区块链金融违法吗,区块链的兴起会对未来金融造成什么影响?

㈠ What are the prospects of blockchain finance?

1. In fact, the combination of blockchain technology and finance is not accidental. Simply put, blockchain is a distributed shared ledger and database, which has the characteristics of decentralization, non-tampering, full traceability, and traceability. Finance is cooperation based on trust, and these characteristics of blockchain lay the foundation for creating trust. Blockchain technology is of great significance in solving problems in the financial field such as high credit risk, low efficiency of capital use, and high payment processing costs.

2. From a practical perspective, Bitcoin is not equal to blockchain. Digital currency is only one of the applications of blockchain technology in the financial field. In the fields of supply chain finance, payment and clearing, trade finance, financial transactions and other fields, "blockchain +" has rich application scenarios and imagination space.

3. Industry insiders pointed out that although blockchain technology has The application prospects are broad, but there are currently only a few projects that have actually been implemented in Suisui and have produced social benefits. Blockchain technology is in the early stages of development and still needs to be viewed rationally. The next step is to use blockchain technology to explore digital economic model innovation. Add impetus to the optimization of the business environment and provide support for promoting high-quality economic development.

(ii) Is it still far from foreign banks experimenting with "blockchain technology" to subvert the financial industry

Although Blockchain technology has many benefits, but it also prevents financial institutions from making profits by reinvesting during the capital turnover period. This is why many financial institutions are on the sidelines.
In China, the same topic is also It is continuing. On January 20, 2016, the Digital Currency Seminar of the People's Bank of China announced the initial results of digital currency research and stated that the central bank is exploring the issuance of digital currency, and blockchain technology is the core behind it.
In the future, we feel that not only digital currencies, but also blockchain technology will play a huge role in crowdfunding, P2P, securities and other fields, playing the role of "subversive".
However, many applications have already appeared in the world Promising blockchain applications, such as Ethereum and decentralized content publishing platform DECENT.

㈢ What impact does blockchain technology have on financial infrastructure

Blockchain Technology uses a decentralized mechanism to exchange value, which will lead to earth-shaking changes in the existing financial infrastructure characterized by centralization.

Collateral, Collateral, stocks, bonds, derivatives and other assets usually require a trustworthy core institution to register or keep them, but blockchain can record and save the data of these products in a new way, which will have a great impact on the performance of these products. The registration system has an impact.

The blockchain can receive and respond to information and value through smart contracts, automatically complete the transfer of value, and automatically complete transactions, clearing and settlement, which will impact the existing large-scale Amount trading system, securities depository, securities settlement and OTC derivatives trading, etc.Existing financial infrastructure.

㈣ Thoughts after reading "Blockchain: From Digital Currency to Credit Society" by Chang Chai and Han Feng

You may not know Chang Chai, but you should have heard of Zhihu God’s prophecy: The story of Chang Chai’s suggestion to buy Bitcoin. Question posted on Zhihu on December 21, 2011: A junior student has 6,000 yuan on hand. What good financial investment advice do you have? Changchai replied: "Buy Bitcoin and save the wallet file, then forget that you ever had 6,000 yuan, and look at it again in 5 years." ”

It is precisely because of this divine reply that Chang Chai has gained countless fans. With Chang Chai’s precision and unique vision, coupled with his status as a well-known science fiction writer, in the eyes of ordinary people, he looks like God-like existence.

If you plan to have a more systematic and in-depth understanding of blockchain, reading this book is a good choice. Blockchain technology appeared earlier than Bitcoin, but it was Attention. Blockchain technology is expected to show its talents, especially in the financial field: because the blockchain is non-tamperable, it is expected to further solve the problem of high credit costs in today's society; there are also various innovative Defi projects that have been particularly popular recently, hoping to use the blockchain Blockchain technology is used to change the pawnshop thinking of traditional finance, use technical solutions to solve credit problems, and improve the utilization rate of funds. The author proposes that blockchain is not the revolution of traditional finance. The two should cooperate with each other and learn from each other's strengths. Now the domestic center Digital payment is efficient, convenient and low-cost. However, when it comes to international settlement, it can only be done through the SWIFT organization, which is time-consuming and costly. For ordinary people, they need to open an account in the destination country first. For example, Ripple and BTC It is much more convenient and faster.

㈤ Which industries will disappear due to blockchain technology?

The disappearance should be temporary, just like newspapers are still there after the emergence of Internet news. However, new technologies will definitely have a certain impact or even impact. Blockchain may have an impact on the following 12 industry areas:
1. Banking industry
As a digital, secure Interference-proof accounts, blockchain realizes the core function of the banking industry: a safe storage and transfer center of value. In other words, in the next few years, a wave of companies based on blockchain technology may affect the banking industry . Indeed, Swiss company UBS and British Baeclays are both trying to use blockchain technology to improve payment conditions. Some other companies in the banking industry even say that blockchain technology can save US$20 billion in intermediate fees.

Therefore, it is not surprising that banks as financial services giants have become a growth force in investing in blockchain startups. Capital One invests in corporate blockchain startup Chain (pictured above)
2. Payment and Transfer
Recently, the World Economic Forum wrote in Forbes magazine that decentralized payment technology—such as Bitcoin—may change the “business structure” that has not changed in the transfer industry for more than 100 years. BlockchainTechnology can avoid complicated systems and create a more direct payment process between payers and payees. Whether it is domestic transfers or cross-border transfers, this method is low-cost and fast, and does not require intermediate handling fees. . Abra (pictured above) is a startup that uses blockchain technology to conduct global Bitcoin and blockchain-based transfers.
3. Network Security
Although the blockchain system is public, its verification, sending and other data exchange processes use advanced encryption technology. This technology not only ensures the correct source of data, but also ensures that the data is not intercepted during the process. If blockchain technology is more widely used, the probability of being attacked by hackers may also decrease, so people believe that blockchain systems are more stable than traditional systems. One of the reasons why blockchain systems can reduce traditional network security risks is that they eliminate the need for middlemen.
“Eliminating the middleman not only reduces the potential security risks of hacker attacks, but also reduces the possibility of corruption,” Goldman Sachs wrote. Guardtime (pictured above) is an Estonian startup that specializes in industrial-grade network security solutions based on blockchain technology.
4. Academic records and academia
Holbertson School, a California software skills project, announced that it will use blockchain technology to authenticate academic certificates. This move will ensure the authenticity of course identification for Holbertson School students. If more schools adopt this kind of transparent academic certificates, transcripts and diplomas, corruption in academia will be greatly reduced, not to mention the saved manual verification time and paper document costs.
5. Elections
At West Virginia University, the student union is considering whether to use a voting platform based on blockchain technology to conduct school elections. Using such a platform, students would be able to vote using their mobile devices, and since the results would be counted in a public system, voting would be completely secure. One student who supports this approach explained that your votes “can never be modified or deleted by us, the programmers, school administrators or students.”
A Spanish software project, used by Agora Voting Using encryption technology to improve the security of online voting, several of their systems are also being trialled in Spain. Recently, leaders of this project have proposed several ideas for converting Bitcoin and blockchain technology into voting applications, although these ideas are far from experimental.
6. Car rental and sales
Late last year, Visa and DocuSign announced a cooperation plan to use blockchain technology to create a specific solution for car rental. In the future, car rental only needs to "click and sign" , open" can be completed in three steps. The specific operation is: the customer selects the car he wants to rent, and then the transaction will be uploaded to the public account of the blockchain; then, the customer signs a rental agreement from the driver’s seat.When negotiating and insurance agreements, the blockchain will upload the information in real time. It is not difficult to imagine that this leasing model may also be used in the field of car sales and car registration.
7. Network communications and the Internet of Things
IBM and Samsung are working together to realize an idea called ADEPT. ADEPT uses blockchain technology to create the backbone of the decentralized Internet of Things. CoinDesk said that with ADEPT, a decentralized p2p automatic telemetry system, the blockchain can become a public system for many devices, and there is no need for a central hub to mediate the communication of various devices. After the central control system recognizes each other, devices can automatically communicate with each other and manage software updates, bugs, or energy consumption.
A number of other companies are also working on integrating blockchain technology into IoT platforms. For example, Filament, which uses blockchain technology to build a decentralized network for sensors to communicate with each other, announced that they have received US$5 million in Series A financing, with participation from Verizon Ventures and Samsung Ventures.
8. Smart Contracts
A smart contract is actually a computer program that functions on the actions of another object. Like ordinary computer programs, smart contracts are also an "if-then" function, but blockchain technology enables the automatic filling of these "contracts" without manual intervention. Such contracts may eventually replace the legal industry's core business of drafting and managing contracts in both commercial and civil areas.
For example, mortgage loans can be completed through blockchain technology and automatically executed every year according to the terms of the contract. Ethereum, a crowdfunding platform built using blockchain technology, not only provides decentralized applications but also smart contracts, and users have already gotten married using their smart contracts. Another company, Hedgy, received $1.2 million in seed round investment from Tim Draper, Marc Benioff, Boost.vc and Sand Hill Angels earlier this year. This company uses smart contracts to create a platform that supports users to negotiate the value of Bitcoin. .
9. Prediction
Blockchain technology may shake up the entire research, analysis, consulting and forecasting industry. Online crowdfunding platform Augur hopes to make profits on a decentralized prediction platform. The company says it will offer a service that looks like a betting swap. The entire process will be decentralized, and the Augur platform will not only provide users with sports and stock betting services, but also election and natural disaster betting services. The idea actually goes beyond sports betting and creates a “prediction market.”
10. Online Music
Many musicians are choosing blockchain technology to improve the fairness of online music sharing. Billboard reports that two companies are currently paying artists directly and leveraging smart contracts.Automatically resolve licensing issues. PeerTracks, which is still in its development stage, wants to create a new music streaming platform where users can pay artists directly without the involvement of middlemen. PeerTracks also hopes to create more direct interactions between artists and users.
Ujo Music, led by entrepreneur Phil Barry, claims that they are rebuilding the music industry on the blockchain. Ujo also hopes to solve the problem of streaming music and paying artists. In addition to streaming music, it is also envisioned that by using smart contracts as an autonomous brain for song listings, Ujo will be able to better classify the artists and creators behind the songs.
11. Trip Sharing
Travel applications such as Uber seem to be on the opposite side of decentralization. The company is like a dispatch center, using its algorithms to control its drivers and driver charges. According to Bloomberg, Israeli startup La'Zooz wants to "do the opposite of Uber." The company has invented its own patented digital currency that, like Bitcoin, can be digitally recorded using blockchain technology. Unlike using a centralized network to hail a ride, users can find people with similar itineraries on La'Zooz and then pay for the ride in La'zooz currency. The coins can be used when requesting a ride in the future, and users can earn La'Zooz's digital currency simply by allowing the app to track their location.
12. Stock Trading
For many years, companies have been looking for ways to simplify the process of buying, selling and trading stocks, and emerging blockchain technology startups believe they can go beyond the past and automate the entire process. Improve safety and efficiency. TØ.com, a subsidiary of Overstock, wants to use blockchain technology to enable online trading of stocks. Wired reports that Overstock is already using blockchain technology to issue public shares. At the same time, blockchain technology startup Chain (mentioned above) is joining forces with Nasdaq to implement share transactions in private companies through blockchain technology.

㈥ What is the blockchain that is impacting the financial industry?

The principle of blockchain has been talked about by many people recently. Blockchain has obviously been used by many It seems that blockchain technology can be used in all walks of life, but to a certain extent, it is like a black box. Everyone knows that blockchain has many features and benefits, but they don’t know how it does it. In fact, as long as you understand the principles of blockchain, you don’t have to be so hesitant.

Blockchain is not a single innovative technology, but brings together many cross-field technologies, including cryptography, mathematics, algorithms and economic models, combined with peer-to-peer network relationships, using mathematical foundations to It can build trust and become a trust-based network that does not need to be based on mutual trust or dependence.It relies on a decentralized system that can be operated by a single centralized institution, and Bitcoin is the first P2P electronic cash system to use blockchain technology to achieve decentralization and ensure transaction security. A digital currency system that is secure and traceable.

However, how exactly does the blockchain work, and what key technologies does it contain, making it called a trust machine? In the P2P network, can transaction verification be completed without going through traditional trust institutions (such as banks, stock exchanges, third-party institutions and other centralized institutions)?

To understand the operating principle of the blockchain, you can first distinguish between the two parts of the transaction (Transaction) and the block (Block). Here we start from the generation of a transaction in the blockchain to the completion of verification. The process and diagram of a block to understand the operating principle of the blockchain, and further dismantle the five key blockchain technologies to see how it can achieve what everyone calls a zero-trust foundation, decentralization, and traceability It cannot be tampered with.

Looking at the blockchain operation process from a transaction

In the Bitcoin blockchain, when a transaction is generated through a certain node or wallet, the transaction Needs to be sent to other nodes for verification. The method is to encrypt the transaction data with a digital signature and use the Hash function to obtain a unique hash value representing the transaction, and then broadcast this hash value to other participating nodes in the Bitcoin blockchain network for verification. .

Generate a new transaction

When a new transaction is generated, it will first be broadcast to other participating nodes in the blockchain network

Each node will put several new transactions into the block

Each node will collect several unverified transaction hash values ​​into the block, and each block can contain hundreds or thousands of transactions. Transactions

Determine who can verify these transactions

Each node performs proof-of-work calculations to determine who can verify the transaction, and the node with the fastest calculation result will verify the transaction. , this is how to achieve consensus.

The node that obtains the verification right will broadcast the block to all nodes

The node that completes POW the fastest will broadcast its block to other nodes
< br />Each node verifies and connects the new block

Other nodes will confirm whether the transaction contained in this block is valid, confirm that it has not been repeatedly spent and has a valid digital signature, and then accept the block , at this time the block is officially connected to the blockchain, and the data can no longer be tampered with.

Transaction verification completed

Once all nodes accept the block, the previous blocks that have not completed the POW work will become invalid.Each node will re-create a block and continue the next POW calculation.

It can be seen that the principle of blockchain is not complicated, and its wide application is natural. There are many companies that have achieved fruitful results in applying blockchain principles to reality. Bubi Company is a leading blockchain service provider in China. It has made many breakthroughs in blockchain technology platforms and can meet the needs of tens of millions of people. level user-scale scenarios, and has the ability to quickly build upper-layer application services. Bubi blockchain platform is divided into basic framework layer (BubiChain) and application adaptation layer (Bubi Application Adapters).

㈦ What is blockchain technology and how does it affect the financial and monetary system?

What is blockchain technology and how does it affect the financial and monetary system? "Cratonic Destruction and Terrestrial Biological Evolution" led by Zhou Zhonghe, an academician of the Chinese Academy of Sciences and a researcher at the Institute of Vertebrate Paleontology and Paleoanthropology, Chinese Academy of Sciences, became one of the first three projects to receive this funding in 2016. He told China News Weekly that the project's funding management is relatively loose, but the problem is that this kind of project is too scarce. Although this is a model of stable support, it is still essentially a type of competition. Very strong project. Zhuang Ci also believes that the proportion of support for such projects is very small and is still targeted at a very small number of people. The competition has become increasingly fierce. "When eating barbecue in Jinzhou, 70% of people come here to drink and relieve stress. For example, the guy who came last night showed off eight bottles of Harbin beer while having barbecue. Their children earn more than 2,000 a month, which is better. The houses are only 7,800 to 8,000 square meters. Even if the family pays for the down payment, the children will have a hard time paying off the mortgage. Not only the parents are worried, but the children themselves are also anxious." said Brother Li, who opened Qiechun BBQ restaurant in Jinzhou.

㈧ Why finance should stay away from blockchain technology

From the history of human technological development, real technological innovation is often doubted in the early stages, even if it is love This is true of Einstein's theory of relativity. However, blockchain does not seem to have experienced this kind of scientific doubt. Instead, it has been hyped since the concept was launched. However, several years have passed since its launch, and people have not heard of any country or company that has really used blockchain technology to solve practical problems and create new value. If a technology has few actual implementation effects, but many people say it is good, it cannot be ruled out as speculation.

Currently, my country's prevention and control of systemic financial risks has entered a new stage. Time is tight and tasks are heavy. However, whether it is to improve financial efficiency or to prevent and control financial risks, blockchain Not necessarily a good helper. In this sense, in order to prevent emerging financial risks, it is best for blockchain to stay away from finance.

Content source Economic Daily

㈨ Will blockchain cause banks to disappear?

Blockchain will not cause banks to disappear. Blockchain will only to improve the bank's operations.
Currently, some well-known financial institutions around the world have begun to pay attention to blockchain and have made correspondingresearch and development. But banks will only use blockchain and will never let blockchain replace themselves.
The underlying technologies of Bitcoin, Ritecoin, and Litecoin are all blockchains, but no one can replace banks.

㈩ Is blockchain useful? What is the impact and prospects of blockchain?

I believe everyone is no longer unfamiliar with the emerging technology of blockchain, because this is the current The most popular topic of Jiao Chun, many big guys in different industries are analyzing its role and prospects. Today we also do some research on the blockchain. Is the blockchain useful and what is the impact of the blockchain? and prospect analysis, I hope it can help everyone.
Is blockchain useful?
1. Banking: As a digital, secure and interference-proof account, blockchain realizes the core function of the banking industry: a safe storage and transfer center of value. In other words, in the next few years, a wave of companies based on blockchain technology may affect the banking industry.
2. Payment and transfer: Blockchain technology can avoid complicated systems and create a more direct payment process between the payer and the payee. Whether it is a domestic transfer or a cross-border transfer, this method has its advantages. Low price, fast, and no intermediate handling fees.
3. Network security: Although the blockchain system is public, its verification, sending and other data exchange processes use advanced encryption technology. This technology not only ensures the correct source of data, but also ensures that the data is not intercepted during the process. If blockchain technology is more widely used, the probability of being attacked by hackers may also decrease, so people believe that blockchain systems are more stable than traditional systems. One of the reasons why blockchain systems can reduce traditional network security risks is that they eliminate the need for middlemen.
4. Election: Everyone's vote "can never be modified or deleted by us - programmers, school administrators or students."
5. Smart contract: Smart contracts are actually on another object. A computer program that performs functions on the go. Like ordinary computer programs, smart contracts are also an "if-then" function, but blockchain technology enables the automatic filling of these "contracts" without manual intervention. Such contracts may eventually replace the legal merger industry's core business of drafting and managing contracts in both commercial and civil areas.
6. Stock trading: For many years, companies have been trying to simplify the process of buying, selling and trading stocks. Emerging blockchain technology startups believe they can go beyond the past, automating the entire process, improving security and efficiency.
What impact and prospects does blockchain have?
1. The dual impact of bringing wealth and risk:
The difference between blockchain technology and traditional Internet technology is that it chooses the high-risk financial industry as the entry point, but the financial field is full of Areas with many obstacles. Such direct entry has a dual impact: on the one hand, it can bring wealth effects to entrepreneurs relatively quickly; on the other hand, various risks will also come directly and violently.
2. Improve efficiency and reduce costs:
For physical finance, blockchain can maintain the fidelity in the process of transmitting information, such as personal credit information and other data, thereby avoiding many transaction costs and improving large-scale Efficiency, this is the positive meaning it brings.
3. Control financial risks early and small:
Blockchain is cooperating with the innovation of digital currency, preventing over-insurance in the insurance industry, over-lending in bank mutual funds loans, and the integration of supply chain finance. , promote electronic identity recognition, etc., applicable to many industries and fields. In terms of financial security, many companies have also cooperated with regulatory authorities to build regulatory technology systems to help regulatory authorities monitor and provide early warning for the risks of Internet financial companies, so as to control financial risks early and at an early stage.
4. The owner of the data should be the user himself:
Blockchain is a technology worthy of attention, and it has relevant layouts in its own business and investment. Bitcoin and other electronic currencies are applications based on blockchain technology. They have certain currency functions and have certain use value. However, the main problem now is that the gap between the use value and the transaction price is too big. . ICO is a financing business model.
5. The darkest stage contains the most opportunities:
The darkest stage often contains the most opportunities. The application of blockchain is far more than just monetary and financial. For example, big data can be applied to the entire medical industry in the future. health field. If medical records and diagnosis data are shared to all different medical systems through the big data blockchain, the efficiency of treating diseases and saving lives can be greatly improved.
The editor believes that the correct development prospect of blockchain is to "talk less about financial innovation, focus more on financial security, focus more on inclusive finance, and do more on medical care, health, and environmental protection."
The above is the blockchain brought to you by the editor. Is it useful? What impact and prospects does blockchain have? of the entire content.