p2p金融信贷区块链是什么,区块链p2p网贷

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Ⅰ What is the relationship between blockchain and P2P

1. It helps to supervise P2P companies

Regulatory authorities (central bank, banking regulatory, securities regulatory) As part of the blockchain, the public ledger of P2P transactions can be obtained in real time, and financial management projects and fund transfer information of each P2P company can be obtained by analyzing the public ledger, providing low-cost, high-efficiency, and trustworthy supervision for the P2P industry in real time. data.

2. Transparency of the borrower’s credit report

The main thing blockchain solves is the credit problem, so the most promising application of blockchain is in credit reporting. However, there is actually a lot of controversy in the area of ​​credit reporting. After all, credit reporting-related data is very sensitive. Neither credit reporting agencies nor users actually want it to be made public. Data is the lifeblood of credit reporting agencies, and everyone wants others to Make it public and keep it to yourself. Users also don’t want their data to be made public. Of course, if credit information can be made transparent in the future, it will still be very beneficial to P2P investors.

3. Low-cost transaction structure

For a P2P platform, the monthly cash withdrawal fees for users are also a large expense, but ordinary P2P platforms will Pay for this out of your own pocket. Applying the powerful online transaction function of blockchain to third-party payment or bank fund custody to complete fast, prepared and transparent transactions is a good thing for P2P platforms.

4. Industry Infrastructure Facilities

The rapid development of most things is largely due to the improvement of infrastructure. From the current point of view, blockchain technology can be regarded as a very important new infrastructure construction for P2P and even the entire Internet financial system, similar to the huge changes that highways have had on the automobile transportation industry and containers have changed the ocean transportation industry.

Ⅱ Can blockchain solve the problem of P2P running away?

Can blockchain solve the problem of P2P running away?

P2P lending was born in the UK in 2005 and has been receiving high attention since it was introduced to China in 2007. Subsequently, online lending continued to develop rapidly. On the other hand, there are frequent public opinion topics, the P2P industry is full of chaos, and many platforms are suspected of running away and having difficulty withdrawing money. Currently, financial chains based on blockchain are trying to solve this problem.

In many areas of Asia, Africa and Latin America, financial chain wallets can replace bank cards and provide services to users who do not have bank cards. Advanced financial services. Cash loan funds can be directly distributed to the user's digital wallet.

Ⅲ Is the p2p network a blockchain?

P2p means point-to-point, and the P2P network is a point-to-point network scenario, characterized by decentralization. Blockchain is a technical means for the development of P2P networks. It can be simply understood that a block is an account book that records all the information generated by the entire network in a certain period of time. In a p2p network, the exchange and synchronization of data between nodesEach step requires a huge amount of computing power, and block technology was born to solve this problem.

IV Is the more nodes in the blockchain safer, what are the characteristics of p2p?

The more nodes in the blockchain, the safer it is, and p2p has the characteristics of high risk and high return. , so investors need to evaluate market risks and invest prudently.

IV How to understand P2P in blockchain

Everyone must be familiar with the concept of P2P. The first reaction is online lending. In fact, in the world of blockchain, P2P refers to Wait for the network.

The concept of peer-to-peer network was proposed after the 2008 financial crisis. One or several people named Satoshi Nakamoto published an article on the Internet called "Bitcoin White Paper: A "Peer-to-Peer Electronic Cash System" paper, so a large number of technology geeks were attracted together. They continued to improve the Bitcoin system and eventually discovered the blockchain.

Satoshi Nakamoto said in the paper: In a peer-to-peer electronic cash payment system, third parties are of no value.

Here is what I understand as decentralization.

We are not sure of their ultimate goal, maybe to change the world and change the future? However, such technological inventions do stand on the opposite side of traditional centralized control.

How to understand this peer-to-peer network?

What impact will they have on traditional industries?

Take the previous p2p thunderstorm as an example.

In 2018, starting from June, the p2p market may be the most severe period. There are an average of about 5 platforms experiencing thunderstorms every day. Many investors of thunderstorm platforms may be in panic all day long. Or on the road to safeguarding rights. A search online revealed a tragic picture.

Let’s now think back to what we need to do when we are optimistic about a platform and ready to invest. Assume it is not a fund plate.

Register, bind your bank card, verify your identity, and recharge. At this time, your money is deposited on the platform, and then the platform will lend the funds to the borrowers who have connected and verified their identity in advance. If you After investing for one month, you can choose to withdraw the principal and collect the interest for the month at the end of each month, or you can continue bidding in it without withdrawing it.

Let’s give another closely related example

When we usually shop online on Taobao, we first need to bind the card to recharge the shopping payment and send it to Alipay. After confirming receipt of the goods, Alipay will send you The money is sent to the merchant. The deal is done.

You will find out by analyzing the above two examples. Before we invest or trade, our personal private information must first be disclosed to a third partyFang, the platform and Alibaba you chose after being optimistic at the beginning act as a credit endorsement.

At the moment of transaction, subconsciously, we have regarded the platform and Alibaba as a platform that absolutely guarantees that our personal information will not be leaked and that our funds are safe.

At this time, the basis of our transactions is based on trust.

Given Alibaba’s strong public influence, it is believed that its possibility of running away and violating credibility is lower than that of p2p. But suppose, and I mean suppose, that our data and huge amounts of assets stored by these giants are attacked by hackers. If such a huge amount of data is leaked, we will definitely be at risk of losses, and it is completely out of our control.

Not to mention p2p, the information released by the company is untrue, or the company does not verify the borrower's information strictly, which distorts the information that should be honestly disclosed to investors. Needless to say, there are layers of shackles and risks.

Therefore, let’s understand what Satoshi Nakamoto said in the paper: In a peer-to-peer electronic cash payment system, the third party is worthless.

Peer-to-peer (p2p) in the blockchain is decentralization or weak centralization. It weakens the concept of intermediate nodes that control most of the data in traditional industries, making a blockchain network All nodes are functionally equal. Each node can provide services to other nodes, and can also use other nodes to provide services for itself.

And when such a behavior occurs, the entire network will automatically broadcast the backup, that is, it will be recorded in the ledger. Everyone will know that there is such a thing. If a person wants to default on the debt, he must change it. More than half of the ledgers in the network have huge costs and cannot be repudiated, ensuring the security of blockchain system data.

The characteristics of blockchain such as decentralization, security, transparent sharing, high efficiency, and low cost make its application scope very wide. However, the underlying technology of blockchain is not yet mature and the infrastructure is not yet mature. Perfect, the domestic blockchain industry is now in the early stages of development, and there are many traps. Therefore, our attention should not only be on currency prices and market conditions, but also on the real blockchain technology

When your own abilities are not enough, you must stay away from instigative investment behaviors. You would rather miss it than take risks with money in a hot-headed manner.

Original link: https://www.kg.com/article/490959733117816832

Are VI p2p and blockchain worthy of attention and investment

No worth. There has also been a trend in the past two years. I had the opportunity to participate, but I did not. oneIt's p2p, a blockchain.

When p2p was on the rise, many companies came to recruit me to do marketing, and some asked me to be a partner. There were also many cooperations in advertising and websites, but I refused them all.

I think most people are still suitable for steady and steady work, not for making quick money. It's nothing special to make a lot of money, but it's a skill to make it for a long time. Things that come quickly go away quickly because there is no threshold. In the end, it is very tiring to find projects all over again. It is better to choose a promising direction, do it in a down-to-earth manner for a long time, and rely on experience and resources to establish a threshold.