区块链技术投入成本,区块链技术投入多少钱

1. What is the current status of China’s blockchain industry

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

First, high-level national 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.

2. Four core issues need to be solved for the implementation of blockchain. Interview with Chen Wei, President of Investment Banking Center of Bank of Communications

As the concept of blockchain continues to heat up and the development of this technology As it becomes increasingly mature, financial institutions including banks are also increasing their deployment and application in this field. The "Archaean - 2019 China Blockchain Financial Industry Research Report" points out that financial institutions' investment in blockchain is growing year by year. It is expected that by 2022, China's financial institutions' investment in blockchain technology will reach 9.27 billion yuan.

Chen Wei pointed out that the essence of asset securitization business is to replace the subject credit with asset credit, and with the help of blockchain technology, technological mutual trust can be achieved to replace institutional mutual trust. These two points make blockchain technology suitable The needs of asset securitization business scenarios. Based on this, Bank of Communications launched China's first blockchain asset securitization platform - "Chain Fusion". Chen Wei also said that blockchain technology will also play a positive role in promoting Shanghai's "Yangtze River Delta integration" and building an international asset management center.

The "efficiency + trust" problem needs to be solved

"China Business News": Although many banks have explored and researched blockchain, there have been few projects that have been implemented in the end. What do you think is the reason why blockchain technology is difficult to implement?

Chen Wei: Since blockchain mainly uses alliance chain technology, this has led banks to explore the application of blockchain technology.When used in specific business implementation, it mainly faces the following four problems:

The first is security. Commercial banks are important participants in the infrastructure construction of the entire financial system and have particularly high requirements for reliability and security. In the application of new technologies, safety requirements are the most important and must be met. Since the application of blockchain technology is still in the exploratory stage, this may affect the implementation of blockchain technology in specific businesses.

The second is efficiency. In a decentralized setting, all nodes need to reach a consensus and process the data, which takes a lot of time. Therefore, it is currently difficult to effectively balance business efficiency. Some traditional businesses of banks, such as payment, transfer, remittance and other business scenarios, have high requirements on time efficiency and data storage. Therefore, there are still certain difficulties in integrating blockchain technology with these business scenarios.

The third is cross-agency consensus. The alliance chain requires all parties in the alliance to reach an agreement and jointly promote the formation and expansion of the chain. However, in the actual business promotion process, different institutions have great differences in their understanding of the blockchain and their needs for the alliance chain, and there is a certain degree of difficulty in coordination and promotion. .

The fourth is economic cost. Blockchain applications require high technical development capabilities of banks and require a large amount of software and hardware resources. For example, alliance chains need to deploy nodes and form consensus algorithms and a series of services; banks need to invest a lot of human and financial resources in development. These inputs may not directly produce visible economic profits in the short term, and there will be an intertemporal mismatch of costs and benefits. Any financial institution, whether listed or not, will face the problem of current assessment, which creates a certain contradiction between the current nature of costs and the lag of income.

Of course, despite the existence of these four main contradictions, many banks are crossing the river by feeling the stones and constantly exploring. It can be said that in this regard, Bank of Communications has actively responded to the national call and is at the forefront of its peers in the application of blockchain technology, especially in the field of asset securitization, achieving many breakthroughs.

Chen Wei: The so-called efficiency is a matter of time, and trust is a matter of safety.

Regarding the efficiency issue, combined with the exploration and practice of Bank of Communications, it can be solved in the following three ways: first, through the automation of smart contracts on the chain, to improve the efficiency of business processes; second, , research high-performance public chain technology to meet the computing and storage capabilities in the case of concurrent transactions; third, with the help of cloud computing, use the storage capabilities of the cloud to improve efficiency and reduce economic costs.

Regarding the issue of trust, there are three main ways to solve it: First, reach a consensus before going on the chain. Participants must sign an agreement to express their agreement before going on the chain to avoid problems due to failure to reach a consensus during the business development process. This leads to reduced efficiency and difficulty in implementation; secondly, digital signature and asymmetric encryption technology are used to encrypt the data before uploading it to the chain to ensure that only authorized parties can see the data., to achieve the control of data permissions; third, blockchain technology uses distributed ledgers to ensure that data cannot be tampered with, and can also be traced to ensure that all participants maintain a high degree of trust in the data on the chain.

Promoting the "integration" of assets and funds in the Yangtze River Delta

"China Business News": What are the characteristics and highlights of Bank of Communications in exploring blockchain scenarios?

Chen Wei: There are many discussions about blockchain usage scenarios in the current market. In terms of blockchain empowering finance, asset securitization business is one of the most suitable scenarios. Based on its practical exploration and first-mover advantage in the asset securitization market, Bank of Communications has been trying to explore the application of blockchain in asset securitization business scenarios since 2016, and officially released the first domestic blockchain asset securitization in 2018. Platform - "Chain Fusion". The platform has obtained two technology patents - "A cross-agency process solution based on smart contracts" and "Fabric blockchain management solution based on smart contracts", and won the 2018 Shanghai Financial Innovation Achievement Award issued by the Shanghai Municipal Government. Award, "China Banker" Top Ten Blockchain Application Innovation Award and other awards.

There are many participating institutions in the asset securitization business, the issuance cycle is long, and the transaction structure is also relatively complex. How to carry out the business more efficiently requires solving the problem of information asymmetry. Blockchain technology has the four characteristics of decentralization, transparency, sharing, and non-tampering, which means that blockchain technology can achieve a perfect combination with asset securitization.

From the perspective of the business itself, the essence of asset securitization business is to replace subject credit with asset credit; at the same time, with the help of blockchain technology, technological mutual trust can be achieved to replace institutional mutual trust. These two points make the blockchain Chain technology and asset securitization business can fit perfectly. Blockchain technology can make all data information in the system open, transparent, non-tamperable, and non-forgery without the need for third-party endorsement, and it can also trace the information.

"China Business News": In practice, how does blockchain technology empower asset securitization business?

Chen Wei: On the "Chain Fusion" platform, with the help of blockchain technology, underlying assets and due diligence reports and other information are permanently stored on the chain through digital fingerprints. With the help of the transparency and transparency of the blockchain, Features such as sharing and non-tampering solve the problem of mutual trust among the many participants in the asset securitization business and achieve credit penetration; encryption protection of files on the chain is achieved through some algorithms, effectively mitigating the risk of information leakage.

At the same time, the application of blockchain technology also reduces some maintenance costs and system operation pressure. Since the issuance of Asia’s first blockchain technology-enabled credit asset securitization project, “Jiaoying 2018 First Phase Personal Housing Mortgage Asset-Backed Securities,” Bank of Communications has issued approximately seven or eight Projects worth tens of billions of yuan. We have also been committed to promoting variousFor example, more high-quality originating institutions, professional investors and other asset securitization ecosystem users such as Guodian Electric Power Co., Ltd. will join the chain.

"Chain Fusion" is the incubation result of the "Financial Innovation Joint Laboratory" and the product of the joint linkage between the front, middle and back offices of Bank of Communications. In the early stage of research and development, the business department took the lead in the entire project based on market sensitivity, and the middle and back-end departments collaborated. After blockchain technology is put into use, we continue to keep pace with the times and iteratively upgrade the system.

In addition to the internal collaboration of Bank of Communications for research and development, Bank of Communications also took the lead in establishing the asset securitization business ecosystem - the "Lujiazui Asset Securitization Alliance", and through cooperation with peer institutions, jointly cultivate and Developing the ecosystem system is also a manifestation of Bank of Communications' social responsibility and realization of social value.

"China Business News": In addition to empowering banks' specific businesses, what help can blockchain technology provide to banks in participating in the "Yangtze River Delta Integration" and serving Shanghai in building an international asset management center?

Chen Wei: The application of blockchain technology in asset securitization business scenarios actually shortens the information distance between asset holders and fund holders, and also breaks the boundaries of administrative divisions. With the help of blockchain technology, various participants in the "Chain Fusion" platform reach asset consensus and price consensus. For example, assets in Shanghai can be connected to funds in Jiangsu, which to some extent promotes the development of assets in the Yangtze River Delta region. and the “in-city integration” of funds.

At the same time, blockchain technology can also provide certain help to Shanghai in building an international asset management center. Building an international asset management center means attracting a large amount of overseas funds or fund management institutions to Shanghai. Only by providing a wealth of high-quality assets to choose from can overseas funds or institutions be retained. The asset securitization business has developed relatively maturely and has a large scale in the international market. In contrast, the asset securitization business is still in the development stage in China. As China continues to open up to the outside world, more and more foreign capital will enter China to invest in some high-quality domestic assets in the future, and the "chain integration" platform may play a more important role.

Generally speaking, blockchain technology is closely related to strategic issues such as Shanghai’s Yangtze River Delta integration construction, free trade zone construction, and the construction of a global financial technology center and asset management center, and will also Make new and greater contributions to serving the national strategy.

Source: China Business Network

3. What companies are currently using blockchain technology?

Large domestic blockchain companies include Xinchen Technology, Yinjiang Co., Ltd., Cultural Great Wall, Radio and Television Express, Hundsun Electronics, etc.

1. Xinchen Technology

The company's current main business is application software development business, software and hardware system integration business and professional technical service business. In recent years, Xinchen Technology has been more bold in its attempts at innovation. The company has used new technologies such as cloud computing, big data, artificial intelligence, and blockchain in financial services.Industry applications have made certain progress. The domestic letter of credit business system based on blockchain technology has been successfully launched in banks and is expected to gradually become a new growth point for the company's software solutions business.

2. Yinjiang Co., Ltd.

The company mainly provides intelligent system engineering and services to users in transportation, medical, construction and other industries. "Elite" has conducted multiple follow-up reports on Yinjiang Shares. This company has made in-depth development in smart cities in recent years, covering all aspects of urban residents' lives including transportation, medical care, construction, environment, energy, education, and finance.

The company is a key software enterprise within the national planning layout, a key high-tech enterprise in the National Torch Plan, one of the top 100 enterprises in China's software business revenue, one of the top 100 high-tech enterprises in Zhejiang Province, and one of the top 100 high-tech enterprises in China according to Forbes in 2010. One of the top 100 small and medium-sized enterprises with potential, a unit with outstanding contributions to China's informatization construction in the past 30 years of reform and opening up, and one of the companies with the highest comprehensive business qualifications and the most comprehensive types in the domestic industry.

3. Cultural Great Wall

Cultural Great Wall began to acquire large educational institutions such as Lianxun Education, Zhiyou Zhenlong, and Jade Sect World Education in 2015, and has become a leader in the A-share education industry. For listed companies, the rapid growth of the education industry has become a new driving force for the company's performance growth. Its subsidiaries began to lay out the blockchain industry in 2017, investing in the research and development of blockchain-related technologies, and obtained four blockchain technology copyrights in March 2018, becoming a pioneer in blockchain applications in the field of education. .

4. Radio and Television Express

The company stated on the investor interaction platform that it has been paying attention to the development trend of digital currency for a long time. Focusing on the industry development needs of digital currency, the company has set up a dedicated team to carry out Related work, including research on blockchain technology.

5. Hundsun Electronics

On June 1, 2016, the Financial Blockchain Cooperation Alliance was established in Shenzhen. Hundsun Electronics is one of the 25 initiators to use the blockchain Chain technology implements a digital ticket system based on the alliance chain.

4. What is blockchain, and can blockchain be invested in?

What is blockchain, and can blockchain be invested in?

Blockchain Chain technology is an emerging concept after the introduction of the Internet concept. It mainly solves the information asymmetry in society and provides decentralized services. Give an example to explain what blockchain technology is:

Usually we deposit cash into the bank. Every time we withdraw money, the transfer must go through the bank system to complete. So if we use blockchain technology To solve this problem, then our money does not need to be placed in the bank. When transferring money to others, we only need to transmit data on the chain. The transfer record data will be recorded by the entire network, and the consumption path of the amount can be found at any time. , there is no need to go through any intermediary to complete the intermediate recording.

This is just one of the application scenarios of blockchain technology. Currently, blockchain technology shouldThe most commonly used ones include the payment industry, gaming industry, lottery gambling industry, etc.

In the nascent stage of the development of blockchain technology, many investors will naturally see the development potential and prepare to invest in blockchain. So how to invest in blockchain? Everyone knows that with the emergence of blockchain technology, digital currency will be generated, and the circulation of digital currency will generate value. Ordinary people can invest in blockchain by purchasing digital currency. Common digital currencies include Bitcoin, Ethereum, Yuzi, etc. However, the risk is extremely high. The return is much higher than that of stock investment, but the risk is also several times higher. Therefore, when investing in blockchain, the choice of digital currency is also very important. For novice investors, it is recommended to choose mainstream currencies, such as Bitcoin, Ethereum and Ripple. Their value has been basically recognized, they have a consensus mechanism, and the price will not drop significantly. However, the corresponding blockchain technology is still the best. Ethereum.

For professional risk control investors, you can choose to invest in blockchain companies, taking a fancy to their long-term value and tokens. Nowadays, blockchain companies will issue coins, which are so-called digital currencies. However, their value is zero and they have no actual circulation significance. Therefore, if you choose to invest in a blockchain company, you still need to see clearly the content of the company's projects, whether they can be truly implemented, and how much potential they have for changing human life in the future.

5. Which countries have already invested blockchain technology in urban construction

Brazil, the United Kingdom, the United States, China, etc., Xiongan, a smart city, has many applications of blockchain Technology, platforms such as Babbitt Golden Finance Zhiqu Chain have many cases of blockchain information application. Zhiqu Chain starts from the heart

6. What is the Metaverse and what are its core technologies

The Metaverse mainly has the following core technologies: One is extended reality technology, including VR and AR , the second is that digital twins can mirror the real world into the virtual world, and the third is to use blockchain to build an economic system. The Metaverse cannot simply be equated with video games, nor can it be equated with the virtual world. It is an open exploration of creative play. Connect with reality.

With the explosion of the concept of the Metaverse, virtual digital humans have once again become the focus of public attention. Recently, A-Soul, the leading domestic virtual idol group developed by ByteDance and operated by Lehua Entertainment, caused a chain reaction due to the suspension of its members, bringing the virtual idol industry and its ecology to the attention of all walks of life again. With the fermentation of the idol group A-Soul incident, other virtual people who are one of the investments of the Byte family have also been pushed to the forefront.

It is understood that at the beginning of this year, ByteDance invested in "Li Weike", "Li Weike" and the team behind it: Hangzhou Li Weike Technology Co., Ltd. has also received much attention from the industry and media. focus on. Recently, Hangzhou Li Weike Technology Co., Ltd. launched two new virtual human characters: Lingxia and Xiaoke. The company stated that the new characters, together with Li Weike, will eventually be implemented in AR glasses products.

7. Blockchain system development costs

The development costs of blockchain projects are generally estimated based on technical difficulty.
Basically, the development cost of a blockchain is approximately hundreds of thousands. to millions. Development costs are primarily calculated based on the number of developers and the hours of work invested. If there is ready-made source code that can meet the functional requirements, then development can be quickly achieved by modifying and adding functions, so the price is very low.
In fact, all the costs are in website development, manual maintenance, and hardware consumption. The cost of website development is basically determined by the investor's functions. Generally, the more functions a website has, the greater the investment.

8. The future development prospects of blockchain

1. Blockchain has become the forefront of global technological development and opened up a new track for international competition. Blockchain will become a new key infrastructure to further accelerate the development of the digital economy, lead a new round of global technological change and industrial change, and become the "source" of technological innovation and model innovation. The world's major developed countries will further pay attention to blockchain technology, intensively introduce relevant policy plans, increase industrial support and guidance, and enhance the competitiveness of their country's blockchain technology and industry.
2. The digital currency bubble gradually cools down. With the spread and popularization of the concept of blockchain technology, more and more people will realize that Bitcoin is not the same as blockchain, and various air coins will be gradually eliminated. Blockchain technology innovation will return to a more rational track. Technical features such as decentralization, multi-party collaboration, and anti-calculation tampering will be highly valued by relevant industries. Some industries with strong innovation capabilities will continue to emerge with blockchain applications that have been transformed based on industry characteristics.