of the Chinese Academy of Social Sciences. The white paper believes that digital technologies represented by cloud computing, big data, mobile Internet, artificial intelligence, etc., have accelerated the formation of digital inclusive financial models and helped solve the problems of "universality" and "benefit", service quality and availability of inclusive finance. Ongoing issues. Digital inclusive finance is an irreversible trend in the development of inclusive finance and will play an increasingly important role in promoting the "grassrootsization" of China's finance.

Inclusive financial services, which focus on small and micro enterprises, farmers, etc., have achieved a lot in recent years. However, the problems of low business coverage, low single-household returns, and difficult risk control have always been exist. The reason is that the target groups of inclusive finance are large in number and small in scale. In the early stage of collecting customer information, traditional financial institutions need to invest a lot of manpower, and it is difficult to achieve precise customer marketing. At the same time, traditional financial product service procedures are cumbersome, resulting in extremely low single-user returns in inclusive financial services, and many institutions are unable to expand their business.

In this regard, the white paper believes that the use of digital technology can not only solve the problem of customer acquisition, but also reduce the operating costs of institutions and improve single-family customers through the optimization of credit approval technology and the improvement of risk control capabilities. rate of return.

"Digital inclusive finance is an irreversible trend in the development of inclusive finance." Meng Zhaoli, president of JD Financial Research Institute, believes that on the one hand, digital inclusive finance has changed the credit logic of traditional inclusive finance. The idea that numbers are credit becomes a reality. On the other hand, digital inclusive finance also reduces the service costs of traditional inclusive finance and improves operational efficiency.

More importantly, digital technology can not only bring new market increments, but also expandBroadening the coverage of financial services has also promoted the optimization of the industry ecology and provided a "breakthrough" path to the dilemma of traditional inclusive financial development.

For example, in terms of rural finance, the "digital agricultural loan" model not only changes the logic of traditional credit relying on collateral, but also significantly optimizes the digital management level of the agricultural industry. In terms of solving the financing difficulties of small and medium-sized enterprises, full supply chain financial solutions based on digital technology can significantly improve the comprehensive supply chain management capabilities of different industries. The technology crowdfunding model of big data precision marketing and SaaS service platform has been introduced, which greatly improves the efficiency of crowdfunding. In the future, it can also be organically combined with AR/VR and blockchain technology.

“What needs to be innovated now is not just digital technology, but also the way technology is applied to finance and industrial operations, the exploration of market space by technology, and the reshaping of industry ecology. This is digital inclusive finance. The necessary prerequisite for 'opening up the last mile'." mentioned in the white paper.

"China's economy is shifting to high-quality development, not only to promote the deep integration of the Internet, big data, artificial intelligence and the real economy, but also to deeply integrate with financial services, and use new means to improve the ability of financial services to serve the real economy. Capabilities." He Jun, director of the Small and Medium Enterprises Research Center of the Chinese Academy of Social Sciences, said that society has entered the digital era and is facing changes. The choice that all walks of life must make is no longer "whether to" digital transformation, but "how to transform."

The same is true for the development of digital inclusive finance. At present, many financial institutions have put digital transformation on their agenda, and financial technology companies are becoming more and more involved.

The white paper believes that the advantage of financial institutions lies in having financial licenses for relevant businesses and a sound network system, which gives them an innate advantage in acquiring customers. The advantage of financial technology companies lies in their strong technical strength and data resources, which have the advantages of reducing service costs and optimizing risk control. Therefore, the multi-level and in-depth cooperation between the two parties will help increase the speed and scale of the development of digital inclusive finance in a short period of time.

However, the white paper also reminds that the secondary risks of digital financial inclusion also require great attention. Among them, it not only includes vulnerability liquidity risk, settlement risk, operational risk, financing risk and data privacy protection risk, but also faces technical risks, platform risks, etc. The new risks brought by digital finance will intersect and overlap with the inherent risks of financial services. In addition, digital inclusive financial products are updated and iterated rapidly, which may form diversified financial risks.

In this regard, Meng Zhaoli suggested that in addition to improving regulatory frameworks such as laws and policies, we can also consider using big data, artificial intelligence and other technological means to innovate regulatory models. Reduce regulatory blind spots by increasing the scope and frequency of data collection. Use information collection and sharing technology to achieve cross-platform supervision and make cross-platform data exchanges transparent. Proper use of remote technology to strengthenCommunication between financial practitioners and regulatory authorities reduces risk misjudgments caused by information asymmetry. Comprehensively integrate digital financial risk control system information such as credit assessment systems, anti-fraud systems, and monitoring and early warning systems to identify and combat individual risks in advance to prevent risks from spreading and annihilating.