区块链数字银行是什么,区块链数字货币pocc

近几年，区块链技术及其相关的数字货币和数字银行正在发展迅速，越来越多的人开始关注它们。那么，区块链数字银行是什么呢？今天，我们就来聊聊区块链数字银行和POCC的相关内容。

区块链数字银行是将传统银行的服务以区块链技术的形式实现的金融机构。它可以为用户提供包括存款、取款、贷款、投资、保险、支付等多种金融服务，帮助用户更加方便、安全地管理资金。与传统银行相比，区块链数字银行的优势在于，它可以更快捷地完成资金交易，并且拥有更高的安全性和可信度。

另外，POCC（Proof-of-Capital-Consumption）是一种新型的区块链数字货币，它是由投资者及其资本消费的证明而产生的。POCC的核心特点是，它可以更有效地激励投资者，在投资项目中，投资者可以获得更多的收益，而且，投资者的投资行为也会被记录到区块链上，从而更有效地保护投资者的权益。

总的来说，区块链数字银行是一种具有前瞻性的金融机构，它可以帮助用户更加方便、安全地管理资金。而POCC则是一种新型的区块链数字货币，它可以更有效地激励投资者，并且可以有效地保护投资者的权益。

通过区块链数字银行和POCC，我们可以看到，区块链技术正在改变金融行业，为投资者提供更多的便利和安全保障。未来，区块链技术将会越来越普及，为金融行业带来更多的创新和发展。

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⑴ Why do banks love blockchain so much

As traditional financial institutions, banks are the most active pathfinders in the field of blockchain. In recent years, many domestic and foreign banks have applied blockchain technology to credit, clearing and other fields. The unique trust mechanism of blockchain 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. Blockchain is an emerging digital technology. Its biggest feature is the establishment of a consensus mechanism and the ability to implement smart contracts. The consensus mechanism ensures that different nodes can share information, establish trust, and obtain rights and interests, and the information cannot be tampered with; smart contracts ensure that when the contract conditions are met, the contract will be executed accurately and automatically, which is not only efficient, but also avoids external interference. As an international emerging distributed digital financial platform, GSN first proposed the concept of on-chain social banking in the financial field and built a distributed point-to-point transaction system based on blockchain technology, thus creating a fully transparent and distributed A new generation of financial service platform with strong records and scalability solves the problems of trust crisis, internal consumption, information opacity and other problems existing in traditional banks. A global community has been created, and members use blockchain and smart contract technology to provide a social banking service system. This advantage has also attracted the pursuit of many capitals and market attention. It is reported that More Capital and GSN are in close contact recently to discuss how to help it quickly gain an advantage in the market through listing, create a new blockchain financial environment, and facilitate the development of the blockchain industry and the digital transformation of the real industry. Upgrade injects a shot in the arm.

⑵ What is blockchain and what is digital currency

Blockchain is an important concept of Bitcoin and is essentially a decentralized database.
At the same time, as the underlying technology of Bitcoin, it is a series of data blocks generated using cryptographic methods. Each data block contains a batch of Bitcoin network transaction information, which is used to verify the validity of its information. (anti-counterfeiting) and generate the next block. Digital currency is an unregulated, digital currency that is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking Authority defines virtual currency as: a digital representation of value that is not issued by a central bank or authority and is not linked to a legal tender, but which, because it is accepted by the public, can be used as a means of payment or can be transferred, stored or traded electronically. .
The content of this article comes from: China Law Publishing House's "Complete Knowledge of Legal Life Common Sense Series"

⑶ How is blockchain technology used in the banking industry

Block The biggest feature of chain technology is decentralization, and this feature will reduce a lot of costs for the banking industry.

First of all, decentralization means that intermediaries are no longer needed to establish trust mechanisms between banking systems, saving intermediary costs..

Secondly, the development of digital currency will make it possible to realize real-time digital transactions in banks. For example, in bill transactions, bank bill transactions have always relied on a third party to realize the transfer of valuable certificates. Even electronic bill transactions require interactive authentication through information from the central bank's ECDS system. Blockchain technology can realize point-to-point transfer of value and no longer requires centralized system control. This not only speeds up the speed of ticket transfer, but more importantly, it can reduce errors caused by human factors and reduce processes. Naturally, it will reduce the bank's demand for personnel and save the bank's labor costs.

Finally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by central clearing, which is inefficient. Settlement through blockchain technology will greatly improve the efficiency of banks.

Blockchain technology also plays a major role in banks’ cross-border payment services. Today, when global trade is highly developed, cross-border payments are becoming more and more frequent, and banks often act as third-party services in cross-border trade, such as electronic transfers, asset custody, etc. However, cross-border payments generally take about 2 days to arrive, which is very inefficient and reduces the utilization of funds in transit. In blockchain technology, both parties of cross-border payments can be completed in a point-to-point manner, achieving round-the-clock payment and real-time arrival, thereby speeding up clearing and settlement, thereby improving the efficiency of bank processing business.

Another feature of blockchain technology is de-risking. Banks can build their own blockchain, which can ensure that bank customers’ transaction information and transaction records are true and valid and will not be compromised. Without any tampering, the bank can effectively identify the customer's information, understand all aspects of the customer's situation, identify the customer's abnormal transactions, and prevent being deceived by the customer, thus reducing the bank's supervision costs.

⑷ There is no necessary connection between the concept of blockchain and central bank digital currency

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Inner Eye Selections

Policy

Plans to end the dollar’s ​​dominance through digital currencies make no sense

Bank of England Governor Carney urges Libra-type The reserve currency ends the dominance of the US dollar and calls for a multipolar reserve currency system. In this regard, former U.S. Federal Reserve official Simon Potter said that the plan to end the dominance of the U.S. dollar by replacing the U.S. dollar with a digital currency makes no sense, and Carney failed to consider how the status of the U.S. dollar could benefit other countries. He added: “When you have large and liquid capital markets in the U.S., I don’t see any reason to complicate things because there is no one currency that can basically price things and have deep markets, which would Making people's lives more difficult."

ShandongPort Group Rizhao Port’s first electronic warehouse receipt business was launched, using concepts such as the Internet of Things and blockchain

According to Rizhao Daily, on September 20, Shandong Port Group Rizhao Port Bulk Commodity Trading Center opened in the free trade The first electronic warehouse receipt pledge financing business was launched in the region. It is understood that the electronic warehouse receipt is a digital online electronic voucher created by Shandong Port Group Rizhao Port Dashang Center based on the advanced information management level of the port and free trade zone bonded warehouse, using the Internet of Things, blockchain and other concepts. Customers pledge electronic warehouse receipts to banks to obtain financing, which can quickly realize the realization of goods landing at the port and "make money upon landing".

Industry

There is no necessary connection between the blockchain concept and the central bank’s digital currency

Guosheng Securities pointed out that the market has previously confused the blockchain concept with the central bank’s digital currency. Currency is confused, but there is no necessary connection between the two. Blockchain exists more as a technology. Although products such as Bitcoin have certain financial asset attributes, they are not currencies at all. In the future, blockchain applications will be more in the fields of traceability and transactions. The central bank's digital currency is more of a supplement to the existing currency issuance system and the layout of monetary infrastructure in the future digital economy. The technology it uses will be more mature, and blockchain is only an alternative.

In the environment of central bank endorsement and global competition, the theme of digital currency has a higher positioning and a newer theme

To build a multi-level financial service system, we must promote finance, big data, and blockchain In-depth integration of blockchain and other industries

On September 26, Yanzhao Evening News published an article "The Unshirkable Responsibility of Supporting Private Enterprises in Financial Development". The article pointed out that in order to completely solve the financing difficulties and expensive financing of private enterprises, while implementing and executing policies at all levels based on the current situation, we should also take a long-term view to deepen financial reforms and resolve the financing difficulties of private enterprises. It is necessary to build a multi-level financial service system, continuously increase the proportion of direct financing, relax financial market access, develop diversified financial formats, promote the deep integration of finance, big data, blockchain, etc., and reduce the financing costs of private enterprises.

Quotes

Currency Market Quotes

Bitcoin (BTC) Quotes on September 25, 2019

(Huobi Pro, USD Pricing)

Increase: -0.80%

Opening: 8499.81

Highest: 8727.80

Lowest: 8217.00

Closing: 8431.42

Amplitude: 6.01%

Trading volume: 53,300

Ethereum (ETH) market on September 25, 2019

(Huobi Pro, priced in US dollars)

Increase: +2.55%

Opening: 165.7900

Highest: 174.8300

Lowest: 162.0000

Closing: 170.0100

Amplitude: 7.74%

Transaction volume: 841,300

Characters

DAMO Academy Blockchain Laboratory has applied for more than 500 patents

The Blockchain Laboratory of DAMO Academy has applied for more than 500 patents, and the Quantum Laboratory of DAMO Academy has completed the research and development of the first controllable qubit. Qubits are the basic storage units of quantum computing. The final realization of quantum computing requires the high-precision control of multiple qubits.

The launch of legal digital currency requires the construction of an overall support system

You cannot innovate for the sake of innovation. The launch of legal digital currency requires the construction of an overall support system. It is necessary to carefully calculate the cost for people to go to Chen Yingxin. In the electronic age, personal privacy and data security are top priorities. Last year's implementation of the EU's GDPR, as well as the huge fines imposed by EU and US regulators on Internet giants such as Google and Facebook, further highlighted the importance that European and American regulatory authorities attach to personal privacy and data security in the Internet age. Therefore, when the People's Bank of China pilots digital legal currency, consumer rights protection, especially data security and privacy protection, should also be benchmarked against the highest standards in the world.

Mark Zuckerberg

CEO of Facebook

The market is risky and investment needs to be cautious

< p> The articles published by Tianyan Financial News do not imply investment

Objective and in-depth blockchain media

⑸ What is blockchain technology? What impact does it have on the banking industry?

Blockchain is a technology that can completely change the underlying design of the financial system, because it can achieve undifferentiated records of ownership and transaction records of all assets in the market by all market participants. Therefore, the intermediate links of liquidation and custody that confirm ownership before, during and after the transaction can be completely eliminated; in addition, the blockchain, as an electronic information record, can be combined with computer algorithms to realize the automation of transactions, that is, smart contracts. Blockchain has many derivative applications combined with other financial technologies, each of which can replace a type of market intermediary. Blockchain is to financial services what TCP/IP is to the Internet: once the underlying standards are recognized and popularized, specific applications like Bitcoin and R3 will appear in every corner of financial services. Bitcoin uses blockchain technology to query and record. For example, if I register an account at Haobtc and then transfer money, I need to go to the block browser in the account to query or go to BTC.I can use the side block browser to query the status, so that the blockchain technology can help me solve the problem of daily transfer currency query.

⑹ What is Dianrong PCP

This is the backend of Dianrong PCP. The exchange price between PCP and RMB can be set in the backend. Dianrong PCP is a lending platform. After borrowing It also depends on whether the so-called PCP "market" in the background rises or falls. This is the so-called market. The exchange price of RMB can be set in the background.

Some people said they were deceived. For details, see the Tianya Forum:

LC PCP’s capital chain is broken, and the blockchain is using fraud to deceive investors. Beware of being deceived! (Reprint)

Web link

⑺ Leading the era of blockchain payment - PCK public chain opens a new era of global digital payment

Internet and mobile The birth of broadband has enabled billions of people around the world to access knowledge and information from all over the world, enjoy high-fidelity communications, and a variety of lower-cost and more convenient services. Nowadays, these services can be used in almost every corner of the world with just a 500 yuan smartphone.

Although the Internet has brought many conveniences, there are still many people in the world who are not connected: 1.7 billion adults have not been exposed to the financial system and cannot enjoy traditional financial services provided by banks. One billion of them have mobile phones, and nearly 500 million have access to the Internet.

In contrast, blockchain payment has many unique advantages and is a potential way to solve the high threshold and credibility problems of financial services. These advantages include: distributed management, ensuring that the network is not controlled by a single entity; open access, allowing anyone with an Internet connection to participate; and secure encryption technology to protect funds.

Existing traditional payment channels lack scalability and currency volatility, which not only prevents them from being widely used in the international payment market, but also results in the underperformance of such currencies as media of exchange properties. good.

Because of this, the PCK international payment public chain was born under the opportunity of the times.

We believe that by combining the essence of blockchain-based technological innovation (including distributed management, open access and security) with a reliable compliance management and regulatory framework, PCK will bring more Advantageous payment solutions.

The emergence of blockchain payment has promoted the development of international e-commerce. In turn, the development needs of e-commerce have also prompted the continuous reform and innovation of blockchain payment. Blockchain payment has become a top priority in the modern financial services industry. It is not only the driving force for the rapid development of the Internet economy, but also provides support for the rapid development of the economy. The emergence of the PCK payment public chain not only fills the gap in banking service functions in this area, but also improves financial transactions.The performance in efficiency and other aspects is very outstanding, which is an effective source of driving force for improving the financial system and improving financial functions.

In the PCK ecosystem, the merchant side, channel side, settlement side, and account side are all co-builders, maintainers and certifiers of the project ecology. The four can jointly control the third-party payment field. Provide services to establish a disruptive third-party payment ecosystem.

The PCK payment public chain believes that the payment behavior itself has a certain value, so we hope to apply the modern management organization theory to the blockchain miner economy through reasonable incentive and punishment mechanisms (token consensus) , allowing the various co-builders of the payment ecosystem to spontaneously form an efficient decentralized organization. The issuance of PCK will stimulate the accumulation and circulation of services in the entire ecosystem, and establish a huge payment service ecosystem.

At the same time, PCK is an innovative third-party mobile payment blockchain model solution. PCK can simultaneously meet the needs of security, real-time, high concurrency, and decentralized instant payment. And equipped with fully optimized solutions for micropayment and micropayment scenarios.

The compliance and security of the PCK payment public chain will benefit developers, merchants and consumers. We believe that working with financial institutions and experts from various industries to innovate technology is the only way to ensure a sustainable, secure and trustworthy support framework for this new system. This move can achieve a huge leap and move us towards a global digital financial system with lower cost, lower threshold and closer connection with PCK payment public chain!

Leading the era of blockchain payment - PCK public chain will open a new era of global digital payment!

⑻ The development status of the U.S. financial services industry

The U.S. financial services industry is a very important part of the U.S. economy, including banking, insurance, securities, investment and credit. The following is the current status of the U.S. financial services industry:
Banking industry: The U.S. banking industry is one of the most developed and mature banking industries in the world, including commercial banks, investment banks, trust banks, rural cooperative banks, etc. In 2020, the total assets of the U.S. banking industry reached $22.6 trillion. Among them, the five major banks including JP Morgan Chase, Bank of America, Citigroup, Wells Fargo, and Morgan Stanley controlled more than half of the total assets of the U.S. banking industry.
Insurance industry: The U.S. insurance industry is also very developed, including life insurance, property insurance, health insurance, etc. In 2020, the total premiums of the U.S. insurance industry reached $1.43 trillion. Among them, the largest domestic insurance companies in the United States are Manulife (MetLife Inc.) and New York Life Insurance Company (New York Life Insurance Company).
Securities industry: The U.S. securities industry is one of the largest securities markets in the world, including stocks, bonds, futures, and optionswait. In 2020, the total market value of the U.S. stock market reached $41.2 trillion, of which Nasdaq and the New York Stock Exchange are the two largest stock exchanges.
Investment industry: The U.S. investment industry includes private equity, venture capital, mutual funds, pensions, etc. In 2020, the total size of the U.S. private equity market reached $4.2 trillion, among which private equity companies such as Kurokami Seishi Group, Carlyle Group, and KKR are the largest companies.
In general, the U.S. financial services industry is very developed, with many companies and institutions in various fields. With the development of science and technology, emerging businesses such as digital finance and financial technology are also rising, which will have a certain impact on the traditional financial services industry.

⑼ Top ten exchanges in the currency circle

1. Huobi. Huobi has assets of US$3.896 billion, 830 trading pairs, and a 24-hour trading volume of US$13.168 billion. Huobi.com is operated by Beijing Huobi Tianxia Network Technology Co., Ltd. and launched in September 2013. It is one of the world's leading Bitcoin trading platforms.
2. OKEX OKEX has assets of US$35.3506 million, 635 trading pairs, and a 24-hour trading volume of US$6.079 billion. OKEX is one of the world's famous international digital asset sites. It mainly provides spot and derivatives trading services for digital assets such as Bitcoin, Litecoin, and Ethereum to global users. It is affiliated to OKEX Technology Company Limited.
3. ZBG. ZBG has assets of US$105 million, a total of 80 trading pairs, and a 24-hour trading volume of US$804 million. ZBG.com was established in Hong Kong in 2018. With innovative, efficient and global operations, ZBG has quickly become one of the top ten in the industry in a short period of time and is known as the new first-line international station. Currently, the platform supports access in seven languages ​​and provides services to 1.8 million crypto asset investors around the world. The average daily activity on the platform exceeds 120,000.
4. Binance. Binance has US$2.794 billion in assets, 796 trading pairs, and a 24-hour trading volume of US$9.165 billion. Binance is a trading platform focusing on blockchain assets created by a group of digital asset enthusiasts led by former okcoin co-founder Changpeng Zhao (CZ). Founder Zhao Changpeng had constant disputes with his old employer Okcoin. He was not very optimistic about it at first, but later found that the platform’s performance was quite impressive.
5. TSLA Global. TSLA Global is a cryptocurrency exchange registered in the United Arab Emirates in October 2017. Assets are US$1.937 billion, with a total of 287 trading pairs and a 24-hour turnover of US$6.735 billion. It is the world's first global cryptocurrency trading platform using P2P format.
6. Bitflyer. BitFlyer has assets of US$1.555 billion, a total of 4 trading pairs, and 24-hour trading volumeUS$74.2085 million. BitFlyer was founded in 2014 and is headquartered in Japan. Bitcoin trading volume ranks first in Japan.
7. BiKiBiKi has assets of US$12.8098 million, a total of 300 trading pairs, and a 24-hour trading volume of US$807 million. BiKi Group was established in 2018 and is headquartered in Singapore. It is a global blockchain digital asset trading service provider. Currently, the group's business includes spot trading, derivatives trading, digital banking, blockchain industry investment and other businesses. In China The market has more than 40% of the new market share of small currencies, and has operation centers in 7 countries including Singapore, China, South Korea, Vietnam, Japan, Russia, and Turkey.
8. KuCoin. KuCoin has assets of US$18.5676 million, a total of 301 trading pairs, and a 24-hour trading volume of US$123 million.
9. Poloniex. Poloniex has assets of US$115 million, a total of 173 trading pairs, and a 24-hour trading volume of US$35.6298 million.
Poloniex was established in 2014, commonly known as P network, and is one of the world's leading cryptocurrency international sites. The Poloniex platform offers a variety of altcoin services.
10. B network. Network B has assets of US$779 million, a total of 448 trading pairs, and a 24-hour transaction volume of US$896 million.
Bittrex, commonly known as B network, provides services for coins, US dollars and coins. Registration is very simple. Founded in 2015, Bittrex is an international Bitcoin site in the United States. It supports more than 200 trading pairs and has a daily trading volume of billions of yuan.