区块链跟民生有什么关系吗,区块链跟民生有什么关系嘛

『一』What is the relationship between blockchain and digital renminbi

Digital renminbi is often compared to cryptocurrencies such as Bitcoin and Ethereum that use blockchain technology. . Digital RMB draws on blockchain technology, but as a legal currency, digital RMB has centralized characteristics. Executives from major European central banks said that issuing central bank digital currencies does not actually require the use of blockchain technology. The core elements of the digital RMB system framework are "one currency, two databases, and three centers". The technologies used in the use process include NFC and distributed ledger technology.

Related listed companies in the digital renminbi industry: Radio and Television Express, Changliang Technology, Lakala, Digital Certification, etc.

The core data of this article: core elements of the digital renminbi system framework

1. The characteristics of blockchain are distributed and decentralized

Digital RMB is often compared to cryptocurrencies such as Bitcoin and Ethereum that use blockchain technology. Broadly speaking, blockchain technology uses block chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses automated scripts to A new distributed infrastructure and computing method that uses smart contracts composed of codes to program and operate data.

2. my country’s digital renminbi only borrows from blockchain technology

The digital renminbi has the same characteristics as blockchain technology, such as traceability and non-tamperability, but the digital renminbi only borrows from of blockchain technology. As a legal currency, one of the main features of digital renminbi is a centralized management model, while one of the core features of blockchain is decentralization.

Previously, countries that have issued digital currencies based on blockchain technology include Iran, Ecuador, Uruguay, Senegal, etc., but these digital currencies have not become popular. In September 2020, executives of major European central banks stated that if central banks around the world want to issue central bank digital currencies, they do not actually need to use blockchain technology. In the case of central bank digital currencies, central banks provide " Trust”, so there is no need to use blockchain technology when the central bank steps in.

In the financial field, blockchain technology is currently used experimentally or on a small scale in digital currency, payment and clearing, digital bills, bank credit management, etc.:


3 , The core elements of the digital RMB system framework are "one currency, two treasury, three centers"

According to the "Prototype Concept of China's Legal Digital Currency", the core elements of the digital RMB system framework are "one currency, two Library, Three Centers”. Among them, "one currency" refers to the central bank's digital currency; "two libraries" refers to the digital currency issuance library (the database where the central bank's digital currency issuance fund is stored) and the digital currency bank library (the database where commercial banks store the central bank's digital currency); "three libraries" "Center" refers to the certification center (responsible for identity information management), registration center (responsible for digitalCurrency ownership registration) and big data issuance center (responsible for analysis of anti-money laundering, payment behavior, etc.).


4. Technology used in the use of digital renminbi

The use of digital renminbi involves multiple links such as currency issuance, storage, payment, and transaction recording.

In the digital RMB payment process, due to the use of NFC technology, in addition to mobile phones, the payment media for digital RMB also include "digital currency chip cards". The implementation of chip cards makes it easier for the elderly to use. "Digital currency chip card" specifically includes five forms: visual Bluetooth IC card, IC card, mobile phone eSE card, mobile phone SD card, and mobile phone SIM card. In addition to using NFC technology, some digital currency chip cards interact with smartphones through Bluetooth technology to achieve query and account information synchronization.

In the digital RMB transaction recording process, through distributed ledger technology, the central bank and commercial banks build a CBDC distributed rights confirmation ledger, provide a website for external inquiries about CBDC rights confirmation through the Internet, and experiment with online banknote verification. machine function.

『二』What is the relationship between blockchain and digital renminbi

Differences:
1. Blockchain and digital currency complement each other and are inseparable. Blockchain is a digital currency One of the means of circulation.
2. Blockchain is the theoretical basis of digital currency. Digital currency is established on the basis of blockchain technology. Blockchain has certain guarantees for the security of digital currency. At the same time, digital currency is a block chain. The most successful application of chain technology.
Since the concept of "digital renminbi" was proposed, digital renminbi has often been compared to cryptocurrencies such as Bitcoin and Ethereum that use blockchain technology. So let’s first figure out what is digital renminbi?
Digital RMB is a legal currency in digital form issued by the People's Bank of China. It is operated by designated operating agencies and redeemed by the public. It is based on a broad account system and supports the loose coupling function of bank accounts. It is compatible with paper Banknotes and coins are equivalent, have value characteristics and legal compensability, and support controllable anonymity.
The concept of digital renminbi has two key points. One is that digital renminbi is a legal currency in digital form; the other is that it is equivalent to banknotes and coins. Digital renminbi is mainly positioned at M0, which is cash and currency in circulation. coin.
But in fact, the digital renminbi only draws on blockchain technology, but as a legal currency, the digital renminbi has centralized characteristics. Executives from major European central banks said that issuing central bank digital currencies does not actually require the use of blockchain technology. The core elements of the digital RMB system framework are "one currency, two databases, and three centers". The technologies used in the use process include NFC and distributed ledger technology.
02 What is blockchain technology?
In a broad sense, blockchain technology actually uses fast-chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, and uses cryptography.A new distributed infrastructure and computing method that ensures the security of data transmission and access and uses smart contracts composed of automated script codes to program and operate data.
03 Digital RMB just draws on blockchain technology
Digital RMB has the same characteristics as blockchain technology, such as traceability and non-tamperability. As a legal currency issued by the state, the most important feature of the digital renminbi is the "centralized management model", and one of the core features of the blockchain is "decentralization".
Previously, many countries have issued digital currencies relying on blockchain technology, such as Uruguay, Iran, Senegal, etc., but none of them have become popular.
Executives of major European central banks stated in September 2020: If central banks around the world want to issue digital currencies, they do not actually need to use blockchain technology. Central banks provide central bank digital currencies. "Trust", so after the central bank intervenes, there is no need to use blockchain technology.
In the financial field, currently blockchain technology has received corresponding experimental and small-scale applications in digital currency, payment and settlement, digital bills, etc.
04 “One coin, two treasury, three centers”
As mentioned earlier, the core elements of the digital RMB system framework are “one currency, two treasury, three centers”. Here we will briefly explain “one coin, two treasury, three centers”. Two warehouses, three centers.” The “one currency” here actually refers to the central bank’s digital currency; the “two databases” refer to the digital currency issuance database (the database that stores the central bank’s digital currency issuance fund) and the digital currency bank database (the database where commercial banks store the central bank’s digital currency); The “three centers” refer to the certification center (responsible for identity information management), registration center (responsible for digital currency ownership registration) and big data issuance center (responsible for analysis of anti-money laundering, payment behavior, etc.).

『三』 Is the digital renminbi related to the blockchain?

Yes. does not matter.
The essential characteristics of digital currency are. First decentralization. In other words, if you give me money, you are a point and I am a point. The bank is the center. Responsible for transfers and accounting. Blockchain has no center. Direct peer-to-peer transactions.
The second is anonymity. Both parties transacting over the Internet do not know who the other party is.
The third untamperable ledger. Because of the consensus mechanism, POW obtains the accounting rights to form a block. No longer is it a transaction between you and me, you can only find that the transaction is recorded in a block, but it cannot be tampered with.

The digital RMB is centrally controlled. The People's Bank. Just using blockchain technology. It is more accurate to say that it is electronic renminbi.

『四』Everyone is talking about blockchain. What does blockchain have to do with us people?

Blockchain sounds like it is far away from us. In fact, the rice we usually eat is Food uses blockchain technology. For example, the blockchain traceability solution provided by Wanglian Technology to a leading domestic enterprise in the production and processing of agricultural products can track goods from production to sales.In all aspects of the process, consumers can know all the information about the product by scanning the QR code on the packaging.

『五』What effect does blockchain have on real life

Blockchain is essentially a disintermediated database, which uses a blockchain data structure to verify A new distributed method that stores data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses smart contracts composed of automated script codes to program and operate data. Infrastructure and computing methods. In layman's terms, blockchain is a distributed accounting technology, which has the characteristics of decentralization, non-tampering, and node consensus mechanism. Although it sounds a bit obscure, it can actually bring tangible benefits to our daily lives:
First, blockchain technology can be used to establish a traceability mechanism for food and vegetables, completely eliminating source pollution of food and vegetables, and providing the common people with Safe and hygienic green food and vegetables allow everyone to buy and eat with confidence;
Second, blockchain technology can be used to store various ownership certificates and notes and transcripts, completely eliminating fake certificates, fake files, fake academic records, fake medical records, fake transcripts, etc. Fraudulent incidents occur;
Third, blockchain technology can be used to conduct community election voting, completely eliminating fake votes and truly achieving openness, fairness and impartiality. Build a democratic community and achieve democratic governance.
In addition, blockchain technology can also be used in many aspects of daily life such as charity fundraising and commodity anti-counterfeiting.

『Lu』 Is that blockchain technology a lie? Does it have any actual connection with our lives?

How can something useful be useless

Nearly In the past few years, more and more people have regarded blockchain technology as one of the most promising new technologies in the future. Right now, there is a lot of talk about how cryptocurrencies and blockchain will change the world economy. Although the future of cryptocurrencies is unpredictable, the unshakable status of blockchain may continue to lead the development of the industry in the future. In fact, blockchain has changed not only the world economy, but even the daily lives of ordinary people have been greatly changed by its impact. The emergence of blockchain technology itself is an innovative process. Anyone who understands blockchain technology should know that blockchain is a database that can collaborate on a large scale. It allows many different subjects to collaborate to complete a task without trusting each other. This is the essence of blockchain.

Since this year, there have been numerous cases about blockchain technology supporting the resumption of work and production of small and medium-sized enterprises.

Here we use the combination of China (Fujian) International Trade Single Window and Blockchain to illustrate

The protagonist! !

We quote the China (Fujian) International Trade Single Window

The third issue of "Case Analysis Service" for analysis

Quickly scroll down with your little hands

Get full of knowledge quickly~

『撒』 How is the current development of blockchain

In 2020,Blockchain has been included in the category of “new infrastructure” by the country, and at least 7 provinces have introduced blockchain support policies. In the same year, blockchain technology was gradually moving from concept to implementation, with many application scenarios blooming. "Blockchain+" various industry applications have become a symbol of the continuous maturity of blockchain.

The development status of "Blockchain+" in 2020

In 2020, the COVID-19 epidemic swept the world, and the uncertainty of world economic development increased significantly. Governments and enterprises of various countries are exploring the use of emerging technologies to reduce economic and social operating costs, improve the operating efficiency of the real economy, and further find new growth points for economic development.

Currently, blockchain is cross-innovating with new technology infrastructure such as cloud computing and artificial intelligence. More and more vertical fields of the real economy are showing the development pattern of "blockchain +" and "escape from reality". The good momentum of "Towards Reality".

In order to avoid turning reality into fiction, in addition to continuing to severely crack down on speculation, we must also guide the deep integration of blockchain technology with practical application scenarios. Therefore, "blockchain+" various industrial application scenarios have become one of the inevitable trends in the development of blockchain.

According to the "Blockchain White Paper (2020)" recently released by the China Academy of Information and Communications Technology, as of October 2020, more than 262 listed companies have been involved in the blockchain field, each from insurance , real estate, commercial department stores, security equipment, packaging materials, telecommunications operations and other 39 fields. In the blockchain information service registration list released by the State Internet Information Office, there are 45 blockchain projects of listed companies.

Among them, finance is the most explored scenario among blockchain technology application scenarios, with specific projects implemented in subdivisions such as supply chain finance, trade finance, payment and settlement, and fund management. The white paper shows that as of November 2020, among the domestically registered blockchain information services, the number of projects in the financial (including supply chain finance) field ranks first, accounting for as high as 36%.

As the implementation of blockchain applications accelerates, "blockchain+" business has become the focus of development for Internet backbone enterprises to enter the blockchain industry. In addition to financial business, they actively deploy the Internet, traceability, Applications in supply chain & logistics, digital assets, government affairs and public services, intellectual property, law, medical and other fields.

At the same time, the industry is gradually understanding that blockchain is the basic component of trusted transactions, but this does not mean that blockchain can conquer the world. Blockchain needs to be combined with other technologies such as artificial intelligence, Internet of Things, big data, 5G, etc. to use synergy to form integrated solutions to jointly promote digital transformation.

According to relevant data, the current application of blockchain is mainly in the field of certificate storage. Blockchain has entered into how to make it better from an engineering perspective, more credible, more stable, and more scalable. Well, a stage that can accommodate more nodes. He Baohong, director of the Institute of Cloud Computing and Big Data of the China Academy of Information and Communications Technology, believes that this process will continue for some time or longer, and the next step of blockchain technology competition will be from engineering.Optimization and improvement turn to technology ecology and business ecology.

In addition, it is understood that the blockchain industry is improving in the long term, and industry cognition has returned to rationality. With the central government's planning and guidance for the development of blockchain technology, my country's blockchain has clarified the development ideas based on the alliance chain, focusing on serving the real economy and optimizing public services, and the direction of industrial development has become clearer. At this stage, the confidence of the majority of practitioners in blockchain continues to improve, and the long-term strategic value of blockchain is generally recognized.

What is the prospect of "Blockchain+" in 2021?

As my country’s blockchain industry chain gradually improves, most blockchain companies not only focus on one aspect, but also show a trend of coordinated development in multiple fields. According to statistics, among the 801 blockchain information service registration lists released by the Cyberspace Administration of China, Beijing, Guangzhou, Shanghai, Zhejiang, Jiangsu, and Shandong are the provinces and cities with the most registered companies.

The core role of blockchain corresponding to its technical characteristics is mainly reflected in the three aspects of certificate storage, automated collaboration and value transfer. As its value potential is constantly being explored, application scenarios have evolved from the breakthrough point of finance. , and gradually expanded into many fields such as the real economy, government affairs and people's livelihood.

The core value of blockchain for the real economy is to promote efficient collaboration between upstream and downstream industries and improve the efficiency of industry-finance integration. In the early stages of development, the blockchain application model mainly focused on the storage of documents, contracts, etc. At this stage, blockchain industry applications are gradually moving towards automated collaboration and value interconnection such as government data sharing, supply chain collaboration, and cross-border trade.

2020 is the warm-up for 2021. In 2021, the use of blockchain, distributed ledgers, and smart contract tools will continue to grow as it did in 2020. With the continuous deepening of blockchain technology, the foundation of the blockchain industry will become better and better, the industrial ecology will also develop rapidly, and the industrial chain will become increasingly widespread.

From the perspective of industrial structure, the blockchain industry is mainly divided into four parts: underlying technology, platform services, industrial applications, and peripheral services.

The first three parts show a relatively obvious upstream and downstream relationship. The underlying technology part provides the necessary technical products and components of the blockchain respectively. The platform service part builds an area that can run corresponding industry applications based on the underlying technology. The industrial application part of the blockchain platform mainly uses blockchain technology to develop industry applications based on the actual scenarios of various industries and realize the innovation of business collaboration models within the industry.

The peripheral services part provides supporting services to the industry, including industry organizations, market research, standard formulation, system evaluation and certification, industry media, etc., to provide impetus for the development of industrial ecology.

Among them, as far as the industrial application of blockchain is concerned: Blockchain is the innovative development result of information technology, and it is also the main booster for the reconstruction of business processes and the innovation of industrial interaction models in various industries.

Blockchain has gradually expanded from digital finance to supply chain finance, product traceability and other fields. It has now been explored and applied in government affairs, people's livelihood, industrial management and other industries, and its application scenarios are becoming increasingly rich.It shows a trend of deep integration and development with other industries.

At present, domestic enterprises are focusing on the development of applications related to serving the real economy and improving government affairs and people's livelihood. Among them, supply chain finance and product traceability have accounted for half of all applications. Others, such as government affairs and people's livelihood, have become the future of manufacturers. Key layout areas are about to experience explosive growth.

After blockchain investment cooled down in 2020, the blockchain industry may begin to gradually become more rational in 2021. However, a relatively complete industrial chain and active market entities provide a good foundation for the integrated development of the blockchain industry. The blockchain industry will also show a positive development trend in terms of policy support, ecological construction, platform services, application implementation, and integrated innovation.

『8』 What is the connection between digital renminbi and the blockchain industry?

Digital renminbi is a legal currency issued in digital form by the People’s Bank of China. It is operated by a designated operating agency and is open to the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, which is equivalent to banknotes and coins, has value characteristics and legal compensation, and supports controllable anonymity. The RMB is a legal currency in digital form; equivalent to banknotes and coins, the digital RMB is mainly positioned at M0, which is cash and coins in circulation.

It is used to ensure the security of data transmission and access. There are many such transfer parties in the blockchain network system. Each of them has an account book in his hand. Once the transfer process is successful, the blockchain network will broadcast your transfer to everyone in the system, and everyone will record it. It can be said that everyone is a boss. We work together to protect the reliability and security of the entire system. Therefore, the integrity, authenticity, and security of the data are ensured.

『玖』 What kind of disruption has blockchain brought and why can it become a national strategy?

The disruptive characteristics of blockchain lie in the following four aspects: 1. Transparency. The data records of the blockchain system are transparent to the entire network nodes, and the update operations of the data records are also transparent to the entire network nodes. This is the basis for the trust of the blockchain system. Since the blockchain system uses open source programs, open rules and high participation, blockchain data records and operating rules can be reviewed and traced by nodes throughout the network, with high transparency.
2. Openness. The blockchain system is open. Except for the private information of the parties directly related to the data, which is always encrypted, the blockchain data is open to everyone (except for blockchain systems with special permission requirements). Anyone or participating nodes can query blockchain data records or develop related applications through public interfaces, so the entire system information is highly transparent.
3. Information cannot be tampered with. Once the information of the blockchain system is verified and added to the blockchain, it will be permanently stored and cannot be changed (except for systems such as private blockchains with special change requirements). Unless more than 51% of the nodes in the system can be controlled at the same time, modifications to the database on a single node are invalid, so the blockchainThe data stability and reliability are extremely high
4. Decentralization. Decentralization is the most basic feature of blockchain, which means that blockchain no longer relies on central processing nodes and realizes distributed recording, storage and updating of data. In a traditional centralized network, attacking a central node can destroy the entire system. However, in a decentralized blockchain network, attacking a single node cannot control or destroy the entire network or more than 5% of the nodes in the network. It's just the beginning of gaining control. 2019 is the first year of commercial application of blockchain technology, and favorable policy incentives will make the development of blockchain technology more stable.
As the application of blockchain technology gradually penetrates into many fields such as digital finance and the Internet, everyone has a clearer understanding of the value of blockchain.
Blockchain has formed a global competition situation. All countries are seizing development opportunities, and China cannot lag behind; therefore, it is understandable that blockchain has become a national strategy.