万亿的区块链业务有哪些,万亿的区块链业务是什么

请查看相关英文文档

A. What are the leading blockchain listed companies?

As of August 11, 2021, there are a total of 251 blockchain concept stocks listed on the Shanghai and Shenzhen stock exchanges. .

Let me introduce to you the industry leaders:

Yongfu Shares (300712): The company’s business now covers big data, industrial Internet, blockchain, Internet of Things, etc. related to the construction of Digital China field. Guohua Network Security (000004): The company has been actively participating in the ecological construction of the Hongmeng system, and has completed the adaptation work of the Ark compiler and the Hongmeng system, including HAP adaptation work, to ensure the compatibility and interoperability of the products of both parties. Tianyin Holdings (000829): Domestically, the company won the bid for the Beijing Welfare Lottery sales terminal (special equipment) purchase project for the first time, successfully expanding the company's business territory and further improving its industry status; in terms of foreign business, the company signed a contract with the Jamaican National Lottery Operator We have signed a service contract to provide customers with a series of solutions such as software and hardware, and at the same time negotiate specific cooperation matters with partners in the United Kingdom, South Africa, Nigeria, the Philippines and other countries.

4. Visual China (000681): The company is the first platform-based cultural technology enterprise in China to apply Internet technology to copyrighted visual content services.

5. Ping An Bank (000001): With the strategic goal of building "China's most outstanding and world-leading intelligent retail bank", it continues to adhere to "technology leadership, retail breakthroughs, and corporate excellence" Based on the twelve-character strategic policy, we will comprehensively upgrade the new three-year strategic measures and promote business development to a new level.

6. Tongda Electric (603390): In December 2019, the company stated on the interactive platform that its wholly-owned subsidiary owns the software copyright of "Blockchain Multimedia Publishing Platform V1.0".

7. Ren Zixing (300311): Positioned to provide users with Internet space data governance, network and information security, data security and data value-added solutions and services, and assist governments and operators in network and communication digital resources To manage.

8. Tianzhou Culture (300148): The company invested in Tianhe Wenlian to actively deploy blockchain-related copyright certification, digital content storage and distribution, and cultural innovation applications to promote blockchain technology in culture and publishing. Integrated innovation and integrated applications in business fields such as education, games, etc., to help the development of the blockchain copyright industry.

9. Gaohong Shares (000851): The company is a member of the Blockchain Security Laboratory of the Ministry of Industry and Information Technology. The company's trusted software copyright protection system is based on trusted computing technology, confidential computing technology and operating system security reinforcement technology to comprehensively protect the security of target software; combined with the company's trusted servers and trusted terminals It forms an application all-in-one machine that can be applied to emerging technology application scenarios such as blockchain and AI.

10. Xichuang Yihui (300078): The company has applied blockchain technology in the field of independent third-party data encryption services to protect hospital data assets and patient privacy, and solveData security issues in the medical industry. The company will continue to explore the application of blockchain technology in the medical field.

11. Zhongqingbao (300052): The company builds the LeaderChain infrastructure cloud platform based on its independent research and development of LeaderChain blockchain technology, and leverages the parent company Zhongqingbao’s expertise in cloud computing, artificial intelligence, Years of accumulation and outstanding advantages in big data, Internet of Things, smart cities and other fields have formed a complete end-to-end blockchain solution through the "profit chain industry/government/city".

12. Dashi Intelligence (002421): The company signed a "Strategic Cooperation Agreement" with Beijing Taiyi Cloud Technology Co., Ltd. and plans to jointly build an open and win-win "Blockchain Intelligent IoT" ecological chain .

The above are my statistics of leading blockchain listed companies. I apologize for the inaccurate statistics. I hope to communicate with you more. Thank you for your attention!

B. Blockchain + payment, will it be the second half of the blockchain trend?

Blockchain is a revolution in production relations and a change in the financial market. In the world of blockchain, no one can deduct the price difference. In blockchain payment, customers settle directly with merchants. The merchant's money arrives instantly. This is the meaning of blockchain payment. Blockchain + payment makes payment fairer, more transparent and lower cost.
Many people believe that 2018 is the year of “national currency speculation”. Some people get rich overnight, while others vomit and swallow. Despite the continued downturn in the currency circle, the popularity of blockchain technology has never diminished, and many investors have turned their attention to various blockchain projects. Various companies are also setting up blockchain companies to intervene in this field. However, in fact, although more and more companies are deploying blockchain business, most businesses have made no significant progress and are basically still in the process of development. Unprofitable. Even due to the collapse of Bitcoin in November last year, there was a phenomenon that operations could not continue and layoffs were reduced.
Of course, in addition to the "blockchain craze", there are still many rational blockchain projects, especially in the cross-border payment field with a 2 trillion market, which contains huge development opportunities. Listed companies such as IBM, EDP, and BATJ have also been deploying blockchain + payment services for a long time. Taking EDP Company (Experimental
Data
Processor) as an example, as early as Bitcoin and blockchain Technology has been studied intensively since its birth.
Earlier, EDP was a leader in the field of electronic data, and had served many American online payment service providers, banks, financial institutions, etc., and also cooperated with some e-commerce websites. It is precisely because of EDP's rich experience in these fields that it is well aware that there are obstacles in the payment field that restrict the development of cross-border payments such as cost, efficiency, and processing speed. To this end, EDP has created a blockchain payment platform - EDT. What EDT wants to do is to provide real value to e-commerce platforms and consumers, and let everyone (currently, the purpose of EDTThe target market (mainly Chinese people around the world) can really use it and is willing to use cryptocurrency for payment operations, not just limited to currency speculation and speculation.
In fact, many defects in the traditional payment field are due to the fact that traditional payment methods have many intermediate links and rely on third-party institutions. The entire payment system needs to pay corresponding fees, which greatly affects the effect of payment. The distributed network structure of the blockchain provides a mechanism to maintain consensus between buyers and sellers without contacting the central organization. The EDT blockchain payment platform can function as a super ledger. All transactions on the blockchain network The nodes jointly witness each transaction and conduct distributed records at the same time to ensure the completion of the transaction. In theory, seamless, fast, and convenient payment transactions can be achieved.

C. 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 and industrial changes, 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.

D. The first blockchain-based e-commerce retail platform—ETB (Business Token)

ETB’s vision is to “create a new future for retail, share a new smart life, We are committed to building a global trillion-level new retail + blockchain economic global business community”!

Adhere to the new thinking of new retail + blockchain, reshape the multi-level complex relationships of business, form a business intelligence ecosystem with blockchain as the underlying structure, and create the original "ETB Business Pass" The new retail model activates the circulation link, tightens the traceability system, reshapes the business chain, activates traditional business potential, and empowers the real economy! This is our mission!

ETB uses a series of blockchain technologies to connect the online and offline actual products of the ETB chain, realizing the quantification of the value of new retail products within the global ecological chain and making the value circulation value intuitive.

ETB is an intelligent, fair, just, transparent, open and credible digital global transaction ecological chain for new retail. It is an innovative application of blockchain technology in the field of new retail digital transactions. ETB token is a digital asset issued for the global new retail industry. It takes the digitalization of new retail as the core idea.Through a series of blockchain technologies, we can connect the online and offline actual products of the ETB chain to achieve value quantification, value circulation, and value intuitiveness within the global ecological chain of new retail products.

ETB blockchain, as one of the products of blockchain 3.0, fully draws on the advantages of Bitcoin and Ethereum, while combining other blockchain innovative technologies and introducing Bitcoin’s POW workload Proof mechanism to ensure the value stability of ETB tokens; introduce innovative POS equity proof mechanism to more effectively execute asset transactions, including digital transactions of new retail products, financing, etc.

E. Blockchain By discovering user pain points and cutting in at the right time, there have been many cases of subverting traditional industries; in the blockchain era, as technology becomes increasingly mature, there are more opportunities to achieve subversive innovation in multiple industries by "resolving trust"; even if the "Internet" has The automotive maintenance industry, which seems to be a tough nut to crack, is beginning to be subverted by "blockchain". What else is impossible?

Niu Wenwen, founder and chairman of Dark Horse Academy, often says that "all business in China is worth doing again." Niu Wenwen's words are more about Internet people, and they also describe the new opportunities brought by the Internet's transformation, impact, and transformation of traditional industries. In the process of providing "solutions" to traditional industries, many Internet people continue to discover the pain points of the industry. Many people have solved the "predecessors" in this industry and become famous in the world.

1. In "providing solutions", Internet cases that subvert traditional industries.

1. Before the establishment of Flash Delivery (a new express delivery model that provides users with direct delivery and time-limited intra-city delivery services), the team mainly provided SAAS software services for domestic express delivery companies. Help express companies provide technical support and "solutions". While providing "solutions" to many express delivery companies, I discovered a gap in the market for "same-city" express delivery, innovated the model, and became famous in one battle. Up to now, there are more than 700 members in the Shanshuo team, with services covering 177 cities, more than 78 million users, and more than 410,000 Shanshuang employees.

2. Before the establishment of Aijia Life (creating a one-stop home decoration service platform by integrating social resources such as real estate, designers, brand hard decoration, and brand home furnishings, focusing on a simple and high-quality lifestyle), The team mainly provides CRM customer management system software services for real estate developers. When cooperating with real estate developers for a long time and providing "solutions", they discovered the industry pain points in the home decoration market. With the help of long-term real estate cooperation resources, they started "Home Decoration 3.0""era, less than 3 years after its establishment, the contract value exceeded 10 billion, causing great ripples in the home decoration industry.

Although we can find many such cases. BUT, in some industries, even the Internet People have tried hard and tried one after another to subvert through "Internet +" or "+ Internet", but most of them failed. Which industries? They are those industries with serious "trust crisis" that cannot be broken through and alleviated by Internet technology alone. .

2. By “resolving trust” to disrupt and innovate many industries, “Blockchain ⅹ” will stimulate great vitality.

Before the emergence of blockchain, the world’s credit There are no more than three types of systems. The first is based on morality, which relies on moral constraints to solve the problem of trust. The second is based on faith. Because Christians believe in God and rely on a common belief, they have established a credit system. The third is Based on the government, we all use the government's credibility as a backing to produce system designs. Based on these three systems, it is always difficult to form a closed loop for certain industries or certain links in the industry. The so-called "pain points" that Internet people solve are all It is based on transformation and subversion in stages and specific scenarios.

With the emergence of blockchain, there is a new cornerstone of the credit system in the world---algorithm, which has one characteristic, which is consistency. Regardless of time or place, as long as the input is determined and the algorithm is used, the output will be determined. The new credit system established by the blockchain based on this feature allows the blockchain to be used in finance, energy, government, medical care, copyright, the Internet of Things, and agriculture. , charity and many other industries, new opportunities for change have arisen. As regulatory norms, industry norms, and technological maturity continue to improve, the blockchain industry bubble will gradually disappear and accelerate into a new stage that is closely integrated with the real economy. District If the blockchain 1.0 and 2.0 eras are called "blockchain+", then the 3.0 era should be called "blockchainⅹ", which will promote the transformation of the entire social pattern more efficiently.

3. The automobile maintenance industry will be subverted by "blockchain", what else can't be done?

Taking the automobile maintenance industry as an example, "trust" has become a pain point that is difficult to break through in the industry. Information in the industry chain Opaque; manufacturers and distributors cannot grasp accurate data on market consumption and inventory; repairers cannot find suitable accessories in the massive inventory, making ordering difficult and delivery slow; consumers cannot find high-quality repair stores, which is time-consuming and labor-intensive China's automobile aftermarket is worth trillions. Internet giants such as Alibaba and JD.com have entered with huge sums of money, but there has been no trouble and mediocre results. Internet people have always been unable to find a way to solve the "trust crisis" in the automobile aftermarket. To the breaking point.

CarFix, as the issuer of the Vehicle Lifecycle Blockchain Token (VLB), hopes to guide many participants in the vehicle lifecycle industry, including automakers, dealers, repair shops, insurance companies, parts dealers, etc. Entering a new "era", it hopes to, in the company's words, "change the face of one of the world's most outdated industries." Developing and building a blockchain platform to bring transparency and record immutability to the automotive lifecycle industry - data from the first time a car is assembled on the factory floor, all the way to the time it is recycled in the junkyard The entire process is transparent and cannot be changed. Using this blockchain to perform routine maintenance work builds consumer trust in maintenance personnel.

CarFix claims that it has created an ecosystem of trading software platforms, repair shops, spare parts suppliers and dealers. In this system, any repair work can be immediately priced through an algorithm, the algorithm and the price are transparent, and the maintenance service can be booked as easily as booking a hotel room. Its ecosystem currently includes more than 500 repair shops, the 10 largest spare parts distributors, main dealers and more than 250,000 users, 50,000 of whom are regular paying customers. This ecosystem is clearly still thriving and will further enhance blockchain’s core capabilities of decentralization and immutability of records. In essence, blockchain tokens are endorsing industries that were once considered “untrustworthy” and helping them regain the trust of consumers.

With the smooth development of public chains such as EOS and AE, we can foresee that there will be more DAPPs based on application scenarios that solve real-life problems, and blockchain will soon penetrate into our lives. Every corner is integrated with our lives. Fortunately, as of the end of March this year, the number of blockchain companies in my country with blockchain as its main business reached 456, and the industry has initially formed a scale. As the innovation and development of blockchain technology gradually matures, blockchain applications have extended from the financial field to the physical field, including electronic information storage, copyright management and transactions, product traceability, digital asset transactions, Internet of Things, intelligent manufacturing, supply In areas such as chain management, a number of “industrial blockchain” projects have been formed.

~ At 13:14 every afternoon, you are welcome to come to the Qiao Family Courtyard to enjoy tea~

F. In which industries will blockchain technology be applied?

——Original Title: Market Analysis of China's Blockchain Industry in 2019: Empowering various industries to accelerate application implementation, there will be two major opportunities for future applications

2019 - the "Year of Mainstream Applications" of Blockchain

Since 2018 In August of this year, blockchain electronic invoices were issued for the first time in Shenzhen. So far, more than 6 million have been issued, amounting to 4 billion yuan, and connected to more than 5,300 companies, covering more than 110 detailed industries. In addition to electronic invoicesIn the field of supply chain finance, legal certificate depository, cross-border payment and other project scenarios, blockchain has also been successfully implemented...

At the "Thousand People Watching Fire Conference" held in the blockchain industry recently , a reporter from the Economic Daily learned that in 2019, technology implementation and application have brought blockchain into the "Year of Mainstream Applications." On the one hand, many Internet giants have laid a solid technical foundation, and on the other hand, they are actively exploring more valuable scenarios and looking for development opportunities in empowering the real economy.

“Blockchain technology can play the role of anchoring, sharing, and increasing trust in the entire social information flow, making chaotic information credible. This is a qualitative leap compared with the past. '." Zhang Zhangxiang, chief architect of WeBank's blockchain, said, "Risk control and business rules design based on trusted data can improve efficiency and reduce risks, and operating costs will also be lowered." He pointed out that blockchain as a connection It doesn't make much sense for a single company to operate a server. It makes more sense to share it as an open source solution and realize the industry's co-construction of an ecosystem.

“We have been exploring and practicing open source, starting from the underlying technology platform, and combining scenarios in finance, industry, the Internet of Things, culture and entertainment, etc., to jointly build an open, transparent, and efficient technology and industry community. The open source ecosystem helps activate industry creativity. We will insist on starting from the open source community and improve a complete system such as system construction and skills training to benefit more people."

my country's blockchain industry in 2019 The market size exceeded 100 million yuan

my country's blockchain industry is still in its infancy. However, with the continuous support of national policies, the continuous advancement of industry technology and the increasing demand in downstream application fields, my country's blockchain industry is still in its infancy. The industry is expected to continue to maintain rapid growth. According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in China's Blockchain Industry" released by the Qianzhan Industry Research Institute, the market size of my country's blockchain industry was less than 6 million yuan in 2011. As of 2017, the market size of my country's blockchain industry The market size increased by 32 million yuan, and by 2018, the market size of my country's blockchain industry had reached 67 million yuan, maintaining a rapid growth rate of more than 80%. It is predicted that the market size of my country's blockchain industry will exceed 100 million yuan in 2019, and it is expected that in 2022, driven by policy support and downstream demand, the market size of my country's blockchain industry is expected to exceed 450 million yuan.

China’s blockchain industry market size statistics and growth forecast from 2015 to 2022

Data source: Compiled by Qianzhan Industry Research Institute

After The audited information such as enterprise asset confirmation, registration and transfer records are all stored on the platform in a traceable form. Banks can carry out rapid financing and lending business based on this, eliminating the cost of guarantees and other links, greatly improving efficiency, and making the overall risk of financing and lending controllable.

Electronic data storage is an important application area of ​​blockchain technology

The "Supreme People's Court on Several Cases Heared by Internet Courts" came into effect in September 2018"Provisions on Problems", it is clear that technical means such as blockchain can be used to solve the problem of electronic data storage. Xiang Dan, vice president of Bibox digital asset trading platform, said that electronic data storage is an important application area of ​​blockchain technology. “Blockchain technology has the characteristics of preventing tampering, leaving traces during the incident, post-event auditing, and security protection, etc., which is conducive to improving the credibility and authenticity of electronic evidence. The combination of blockchain and electronic data storage can reduce the cost of electronic data. Reduce the cost of certificate storage, improve judicial efficiency, and empower judicial business. For example, contract management based on blockchain has many application cases in many Internet courts."

In the Trusted Content Community Zhou Jianrui, co-founder and co-founder of CoinWord, believes that blockchain-based electronic data storage applications can also help deepen the reform of “delegation, regulation and services” and improve administrative efficiency. In pilot areas such as Haidian District in Beijing, blockchain technology is playing a role in efficient data sharing, secure transmission and credit support. When applied in the field of government affairs, it can realize real-time sharing of data among various departments and effectively assist window personnel and approval personnel to quickly verify the authenticity of materials. . For example, by "linking" public security, civil affairs, housing management and other departments to the chain, real estate transactions can be handled quickly and accurately, and multi-party information can be verified with "one click", greatly saving social costs.

There will be two major opportunities in blockchain applications

Since society’s recognition of blockchain is not high yet, the number of people who understand and use blockchain is still very limited. The penetration of blockchain into the real economy still requires a gradual process. "Huobi China CEO Yuan Yuming said that they use the open, transparent and non-tampering characteristics of the blockchain to explore new paths for traceability and anti-counterfeiting of artworks through high-precision full-pixel scanning and archiving; by building a trust mechanism in multi-party collaboration scenarios, Develop a points information platform for multi-party participation and resource sharing. "Next, there will be two major opportunities for blockchain applications:

First, training, with the entry of corporate giants and the expansion of the real industry Continue to penetrate and let more people understand the blockchain through training, which has become a new market demand;

The second is to provide consulting and technical solutions to more traditional enterprises to help them penetrate the blockchain into more in many traditional fields to promote consumption reduction, efficiency improvement, transformation and upgrading of the real industry. ”

G. What is the blockchain + supply chain financial solution?

Since the blockchain has started a craze in China, the entire industry has been constantly exploring various implementation scenarios. It can be said that the blockchain is so attractive that it has attracted countless entrepreneurs to compete. So what are the advantages of the blockchain in the supply chain finance track? What are the pain points of the traditional model? What new business models can the blockchain create? How to solve these problems? How should blockchain startups enter this field?
Moody's, a world-famous bond rating agency, has given 127 blockchain cases, from points to transaction clearing, from document storage to Supply chain management, from cross-border payments to supply chain finance, has various applications emerging in endlessly.
Among so many applications, the field of supply chain finance has attracted much attention and has been commercialized.Progress is rapid.
This is because first of all, the supply chain finance scenario has a market scale of trillions, and the ceiling is high enough. Secondly, this scenario naturally requires multi-party cooperation, but there is no traditional centralized organization to manage it, so it needs to use regional Blockchain is used to build trust. At the same time, technically this scenario does not require high concurrency, and current blockchain technology can satisfy it.
1. Supply chain finance is a trillion-level market
Supply Chain Finance: refers to treating the core enterprises in the supply chain and their related upstream and downstream enterprises as a whole, with the core Relying on enterprises and taking real trade as the premise, we use self-reimbursement trade financing to provide comprehensive financial products and services to upstream and downstream enterprises in the supply chain.
Based on different financing collaterals, financial institutions divide supply chain finance into accounts receivable, prepayment and inventory financing, among which the scale of accounts receivable is particularly huge.
Data from the National Bureau of Statistics show that at the end of 2016, the accounts receivable of my country's industrial enterprises above designated size reached 12.6 trillion yuan, a year-on-year increase of 10%, which resulted in huge financing needs for enterprises. Compared with the huge accounts receivable, my country's annual commercial factoring volume in 2015 was only about 200 billion yuan. It can be seen that there are still a large number of supply chain needs that have not been met, so there is huge room for development of the supply chain finance industry.
2. How blockchain can solve the pain points of supply chain finance
Pain point 1: Financing is difficult and costly for small and medium-sized enterprises in the supply chain
Since banks rely on the core enterprises’ ability to control goods and To adjust sales capabilities, for the sake of risk control, banks are only willing to provide factoring business to upstream suppliers (limited to first-tier suppliers) that have direct accounts payable obligations for core enterprises, or to provide factoring services to their downstream dealers (first-tier suppliers). ), providing down payment or inventory financing.
This has resulted in the needs of second- and third-tier suppliers/dealers with huge financing needs not being met, the business volume of supply chain finance being restricted, and small and medium-sized enterprises not being able to obtain timely financing. Leading to product quality problems will harm the entire supply chain system.
Blockchain solution:
We issue and run a digital ticket on the blockchain, which can be split and transferred at will under open and transparent conditions and witnessed by multiple parties.
This model is equivalent to making credit in the entire business system transmissible and traceable, providing financing opportunities for a large number of small and medium-sized enterprises that were originally unable to obtain financing, greatly improving the efficiency and flexibility of bill circulation, and reducing Cost of capital for SMEs.
According to statistics, in the past, traditional supply chain finance companies could only provide financing services to 15% of suppliers (small and medium-sized enterprises) in the supply chain. After adopting blockchain technology, 85% of suppliers can All can enjoy financing convenience.
Pain point 2: As the main financing tools of supply chain finance, commercial bills and bank bills are currently used in limited scenarios and are difficult to transfer.
The use of commercial bills is subject to the credibility of the company, and it is difficult to control the arrival time of discounted bank bills. At the same time, it is not easy to transfer these bonds.
Because in actual financial operations, banks are very concerned about the legal effects of the "transfer notice" of accounts receivable claims. If the core enterprise cannot sign back, the bank will not be willing to grant credit. It is understood that the bank is very cautious about the legal effects of signing the "transfer notice" of the creditor's rights, and even requires the legal representative of the core enterprise to go to the bank to sign in person. Obviously, this method is extremely difficult to operate.
Blockchain solution:
A consortium chain can be created between banks and core enterprises, which can be used by all member enterprises in the supply chain. By utilizing the multi-party signature and non-tampering characteristics of the blockchain, The transfer of creditor's rights has reached consensus among many parties, reducing the difficulty of the operation.
Of course, the system design must be able to achieve the effect of legal notification of bond transfer. At the same time, banks can also trace transactions at each node and outline a visible transaction flow chart.
Pain point 3: It is difficult for the supply chain finance platform/core enterprise system to prove its innocence, resulting in high risk control costs on the capital side
In the current supply chain finance business, banks or other capital sides are not only worried about the company's In addition to the ability and willingness to repay, they are also concerned about the authenticity of the transaction information itself, which is recorded by the ERP system of the core enterprise.
Although ERP tampering is difficult, it is not absolutely trustworthy. Banks are still worried that core enterprises and suppliers/distributors collude to modify information, so they need to invest manpower and material resources to verify the authenticity of transactions, which adds additional Risk control costs.
Blockchain solution:
As a "trust machine", blockchain has the characteristics of traceability, consensus and decentralization, and the data on the blockchain is timestamped, even if Even if the data of a certain node is modified, it cannot cover the sky with one hand. Therefore, the blockchain can provide an absolutely trustworthy environment, reduce the risk control cost on the capital side, and solve the bank's concerns about information tampering.
3. How should blockchain companies enter supply chain finance
In terms of market selection, we believe that blockchain startups should choose subdivisions with high ceilings, such as home appliances, automobiles, retail, and clothing. , pharmaceutical industry, etc. On the one hand, these industries have a vast market; on the other hand, their supply chain management infrastructure is relatively complete, and the upfront cost of adopting blockchain is relatively small.
We believe that there are two models for blockchain companies to enter supply chain finance.
The first is to directly cooperate with core enterprises/platforms to provide them with underlying blockchain solutions. After accumulating enough data, build an alliance chain to connect with funds to provide financial services. (Consortium Chain Model)
Given that the blockchain itself cannot solve the problem of risk control, enterprise-level risk control at this stage still needs to revolve around strong core enterprises. At the same time, obtaining the support of core enterprises can also effectively solve the problem of customer acquisition. problem, because a large core enterprise generally has thousands of suppliers of various types.Should be business.
At present, domestic blockchain companies start from core enterprises, including Bubi, Wanglu Technology, etc. Bubi has launched a consortium chain "Buno" specially built for supply chain finance, integrating banks and core enterprises. , factoring companies, etc. are all linked. Bunuo is based in Guangzhou and Shenzhen, radiates business in the southeast region, and digs deep into the field of supply chain finance. It has previously signed a strategic cooperation agreement with Yigang.com.
The second model starts by providing supply chain management services, such as traceability, tracking, visualization, etc., integrating information flow, logistics and capital flow, and providing financial services on this basis. (Private chain mode)
This mode is equivalent to building an application scenario using blockchain. Just like Alipay back then, if Jack Ma had just started Alipay, it would have been difficult to do it because there was no application scenario, so he first started Taobao to serve the real economy. With Taobao, Alipay emerged as a centralized trust scenario, and other applications were grafted onto Alipay to create Ant Financial.
At present, among domestic blockchain companies, those that adopt the supply chain service model include BITSE and Food Excellence.
For example, VeChain provides an anti-counterfeiting traceability method by implanting an NFC chip into each product, registering the product on the blockchain so that it has a digital identity, and then recording this through a jointly maintained account. All information of digital identity achieves verification effect. At present, Vechain products have connected with more than 10 industry benchmark customers, and millions of IDs are running on the chain.
4. Three steps to build a supply chain financial exchange
From the perspective of implementation path, the application of blockchain in the field of supply chain finance can be realized in three steps.
As a premise, we need to first create a blockchain + supply chain finance alliance. Participants in the alliance include supply chain finance platforms, core enterprises, professional financial intermediaries, funders, factoring institutions, etc.
Each participant needs to assume corresponding obligations. For example, the platform is responsible for providing supply chain information, customer information and other basic services similar to water and electricity. The core enterprise understands the industry status, has control over the enterprises in the supply chain, and is responsible. risk control.
Professional financial intermediaries can integrate and analyze platform information and provide customized supply chain financial products, such as personalized blockchain electronic bills. Funding parties include banks, Internet financial institutions, etc. who are responsible for connecting customers with corresponding risk preferences.
After the alliance chain is established, you can start the three-step strategy.
The first step is to put the data on the chain, put the data in the supply chain alliance on the chain, use the characteristics of the blockchain to make it tamper-proof, and provide data verification, traceability and other services.
The second step is to digitize assets, turning warehouse receipts, contracts, and blockchain bills that can represent financing needs into digital assets, which are unique, non-tamperable, and non-replicatable.
The third step, the transaction of digital assets, the supply chain finance platform will be transformed into aThe financial asset exchange converts non-standard corporate loan needs into standardized financial products, tokenizes them, connects investment and financing needs, and conducts value transactions.
Ultimately, blockchain technology will effectively enhance the liquidity of supply chain financial assets, mobilize new financing tools and risk control systems to help cover the long-tail market for small and medium-sized enterprise financing, and give birth to supply chain finance as a service.

H. The digital currency pledge platform is staking its claim, and the trillion-dollar dream of utopia has just begun

The currency world is changing rapidly. It was heaven one second and hell the next. Not long after the exchange war, digital currency pledge platforms began to bloom one after another.

"The world of traditional finance is too slow, with low returns and increasing risks."

The currency market has been in a downturn recently, but various types of capital are peeking in secretly and undercurrents are surging.

Earlier, Bihuex.com, the world's leading cryptocurrency exchange, announced that Mars Digital Asset Bank will provide it with digital currency pledge services. Users can pledge the six currencies of BTC, ETH, BCH, LTC, EOS, and ETC in the Bihu Global Exchange to Mars Digital Asset Bank to obtain USDT.

"This will be a trillion-dollar market that needs to be tapped urgently." Relevant practitioners said that the current demand for digital currency lending market is strong, which is mainly divided into three types of short-term borrowing needs. One is to borrow coins to buy coins; They are optimistic about the value of other currencies but do not want to bear the pain of selling the coins they hold; the second is that the borrower holds a large amount of digital currencies but does not have enough RMB to meet the needs of normal life; and the third is used to solve personal industrial needs business needs.

"It is a bear market in the currency market, but there are also some people who are aiming for bargain hunting opportunities. We can just meet their needs." From the current point of view, most of the borrowers' needs are to borrow coins to buy coins.

Is the digital currency lending market worth exploring? The market has received mixed reviews. Some people believe that this business model may be a new outlet that can effectively solve the needs of digital currency players. Players who entered the market early will be able to win a piece of the pie; however, there are also opinions that this book It is a loft game in the sky. It is engaged in some gray businesses that avoid supervision and survive in cracks. As for the market prospects, it is impossible to talk about it.

Why is digital currency staking suddenly popular?

Since its launch, Mars Digital Asset Bank, the world’s first digital asset bank, has quickly become an industry leader with its stormy publicity and its derivative financial ecosystem combined with the CoinTiger Global Exchange. Its unique, The novel gameplay not only makes various transactions, such as mining and currency exchange, instantly a thing of the past, but also allows users to no longer have to look at the declining industry without losing money.The dilemma of legal realization.

In fact, mortgage loans are a very common way of playing financial games. In the past, what was pledged was just cars, houses, goods, etc., but now it is replaced by virtual currency. Digital currency staking is nothing more than a process in which users do not want to sell their coins, so they pledge their virtual currency (for example, with a pledge rate of 50%) to obtain cash. "Most of this market currently only recognizes the two mainstream currencies, Bitcoin and Ethereum. The current income from this business is interest." Xiong Ge, an old man in the currency circle, revealed. Pledge and loans are an inevitable part of traditional finance. In the field of blockchain, digital currency pledge must also be the cornerstone of blockchain financialization.

For financial people, although investment projects may have a hundredfold return, in most cases the investment is in vain. Digital currency staking is a sure way to make money without losing money.

Another way to make a profit without losing money is to move bricks, but the current space is getting smaller and smaller. Therefore, digital currency pledge has quickly gained favor among financial professionals. In addition, the annualized rate of 40% to 70% is in line with the cognitive framework of financial professionals.

If you tell them that the returns from investing in Bitcoin are extremely high, they can’t see or touch it, and may even have some doubts. But if you tell them to put a sum of money in and get a good return by pledging it, they will You will understand it instantly and be willing to invest money immediately.

The pledge rate is safe, the annual rate of return is 30-90%, the market is blank, and you can understand... Various factors have made digital currency pledge almost become the first choice for financial people to embrace the blockchain.

Lending with own funds

Currently, there are roughly three types of digital currency lending, the first one is similar to traditional real estate pledge. The main process is that the currency holder initiates a loan application to the loan platform; after the platform capital verification is completed, the two parties sign an electronic loan agreement, and the borrower deposits the pledged digital currency into the platform's designated wallet; after confirming receipt of the currency, the platform will pay 50% of the current currency price -60% for lending (generally 50% to 60%, some platforms put 100%); then, the platform transfers the corresponding loan amount to the borrower in RMB or digital currency; once the loan period is up, the borrower repays the money and pays According to the interest, the platform will return the pledged digital currency to the borrower, and the entire loan process is completed.

However, due to unstable market conditions, the price of the digital currency pledged by the borrower will also fluctuate up and down. In order to avoid loss of borrowing amount and interest, the lending platform will mark the market and monitor risks of pledged digital assets. If the price drops to the warning line, the platform will remind the borrower to stop midway or to cover the position. If the borrower chooses to stop, the platform will suspend the transaction, and the borrower will need to pay the corresponding principal and interest and redeem the corresponding digital currency; if the borrower fails to cover the position and the digital currency continues to fall to the liquidation line, the loan platform will force the position to be liquidated. , the pledged digital currency will be handled by the platform, and at the same time, the loan agreement will be terminated accordingly.

Peer-to-peer trading

When the market demand for borrowing gradually increases and its own lending funds are insufficient, the platform will introduce a digital currency lender to raise mainstream digital currency in a form similar to P2P bidding. Currency or legal currency, covering the needs of borrowers. This business model is similar to traditional P2P and is also the most common method in the digital currency lending market. During the entire transaction process, the lending platform will adopt a programmed lending contract management agreement. The lending agreement written into the contract will be automatically executed in accordance with the agreed terms and cannot be tampered with.

Take the platform where Wang Hu (pseudonym) is located as an example. First, the lender can publish the corresponding loan amount and terms on the platform. When the borrower selects the corresponding loan product, the platform customer service staff will initiate a three-party The wallet is co-managed, and the borrower transfers the corresponding digital currency collateral to the wallet.

After the pledged digital currency is transferred in, the lender needs to confirm its value and inform the platform customer service staff. The customer service staff will lock the co-managed wallet. After that, the lender needs to report to the borrower as agreed. The account is transferred to legal currency or digital currency to complete the lending behavior.

After the loan is generated, the platform will also conduct mark-to-market and risk monitoring (the same as the first pledge loan method mentioned above). If the price drops and triggers the liquidation line, the platform will activate the liquidation mechanism. At this time, the digital currency equivalent to the principal and interest value in the borrower's locked position will be transferred to the lender's wallet, and the remaining pledged digital currency that is unlocked will be returned to the borrower.

Wang Hu pointed out that this model meets users’ capital turnover needs in the form of pledged lending, and uses blockchain technology to match borrowers and lenders. Lenders and borrowers can conduct person-to-person (point-to-point) transactions. Digital asset pledge, the platform provides financial management and lending services for digital assets, and the profit model is handling fees and service fees.

This model uses smart contracts to automatically execute the lending behavior and terms agreed by both parties. The entire operation is more transparent, automated, and fixed, and avoids the risk of fraud in the lending process to a certain extent.

Leverage game

If the above two gameplays are to solve the short-term investment or urgent needs of money holders, then the third gameplay meets the needs of currency holders. Leveraged trading behavior of circle investors. In the words of Li Hong (pseudonym), a person in the currency circle, "Currency holders continue to increase leverage to borrow money and speculate in coins. The whole game is full of gambling, and the game is heart-pounding!"

Leveraged trading, It is to magnify the principal several times and make larger investments with small funds. On the one hand, you can use small funds to make big gains and double the income, but at the same time, you must also bear the risk of doubling the possible losses. JANE told reporters that the operating entities of this type of leveraged games are generally digital currency exchanges, and borrowers can make leveraged investments to earn the difference between the rise and fall of different currencies.

Use Huobi Pro Take the BTC/USDT trading pair for leverage trading as an example. It currently supports up to 3 times leverage. When a borrower goes "long", he has a principal of 10,000 USDT and can borrow up to 20,000 USDT from the platform, that is, 30,000 USDT can be borrowed from the platform. Buy USDT at a low price and sell at a high price to earn the difference; when "short selling", the borrower has a principal of 10,000 USDT (0.5 BTC), and can also borrow 1 BTC from the platform, sell it at a high price, and buy it at a low price Enter to get the price difference.

It is worth noting that leveraging less funds can achieve the possibility of obtaining greater returns, but once the judgment is wrong, the losses will be magnified year-on-year. Moreover, sometimes there are human factors in some exchanges, which often cause people to go to the exchange holding dichlorvos to ask for explanations due to sudden liquidation of positions for no reason.

Currently, each exchange charges borrowers daily interest ranging from 20,000 to 1,000 percent, and provides leverage ranging from 1 to 100 times. The higher the leverage you choose, The greater the risk the borrower takes. If the leverage ratio is 10, if the decline exceeds 10%, the account will be liquidated directly; if the leverage ratio is 100, if the decline exceeds 1%, all losses will be incurred.

Trillion vents or sky loft?

Some practitioners analyze that there are currently thousands of platforms involved in digital currency lending business in the market, and about 30 million people around the world hold digital currencies. From this point of view, the user group is still not large enough, but as time goes by As more and more people hold digital currencies in the future, the entire lending market will slowly grow.

In the view of the above-mentioned practitioners, digital currency lending business is an urgent need in the market and may become a new trend in the "currency circle" in the future. As the industry is in the process of evolution from disorder to order, from non-professional to professional, from irregular to regular, the digital currency lending business will slowly enter a healthy market. Digital currency staking has considerable profits, but its risks cannot be underestimated. In the eyes of the outside world, digital currency pledge is cash loan and digital currency. The two most profitable industries in history have joined forces, and the "profit" value can be called five stars.

"Nowadays, many people outside are obscene and think that it is very easy for us to make money. In fact, when they come in, they know how many pitfalls there are." A person in the circle lamented that he was as tired as a dog every day and was under great pressure.

"It's easy to die if you don't have experience in doing this. The risk is too great. Although the currency is pledged, the currency circle fluctuates violently, and you have to bear the risks. If you get the currency once, You can't throw it away, or you'll lose all your money." This requires a strong professional background.

At present, many large capital investors who are not investing in projects for the time being are using money to test in the digital currency market. For example, invest 1 million first and see if the results can be achieved over a period of time to see if a good model can be developed. If possible, increase the capital to 10 million and see what kind of return rate can be achieved. Because digital currency is an unfamiliar market, once they get a taste of itSweetness will continue to bring large amounts of funds to invest.

As digital currency staking becomes increasingly popular, there are also some doubts. "Is digital currency really a good collateral when it fluctuates so much?" However, it seems that only time can prove the digital currency that has been criticized since its birth.