中国区块链沙盒监管平台官网,中国区块链沙盒研究中心

1. How to accelerate the application of blockchain technology and industrial development

Recently, the Jiangxi Provincial Department of Industry and Information Technology and the Provincial Cyberspace Administration of China jointly issued the "Jiangxi Province Accelerates the Promotion of Blockchain Technology" "Implementation Opinions on Chain Technology Application and Industrial Development" proposes that by 2025, the comprehensive competitiveness of the province's blockchain industry will be comprehensively improved. Create 2 to 3 blockchain industry development clusters. Clearly build a famous blockchain park, cultivate famous blockchain enterprises, and create famous blockchain products.

Based on "blockchain + judicial + application", Yibaoquan has successfully built a one-stop service platform for blockchain applications by deeply cultivating the underlying technology of blockchain and expanding judicial service capabilities, providing enterprises and government agencies with , individuals provide four major innovative product services of "electronic data storage, electronic contracting, Internet justice, and original protection", which can effectively solve the pain points of traditional business cooperation and judicial rights protection, completely transform the traditional business model, and create a new digital business infrastructure.

In the field of electronic data storage, Yibaoquan's "Preservation Chain" is based on blockchain technology and synchronizes multiple judicial institutions such as notary offices, arbitration committees, and courts, which can effectively solve the "difficulties in obtaining evidence" of electronic data. ", "difficulty in dispute resolution", "difficulty in evidence management" and other pain points, turning electronic data into effective electronic evidence.

In the field of electronic contract signing, Yibaoquan's "Junzi Sign" can help enterprises and institutions solve the problems encountered in traditional paper contracts: chaotic seal management, high operating costs, easy tampering of content, difficulty in contract search, and difficulty in documenting. Problems such as loss.

In the field of Internet justice, Yibaoquan's "Zhongzhengbao" can help notary institutions solve traditional notarization problems such as cumbersome procedures, inefficient processing, long on-site processing, and the inability to obtain customers in batches.

In the field of original protection, Yibaoquan's "micro-copyright" helps enterprises and individual users solve problems such as slow confirmation of rights, difficulty in monitoring, difficulty in obtaining evidence, difficulty in pursuing blame, and difficulty in safeguarding rights in the traditional copyright process.

2. The central bank’s first batch of financial technology innovation pilots focuses on the concept of financial IT

On January 14, the Business Management Department of the People’s Bank of China announced to the public The first batch of six pilot applications for financial technology innovation supervision. These six applications are: item traceability certification management and supply chain finance based on the Internet of Things (Industrial and Commercial Bank of China), Weijiedai products (Agricultural Bank of China), and China CITIC Bank Zhiling products (CITIC Bank/China UnionPay/Du Xiaoman/Ctrip) , AIBank Inside products (AiBank), quick review and quick loan products (Bank of Ningbo), innovative mobile POS applications (China UnionPay/Xiaomi Digits/JD Digits).

In this regard, Guosheng Securities pointed out that the six innovative applications announced this time involve state-owned commercial banks, national joint-stock commercial banks, large city commercial banks, clearing organizations, payment institutions, technology companies, etc. The organization mainly focuses on the application of cutting-edge technologies such as the Internet of Things, big data, artificial intelligence, blockchain, and API in the financial field, covering multiple application scenarios such as digital finance.

This pilot will constructBuild an inclusive prudential regulatory framework, require licensed operations, and encourage the participation of multiple entities. That is to say, while the central bank draws a rigid bottom line, it also sets a flexible boundary and reserves space for innovation. The Chinese version of the "Regulatory Sandbox" will create new regulatory tools to guide the standardized development of licensed financial institutions and technology companies (technology companies can cooperate with licensed financial institutions to participate in innovation by providing technical support, solutions, etc.), and will be fully unleashed in the future. Financial innovation momentum.

This article is from Securities Times.com

3. How to view the double-edged sword of supervision in blockchain settlement

To some extent, supervision Blockchain provides protection, but it can also destroy it.
In order for blockchain businesses to be integrated for wider adoption, transactions conducted on the blockchain need to be deemed legally binding and acceptable within current compliance requirements.
This includes reviewing record-keeping rules, or at least ensuring that new regulatory rules do not prevent organizations from conducting transactions on the blockchain.
At the very least, rules and regulations should allow them to experiment with the technology and demonstrate new capabilities—to see where they can lead.
You can see examples of this kind of "sandbox" created for innovation in many different fields. (Reposted from Toutiao)
For example, DECENT, a foreign content publishing platform developed using blockchain technology, allows anyone to publish information on it without any restrictions. But this is basically not feasible in China, where there is an audit mechanism.

4. What are the application scenarios of blockchain technology?

Blockchain technology has various application scenarios. Once popularized, the entire society will receive huge benefits.
1. Financial Services
The application of blockchain in the financial field has long been spread and is not a new thing. All over the world, the application of blockchain in financial technology has been widely concerned and highly valued.
In mainland China, China UnionPay signed a strategic cooperation agreement on mobile payment with Bank of China in early 2018 and explored cooperation in the field of blockchain. Later, it cooperated with JD.com to jointly launch the "Internet Financial Payment" based on blockchain. Security Alliance Risk Information Sharing (Distributed Query) Platform”.
In Hong Kong, China, the Hong Kong Monetary Authority was one of the first regulators to launch a sandbox to support financial innovation experiments including blockchain technology; the Hong Kong Monetary Authority also joined hands with the banking industry to launch "Trade Linkage" (eTradeConnect), this is the Hong Kong banking industry’s first large-scale trade finance information sharing platform that applies blockchain technology.
2. Judicial evidence storage
On September 18, 2018, the Hangzhou Internet Court was officially launched on the blockchain, becoming the first court in the world to use blockchain for trials.
It is understood that the complainant can submit electronic evidence such as the contract, rights protection process, service process details, etc. online through the online complaint portal to the notary office and judicial appraisal center., CA/RA institutions, courts and other nodes on the chain to jointly witness and endorse, providing one-stop services for prosecutors. The Internet Court of Hangzhou, Zhejiang Province made a public judgment on a dispute over infringement of the right to disseminate work information online, and for the first time confirmed the legal validity of electronic data stored using blockchain technology.
3. Intellectual property rights
Blockchain and related distributed ledger technologies provide the possibility for the protection and registration of intellectual property rights and as evidence during the registration stage or court litigation stage. These technologies can also speed up the protection and registration process of the above-mentioned intellectual property rights in a cost-effective manner.
4. Logistics field
In early 2018, Cainiao and Tmall International jointly announced that they have used blockchain technology to track, upload, and verify the full logistics link information of cross-border imported goods.
After all nodes in the logistics chain are connected to the blockchain, goods can be traced from the manufacturer to the consumer, forming a complete chain; the more missing links a product has, the higher the probability that it will be exposed as a fake or shoddy product. big.
5. Electronic Invoice
On August 10, 2018, Shenzhen Guomao Revolving Restaurant issued the country’s first blockchain electronic invoice. It is understood that this blockchain electronic invoice issued by Shenzhen It is led by the Municipal Taxation Bureau and Tencent provides the underlying technology and capabilities.
Different from traditional electronic invoices and simple electronic invoices uploaded to the chain, this blockchain electronic invoice combines "fund flow and invoice flow" into one, combining invoice issuance with online payment, and opening up the invoice application process. The entire process of collection, invoicing, reimbursement and tax filing.
In addition to the above fields, the blue ocean application prospects of blockchain are broad. In the future, the application and development of new technologies will emerge in all walks of life, and blockchain will flourish.

5. Technological and financial supervision should follow innovation

With the development of the Internet, especially the mobile Internet, it has triggered almost disruptive changes in various industries around the world. Among them, the biggest disruption is The financial industry, especially traditional banks.
The direction of global technological change such as the Internet, big data, cloud computing, artificial intelligence, and the Internet of Things is decentralization. Since the birth of finance, whether it is currency or credit; whether it is deposits or loans; whether it is payment and settlement, or investment and financial management; whether it is the central bank or commercial banks, etc., one of the characteristics is centralization or intermediation. product. Especially commercial banks, we generally call them indirect financing institutions. The indirect, centralized, and intermediary model is characterized by extremely low efficiency, numerous links, and extremely high costs.
As the saying goes, when things go to extremes, they must be reversed. Such centralized and intermediary things rely on their own reforms to improve efficiency, reduce costs, and simplify links, which is tantamount to seeking the skin of a tiger. However, traditional finance will find it difficult to resist the disruptive changes triggered by external technological advances.
Blockchain technology, the underlying basic technology of Bitcoin, is a heavyweight weapon for decentralization. Through a technical peer-to-peer model, all economic transactions in society can be conducted directly one-to-one, and allAll intermediate links have been stripped away. Financially speaking, since each individual peer-to-peer transaction record is stored in each personal block, all transaction records are open and transparent, and everyone’s eyes are staring at all transactions and can prove the evidence, which is the most powerful Supervision is also a strong foundation for ensuring credit.
Blockchain technology may subvert everything and reconstruct the economic and financial credit system. From a financial point of view, blockchain technology not only subverts traditional finance, but also centralized new finance such as Alipay and WeChat Pay may become "traditional" and are also being subverted. At present, the big data credit reporting system will also be impacted. This is the power of blockchain, which decentralizes core technology.
From a global perspective, blockchain technology is developing very rapidly. It has already entered some fields for practical application in Europe, the United States and Japan. But generally speaking, blockchain technology is still in the in-depth research and development stage. It is worth noting that some opinions believe that technology finance should be regulated in advance.
Judging from the situation in China, it may be that in the past few years, Internet finance was mainly frightened by the risks of P2P online lending platforms. There is a feeling of being bitten by a snake once and being afraid of a straw rope for ten years. The author believes that we must not regulate technology finance prematurely, otherwise it will greatly affect the pace of innovation in technology finance.
In a speech at the Official Monetary and Financial Institutions Forum (OMFIF) held in Washington, DC, in late April 2017, Ravi Menon, Director of the Monetary Authority of Singapore, said that the regulation of financial technology should not be ahead of innovation. , premature regulation will stifle innovation and may hinder technology adoption. He pointed out that only when the risks presented by new technologies reach a certain level, the HKMA will implement supervision, and the intensity of supervision must be proportional to the degree of risk. Supervisory authorities need to have a deep understanding of emerging technologies and the risks and opportunities they bring, and should not be afraid to cooperate with financial institutions and even fintech companies.
What’s more important is that regulatory authorities must have an in-depth understanding of blockchain technology, financial intelligence, etc. before they can prescribe the right medicine and carry out targeted supervision. Otherwise, it will stifle innovation and hinder the development of technology and finance.
Meng Wenneng gave the example that the Hong Kong Monetary Authority originally did not understand the risks and benefits of cloud technologies until the authorities cooperated directly with cloud service providers. This type of collaboration helps the HKMA develop guiding principles for cloud computing and promote industry adoption of the guiding principles. In addition, the Hong Kong Monetary Authority has also directly participated in proof-of-concept trials of blockchain with industry players to test how this technology can be applied to inter-bank payment services.
Meng Wenneng pointed out that while regulatory authorities allow experiments to promote financial technology, they must also limit the risks to consumers and the financial system. The "regulatory sandbox" allows industry players to formulate scope Test new ideas internally.
Supervisory authorities can make better use of financial technology to supervise and superviseSupervise financial institutions. RegTech is one type, which includes cognitive computing and behavioral algorithms. The former can be used in stress testing of large financial institutions, and the latter can be used to detect suspicious transactions and misconduct of financial institutions. Behavior.
The author still says that enough time and space must be left for financial innovation, enough trial and error opportunities and a full and complete exposure period for risks; it must also leave time for regulators to observe, understand and recognize new finance. There is time and room to clarify the issues and risks of technology and finance.

6. What the hell is Guiren Coin? Is it a pyramid scheme?

It is not a pyramid scheme, it is a regular issue.

7. Hainan’s “14th Five-Year Plan” planning suggestions : Support the development of real estate investment trust funds

On February 8, "Recommendations of the Hainan Provincial Committee of the Communist Party of China on formulating the 14th Five-Year Plan for National Economic and Social Development and Long-term Goals for 2035" ( (referred to as "Recommendations") is released. The "Recommendations" clarify the guiding principles and main goals for economic and social development during the "14th Five-Year Plan" period and the long-term goals for 2035.
In actively promoting high-quality development and building a modern economic system during the "14th Five-Year Plan" period, the "Recommendations" propose to innovate the development of real estate investment trust funds (REITs), promote the pilot application of legal digital currencies, and cultivate and create "blockchain +Finance" industrial cluster to promote the implementation of the "Regulatory Sandbox" pilot.
In June this year, the Central Committee of the Communist Party of China and the State Council issued the "Overall Plan for the Construction of Hainan Free Trade Port". The "Plan" also mentioned that it will support the innovation and standardized development of housing rental financial business and support the development of real estate investment trust funds (REITs). . Steadily expand various forms of industrial financing channels and relax the scope of capital use by foreign-funded enterprises.
The "Recommendations" also mentioned that we should vigorously expand cruise routes and promote the construction of cruise tourism pilot zones and yacht industry reform and development innovation pilot zones. Accelerate the construction of Sanya cruise home port. Attract a number of large-scale theme tourist parks to settle in Hainan and arrange them rationally. Accelerate the construction of tourism infrastructure such as tourist roads around the island, build a digital information platform that meets the needs of international tourism consumption, improve the supply level of the six major elements of "food, accommodation, travel, shopping and entertainment", develop specialty tourism products, and comprehensively promote the standardization of foreign language signs and signage in public places. Standardize construction and create a high-level tourism service support system.
The "Recommendation" proposes to establish a mechanism to revitalize idle houses and support the development of vacation and health-care B&Bs. Benchmark international first-class tourism service standards and vigorously improve the quality and level of tourism services. Improve the national tourism service awareness and the service skills of tourism practitioners. Improve the tourism service management mechanism of joint management, coordination and interaction, and establish a tourism satisfaction survey and evaluation mechanism.
The "Recommendations" show that during the "Thirteenth Five-Year Plan" period, Hainan Province's investment structure has been continuously optimized, with non-real estate investment accounting for more than 50%. People's living standards continue to improve, and the real estate market maintains stable and healthy development.
As for the main goals of the real estate market during the "14th Five-Year Plan" period, the "Recommendations" propose to improve the multi-level housing security and supply system. Adhere to the positioning of "housing for living, not speculation", promote both rental and purchase, and implement city-specific policies to promote the stable and healthy development of the real estate market. Accelerate the construction of various housing types such as affordable commercial housing, public rental housing, market rental housing, and talent housing to effectively meet the basic housing needs of local residents and introduced talents. Promote the transformation and development of commercial real estate, tourism real estate, commercial real estate, industrial real estate and other encouraged real estate.