南京大学区块链研究院,区块链与智能金融研究中心

近年来，随着区块链技术的发展，智能金融也在不断推进和发展。南京大学区块链研究院和区块链与智能金融研究中心正是为了推动这一领域的发展而提供支持和服务。本文将介绍三个与区块链技术和智能金融有关的关键词：智能合约、去中心化金融和联盟链。

智能合约是指基于区块链技术的分布式计算机程序，它可以自动执行特定的条款，从而实现自动化的合同管理。智能合约可以在区块链上储存，并且可以被任何人访问，这使得它们比传统的合同更加安全可靠。此外，智能合约还可以支持更丰富的功能，如自动执行合同条款、自动结算款项等。因此，智能合约可以有效地提高金融服务的效率和安全性。

去中心化金融（DeFi）是一种基于区块链技术的金融服务，它可以让用户实现自我管理和自我维护，并且可以在不受任何中心化机构控制的情况下实现更高的安全性和隐私性。去中心化金融可以支持各种金融服务，如贷款、抵押、交易、存储等，可以让用户更加方便地实现自主金融。此外，去中心化金融还可以实现低成本、高效率的金融服务，从而大大降低金融交易成本。

联盟链是一种分布式账本技术，它可以让多个组织之间共享数据，并且可以实现更高的安全性和可靠性。联盟链可以让多个组织共享一个账本，而不需要将数据暴露给任何第三方，从而可以实现更高的安全性和隐私性。此外，联盟链还可以支持智能合约，从而让多个组织可以实现更有效的协同工作。因此，联盟链可以有效地支持智能金融的发展。

以上就是南京大学区块链研究院和区块链与智能金融研究中心提供的三个与区块链技术和智能金融有关的关键词：智能合约、去中心化金融和联盟链的介绍。这些关键词的发展将为智能金融的发展提供支持，并且可以让金融服务更加安全可靠、低成本、高效率。

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Ⅰ What are the development paths of financial technology in the future

Original title: Analysis of the market status and development trends of China’s financial technology industry in 2019 5G technology brings new impacts and new opportunities

my country’s financial industry Maintaining a leading position in technological development

At the third Fintech and Financial Security Summit jointly sponsored by Zhongguancun Internet Finance Research Institute, China Internet Finance Thirty Forum, and National Training Institutions, Zhongguancun Internet Finance Research The Academy released the "2019 China's Top 100 Financial Technology Competitiveness List".

The research team believes that new technologies such as artificial intelligence, the Internet of Things, cloud computing, and next-generation Internet technology are promoting the development of the financial industry to a new level with their unique penetration, impact, multiplication and innovation. A whole new stage. my country's financial technology development level maintains a leading position, the financial technology market is active, and the scale of industry financing is growing rapidly; the number of outstanding financial technology companies and the amount of financial technology financing are among the best in the world; technological innovation has made great progress. In terms of regional development trends, Beijing, Shanghai, Shenzhen and Hangzhou have become leading cities in the development of financial technology.

my country’s financial technology has entered the fourth stage to start the deep integration of “finance + technology”

Currently, my country’s financial technology has entered the fourth stage, and financial institutions are using big data, cloud computing, New technologies such as blockchain and artificial intelligence innovate and decompose businesses to provide more accurate and efficient financial services. The new generation of information technology is forming an integrated ecosystem and continues to promote the development of financial technology. Traditional financial institutions such as banks and insurance companies rely on new technologies to achieve their own transformation and development. The promotion of finance by technology is no longer limited to shallow aspects such as channels, but has opened up the deep integration of "finance + technology".

In 2018, the scale of China's financial technology market has exceeded 10 billion

Financial technology has cross-market and cross-industry characteristics. The target market not only includes finance, securities, insurance and other industries, but also involves entities. industry. According to statistical data from the "China Financial Industry Innovation Trends and Enterprise Development Strategy Analysis Report" released by the Qianzhan Industry Research Institute, the scale of China's financial technology market in 2018 was estimated to exceed 115 trillion yuan, of which: the market size of intelligent investment advisory and online trading platforms exceeded 51 trillion yuan; the market size of Internet consumer finance and intelligent risk control exceeds 3 trillion yuan; the market size of Internet securities/insurance, quantitative trading tools and other tools exceeds 60 trillion yuan; the market size of financial cloud services and big data credit reporting exceeds 10,000 yuan billion.

By 2020, China’s financial technology market will exceed 157 trillion yuan, of which: the market size of intelligent investment advisory and online trading platforms will exceed 65 trillion yuan; the market size of Internet consumer finance and intelligent risk control will exceed 10 billion yuan. trillion yuan; the market size of Internet securities/insurance and quantitative trading tools exceeds 80 trillion yuan; the market size of financial cloud services and big data credit reporting exceeds 2 trillion yuan.

Statistics and forecasts of China’s financial technology market segments from 2018 to 2020

Data source: Compiled by the Qianzhan Industry Research Institute

Analysis of development trends of China's financial technology industry

The research team believes that financial technology has become a major factor in the financial competition and financial resource layout of various countries in the context of the information age. emerging areas. Looking forward to the future, the development of the financial technology industry will present six major development trends:

1. 5G will bring new impacts and new opportunities to the financial technology industry;

2. The development of the global financial center The focus of competition will be financial technology;

3. Organizational structure adjustment has become a new trend, and financial technology subsidiaries will usher in new development opportunities;

4. Universities will accelerate the construction of financial technology disciplines and curriculum reconstruction to strengthen the training of financial technology talents;

5. Technology will further promote the in-depth integration of technology and finance, and the technological empowerment attributes of financial technology enterprises will be enhanced;

6. Finance Security has gradually become the focus of financial technology development, and the implementation of the “regulatory sandbox” will be accelerated.

II Promoting the comprehensive intelligence of the financial industry, the 2018 Smart Finance Summit analyzes the new process of FinTech

The evolution of financial technology has entered a new stage, and new changes in the market are promoting the emergence of new ways of playing: technology The trend of comprehensive intelligence, all-round identity empowerment, and front-end licensing of licensed institutions has become a definite trend.

Artificial intelligence and blockchain distributed technology have given rise to increasingly intelligent financial services. The new requirements are that competition between single nodes and single technologies is being diluted by the market, while comprehensive and comprehensive hybrid Intelligent financial products and services will have natural competitive advantages, including comprehensive capabilities across the entire chain from technical architecture, risk control, marketing, scenario control, offline operations, etc., so that the market will further become a monopoly.

In addition, with the end of regulatory arbitrage and the fading of demographic dividend, the identity positioning of financial innovation has begun to undergo a fundamental change - regulatory arbitrage and demographic dividend have gradually faded, and it will be difficult for the financial business itself to become an Internet innovative company. The core weapon of the company has gradually transformed into a back-end supplier and enabler of the front-end core.

At the same time, banks, consumer finance companies and other licensed financial institutions have increased their status in the smart finance track and will gradually become mainstream players in the market. With the support of Internet financial technology, the decentralization of the traditional financial system will be broken, and the market will converge towards leading companies.

How to interpret the new characteristics of financial technology and cope with the new requirements of the smart finance stage? On June 15, the [2018 Global Intelligence + New Business Summit - Intelligence + New Finance Summit] jointly organized by Yiou and Shanghai Changning District Youth Federation was jointly organized by the Shanghai Municipal Economic and Information Technology Commission, Shanghai Municipal Commerce Commission, and Shanghai Under the guidance of the Changning District Government, we will jointly promote the evolution of smart finance.

The summit will break down the financial business chain, from the three aspects of capital end, asset end and third-party infrastructure services, we will integrate the intelligence of the financial industry brought by AI technology and blockchain distributed technology, and look forward to the infrastructure and application landscape of the new generation of smart finance.

The guests attending this conference are mainly business executives from licensed Internet banks and consumer finance companies with prominent technological features. Confirmed guests include founder Ye Daqing, Paipaidai Smart Finance Research Institute Dr. Gu Ming, chief executive, Chen Xi from Xiaomi Finance, Kuang Mi, head of Internet business at Huarui Bank, etc.

At the same time, Xinwang Bank President Zhao Weixing, Shanghai Huarui Bank President Zhu Tao, Baixin Bank Vice President and CIO Kou Guan, Lexin CEO Xiao Wenjie, Ping An Financial One Account CTO Huang Yuxiang , Liu Xin, chairman of Baoyin Consumer Finance, and others are also being further confirmed.

In addition, at this event, the "2018 Banking Technology Innovation Industry Analysis Report" written by the Yiou Think Tank Research Institute will also be released, which will provide an in-depth interpretation of financial technology innovation in the banking industry.

For event details and ticket purchases, please click [2018 Global Intelligence + New Business Summit - Intelligence + New Finance Summit]

Ⅲ 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 underwent turbulent changes, and uncertainty increased significantly. China's financial industry encountered huge challenges. Likewise, It was also this year that bank wealth management subsidiaries were born, financial technology empowerment was in full swing, wealth management transformation was surging, and the fund industry ushered in unprecedented opportunities. 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 stepProblems that the financial industry and financial system need 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 issues of international coordination of cross-border data flows.

IV How does Bytom allow multiple assets to circulate on the public chain platform!

The Internet has "bititized" two major symbols of human civilization - text and currency. However, the copyright is still unclear and vulnerable to attack. Information exchange and wealth circulation still rely heavily on centralized organizations, such as Credit granting and credit reporting services.

The underlying logic of Blockchain is to store information in a joint competitive accounting method. Each page of the encrypted ledger is equivalent to a "block", and the transaction review results are stamped with indisputable Tampered timestamps are stored throughout the entire network. This "distributed ledger technology" brings equity ownership and mutual trust among strangers, and brings the dawn of free trading of assets.

As the underlying technology of Bitcoin, why has blockchain become the biggest hit in financial technology? As of June 18, 1 Bitcoin is equivalent to approximately 18,750 yuan, the total market value of global digital assets has exceeded 110 billion US dollars, the types of digital assets have reached 4,321, and there are more than 40 digital currencies with a market value of 100 million US dollars; then, The free circulation between coins, between chains, between digital currencies and legal currencies, and between physical assets and bit assets has become a huge pain point. How can we build a bridge for assets to jump from the atomic world to the bit world? ? Artificial intelligence (AI) is equally hot as blockchain. What kind of sparks will the combination of the two create? This article attempts to explain.

1. The blockchain industry is in full swing, and the “comparative advantages” of domestic entrepreneurs are highlighted

Blockchain was founded by Satoshi Nakamoto in 2008, when he published the foundational paper "Bitcoin: A "A Peer-to-Peer Electronic Cash System" was proposed, and Bitcoin was created by Satoshi Nakamoto to reward participants.Competitors are compensated for accounting by “mining” and receiving bonuses through “Proof of Work” (POW). "Mining" is a process of competing for consensus algorithm capabilities, which requires huge energy consumption. It is worth mentioning that the current four major Bitcoin "mining pools" in the world are mainly concentrated in southwest China and Inner Mongolia.

Any node in the public chain is open. Everyone can participate in the calculations in the blockchain, and everyone can download and obtain the complete blockchain data (all ledgers). As the blockchain itself The security level is improved. In the private chain, many nodes have access rights, and only specific permitted nodes can be publicly accessed.

The emergence of "smart contracts" is to solve the problem of converting legal currency protocols into protocols in the bit world. Smart contracts can accelerate real currency becoming "programmable currency" in the blockchain, and how to use it? Can legal currency be connected to digital currency, thereby connecting the atomic world and the bit world, and promoting the interaction and application of assets between the two worlds? We need “Bytom Chain” to solve this problem.

"Bytom Chain" is created by Babbitt, the largest developer community in the domestic blockchain industry. Compared with other single-asset blockchains, the "Bytom Chain" blockchain interaction protocol is more suitable for complex interactive operations of multiple bit assets such as digital currency, income rights, unlisted equity, debt, etc. based on smart contracts.

China ranks first in the world in terms of investment in financial technology. Blockchain is a track alongside mobile payment, insurance, etc. BAT has deployed blockchain in the past two years, and the network and Circle (cross-platform) (border payment) reached a strategic cooperation, Alibaba cooperated with Ethereum to develop a financial cloud, Tencent's WeBank provides alliance chain cloud services based on Tencent Cloud, etc. As of the end of April 2017, a total of 455 blockchain companies around the world had raised a cumulative financing amount of US$1.947 billion, and there were 61 domestic blockchain entrepreneur financing companies.

The mainstream proof-of-work mechanism (POW) in the blockchain has been criticized for its narrow application range of "hash" calculations, resulting in a huge shortage of mining machines. Idleness and energy waste; Bytom introduces matrix operations and convolution operations into the mining hash process, making mining machines more friendly to artificial intelligence ASICs. The boom in the mining machine market in the blockchain has stimulated the supply chain of ASIC chips for artificial intelligence companies. Eliminated or idle "mining machines" can also be used for AI acceleration.

Conclusion:

Although blockchain is "brain-burning", it does not affect developers' passion for exploration. This is not only the interest appeal of Bitcoin, but also the desire to truly return to the "Internet of Value" that is free, open, and collaborative. Just as Don Tapscott, the father of the digital economy, compared blockchain technology to the "Aladdin's magic lamp" that opens up a well-off society for mankind, with the opening up of public chain platforms for various currencies, chain areas and traditional financial asset transactions was born, the bitification of multi-asset is gradually becoming a reality, and can provide open big data, controllable smart contracts, and mining machine acceleration for artificial intelligence, the era of currency and free assets predicted by Hayek, and that people's investment and transaction of assets will be as convenient as today's online shopping in the future, must be based on the win-win and mutual promotion of artificial intelligence and blockchain technology.

Author: Li Xing, reliable A Xing, technology columnist