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⑴ Why is it that the digital currency issued by the central bank has been put into trial operation?

Recently, the central bank has made new progress in issuing digital currency. It is understood that the blockchain-based digital bill trading platform promoted by the central bank has been successfully tested. The legal digital currency issued by the central bank has been put into trial operation on the platform. After the Spring Festival, the digital currency research institute under the central bank will also be officially listed. This means that on a global scale, the People’s Bank of China will become the first central bank to issue digital currency and carry out real-world applications.

⑵ In which industries can blockchain technology be applied?

Cite a few examples of blockchain applications.

The biggest feature of blockchain technology is decentralization, and this feature will reduce a lot of costs for the banking industry.

First of all, decentralization means that intermediaries are no longer needed to establish trust mechanisms between banking systems, saving intermediary costs.

Secondly, the development of digital currency will make it possible to realize real-time digital transactions in banks. For example, in bill transactions, bank bill transactions have always relied on a third party to realize the transfer of valuable certificates. Even electronic bill transactions require interactive authentication through information from the central bank's ECDS system. Blockchain technology can realize point-to-point transfer of value and no longer requires centralized system control. This not only speeds up the speed of ticket transfer, but more importantly, it can reduce errors caused by human factors and reduce processes. Naturally, it will reduce the bank's demand for personnel and save the bank's labor costs.

Finally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by central clearing, which is inefficient. Settlement through blockchain technology will greatly improve the efficiency of banks.

Blockchain technology also plays a major role in banks’ cross-border payment services. Today, when global trade is highly developed, cross-border payments are becoming more and more frequent, and banks often act as third-party services in cross-border trade, such as electronic transfers, asset custody, etc. However, cross-border payments generally take about 2 days to arrive, which is very inefficient and reduces the utilization of funds in transit. In blockchain technology, both parties of cross-border payments can be completed in a point-to-point manner, achieving round-the-clock payment and real-time arrival, thereby speeding up clearing and settlement, thereby improving the efficiency of bank processing business.

Another feature of blockchain technology is de-risking. Banks can build their own blockchain, which can ensure that bank customers’ transaction information and transaction records are true and valid and will not be compromised. Without any tampering, the bank can effectively identify the customer's information, understand all aspects of the customer's situation, identify the customer's abnormal transactions, and prevent being deceived by the customer, thus reducing the bank's supervision costs.

Blockchain technology also has unparalleled advantages in the insurance industry.

From a data management perspective, insurance companies’ application of blockchain technology can effectively improveRisk management and control capabilities include two aspects: risk supervision of insurance companies and risk management of policyholders.

The application of blockchain technology in the insurance industry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operating processes of insurance companies on nodes, and can achieve in-process control over the company's capital flow, investment status, compensation payments and other businesses, and improve the company's risk management and control capabilities.

In addition, blockchain technology is safe, reliable, and cannot be tampered with at will, ensuring that the information obtained by the policy holder is true and effective, thereby enhancing the policy holder's risk management capabilities.

The application of blockchain technology in the securities industry can increase the flexibility of securities issuance.

Companies that issue securities can use smart contracts to set the method and time of securities issuance. In the most ideal situation, they can even issue securities 24 hours a day.

Under the operation of smart contracts, automatic matching of buyers and sellers is realized, and settlement and clearing steps are automatically completed through the distributed digital registration system. The transaction records on the blockchain will not be changed arbitrarily, so the entered information actually has a publicity effect, so there will be no dispute in the stock exchange's ownership confirmation.

In addition, blockchain technology makes the securities trading process more open and transparent. Through blockchain technology, the securities industry does not need core institutions to operate and manage, nor does it require investment banks to underwrite, to achieve true point-to-point transactions, reduce illegal activities such as black-box operations and insider trading in securities transactions, and realize the control of securities. Effective supervision of the industry.

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

Assets such as collateral, pledges, stocks, bonds, and derivatives usually require a trustworthy core institution to register or keep them, but blockchain can record and save these in a new way. Product data will have an impact on the registration system for these products.

Blockchain can receive and react to information and value through smart contracts, automatically complete the transfer of value, and automatically complete transactions, clearing and settlement, which will impact existing large-amount trading systems and securities Existing financial infrastructure such as depository, securities settlement and over-the-counter derivatives trading.

The application of blockchain technology in the supply chain first provides credit guarantee. The blockchain records the circulation information of commodities, etc., which can prove the true reliability of commodities and their circulation, thus enabling A comprehensive evaluation of the utility of enterprises on the chain has become an effective guarantee for corporate bank loan credit, financing credit, and transaction credit.

First of all, the blockchain can time-stamp all the transaction data in the supply chain and cannot be tampered with at will. Even if the transaction data of a certain node can be tampered with, it cannot cover the sky with one hand, so the area Blockchain solves banks’ concerns about corporate information being tampered with, which is important for someFor small and medium-sized enterprises, as long as their credit is good, the possibility of obtaining a loan from a bank will be greatly improved.

Secondly, through effective integration, the information between upstream and downstream enterprises recorded in the blockchain can not only provide support for enterprises in production, sales and other links, but also provide downstream enterprises with the ability to analyze customer preferences. , so that targeted services can be developed.

⑶ What changes will blockchain bring to the electronicization of bills?

First, it can identify the authenticity of electronic vouchers without worrying about being maliciously tampered with or forged.
Second, the third-party hosting model can effectively reduce the cost of enterprise system construction and operation and maintenance, and the method of querying and obtaining electronic vouchers from a credible third party provides a safe and reliable acquisition channel for enterprise users.
Third, solving the trust bottleneck faced by the data storage industry will help business development.
Fourth, electronic vouchers can be traced by recording electronic voucher summaries and circulation records to meet the needs of business supervision and review.
Deepin Bill Network and Xingye Digital Finance launched the bill witness system, which provides solutions to possible risks in electronic bill transaction scenarios. The ticket payment witness is the DVP of the ticket transaction between enterprises, which adopts the transaction model of "pay first and then endorse", that is, the buyer first transfers the money to the Industrial Bank's special fund custody account, the seller confirms that the funds have been received, and then endorses, and the Industrial Bank system verifies the electricity. Funds will be released after the ticket is successfully signed. During the entire transaction process, Deepin Bill Network only provides safe, efficient and convenient services and does not touch funds and electronic tickets to ensure the safety of funds and electronic tickets.

⑷ What is the current status of blockchain on bills across the country

Blockchain has developed rapidly in 2020, and many applications have been implemented. Only Ant Financial has implemented blockchain technology. There are already more than 40 application scenarios, covering scenarios such as commodity traceability, public welfare traceability, cross-border remittance, supply chain finance, and electronic bills. With the continuous breakthroughs in blockchain application scenarios, bills in supply chain finance, cross-city travel, charity fundraising and other fields have also ushered in the era of comprehensive blockchainization. Blockchain technology can solve the trust problem. Blockchain electronic bills are replacing paper invoices, and blockchain electronic bills are being rolled out across the country. Crypto Finance mimacaijing, focusing on blockchain information.

⑸ What is blockchain electronic invoice

Blockchain electronic invoice is an electronic invoice that uses blockchain technology. Using blockchain electronic invoices, operator Jianqiao can realize invoice application, issuance, inspection, and accounting on the blockchain; consumers can implement operations such as storage, transfer, and reimbursement on the chain; blockchain electronic invoices have the entire process Features such as complete traceability and non-tamperable information are consistent with the invoice logic, which can effectively avoid fake invoices and improve the invoice supervision process. It also has the advantages of reducing costs, simplifying processes, and ensuring data security and privacy.
Traditional tax electronic invoices require anti-counterfeiting tax control equipment and the tax authorities to build a third-party platform, which increases the operating costs of enterprises and tax authorities. Blockchain electronic invoices avoidThe establishment of a third-party platform also strengthens the tax authorities' management of corporate invoice information.

⑹ Application of blockchain in the financial field

1. Application and development of blockchain

Some Internet, Internet start-ups and The traditional financial industry has begun to experiment with applications in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions are testing the waters one after another, and they are basically in the conceptual experimental stage. , has not yet been commercialized on a large scale.

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

Bills are an important financial product in the financial market. They have dual functions of payment and financing. They are of high value and bear bank credit or commercial credit. Once a bill is issued, its face amount, date and other important information cannot be changed. Bills also have circulation attributes and can be accepted, endorsed, discounted, rediscounted, collected and other transactions within a specific life cycle. Once the transaction is completed, the transaction cannot be revoked. There are two characteristics in the circulation of bills: First, the circulation of bills mainly occurs through bank acceptance bills, and the number and circulation of commercial acceptance bills are small; second, each bank independently conducts credit granting and risk control on the bill business, and a single bank's Risk control results may affect other participants in the bill market transaction chain.

The experimental production system of the digital bill trading platform uses SDC (Smart Draft Chain) blockchain technology to protect privacy through cryptographic algorithms such as homomorphic encryption and zero-knowledge proof. The Byzantine Fault Tolerance Protocol (PBFT) performs consensus and uses a see-through mechanism to provide data monitoring.

The experimental production system includes four subsystems: stock exchange, bank, enterprise and monitoring: the stock exchange subsystem is responsible for managing the blockchain and monitoring the digital bill business; the bank subsystem has Digital bills have business functions such as acceptance and receipt, discount signing, rediscounting, and collection and repayment; the enterprise subsystem has business functions such as issuance, acceptance, endorsement, discounting, and prompt payment of digital bills; the monitoring subsystem monitors the status of the blockchain in real time and business happenings

6.