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㈠ Cai Esheng: The core of financial technology is still artificial intelligence and blockchain

Financial website news In 2020, the sudden epidemic broke people’s normal life , the global economy has undergone tremendous changes, uncertainty has increased significantly, and China's financial industry has encountered huge challenges. In the same year, bank wealth management subsidiaries were born, financial technology empowerment is in full swing, wealth management transformation is surging, and the fund industry is facing an unprecedented The big wind outlet. On December 10, the 5th Smart Finance International Forum and the 2020 Financial Industry Leadership Annual Ceremony hosted by the financial industry were held in Beijing. Hundreds of financial industry figures gathered together to discuss the digital transformation and development of the financial industry and the role of financial technology in wealth management. We conducted in-depth and pragmatic discussions and exchanges on topics such as application in the field, the era of public funds, and the future of pension finance.

Mr. Cai Esheng, former Vice Chairman of the China Banking Regulatory Commission, attended the forum and delivered a speech on the theme of "Financial Intelligence and Financial Technology Development Trends". Cai Esheng said that the development of financial technology and financial intelligence are a very hot topic. In the past two years, the development of financial technology has shown leaps and bounds, but it has also encountered some problems. He pointed out that whether it is financial development, smart finance or financial technology, they are actually designed to serve the development of the real economy.

Regarding the development of the financial industry, Cai Esheng expressed his four views:

First, innovation is a core position in future development and is also a new development concept. Article 1. One direction of the financial support innovation system is to promote the industrialization and scale of new technological achievements. The concept of financial development should be clarified. This is the next step for the financial industry and financial system to solve.

Second, it is necessary to build a mechanism and system for finance to effectively support the real economy, improve the level of science and technology, and enhance financial inclusion. Finance should be a leading industry that uses science and technology to improve service capabilities. As for financial technology itself, we must actively use technological means and intelligence to develop around improving efficiency and quality.

Third, the core of financial technology is artificial intelligence and blockchain. The 14th Five-Year Plan proposes to promote the deep integration of various industries such as the Internet, big data, and artificial intelligence, promote "digital industrialization" and "industrial digitization", and promote the integration of the digital economy and the real economy. Then, the intelligence of the financial industry must be synchronized with the development of the digital economy of the entire society and the digital demand of all walks of life, or even higher than it. How to solve the problem of multi-level services under the contradiction of imbalance and insufficiency needs to be taken into consideration.

Fourth, financial development must not only improve service levels, but also solve security problems and prevent risks. For the future development of Internet finance, there are five points that need to be considered: network security, civil competition and antitrust, new types of too-big-to-fail, ownership of data rights and cross-border data flows.International coordination issues.

㈡ Digital economy + digital currency + Huawei + artificial intelligence + blockchain! Domestic leaders develop digital economy

①Digital economy + digital currency + Huawei + artificial intelligence + blockchain! This domestic leader in financial intelligent terminal equipment officially announced the establishment of a wholly-owned subsidiary to carry out digital economy business, prepare digital RMB hardware wallet related products for the Beijing Winter Olympics, and is also the first batch of cooperative units of the Central Bank's Digital Currency Research Institute; ②Digital Economy + Digital Twins + Metaverse + Huawei + AR + Artificial Intelligence! This leader in smart rail transit signed a 20 billion order. The AR three-dimensional real-scene fusion technology platform is compatible with Huawei Kunpeng and Shengteng. Its annual performance is expected to nearly triple. It also provides Qualcomm with RCS overall solutions; ③ Photovoltaic + energy storage + Charging pile! The company's full-year net profit is expected to increase by nearly 1.5 times at its highest.

[Interpretation of key announcements]

Radio and Television Express: Plans to establish a wholly-owned subsidiary to carry out digital economy business

Radio and Television Express announces that it plans to establish a wholly-owned subsidiary, Radio and Television Express Digital Economy Investment and Operation Co., Ltd. (referred to as "Radio, Television and Digital Investment") has a registered capital of 1 billion yuan. The Radio, Television and Digital Investment established this time will serve as the company's investment and operation platform to carry out investment, construction and follow-up operations of digital economy businesses nationwide, innovate smart city business models, expand the company's smart city business areas, and help enhance the company's core competitiveness and profitability to achieve sustained and stable development of the company.

Comments: Public information shows that Guangdian Express is deeply trusted by more than 1,200 financial institutions around the world. It provides diversified and inclusive financial services through the "scenario + financial" service model, and has ranked first for 13 consecutive years. Ranking first in domestic financial intelligent terminal equipment market share.

The company is one of the first cooperative units of the Central Bank’s Digital Currency Research Institute. The company is actively working with ecological partners to accelerate the expansion of multiple digital renminbi application scenarios around the Winter Olympics, such as winning the bid for the first hardware equipment bidding project in the digital renminbi field that the Bank of Communications Head Office plans to promote in the context of the Winter Olympics, and the digital renminbi jointly built with China Construction Bank Smart teller machines were launched on a pilot basis at Beijing Daxing Airport; digital RMB hardware wallets and other related products were actively prepared for the Beijing Winter Olympics.

Analysts such as Xia Qingying of Wanlian Securities stated in a research report released on October 25, 2021 that the company can provide integrated digital RMB software and hardware solutions for various banks and other customers, and can provide Digital RMB products such as soft and hard wallets, micro cashiers, and smart ATMs.

Xia Qingying stated in a research report released on May 5 that the company released the enterprise-level blockchain technology platform Express Data Chain, which has "multiple extensions", "high performance", and "strong The six technical characteristics of "security", "strong privacy", "credibility creation" and "easy access" can help my country's industrial upgrading based on blockchain technology.

The company helped Shenzhen Metro issue the country's first subway blockchain electronic invoice, and built standardized software systems for gates, revenue accounting, electronic invoices and other business systems for Shenzhen Metro.

Relying on the Radio Group and Huawei, the company jointly established the "Kunpeng + Shengteng" ecological innovation center, released Kunpeng servers and full-stack information innovation solutions for radio and television, and completed domestic platform adaptation of mainstream products to support mainstream Kunpeng and Feiteng , Loongson, Zhaoxin CPU platforms and UOS, Kirin OS, and carried out pilot testing with more than 20 banks.

Jiadu Technology: Net profit in 2021 is expected to increase by 227%-292% year-on-year

Jiadu Technology announced that the net profit in 2021 is expected to be 300 million yuan-360 million yuan, a year-on-year increase of 22.671% %-292.05%. The company's newly signed and on-hand orders for intelligent product solutions in the past three years have entered the large-scale implementation stage, and intelligent projects such as rail transit and smart cities have been delivered as planned, driving rapid growth in business revenue.

Comments: The announcement shows that the company’s artificial intelligence technology continues to invest in and implement transformation. The sales of core self-developed intelligent products with high gross profit margins such as “Smart Station” and “IDPS Urban Traffic Brain” have grown rapidly, driving the company as a whole. Gross profit margin level increased.

Analysts such as Liu Yuping of China Merchants Securities stated in a research report released on September 6, 2021 that in the field of smart rail transit, the company has solidly promoted the large order of 17.225 billion smart rail transit and has newly signed a contract with Changsha Rail Transit. The smart contract for Transportation Line 6 is worth RMB 2.428 billion. The delivery of main products and performance confirmation will be completed within the year.

A research report released by Wanlian Securities Xia Qingying on September 2, 2021 pointed out that as the leading enterprise of intelligent rail transit in the Guangdong-Hong Kong-Macao Greater Bay Area, the company is expected to fully benefit from this policy dividend.

Jiadu Technology replied in Huayiyi that the company is one of Huawei's leading ISVs (independent software developers). Both parties give full play to their respective advantages and jointly develop a variety of city-level smart applications. The company's police Industry digital platforms such as Service Video Cloud and Mingyi AR 3D Reality Fusion Technology Platform have developed and obtained the first batch of compatibility mutual certifications with Huawei's Kunpeng and Shengteng systems.

As one of the key technologies for building metaverse cities, digital twins will be implemented in more industries and fields in the future. The company will also be involved in digital twin-related computer vision, AR (augmented reality), Data science, IoT sensing and control and other technologies continue to be invested in and expanded.

The company's intelligent face recognition temperature measurement terminal has an automatic remote temperature measurement function.

In June 2015, the company replied in Huayiyi that as the only partner of Qualcomm's RCS overall solution in mainland China, the company provides RCS solutions from the chip layer and will work with Qualcomm to jointly promote it.The development of the RCS industry chain provides overall RCS product services to the three major operators of China Mobile, China Telecom, and China Unicom, and lays a good foundation for the subsequent commercial promotion of communication operators and mobile phone terminal manufacturers in the RCS industry chain. Jointly promote the development of the next generation of rich media converged communications.

Zhongneng Electric: Net profit in 2021 is expected to increase by 64.49%-146.74%

Zhongneng Electric announced that the net profit attributable to shareholders of listed companies in 2021 is expected to be 22.5 million yuan-3375 million, a year-on-year increase of 64.49%-146.74%; net profit after deducting non-recurring gains and losses was 18.9 million yuan-29.25 million, a year-on-year increase of 68.58%-160.9%. The company fully focuses on its main business, actively explores the power market, strengthens internal refined management, and seizes the development opportunities of the new energy industry. The company's main business income has increased compared with the same period last year, and the company's overall profitability has improved. Announced on the same day, wholly-owned subsidiary Zhongneng Luhui and Sunwanda Integrated Energy recently signed a "Cooperation Framework Agreement". In the future, the two parties plan to conduct in-depth cooperation in photovoltaic power generation, energy storage and comprehensive energy services.

Comments: Public information shows that Zhongneng Electric has "light storage and charging" integration, "charging Rubik's cube", "first and second integration", "charging group", "smart garage + smart charging", etc. Solution has participated in the construction and operation of bus station charging pile projects in Handan, Hebei, Yinchuan, Ningxia, Guiyang, Guizhou and other regions.

Shanghai Yiguan, a subsidiary of the company, is mainly engaged in the investment, construction and operation of photovoltaic power generation projects. It currently holds a number of distributed photovoltaic power generation projects that have been connected to the grid in Jiangsu, Shanghai and other places.

[Performance Announcement Gold List]

Zhaoyan New Drug: Net profit in 2021 is expected to increase by 72%-82% year-on-year

Zhaoyan New Drug announced that the net profit in 2021 is expected to be Profit was 540 million yuan-570 million yuan, a year-on-year increase of 72.3%-82.3%. Xiaocai Note: Q3 net profit was 94 million yuan. Based on this calculation, Q4 net profit is expected to be 292 million yuan-322 million yuan, a month-on-month increase of 210%-242%.

Comments: The announcement shows that the company has further optimized and improved experimental facilities and project management processes, and the laboratory capacity utilization rate has continued to increase, ensuring that orders on hand are efficiently executed; the supply side has also provided strong support for performance growth. .

New Kaiyuan: Net profit in 2021 is expected to increase by 438%-483% year-on-year

New Kaiyuan announced that the net profit in 2021 is expected to be 240 million yuan-260 million yuan, a year-on-year increase of 438.42%- 483.29%; the impact of non-recurring gains and losses on the company's net profit in this period is 230 million yuan to 250 million yuan, mainly due to the company's sale of BioVisionDue to equity and external investment. Xiaocai Note: Q3 net profit was 16 million yuan. Based on this calculation, Q4 net profit is expected to be 140 million yuan-160 million yuan, a month-on-month increase of 775%-900%.

Comments: Public information shows that the company’s main business includes fine chemicals and precision medicine. The acquired American BioVision is the world’s top life science research company. The BV product exosome kit can separate and extract from body fluids. High-purity exosomes, from which DNA, RNA, and proteins are simultaneously extracted for precise quantitative analysis, can be used for research and early diagnosis of cancer, infectious diseases, and neurodegenerative diseases. A variety of virus purification kits are also available, which can be used at Quickly and efficiently purify recombinant viruses from transfected cell culture supernatants or infected samples in 30-60 minutes.

㈢ What is the relationship between blockchain and artificial intelligence?

There are many potential connections and interactions between blockchain and artificial intelligence. They can promote each other, make up for their shortcomings, and make progress together.

On the one hand, at the application level, artificial intelligence technology Liang Suichen can provide the blockchain platform with more complete data processing and analysis capabilities. For example, artificial intelligence technology can help blockchain platforms conduct large-scale data mining and analysis, discover hidden correlation patterns and trends, and improve data processing efficiency and security. At the same time, blockchain technology can also provide a more accurate, real-time, and credible data source for artificial intelligence algorithms by establishing a decentralized, non-tamperable data storage and transmission mechanism, further improving its decision-making and prediction capabilities.

On the other hand, at the technical research level, blockchain technology and artificial intelligence technology also have the possibility of integrating with each other and accelerating development. For example, some researchers apply blockchain technology to decentralized artificial intelligence training and data collaboration processes to solve issues such as privacy protection and data traceability in the current artificial intelligence field; other researchers are exploring How to use artificial intelligence algorithms to optimize and accelerate the blockchain transaction confirmation and on-chain data verification process, and further improve the development efficiency and security of blockchain technology.

In short, in the field of cross-application of blockchain and artificial intelligence, they can promote and support each other, and produce more complex and diversified technological innovation combinations, which can contribute to the development of the digital economy and enterprises. Have a positive impact.

㈣ How blockchain technology can play a greater role in economic and social development

While the construction of a transportation power is in progress

< p>In September 2019, the Central Committee of the Communist Party of China and the State Council issued the "Outline for Building a Powerful Transportation Nation", which plans to basically build a powerful transportation country by 2035. In the "Outline for Building a Powerful Transportation Nation", in addition to "reducing costs and increasing efficiency" of my country's transportation based on existing infrastructure, advanced transportation equipment plays the role of "innovation""The role of transportation is mainly to transform the incremental growth of my country's transportation. In the "Outline for Building a Powerful Transportation Nation", advanced equipment mainly includes large-scale carriers and special equipment to promote equipment technology upgrades; develop autonomous driving, vehicle-road collaboration, and underwater robots , large-scale deep-sea multi-functional rescue ships, etc.; widely used in smart high-speed rail, smart roads, smart shipping, etc.

㈤ Blockchain and digital economy

The top ten mainstream predictions for the development trend of the digital economy after the epidemic, details are shown in the figure.

Jeff briefly talks about his views:

1. National and global economies The general trend of development is the digital economy, and this direction is undoubtedly certain!

2. Blockchain is not enough to be compared with the digital economy, Internet economy, and industrial economy. The concept is wrong. Blockchain is a technology , it can be discussed together with information technologies such as the Internet, cloud computing, 5G communications, and the Internet of Things, and should also be used in combination!

3. Blockchain technology and token, token economy, The product of community governance coupling may not be the current currency circle in the eyes of currency people. All the above mentioned must empower the real economy in order to exert its positive energy and generate new value.

4. Digital economy and Blockchain technology is a natural fit, so it is recommended that blockchain practitioners de-monetize tokens and use them in multiple applications to truly take advantage of the distributed advantages of blockchain.

Blockchain technology is ultimately useless. Use!

㈥What are the practical applications of blockchain technology in the field of economics

Because the digital currency first produced by blockchain technology has had a huge impact on the financial field, research and The application of blockchain technology has become an important task in today’s financial field. In essence, blockchain technology is still a technical means and tool. Its application in the financial field and its application in the real economy are both parallel. Each is relatively independent, but there is a certain overlap, which means that the promotion of the real economy is indirect. 1. Regardless of finance or entities, one of the foundations of transactions between supply and demand is trust. The current banking, enterprise, Enterprises to enterprises, enterprises to people, etc. are all linked by currency. The right to issue currency lies with the country, and the right to operate the currency lies with banks. With the further popularization and widespread application of blockchain technology, in the future, enterprises and enterprises, or individuals and individuals They can self-organize and issue digital currencies (digital credit), and the status of banks will change from the current monopoly operation to the equal competition in the market. Therefore, the widespread application of blockchain technology in the financial field has an indirect impact on the real economy. 2. District Blockchain technology is the bridge between reality (entity) and virtuality. Through blockchain technology, the real world can be recreated, reconstructed and redefined in the virtual world. For example, the digital currency of real banknotes in the virtual world, the real world Digital stock trading in the virtual world, digital settlement of real import and export trade in the virtual world, digital customs clearance, digital documents, bills, etc. can greatly improveImprove the efficiency of business processes and save transaction costs. At present, all transactions are inseparable from banks. Banks play the role of central hubs in transactions. Banks' application of blockchain technology will definitely improve the efficiency of their settlement and indirectly promote the efficiency of the real economy. However, this impact will gradually weaken in the future. Because the biggest feature of blockchain technology is decentralization, its distributed accounting system is a centerless network system. 3. The application of blockchain technology is actually to valorize and credit the information currently flowing on the Internet, and to reorganize and restructure the information in the Internet (use value, exchange value, cultural value) through the blockchain. The formation of the Internet of Value is of great significance and will bring revolutionary promotion to both the financial industry and the real economy.