2020粤港澳大湾区区块链应用研讨会,粤港澳大湾区区块链联盟成立

① It’s 2021, what will be the development trend of my country’s blockchain technology in the future?

Domestic blockchain technology has been conceptualized a few years ago, and now it has It has been widely used in actual business scenarios, such as the rice we eat, and the QR code on the packaging
Traceability is the application of blockchain technology. Companies like Shanghai Wanglian Technology entered the market earlier and are currently developing very well.

② The world's first Internet of Vehicles blockchain IOV Blockchain was officially open sourced globally in Huangpu, China

On January 14, 2020, Beijing time, Guangdong Zhongke Intelligent Blockchain Technology Co., Ltd. The company successfully held the global open source of the underlying technology of the Internet of Vehicles blockchain and the launch conference of the ecological service system in Huangpu, Guangzhou, and released the underlying technology platform of the Internet of Vehicles blockchain IOVBlockchain to the world. With the MDPoS algorithm and cross-chain technology, it has officially become the fourth generation. The representative platform of blockchain algorithm technology ranks among the top ten blockchain underlying technology platforms in the world. In just two months after Zhongke settled in Huangpu, the number of blockchain technology patent applications has reached 11.2% of the number of applications filed by the People's Bank of China, and 1.3% of Alibaba, the world's largest blockchain technology patent application company, has become Guangzhou The Huangpu blockchain industry was successfully incubated and became the backbone of global blockchain technology competition. Zhongke Company, Guangzhou Intelligent Connected Vehicle Demonstration Zone Operation Center, and Jumbo Bus Group signed a tripartite agreement on blockchain technology application cooperation at the press conference, becoming another important scenario for blockchain technology application in Huangpu District.

The technical infrastructure route in the development process of the blockchain industry is particularly important, including core content such as underlying algorithm capabilities, open source service capabilities, ecosystem development capabilities, industry standardization processes, and digital chip industry applications. After long-term scientific research and incubation, Zhongke has completed the open source of the underlying blockchain algorithm and launched an ecological service system. In 2020, it will start the standardization construction of the Internet of Vehicles blockchain and the design and development of digital chips. The launch of IOV Blockchain’s open source and ecological services marks that the underlying technical strength of China’s blockchain is changing the competitive landscape of the new generation of global information technology. In terms of underlying technology and business ecology, as one of the core technology representatives of blockchain, it leads China’s blockchain industry and become a Chinese force participating in global competition.

This press conference received the guidance of Guangzhou Huangpu District Industry and Information Technology Bureau and Guangzhou Blockchain Industry Association, Guangdong-Hong Kong-Macao Greater Bay Area Blockchain Alliance, BLOCKCHAIN728, and Guangdong Automotive Supplies With the support of the Chamber of Commerce and the Internet of Vehicles Branch, more than 100 representatives from industry organizations and core blockchain companies attended the press conference and participated in technology docking activities.

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.

③ WeBank: Embracing the construction of the Guangdong-Hong Kong-Macao Greater Bay Area and empowering financial services with technological innovation

A few days ago, the CCPThe Central Government and the State Council officially issued the "Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area", marking the rise of the construction of the Greater Bay Area to a national strategic level. If the Guangdong-Hong Kong-Macao Greater Bay Area wants to become a leading bay area in the world, it cannot do without the power of technological innovation. It shoulders the historical responsibility of building a new highland for our country's innovative development and leading and driving the Pearl River Delta region to take the lead in realizing innovative transformation.

Shenzhen is located in the central city of the Guangdong-Hong Kong-Macao Greater Bay Area. Its technological innovation capabilities and overall financial industry development level rank among the top cities in the Guangdong-Hong Kong-Macao Greater Bay Area. Technology and financial elements are closely integrated. As the first Internet bank approved to open in the country, WeBank was born in this innovative and creative city. Since its establishment, WeBank has been committed to the construction of financial technology and actively explored the financial applications of artificial intelligence (AI), blockchain, cloud computing, big data and other technologies. Give full play to the positive role of financial technology in empowering the real economy and promoting the development of inclusive finance.

"ABCD" pioneered the way, ranking fifth in the world with 104 patents in the year

The integration of technology and finance can deeply drive financial innovation in the banking industry and actively promote economic growth and social development. develop. At the beginning of its establishment, WeBank established the corporate vision of "technology, inclusiveness, and connection" and elevated the "ABCD technology strategy" to the height of the bank's development strategy, hoping to use technology to explore a safer, more A more efficient and smarter Internet banking service model serves markets currently not covered by the traditional financial industry and fulfills the original intention of inclusive finance. It is reported that in the four years since its opening, WeBank has invested more than 1 billion yuan in information technology, biotechnology and financial technology, and the bank's scientific and technological personnel have always maintained more than half of the total number of employees.

Relying on innovative construction methods of open source technology and distributed architecture technology platform, WeBank has successfully built a fully independent and controllable banking core system that can support hundreds of millions of customers and highly concurrent transactions. At present, WeBank has built 253 key systems and 1,223 subsystems. It was selected into the 10 major financial informatization events of the People's Bank of China in 2015, and won the first prize of Shenzhen Financial Innovation Award for two consecutive years in 2016 and 2017. It is understood that the number of patent applications publicly filed by WeBank in 2018 has ranked fifth in the world and third in China, with 104 patent applications throughout the year.

The construction of the Guangdong-Hong Kong-Macao Greater Bay Area is a new attempt in the new era to promote a new pattern of comprehensive opening up. If the financial technology companies involved want to occupy a place in the fierce competition environment, the key lies in "open cooperation". WeBank has always implemented the "three major open strategies" in terms of financial technology: First, open platforms provide financial capabilities to partners through APIs, SDKs, etc. The second is to follow the technological trend of open source and through open source and open softwareway to open up its own scientific and technological capabilities to the market. The third is open collaboration, including collaboration with financial peers, especially collaboration with financial institutions in the "9+2" city cluster in the Greater Bay Area, as well as collaboration with industries, so that finance can truly serve the real economy.

Strengthen financial technology capabilities and empower financial services

Financial technology is inseparable from the four major sectors of artificial intelligence, blockchain, cloud computing, and big data. On the one hand, WeBank has increased investment in science and technology and strengthened its financial technology capabilities; on the other hand, in conjunction with its "three major opening strategies", WeBank has carried out multi-level cooperation with other financial institutions and non-financial institutions to empower financial services. Strive to form an industry joint effort to promote the reform of the financial services industry, gain new competitiveness, and touch the future development of the banking industry.

As a purely online innovative bank, WeBank has no business outlets or teller staff. In order to solve problems such as customer identity authentication and customer service, WeBank applies artificial intelligence and biometric technology to remote customer identity authentication, intelligent customer service and other fields, and builds innovative products and services with WeBank characteristics. In terms of intelligent customer service, WeBank launched the intelligent cloud customer service "Weijin Xiaoyun", which is trained through deep learning models. Currently, an intelligent robot (Quote 300024, stock diagnosis) can replace 400 manual customer service personnel, and 98% of customer service services are completed by intelligent cloud customer service, which not only effectively supports massive customer needs, but also greatly saves labor costs.

In the development process of artificial intelligence, it will also face a series of new problems. The most typical example is the "data island" problem. If this problem is not solved for one day, it may inhibit the long-term development of the field of artificial intelligence and cause serious business consequences. In response to the above problems, Professor Yang Qiang and WeBank have put forward a systematic and general solution based on "federated learning" after many efforts, which can solve the problem of joint modeling between individuals (to C) and between companies (to B). Recently, WeBank also took the lead in hosting the first meeting of the IEEE P3652.1 (Federated Learning Infrastructure and Applications) Standard Working Group. The IEEE P3652.1 project is the first international standard in the field of federated learning. In the future, "federated learning" is expected to break down data barriers in various fields and industries, and implement the dividends brought by artificial intelligence to every corner of society.

WeBank has also been at the forefront of the industry in the application of blockchain. Blockchain has attributes including distributed architecture, consistency, consensus mechanism, encryption algorithm, etc. Since its establishment, WeBank has invested resources in developing blockchain and distributed ledger technology, and built a self-developed distributed banking core architecture to handle massive customers and highly concurrent transactions. In May 2016, WeBank, together with several institutions, launched the Financial Blockchain Cooperation Alliance (Shenzhen) to promote the research and development and application of blockchain technology. In the same year, together with Shanghai Huarui Bank, we launched an alliance-basedThe chain's inter-institution reconciliation platform is also the first domestic banking alliance chain application scenario running in a production environment, and is dedicated to solving the problem of high reconciliation costs among financial institutions. Recently, WeBank also signed a cooperation agreement with the Macau government to establish the Macau Science and Technology Development Fund, which will use innovative technologies such as blockchain as the main fulcrum to strengthen the scientific and technological innovation capabilities of the Special Administrative Region, promote the development of smart cities, and further implement the concept of technology benefiting people's livelihood. Wellbeing Measures.

In-depth integration of industry, academia and research to ensure continuous technological innovation capabilities

To continue to maintain technological innovation capabilities, cultivating financial technology talents that meet needs has become the key. WeBank attaches great importance to the in-depth integration of industry, academia, and research. In order to give full play to the advantages of Shenzhen’s local financial technology resources and introduce high-quality international education resources, WeBank teamed up with Shenzhen University to establish the Financial Technology Research Institute in 2018, with both parties jointly undertaking scientific research and develop projects, hire high-level researchers, and jointly cultivate master's, doctoral, and postdoctoral talents to promote teachers' basic research and development practice, students' scientific and technological innovation training, and enterprise technology project research, promote the deep integration of industry, academia, and research, and achieve a win-win situation for all parties.

In January this year, WeBank and Nanyang Technological University of Singapore co-founded the Singapore Fintech Joint Research Center, which will fully combine WeBank’s fintech innovation advantages and the scientific research of Nanyang Technological University, a world-class university of science and technology. Advantages, closely track the research and development and application of cutting-edge technologies in the field of financial technology, accelerate the industrialization and commercialization process of related technologies, vigorously cultivate a team of leading financial technology talents, and build a school-enterprise that links industry and profession, integrates teaching and scientific research, and combines theory and practice Cooperative mode.

WeBank has also conducted research cooperation with Xi'an University of Electronic Science and Technology, Institute of Computing Technology, Chinese Academy of Sciences, etc. in the fields of blockchain architecture, performance, security, consensus algorithms, cross-chain communication, etc., and also plans to use hardware computing Cutting-edge technologies such as acceleration and high-throughput virtual machines are applied to more financial scenarios to jointly create a new generation of high-throughput blockchain computing engines.

In terms of government cooperation, WeBank actively connects with the National Standards Committee, the Standards Institute of the Ministry of Industry and Information Technology, ISO/TC307, IEEE and other standard organizations, and is deeply involved in multiple blockchain-related international, national, industry and Formulation of group standards; in-depth cooperation with the blockchain research working groups of the Central Bank, Internet Finance Association, Payment and Clearing Association, Financial Information Committee and other organizations to carry out research on related topics.

Those who keep integrity and innovate will advance. WeBank will actively respond to the innovation-driven development strategy of the Guangdong-Hong Kong-Macao Greater Bay Area, use financial technology innovation to promote financial services to the real industry, and continue to use financial technology innovation methods to continue to enhance risk control capabilities, improve risk control levels, and improve service efficiency. Reduce financing costs, resolve corporate financing problems, support small, medium and micro enterprises, and promote the transformation and upgrading of real industries, thereby promoting high-quality development of the real economy.

④ The realistic foundation and development of establishing a digital renminbi international demonstration zone in the Guangdong-Hong Kong-Macao Greater Bay AreaSuggestions

Text/Liu Qingfu, Professor of School of Economics, Fudan University, Executive Director of Fudan-Stanford China Financial Technology and Security Research Institute

Li Zhen, School of Big Data, Fudan University, Zhuhai Fudan Innovation Research Institute Postdoctoral researcher, Institute of International Monetary Studies, Renmin University of China

This article is published in the 2022 issue 5 of "China Banking" magazine

Introduction: The Guangdong-Hong Kong-Macao Greater Bay Area explores the establishment of a digital renminbi international The demonstration zone will help promote cross-border digital renminbi cooperation and innovation in the Greater Bay Area, further optimize cross-border digital renminbi business, and provide more convenient cross-border financial services to residents of the mainland, Hong Kong and Macao. At the same time, by finding and applying application scenarios suitable for cross-border retail payments and improving the applicability of digital renminbi in the cross-border field, we can prepare for more scenarios and larger-scale digital renminbi cross-border payments in the future.

The Guangdong-Hong Kong-Macao Greater Bay Area is one of the regions with the highest degree of openness, the strongest innovation capabilities, and the most dynamic economy in China. It plays an important strategic position in the overall national modernization drive and all-round opening up pattern. Under the framework of "one country, two systems", the Guangdong-Hong Kong-Macao Greater Bay Area involves three currencies, three customs territories, three legal systems and three social systems. The level of financial market interconnection and the convenience of cross-border financial services need to be improved. This not only brings challenges to the Greater Bay Area in piloting digital renminbi, but also provides a major opportunity for the Greater Bay Area to establish an international demonstration zone for digital renminbi.

Currently, while digital renminbi meets the needs of mainland retail payments, it also has the technical conditions for application in the field of cross-border payments. The Guangdong-Hong Kong-Macao Greater Bay Area explores the establishment of an international digital renminbi demonstration zone, which will help promote cross-border digital renminbi cooperation and innovation in the Greater Bay Area, further optimize cross-border digital renminbi business, and provide more convenient cross-border financial services to residents of the mainland, Hong Kong and Macao. At the same time, by finding and applying application scenarios suitable for cross-border retail payments and improving the applicability of digital renminbi in the cross-border field, we can prepare for more scenarios and larger-scale digital renminbi cross-border payments in the future.

The realistic basis for establishing a digital renminbi international demonstration zone

The Guangdong-Hong Kong-Macao Greater Bay Area is a model of high-quality economic development and a highland for digital economic development. Guangdong Province is China's largest economic and populous province, reaching the level of a moderately developed country. Its provincial economic comprehensive competitiveness ranks first in the country. It is also the forefront of China's reform and opening up. It ranks first in the country in terms of total import and export volume and the amount of foreign investment attracted. first place. Hong Kong and Macao are both market-oriented mature developed economies and international free trade ports. They are highly integrated with Western countries in terms of economic operation, legal rules, social and government governance. Guangdong, Hong Kong and Macao are located in the same bay area. They have strong economic strength and strong attraction of innovation factors. At the same time, they have the same culture, close connections and complementary markets. They have basically formed a first-class bay area that is full of vitality and international competitiveness.Districts and world-class urban agglomerations have become a model for high-quality economic development in China. Therefore, the highly developed and open regional economy and the institutional mechanism for high-quality economic development provide an important economic foundation and institutional mechanism guarantee for the Guangdong-Hong Kong-Macao Greater Bay Area to promote the construction of a digital renminbi international demonstration zone.

The Guangdong-Hong Kong-Macao Greater Bay Area has become a global digital economic development highland. As one of the earliest provinces and cities in China to lay out digital economy policies, Guangdong Province has achieved remarkable results in building a national digital economy innovation and development pilot zone, and its digital economy ranks among the top in the country. At the same time, the pace of 5G commercialization in Hong Kong has gradually accelerated, and the digitalization process of various industries has accelerated significantly. The Macao region is developing rapidly in the digitalization of public services such as smart cities, smart transportation, smart healthcare and digital government. The Guangdong-Hong Kong-Macao Greater Bay Area has unique resources and advantages in developing the digital economy. Especially during the COVID-19 epidemic, the digital economy leads high-quality economic development and provides very important support in hedging the downward pressure on the macro economy and the slowdown in the development of traditional industries. effect. Therefore, the rapid expansion of the digital economy in the Guangdong-Hong Kong-Macao Greater Bay Area has greatly promoted the demand for online financial services represented by mobile payments among residents of the Greater Bay Area, and has built a safe, universal and inclusive new retail payment foundation for the Greater Bay Area. The facilities have laid a solid foundation.

The Guangdong-Hong Kong-Macao Greater Bay Area has a multi-level and comprehensive cross-border financial cooperation pattern. The Guangdong-Hong Kong-Macao Greater Bay Area has initially formed a win-win pattern of financial market interconnection and characteristic financial cooperation. Among them, Hong Kong is a highly prosperous free port in China, as well as an international financial center, offshore RMB business center, global asset management center and risk management center. Shenzhen is a pioneer demonstration zone of socialism with Chinese characteristics, a special economic zone and a national financial center. It is also an important city for pilot applications of digital renminbi. Guangzhou is the home of the International Business and Trade Center, the Guangzhou Futures Exchange and the International Commercial Bank of the Guangdong-Hong Kong-Macao Greater Bay Area. It is also a digital renminbi pilot area. Macau is an international free port and a world tourism and leisure center, undertaking financial cooperation services and offshore RMB clearing between China and Portuguese-speaking countries. Although other cities in the Guangdong-Hong Kong-Macao Greater Bay Area have less developed financial industries, they are closely connected and interconnected with these four central cities.

The Guangdong-Hong Kong-Macao Greater Bay Area has obvious advantages in the financial industry. According to the "White Paper on Financial Development of the Guangdong-Hong Kong-Macao Greater Bay Area (2021)" released by Guangdong Times Media Group, as of the end of 2020, the GDP of the financial industry in the Guangdong-Hong Kong-Macao Greater Bay Area exceeded 1.5 trillion yuan, accounting for 12% of the regional GDP. %, much higher than the national average of 8%; the balance of deposits and loans of financial institutions exceeded 75 trillion yuan, accounting for 19% of the national total. At the capital market level, there are 2,319 listed companies in the Guangdong-Hong Kong-Macao Greater Bay Area, with a total market value of more than 35 trillion yuan. At the same time, it has the Shenzhen Stock Exchange and the Hong Kong Stock Exchange, which has unique advantages in the world-class Greater Bay Area. Therefore, the Guangdong-Hong Kong-Macao Greater Bay Area uses multi-level and all-round financial interconnection and relies on the financial industry of "using points to promote the area and using small to promote the big".The industry spillover effect can expand the scale and scope of cross-border use of RMB in the Greater Bay Area, and help the interoperability and use of digital RMB in the Greater Bay Area.

Cross-border payments are developing rapidly. In recent years, cooperation within the Guangdong-Hong Kong-Macao Greater Bay Area has been continuously deepened. The daily lives of residents in the Greater Bay Area are deeply integrated and personnel exchanges are becoming increasingly frequent. There is an urgent need for more professional, better and safer cross-border payment services. There is an increasing demand for cross-border payment services. Increasingly urgent. Especially after the outbreak of the new coronavirus pneumonia, cross-border e-commerce has ushered in rapid development, which has had a profound impact on the cross-border payment industry and has become an important area with the potential for vigorous development in the Guangdong-Hong Kong-Macao Greater Bay Area.

In order to meet the cross-border payment needs brought about by the construction of the Guangdong-Hong Kong-Macao Greater Bay Area, governments at all levels have accelerated the improvement of connectivity in the Greater Bay Area in recent years, taking multiple measures to support the development of cross-border payment businesses, which has greatly promoted Facilitating the construction of cross-border payment services in the Greater Bay Area. For example, in February 2019, the Central Committee of the Communist Party of China and the State Council issued and implemented the "Outline Development Plan for the Guangdong-Hong Kong-Macao Greater Bay Area" and proposed to jointly promote the interconnection of electronic payment systems in the Greater Bay Area. In May 2020, the People's Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the State Administration of Foreign Exchange issued the "Opinions on Financial Support for the Construction of the Guangdong-Hong Kong-Macao Greater Bay Area", and subsequently the Guangdong Province issued the "Opinions on Implementing Financial Support for the Construction of the Guangdong-Hong Kong-Macao Greater Bay Area". The Implementation Plan for the Opinions on the Construction of the Hong Kong-Macao Greater Bay Area and the Work Plan for the Construction of a National Digital Economy Innovation and Development Pilot Zone in Guangdong Province both propose to facilitate Hong Kong and Macao residents to use mobile electronic payment tools for RMB payments in the mainland, and promote the use of mobile payment tools in the Guangdong-Hong Kong-Macao Greater Bay Area. Interoperable use. In September 2021, the General Office of Guangdong Province issued the "14th Five-Year Plan for the Development of China (Guangdong) Pilot Free Trade Zone", proposing to promote innovation in cross-border payment and settlement cooperation, further optimize cross-border mobile payment services, and provide services to residents of the mainland, Hong Kong and Macao. Provide more convenient cross-border financial services.

Digital RMB has great potential in cross-border payments in the Guangdong-Hong Kong-Macao Greater Bay Area. The use of legal digital currency and blockchain platforms to solve the common problems of long timeliness, high cost and low transparency in cross-border payments is crucial to providing efficient, fast and secure cross-border payment services.

A number of policies and measures support the implementation of digital renminbi application pilot projects

In recent years, governments at all levels have strongly supported policies in the Guangdong-Hong Kong-Macao Greater Bay Area to carry out digital renminbi application pilot projects. For example, in August 2019, the Central Committee of the Communist Party of China and the State Council issued the "Opinions on Supporting Shenzhen in Building a Pioneer Demonstration Zone of Socialism with Chinese Characteristics" to support the development of innovative applications such as digital currency research and mobile payments in Shenzhen. In August 2020, the Ministry of Commerce issued the "Overall Plan for Comprehensively Deepening the Pilot Program for Innovative Development of Trade in Services", which clearly pointed out that digital RMB pilots should be carried out in qualified pilot areas such as the Guangdong-Hong Kong-Macao Greater Bay Area. In October 2020, the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council issued the "Comprehensive Reform Pilot Implementation Plan for Building Shenzhen into a Pioneer Demonstration Zone of Socialism with Chinese Characteristics (2020—2025)", proposing to support the implementation of internal closed pilot tests of digital renminbi and promote the research, development, application and international cooperation of digital renminbi. In April 2021, the Guangdong Provincial People's Government issued the "Guangdong Province's Fourteenth Five-Year Plan for National Economic and Social Development and the Outline of Long-term Goals for 2035", proposing to carry out innovative applications such as digital currency research and mobile payments, and support Shenzhen in developing digital renminbi. pilot and support Guangzhou’s efforts to be included in the digital renminbi pilot area.

Shenzhen took the lead in launching a digital RMB red envelope event at the end of 2019. As of the end of 2021, Shenzhen pilot institutions have successively launched 264 pilot activities in various forms, with more than 300,000 merchants accepted. District governments have issued 616 million yuan in digital RMB special funds to 2,422 small and micro enterprises, and have initially established existing application scenarios. There is also a digital RMB ecosystem for consumer groups. At the same time, in the field of digital renminbi cross-border payments, in March 2021, Shenzhen Luohu District cooperated with Bank of China and Bank of China Hong Kong to successfully complete the test work for Hong Kong residents to use digital renminbi in the mainland. This test explored the scenario of Hong Kong residents coming to Shenzhen for cross-border digital renminbi payments, laying a technical and cognitive foundation for promoting the cross-border circulation and use of digital renminbi in the future. At the end of March 2022, Guangzhou became the third batch of digital RMB pilot areas, and jointly operated banks to implement scenarios such as shopping malls, real estate and government affairs.

Four focus points for establishing a digital RMB international demonstration zone

Follow the principles of "no loss", "compliance" and "interoperability". The "no loss" principle requires that the digital renminbi should promote the health and sustainability of the monetary system, monetary policy, financial markets, and financial stability. The digital renminbi should not damage the status of the Hong Kong dollar as the legal currency of Hong Kong and the Macau pataca as the legal currency of Macau. At the same time, consumer rights and interests in digital currency exchange and circulation should be protected, fair competition should be promoted, and the market should play a decisive role in resource allocation. The principle of "compliance" requires that the digital renminbi should have a sound legal basis and a robust operating system, comply with laws and regulations on foreign exchange management, exchange system arrangements, cross-border capital flow management, etc., achieve a match between information flow and capital flow, and promote cross-border capital flow management. The development of cross-border trade and global supply chains serves the healthy development of the real economy, complies with regulatory requirements such as anti-money laundering and anti-terrorist financing, and strengthens the protection of users’ personal information. The principle of "interoperability" requires that the digital renminbi should make full use of existing financial infrastructure and advanced financial technology development achievements to achieve interconnection between the digital renminbi, Hong Kong dollar and Macau pataca systems and with the financial markets and financial infrastructure of Guangdong, Hong Kong and Macao. At the same time, it should be conducive to promoting the healthy and orderly development of cross-border payment business and eliminating the fragmentation of the digital currency market.

Establish legal digital currency exchange arrangements and regulatory cooperation mechanisms. Explore the currency exchange rate stabilization mechanism between the RMB, the Hong Kong dollar, and the Macau pataca, and promote the improvement of the quality and efficiency of cross-border financial infrastructure in the Guangdong-Hong Kong-Macao Greater Bay Area. digital manThe RMB follows the principle of "anonymity for small amounts and traceability for large amounts according to law", which not only meets the public's demand for anonymous payment services for small amounts, but also prevents digital RMB from being used for cross-border illegal and criminal activities. Therefore, while the digital renminbi promotes the free flow of funds in the Guangdong-Hong Kong-Macao Greater Bay Area, it can also effectively control the flow of funds within the Greater Bay Area. In addition, it is recommended to launch a capital account convertible cross-border regulatory sandbox pilot in the Guangdong-Hong Kong-Macao Greater Bay Area using digital renminbi as a carrier. On the one hand, the safe and convenient payment features of the digital renminbi are used to accelerate capital account convertibility and the internationalization of the renminbi; on the other hand, the smart contracts and real-time transaction data monitoring functions of the digital renminbi are used to effectively ensure the security and risks of the entire life cycle of the digital renminbi. Controllable.

Enrich the application scenarios of digital RMB cross-border payment. Digital RMB cross-border payment application scenarios include cross-border e-commerce, Hong Kong and Macao residents traveling to the mainland of the Greater Bay Area, and mainland residents of the Greater Bay Area traveling to Hong Kong and Macao. First of all, safe and convenient payment and settlement channels are an important guarantee for cross-border e-commerce to achieve closed-loop transactions. The application of digital renminbi in cross-border e-commerce scenarios can help reduce payment fees for small and micro enterprises. While improving the efficiency of cross-border capital flows, it can also enhance the protection of consumer rights and interests and better promote trade in the Greater Bay Area. and free and convenient capital flow. Secondly, Hong Kong and Macao residents who come to the mainland of the Greater Bay Area for a short period of time can open a digital renminbi wallet without opening a mainland bank account, so they do not need to rely on the intermediary function of commercial banks and use digital renminbi to meet daily retail payments in the mainland of the Greater Bay Area. need. Finally, expand the scope of use of digital RMB wallets among merchants in Hong Kong and Macao. Mainland residents in the Greater Bay Area can directly use digital renminbi when traveling to Hong Kong and Macao, providing a safer, more convenient, innovative and easy-to-use option for their cross-border retail consumption, and improving the efficiency and user experience of cross-border payment services.

(This article was originally published in the 2022 Issue 5 of "China Banking" magazine)

⑤ Meet in the Bay Area and compete for glory! Zhijing·Guangdong-Hong Kong-Macao Greater Bay Area E-sports Forum and City Exchange Competition begins!

1. Event background:
The first e-sports jointly launched by the Publicity Department of the Liaison Office of the Central People’s Government in Hong Kong, the Publicity Department of the Liaison Office of the Central People’s Government in Macau, and the Executive Committee of the Hengqin Guangdong-Macao Deep Cooperation Zone Competition; the first e-sports competition that set sail in Shenzhen, passing through six cities and two special administrative regions in the Greater Bay Area, with the finals landing in Hengqin; the first e-sports event and industry summit that leaders at all levels in the Guangdong-Hong Kong-Macao Greater Bay Area attach great importance to and are active in ; It is also the highest standard and level "Honor of Kings" e-sports competition officially launched by Tencent in the Guangdong-Hong Kong-Macao Greater Bay Area.
2. Purpose of the event:
In order to effectively promote cultural exchanges between cities and youths in Guangdong, Hong Kong and Macao, with the e-sports exchange events between cities and the e-sports industry summit as the core, we will help create a new industrial culture in the Guangdong-Hong Kong-Macao Greater Bay Area. symbol, driving cultural integration in the Greater Bay Area and promoting two-way communication of business culture. Use e-sports as a bridge and culture as a link, and use the Hengqin Guangdong and Macao Deep Cooperation Zone as a connecting point to connect Guangdong, Hong Kong and Macao, and form aWrite a new chapter as a demonstration benchmark for the e-sports industry in the Greater Bay Area.
3. Competition unit:
1) Guidance unit: Publicity, Culture and Sports Department of the Liaison Office of the Central People's Government in the Hong Kong Special Administrative Region, Publicity and Culture Department of the Liaison Office of the Central People's Government in the Macao Special Administrative Region, Hengqin Guangdong-Macao Deep Cooperation Zone Executive Committee
2) Organizers: Tencent Interactive Entertainment Tianmei E-Sports Center, Shenzhen Huashi Sports Industry Ecological Operation Co., Ltd.;
3) Supporting units: Hengqin Guangdong-Macao Deep Cooperation Zone People’s Livelihood Affairs Bureau, Guangdong Provincial Game Industry associations, Hong Kong E-Sports Federation, Macau E-Sports Federation, Shenzhen Nanshan District E-Sports Industry Association, King of Glory official event service platform: King of Life;
4) Organizer: Huahuo Jinghe;
5) Live broadcast platforms: Bilibili, Douyu, Huya, Kuaishou, Penguin E-sports, Tencent Video, King of Glory APP in-terminal TV station
4. Competition format:
The competition format adopts "Shenzhen Press Conference + Urban Mass "Online sub-station competition + national exhibition competition + summit forum + professional elite finals" format. After the press conference was held in Shenzhen, urban public online sub-station competitions were held in Guangzhou, Shenzhen, Foshan, Zhuhai, Dongguan, Huizhou, Macau, and Hong Kong. Users can use the King of Glory official game shooting service platform - King of Life APP Sign up to participate in the competition and ultimately select the winning team. King of Life aims to use King of Glory as the medium and product technology as the axis, through game IP and e-sports marketing, to open up online and offline scenarios, realize the connection between King of Glory and the real economy, and help more e-sports young people User traffic to the real economy increases. In this event, King of Life will connect e-sports content with local city business scenes through connections with merchants in sub-station cities, especially catering, retail, business districts, wine and tourism, and many other consumption scenarios covering the youth of the Z era. In order to better provide powerful online event platform services for this event.
Secondly, in the Hengqin offline finals, the Volkswagen winning team and the specially invited top Honor of Kings professional team jointly represented the city in a performance competition; on the eve of the finals, leaders from all parties were invited to discuss Guangdong, Hong Kong and Macao e-sports. Forum summit activities will be held on a series of industrial development issues; the final round of the finals will be held among professional teams represented by each city to compete for the championship.
5. Event time:
1) Press conference: On December 6, 2021, the event brand will make its debut. Leaders from all walks of life in government and enterprises will be invited to the platform to improve the specifications of the event and release the mid- to long-term plan for the event;
>2) Urban Mass Online Competition: An online competition will be held from December 14, 2021 to January 9, 2022, divided into eight competition areas: Guangzhou, Shenzhen, Dongguan, Foshan, Zhuhai, Huizhou, Macau, and Hong Kong , the public participates in the online competition on the official event service platform of King of Glory - King of Life, and the eight winning city championship teams will be invited to the finals stage to interact with professional stars in the exhibition competition and award awards;
3) National Exhibition Competition: 2022 On January 18, Hengqin Guangdong-Macao Deep Cooperation Zone International Tennis CenterDay 1 of the offline finals in the main hall of the Heart Center. After the opening ceremony, public teams + professional teams formed city representative teams for an interactive exhibition match, using an integrated approach to interpret e-sports for all.
4) Summit Forum: January 19 , Zhuhai International Convention and Exhibition Center Zhuhai Hall Offline Finals Day2, leaders from all walks of life attended the exchange of e-sports industry topics in the Guangdong-Hong Kong-Macao Greater Bay Area
5) Professional Finals: Hengqin Offline Finals Day2 on January 19, eight teams were invited Seven professional teams from the Guangdong-Hong Kong-Macao Greater Bay Area - Guangzhou TTG, Shenzhen DYG, Dongguan WZ, Macau EMC, Hong Kong YTK, Huizhou MGL, Foshan GK compete for the highest championship honor of this event
The total prize money of this event The pool is as high as 500,000 yuan. The event registration channel has been officially opened at the end of the press conference, and the official event service platform of King of Glory - King of Life provides full-process service support for the event. Players are welcome to actively register through the "King of Life" APP. For specific registration methods, please click on the event registration guide video below.
The online competition and finals will also be broadcast simultaneously on Bilibili, Douyu, Huya, Kuaishou, Penguin Esports, Tencent Video and TV stations in the Honor of Kings APP. All esports enthusiasts are welcome to tune in on time. !In addition, in addition to the official Chinese live broadcast room of this event, there is also a Cantonese commentary stream on the second channel to simultaneously broadcast the event, making it convenient for all friends in the Guangdong-Hong Kong-Macao Greater Bay Area to watch!
In December 2021, let’s meet at the Guangdong-Hong Kong-Macao University Bay Area, let’s “compete” for glory together!

⑥ Is 2022 a good time to buy a house? Do you have any plans to buy a house?

First of all, what will happen to China’s housing prices? not sure.

Overall, in the next 2-5 years, the first and second tiers will fall by 15%, and the third and fourth tiers will drop by 30%. It is a high probability event. The first and second tiers have low holding costs, while the third and fourth tiers have limited purchasing power.

Nowadays, the leverage of residents is too high, and it is difficult for the state to increase wages even if they release funds. Basically, they are transferred to Leeks in the form of leveraged credit. The current situation is really unbearable. In the past few years, almost everyone who has enough basic money to make a down payment has bought a car. It is really dangerous to double the down payment.

Do the third and fourth tiers want to sell land? Of course they do. Is there a shortage of land? There is certainly no shortage. The new areas are all filled with land. The key is that this liability is not transferred to home buyers, and the government's land sales money is the bank's money. Again, there are too many stocks and I really can’t pick up the leeks. Recently, there have been more and more failed land auctions, and it is urgent to supplement finance with property taxes.

The essence of the first and second lines is the same, but the situation is slightly better, because the belief and holding cost are too low, and the two sides are still in a stalemate. Shenzhen and Shanghai restricted loan quotas, transaction volume dropped instantly, and the so-called big guys who bought the houses they just needed with full payment disappeared.

The introduction of the property tax has completely changed this equilibrium state. The guide price is obviously prepared for the property tax. Otherwise, who else would be so tired to give a guide price to each community. If the real estate tax pilot is implemented quickly, it will be by the end of the year. If it is slow, it will be next year.It will definitely come out. It will not be as ruthless as everyone thinks, and it will not be like Shanghai and Chongqing before. Sell ​​the land when it is time to do so without delaying property taxes. After all, there will be a transition time, and the ratio between the two will be dynamically adjusted. At the same time, state-owned developers began to develop public rental housing. The country has many options for building public rental housing: a large number of vacant office buildings in the city center have been renovated, have good locations, and are endorsed by the state. It just depends on whether the country is willing or not. As the holding cost goes up, first-line housing prices will definitely loosen, but after all, if the first-line housing prices decline for a few years, a 15% drop is acceptable, and it will just go back to around 2019. So I personally feel that the first and second tiers will be an excellent low point to get started in 2-3 years.

It is estimated that it will take 2-3 years before the third and fourth tiers are fully levied, but if we have expectations, we will not be afraid of rising prices. The bubble in the third and fourth tiers is still quite serious. A 30% drop is considered good, but it may be cut in half directly.

This time we look at the determination and means to deal with double reductions. It feels really different.

Finally, no matter whether you buy it or not, just pay attention to the leverage. Yesterday I saw a post about buying a house in Chengdu, draining the down payment of both parents and borrowing foreign debt. It's so dangerous. Many people born in the 1990s have not realized that their parents' bodies are getting weaker day by day, and people will get sick as they get older. Being sick costs a lot of energy and money.

⑦ WeBank helps the blockchain industry flourish

On July 19, the "Digital "Chain" Greater Bay Area" hosted by the China (Shenzhen) Comprehensive Development Research Institute— — Blockchain supports the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area Report (2022)" (hereinafter referred to as the "Report") press conference was held in Shenzhen.

The report believes that digital technology represented by blockchain can play an important role in breaking the ice of institutional differences in the Guangdong-Hong Kong-Macao Greater Bay Area, supporting the leapfrogging of the real economy and empowering innovation in social governance, and effectively boosting the development of Guangdong-Hong Kong-Macao Greater Bay Area. The integrated development of the Hong Kong and Macao Greater Bay Area has entered a new era 2.0. The report uses a wealth of practical cases of blockchain usage scenarios to demonstrate the role and contribution of blockchain in the construction of digital economy, digital society, and digital government.

The Greater Bay Area has sounded the clarion call for the rise of blockchain.

“The blockchain field in the Guangdong-Hong Kong-Macao Greater Bay Area is active in innovation, with rich application results, strong factor attraction, strong policy support, and an ecological development trend.” At the press conference, the report announced the development of the Greater Bay Area in A series of achievements in the blockchain field.

The report shows that in 2021, there were 10,710 blockchain-related invention patent applications in mainland China, Hong Kong, Macao and Taiwan, of which 3,282 occurred in the Greater Bay Area, accounting for 31% of the total. In addition, the Greater Bay Area has published a total of 756 articles on blockchain topics. Compared with other world-class bay areas, the number has begun to clearly dominate.

In the context of unprecedented changes in a century, experts and scholars shared their thoughts on the value of blockchain. Fan Gang, a well-known economist and president of the China (Shenzhen) Comprehensive Development Research Institute, said that under the influence of international situations such as the epidemic and the Russia-Ukraine war, new changes have taken place in the international trade system and currency settlement system. Since the blockchain is private, real information can be trusted, and there is no need to repeatedly verify duplicate information.and other features, greatly improving transaction efficiency. In his view, with Internet technologies such as blockchain, and empowered by the open source ecosystem of large companies, more small businesses will use the platform to play a role.

Fan Gang, President of China (Shenzhen) Comprehensive Development Research Institute.

Therefore, the report believes that “the Greater Bay Area has sounded the clarion call for the rise of blockchain.” "The Guangdong-Hong Kong-Macao Greater Bay Area has the advantages of open markets, diversified needs, and talent gathering. The cutting-edge science and technology field represented by blockchain is actively innovating, achieving fruitful results, and the ecological development trend has been set. It has become the key to the development of blockchain at home and abroad. The new highland is pregnant with the strong development pulse and greater development future of blockchain and digital economy." Liu, deputy director of China (Shenzhen) Comprehensive Open Key Development Research Institute, said when releasing the report.

Expansion, integration and innovation of cutting-edge technology in "Xinjiang region"

Ma, Vice President and Chief Information Officer of WeBank.

This is an example of using blockchain across borders for trusted data.

Tang Jie, professor at the School of Economics and Management of Harbin Institute of Technology (Shenzhen) and former deputy mayor of Shenzhen, commented on the report and pointed out that currently, the application results of blockchain in the Guangdong-Hong Kong-Macao Greater Bay Area are already very rich. The number of projects ranks among the top in the country, and a number of leading blockchain companies are emerging, which can not only effectively solve the current problem of poor flow of people and the institutional differences caused by commodities and funds in the Guangdong-Hong Kong-Macao Greater Bay Area, but also contribute to the cross-border transfer of data elements. and cross-domain use. He believes that new technologies such as blockchain should actively explore usage scenarios in the Greater Bay Area, and encourage technology-leading companies to be open and open source to create a good ecosystem.

Therefore, the report states that "digital technology represented by blockchain has accelerated the integration of the Greater Bay Area."

This integration is reflected in the fact that technology is melting the ice of institutional differences, supporting the leap of the real economy, and empowering innovation in social governance. Among them, in terms of melting institutional differences, the "Bay Area Fintech Talent Chain" of the Guangdong-Hong Kong-Macao Greater Bay Area, WeBank's inter-financial institution reconciliation platform, Guangdong-cross-border data verification platform, port logistics and

Harbin Institute of Technology ( Liu Chuanyi, executive director of the Shenzhen Data Security Research Institute and professor of the School of Computer Science and Technology, also believes that one of the functions of the blockchain is to trace the source of the evidence, which cannot be tampered with or traced back. This function determines that it can become an important infrastructure in the digital age. “As a basic infrastructure, the blockchain should first be open source, and secondly the source code should be formally verified. In addition, the blockchain should be vertically open, and some important uses should be fed back to these infrastructures, thereby strengthening the sustainability of the infrastructure. Iterate to make this infrastructure clearer."

With the deepening of the connection between the rules and mechanisms of Guangdong, Hong Kong and Macao, the level of integrated development of the Greater Bay Area continues to improve. The report further points out that shallow integration needs such as hardware docking, front stores and back factories, and gradient division of labor for the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area in the 1.0 era are being replaced by deep integration needs such as system compatibility, economic interdependence, and social interconnection in the 2.0 era. .

“The Guangdong-Hong Kong-Macao Greater Bay Area relies on cutting-edge technologies such as blockchain to realize the flow or utilization of trusted data in a multi-system environment and improve the efficiency and effectiveness of the flow of people, logistics, and capital., and significantly expand the ‘Xinjiang region’ that is the hinterland of each other’s economies and integrates innovation. "The report pointed out.

Developing a "trust transfer machine" to help integrated development

"Blockchain, especially the alliance chain, is a recognized machine for transferring trust. A distributed data transmission protocol based on blockchain technology and individual leadership can effectively promote the flow of data elements and help the integrated development of the Greater Bay Area. "As a representative of industry practice, Ma said when sharing.

According to his disclosure, WeBank has always regarded blockchain as one of the core technologies of financial technology, and took the lead in launching blockchain in the financial industry in 2016. Alliance "Golden Chain Alliance". It has always adhered to the concept of comprehensive security and controllability of blockchain technology, relying on the collaboration of the Golden Chain Alliance open source working group to create the underlying open source platform FISCO BCOS of the financial alliance chain, achieving localization support for the entire chain, and greatly accelerating It has promoted the development of the blockchain open source ecosystem in the Guangdong-Hong Kong-Macao Greater Bay Area. At present, WeBank, as the first digital bank in China, has accumulated 340 million effective individual customers and nearly 2.8 million small and micro enterprises.

Ma revealed that currently, The open source alliance chain ecosystem jointly built by Weizhong Blockchain and many parties has gathered more than 3,000 institutions and enterprises and more than 70,000 individual members, successfully supporting hundreds of industries such as finance, medical care, justice, agriculture, and manufacturing. Blockchain use, and the use of more than 200 benchmarks supporting industrial digitization.

Currently, the Guangdong-Hong Kong-Macao Greater Bay Area blockchain is showing an ecological development trend, and the open and diversified blockchain ecosystem is accelerating its evolution. Shenzhen Gu Qingshan, assistant general manager of Shizhangzhangtong Intelligent Technology Co., Ltd., pointed out that as the flagship financial technology incubated by Ping An Group, financial Zhang Tong has been deeply involved in financial technology for many years.

He has rich experience in the use of financial blockchain, and has extensive experience in patents and localization It has profound accumulation in other aspects and can meet the actual needs of financial institutions’ blockchain.

As a practical representative of the academic community, Pang Chuan, Vice President of Macau University of Science and Technology and member of the Macau Legislative Assembly, said that in addition to scientific research and serving society, the academic community also The most important thing is to cultivate talents. In June 2023, Blockchain Engineering (080917T) passed the registration and approval of undergraduate majors in general colleges and universities of the Ministry of Education. Four years later, the first batch of undergraduate graduates of Blockchain Engineering will be officially born. In addition, Tsinghua University, Peking University, University of Science and Technology of China and other well-known universities are on the list of candidates for the national pilot program for the innovative use of blockchain in the education field.

[Written by] Li Hualian

Related questions and answers: Procuratorate How to check the bank statements of WeBank. To check the bank statements of WeBank, the procuratorial organ only needs to go to the company to investigate. Generally, the court cannot check the bank statements of the person subject to execution. If it is related to the case, it can apply for inquiry. The person being executed A person's personal history may involve property other than the case. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the person subject to execution's obligations. Therefore, the court cannot inquire without legal authorization.< /p>