区块链用于监管什么,区块链用于监管的是

近年来，区块链技术在金融科技领域的应用越来越广泛，其中，区块链用于监管也是一个重要的话题。本文将介绍三个相关的关键词：区块链监管、智能合约监管和审计监管。

区块链监管，是指利用区块链技术来实现监管的一种方法。区块链是一种分布式账本技术，可以记录所有交易历史，并且不可篡改。因此，利用区块链技术来实现监管，可以有效地防止金融交易中的欺诈行为。此外，区块链技术还可以提高监管的效率，这是因为它可以让金融机构更加便捷地获取客户的信息，从而更容易监管金融交易。

智能合约监管，是指利用智能合约来实现监管的一种方法。智能合约是一种基于区块链技术的电子合约，它可以实现自动执行，不受任何人的干预。因此，利用智能合约来实现金融监管，可以有效地防止金融交易中的欺诈行为。此外，智能合约还可以提高监管的效率，因为它可以让金融机构更加便捷地获取客户的信息，从而更容易监管金融交易。

审计监管，是指利用审计技术来实现监管的一种方法。审计技术可以帮助金融机构更好地了解金融交易，以及对金融交易中的可疑行为进行跟踪。此外，审计技术还可以帮助金融机构更加有效地实施监管，从而防止金融交易中的欺诈行为。因此，审计技术也可以用于实现金融监管，有助于提高金融监管的效率。

从以上内容可以看出，区块链、智能合约和审计技术都可以用于实现金融监管，有助于防止金融交易中的欺诈行为，并提高金融监管的效率。因此，未来，区块链技术将越来越多地应用于金融监管领域，从而促进金融市场的健康发展。

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1. Those technical characteristics of blockchain increase the difficulty of supervision

Many organizations have very sensitive documents, assets or contracts that need to be protected. When data, files or documents are stored, a hash is created for each file. Hashing is like a fingerprint through an algorithm, converting data into a fixed-length output that is unique to each transaction.

In addition to cryptocurrencies, this technology can also reduce transaction costs, reduce the risk of transactions with third parties, and reduce processing times by providing a transparent system for proving one's best interest in other areas. As technology approaches mass acceptance in different sectors, everyone is starting to realize its potential.

Blockchain Notes

Blockchain is not controlled by any person or entity, and the data is completely replicated on multiple computers. Without a single entry point for attackers, data security is more secure.

Data cannot be tampered with. Once it enters the blockchain, no information can be changed, and even the administrator cannot modify this information.

No third parties and accessible. Blockchain is decentralized and helps peer-to-peer transactions, whether it is trading or exchanging funds, without waiting for approval from three parties. Moreover, all nodes in the network can easily access the information. The biggest feature of blockchain is decentralization. Decentralization means that all operations are deployed on distributed ledgers and are no longer deployed on the servers of centralized institutions.

2. The digital currency community must use blockchain technology to supervise itself

The digital currency community must use blockchain technology to supervise itself
What happens in the blockchain Self-policing of illegal actions on the Internet may soon become a necessity for the digital currency community.
Every day in the future, digital currency enthusiasts will likely have to spend time identifying illegal transactions to avoid these things from happening. The U.S. Treasury Department has made a decision that cannot be changed.
A few weeks ago, the U.S. Treasury Department quietly posted a supplement to its FAQs on the website of the Office of Foreign Assets Control (OFAC), the agency responsible for overseeing U.S. economic sanctions. Language in OFAC’s plan to include ‘digital currency’ addresses on its Specially Designated Nationals and Blocked Persons (SDN) list.
This is going to be a big deal.
Banks and businesses of all types should check the SDN list to ensure they are not providing financial services to individuals, organizations and organizations designated as 'blocked' by the United States for involvement in terrorism, nuclear proliferation, theft, human rights abuses and other crimes. government.
Banks can legally freeze property they hold that is on OFAC's list and stop their transactions. If this is not done, the financial penalties may be more severe. While most everyday investors in digital currencies only know a little bit about the world of legal restrictions, operators of any form of financial business know that if you don’t complyLegal management, you can lose business and property in an instant.
Never before has a specific digital currency address or property been listed on OFAC's list, although legal experts have known for years that sending Bitcoin or other digital currencies to anyone on any of the SDN lists It would be illegal for Americans.
However, there is a big difference between closed funds in the financial world and those that can exist in the digital currency field. Peer-to-peer digital currency transactions cannot be blocked and regulated by third parties.
So an OFAC-designated digital currency fund is more likely to bring its external address for review rather than the designated fund itself.
Some experts in the digital currency industry believe that there will be a new era in the designation of digital currency funds; depending on their association with SDN addresses, a token is classified as clean, tainted, or It is an unknown era.
This may cause different price levels of coins on the same blockchain, with clean tokens being more expensive than those that are tainted or of unknown origin, and end the existence of digital currencies. There is substitutability.
The first is that we can expect that blockchain forensic tools will become increasingly valuable and more widely implemented, because digital currency transactions are designed to reduce the risk of users' transactions contaminating currencies.
It’s up to you
However, the most important part of a new era is the review of digital currency transaction addresses by financial institutions, which will be something the digital currency community itself will have to do: routinely block blocks Illegal transactions on the chain.
This is something the digital currency community doesn’t want to hear.
Digital currency experts often point to 'censorship resistance' as the most valuable feature of the technology, which allows anyone to store and send funds without any restrictions on government rights. In theory, this is a very powerful boost for freedom and democracy.
In practice, this technical capability is not extensible under the laws of most financial crime-related jurisdictions. While evading the actions of a corrupt government is a worthy goal, the digital currency community should be aware that remaining passive is ethically unacceptable, yet there is growing evidence of criminals and terrorists taking advantage of community freedoms.
In recent years, anti-money laundering (AML) compliance experts have focused on the conduct of the blockchain industry, encouraging digital currency businesses to go beyond the 'know your customer' (KYC) due diligence required by traditional financial institutions, and through Altering data on the blockchain to perform Know Your Transaction (KYT) analysis.
There are a number of startups that specialize in this kind of blockchain forensic work, working with other law enforcement agencies and corporate clients of large banks to conduct digital currency transactions. The analytics tools of these companies are very effective in fighting crime, but many voices in the blockchain community have criticized this tool-saying that it will anonymize financial transactions on the blockchain.Transaction ---- to destroy privacy. However, much of the information from blockchain forensics is not publicly available. Typically, a corporate or government client is required to access this data.
However, OFAC’s listing of digital currency addresses increases the risk of KYT analysis.
This will be important for everyone involved in digital currency transactions, allowing them to verify the ‘legitimacy’ of the addresses they touch.
Although it is likely that the number of designated addresses will start from the smallest (OFAC will not designate addresses lightly), even a small chance of violating sanctions will bring about a reduced risk of compliance, affecting the token buyers of the civilian community. .
An inadvertent transaction with a banned address, or an address that has been banned by a banned address, will be visible on the public blockchain ledger and may also taint the person's digital currency funds.
The only way to help daily users of digital currencies get out of SDN-affected blockchain platforms is to have real-time AML/KYT to gain insight into the flow of funds from various fund addresses. Judging from the current situation, blockchain analysis is only in silos and is only provided to financial companies and legal departments, so this method is simply impossible to implement.
Centralized AML
We need an open source platform where illegal activity is flagged and defamatory information is censored. We call it centralized AML on the blockchain.
I understand the need. As a researcher at a nonprofit national security think tank, I investigate incidents of digital currencies and illicit financing, such as Bitcoin terrorist financing in the Middle East. Our team used the free and public Blockchain Discovery website to analyze donations from these campaigns.
These tools are not as powerful as mechanisms like governments and banks that can use expensive specialized machine learning and algorithmic tools. Even through rigorous manual tracking and analysis of blockchain activity, I saw addresses that flagged transactions with terrorist funds, and there was no effective way to share my findings on the platform with everyday cryptocurrency users. They can see my 'flags', assess their accuracy as much as possible and keep their addresses uncontaminated.
The industry can help solve the problem
Two years ago, I suggested that cryptocurrency experts should set up their own gatekeeper groups to look for malicious activity on the blockchain, akin to 'white hats' How hackers flag viruses is the same as other cyber threats. The Treasury Department’s plans make it the most important thing now for the digital currency community to establish advocacy for self-regulation.
In addition to aggregating OFAC’s blacklist, a public crowdsourced blockchain AML tool can address an illegal financial threat that directly affects digital currency users: digital currency heists. This would allow victims of extortion or exchange hacks to voluntarily list their extorted or stolen tokens.
Although this does not change theThe funds are transferred back to their rightful owners, but it makes it more difficult to transfer or steal the coins and has long-term consequences for digital currency theft.
Of course, for an AML platform that can self-monitor, there must be a way to review the list, so that inaccurate and illegal information will not be sent out. Otherwise, such a tool could be misused to mistakenly tamper with addresses and then financially persecute innocent people. But implementing AML on a blockchain platform is a more technical way to solve the problem, rather than finding reasons to refuse to find a better way.
The first blockchain protocol, Bitcoin's breakthrough, was designed to decentralize ways to incentivize strangers to complete and affirm the authenticity of global public financial records.
Certainly, with all the attention, time, and money invested in a new product and service, those developing the technology should be able to devise ways to encourage retention of blocks. The chain is clean and untarnished.

3. The future of blockchain is a major trend

Blockchain uses P2P technology, cryptography and consensus algorithms and other technologies, and has the characteristics of data non-tampering, collective system maintenance and information disclosure. Transparency and other properties. Blockchain provides a mechanism for information and value transfer and exchange in an untrusted environment, and is the cornerstone of building the future value Internet.

Trend 1: The application of blockchain industry is accelerating, penetrating and spreading from digital currency to non-financial fields

As a universal technology, blockchain technology has expanded from digital currency to non-financial fields. Accelerate penetration into other fields and integrate innovatively with all walks of life. We believe that future blockchain applications will be driven by two camps. On the one hand, the IT camp starts with information sharing and focuses on establishing credit at low cost, gradually covering areas such as digital assets. On the other hand, the cryptocurrency camp starts from currency and gradually advances to the fields of asset management and certificate depository, and spreads to credit reporting and general information sharing applications.

Trend 2: Enterprise application is the main battlefield of blockchain, and alliance chain/private chain will become the mainstream direction

At present, the actual application of enterprises is concentrated in the field of digital currency, which belongs to virtual economy. We believe that future blockchain applications will move from virtual reality to reality. More traditional enterprises will use blockchain technology to reduce costs, improve collaboration efficiency, and stimulate the growth of the real economy. This will be the main battlefield for blockchain applications in the future.

Unlike public chains, in enterprise-level applications, everyone pays more attention to factors such as blockchain control, regulatory compliance, performance, and security. Therefore, we believe that strong management blockchain deployment models such as alliance chains and private chains are more suitable for enterprises to use in application implementation, and are the mainstream technology direction for enterprise-level applications.

Trend 3: Applications have spawned diversified technical solutions, and blockchain performance will continue to be optimized

In the future, blockchain applications will develop from single to multiple directions. Different applications such as billing, payment, insurance, and supply chain will be highly differentiated in multiple dimensions such as real-time, high concurrency, latency, and throughput. This will lead to a diverse range of technological solutions. We believe that blockchain technology is far from finalized and will continue to evolve in the future. There is room for efficiency improvement in technical aspects such as consensus algorithms, service sharding, processing methods, and organizational forms.

Trend 4: Blockchain and cloud computing are increasingly integrated, and BaaS is expected to become a public trust infrastructure

Cloud computing is the general trend. We believe that the combination of blockchain and cloud is also an inevitable trend. There are two models for the combination of blockchain and cloud, one is blockchain on the cloud, and the other is blockchain in the cloud. The latter one, namely BaaS, Blockchain-as-a-Service, refers to the cloud service provider directly providing blockchain as a service to users. In the future, cloud service companies will increasingly integrate blockchain technology into the cloud computing ecological environment. By providing BaaS functions, they can effectively reduce the deployment cost of enterprise application blockchain and lower the initial threshold for innovation and entrepreneurship.

Trend 5: Blockchain security issues are becoming increasingly prominent, and security protection requires overall technical and management considerations

From a mathematical perspective, the blockchain system is almost perfect. It has the advantages of openness and transparency, difficulty in tampering, reliable encryption, and resistance to DDoS attacks. However, from an engineering perspective, its security is still restricted by infrastructure, system design, operation management, privacy protection, and technology update iterations. In the future, we need to consider the overall situation in terms of technology and management, and strengthen basic research and overall protection to ensure application security.

Trend 6: The cross-chain demand for blockchain is increasing, and the importance of interconnection is highlighted

With the deepening of blockchain applications, payment and settlement, logistics traceability, medical records Enterprises or industries in areas such as identity verification and identity verification will establish their own blockchain systems. We believe that cross-chain collaboration and interoperability among these numerous blockchain systems is an inevitable trend in the future. It can be said that cross-chain technology is the key to blockchain realizing the Internet of Value, and the interconnection of blockchains will become an increasingly important issue.

Trend 7: Blockchain competition is becoming increasingly fierce, and patent competition has become an important area of ​​competition

As the number of participating entities increases, blockchain competition will become increasingly fierce., competition is all-round, including technology, models, patents and other dimensions. We believe that in the future, companies will strengthen their layout in blockchain patents. Since 2014, the number of blockchain patent applications has exploded. Blockchain patents are mainly distributed in the United States in North America, the United Kingdom in Europe, and China and South Korea in Asia. This pattern will be maintained in the future. The patent gap between China and the United States is narrowing, and China’s number of applications in 2016 has surpassed that of the United States. It is foreseeable that the competition for blockchain patents will become increasingly fierce in the future.

Trend 8: Blockchain investment continues to be popular, and the cumulative risks of the token crowdfunding model deserve attention

Blockchain has become a hot spot pursued by the capital market. Future investment will continue the rising trend from 2014 to 2016. Different from financing models in other technology fields, a model called "token crowdfunding" has emerged in the blockchain field, namely Initial Coin Offering (ICO), which is a type of crowdfunding for startups to issue tokens and raise funds. Way. As the transaction volume of token crowdfunding increases, risks such as lack of review, huge value fluctuations, and being on the edge of regulation for many projects will increase, which deserves attention. This afternoon, a group of friends chatted with me privately and asked about the so-called golden chain, which needs to rely on the model of 1 pass 2, 2 pass 4, 4 pass 16 to obtain income. This is an obvious pyramid scheme to attract people, but there are still many people who just Friends who have entered the currency circle and have just learned about blockchain will be deceived. I hope they can understand the essence and be responsible for their own funds!

Trend 9: Blockchain technology and supervision are in conflict, but the contradiction is expected to be further reconciled

The decentralization, disintermediation and anonymity of blockchain are in line with its tradition The corporate management and government regulatory systems are not coordinated. But we should also see the opportunities that blockchain brings to supervision. We believe that in the future, companies will actively cater to regulatory needs and proactively build in regulatory requirements in technical solutions and model designs. They will not only achieve compliant operations, but also significantly save the cost of regulatory compliance. We also believe that in the future, regulatory authorities around the world will also embrace blockchain, a new regulatory technology, and use new technology to improve government regulatory efficiency.

Trend 10: Trustworthiness is the core requirement of blockchain, and the importance of standards and specifications is becoming increasingly prominent

In the future value delivery network based on blockchain, We will use algorithms and software entirely to build a foundation of trust. But we believe that this is far from enough. Standards are also needed to add credibility to the blockchain. In the future, blockchain standards will start from the user's perspective and be business-oriented, standardizing the technology and governance of blockchain from the dimensions of smart contracts, consensus mechanisms, private key security, permission management, etc., and enhancing the efficiency of blockchain. The degree of credibility adds weight to the trust of the blockchain.

Summary

The above are the ten major trends summarized. To summarize, there are four points: First, blockchain is the foundation of the value network and has gradually become an indispensable part of the future Internet. Second, as application scenarios become increasingly abundant, applications will drive the continuous improvement of blockchain technology, and the integration of blockchain and cloud will become increasingly closer. Third, although the blockchain is mathematically complete, there are also security issues. In the future, security needs to be strengthened from the engineering and management levels, and standards are also needed to improve credibility. Fourth, blockchain technology will gradually adapt to regulatory policy requirements in the future and gradually become an important tool for regulatory technology.
Blockchain
technology will be used to supervise the blockchain industry and establish a framework for
financial supervision
from twin peaks to
dual dimensions
. Now blockchain It is developing more and more, and not only in the financial industry.
Changsha High-tech Zone
There is now a SMIC blockchain service platform project initiated by Changsha High-tech Zone. It is a blockchain + public service model and is recruiting enterprises. On the chain

5. How to apply blockchain + environmental management

Just put the situation in various places on the chain and record all the changes. Blockchain makes these data impossible Tampering has achieved efficient and orderly management. There is now a SMIC blockchain service platform project initiated by Changsha High-tech Zone. It is now in the formal operation stage and has been selected as a key blockchain project in Hunan Province. , the next step is to recruit companies to join the chain.

6. In what fields can blockchain be used to play its greatest role?

Blockchain is a decentralized Distributed database technology has the advantages of high reliability, strong security, and non-tamperability, so it can be applied in many fields. The following are some common fields:

Financial field: Blockchain technology can be applied In terms of digital currency, smart contracts, asset management, transaction settlement, etc., it can reduce intermediary costs and improve transaction efficiency and security.

Internet of Things field: Blockchain technology can be used in the Internet of Things Data exchange and value exchange between devices ensure the authenticity and security of data.

Copyright protection field: Blockchain technology can be used for digital copyright protection to ensure that the rights and interests of intellectual property owners are protected .

Social media field: Blockchain technology can be used to establish a decentralized social network platform, and users can independently control their own data privacy and copyright.

Logistics field: District Blockchain technology can be used for data recording and supervision in the logistics process to ensure the safety and accurate delivery of goods.

In general, blockchain technology can be applied to many fields. A trust mechanism can be implementedDecentralization and security, but technology selection and implementation plan formulation need to be made based on specific circumstances.

7. What are the main models used in blockchain credit supervision?

The main models used in blockchain credit supervision are:
1. Using blockchain The technology connects existing credit databases to each other and enables credit data transactions between various institutions.
2. It is to build a distributed database based on blockchain technology as the underlying framework and establish a new credit information ecosystem.

8. Blockchain is so popular, how does it help in P2P application prospects?

Introduction to the help of blockchain in P2P application prospects
Blockchain helps supervision P2P Enterprises
As part of the blockchain, regulatory authorities (central bank, China Banking Regulatory Commission, China Securities Regulatory Commission) can obtain the public ledger of P2P transactions in real time, and obtain the "financial management" projects and fund transfers of each P2P enterprise by analyzing the public ledger. Information, providing low-cost, high-efficiency, and trustworthy regulatory data for P2P industry supervision in real time.
Blockchain can help make the credit reporting of borrowers on online loan platforms more transparent
The main thing that blockchain can solve is the credit problem, so the most promising application of blockchain is in credit reporting. However, there is actually a lot of controversy in the area of ​​credit reporting. After all, credit-related data is very sensitive. Neither credit reporting agencies nor users actually want it to be made public. Data is the lifeblood of credit reporting agencies, and everyone wants others to Make it public and keep it to yourself. Users also don’t want their data to be made public. Of course, if credit information can be made transparent in the future, it will still be very beneficial to P2P investors.
Blockchain can help reduce the cost of online loan transaction structures
For a P2P platform, the monthly cash withdrawal fees for users are also a large expense, but general P2P platforms will Pay for this out of pocket. Applying the powerful online transaction function of blockchain to third-party payment or bank fund custody to complete fast, prepared and transparent transactions is a good thing for P2P platforms.
Blockchain will help the infrastructure construction of the online lending industry
The rapid development of most things is largely due to the improvement of infrastructure. From the current point of view, blockchain technology can be regarded as a very important new infrastructure construction for "P2P" and even the entire Internet financial system, similar to the huge changes that highways have made to the automobile transportation industry and containers have changed the ocean transportation industry.

9. Which technical characteristics of blockchain increase the difficulty of supervision

Characteristics of blockchain:

1. Decentralization. Blockchain technology does not rely on additional third-party management agencies or hardware facilities, and there is no central control. In addition to the self-contained blockchain itself, each node realizes self-verification, transmission and management of information through distributed accounting and storage. Decentralization is the most prominent and essential feature of blockchain.

2. Openness. The foundation of blockchain technology is open source, except for all parties involved in the transactionIn addition to the private information being encrypted, the blockchain data is open to everyone. Anyone can query the blockchain data and develop related applications through the public interface, so the entire system information is highly transparent.

3. Independence. Based on consensus specifications and protocols (similar to various mathematical algorithms such as the hash algorithm used by Bitcoin), the entire blockchain system does not rely on other third parties. All nodes can automatically and securely verify and exchange data within the system without the need for any human intervention.

4. Security. As long as you cannot control 51% of all data nodes, you cannot manipulate and modify network data at will. This makes the blockchain itself relatively safe and avoids subjective and artificial data changes.

Blockchain

Blockchain (BlockChain) technology is a method that uses a decentralized consensus mechanism to maintain a complete, distributed The technology of a formal, non-tamperable ledger database allows participants in the blockchain to implement a unified ledger system without establishing a trust relationship. The block is a public ledger and is maintained at multiple points; the chain is stamped with timestamps (Timestamps) and cannot be forged.

There is a database behind all current systems, which is a big ledger. Then who will keep this ledger becomes very important. Now it’s whoever owns the system who keeps the accounts. Each bank’s account books are kept by each bank, and Alipay’s account books are kept by Alibaba. But now in the blockchain system, everyone in the system has the opportunity to participate in accounting.

Reference for the above content: Network--Blockchain

10. The reasons why more than 20 companies are regulated for "taking advantage of" blockchain hotspots

Blockchain As the popularity persists, it is not uncommon for listed companies to try to "take advantage of the hot spots". Among them, many listed companies have attracted the attention of regulators. On March 19, Yinjiang Co., Ltd. issued an announcement stating that it had received a letter of concern from the Shenzhen Stock Exchange, requesting clarification on whether there was any motive for speculating on the hot concept of blockchain to speculate on the stock price.

The relevant regulatory authorities of the Shanghai Stock Exchange attach great importance to this and organize analysis and judgment as soon as possible. According to the analysis of the Shanghai Stock Exchange, some companies are suspected of actively "posting hot topics" and self-announced that the company's business scope involves "blockchain", typical examples are Youjiu Games and Shangying Global.

In response, the Shanghai Stock Exchange adopted a morning emergency suspension of the company's shares and issued a letter of inquiry to the company, requiring the company to explain in detail whether it caters to market hot spots, whether relevant behaviors are in violation of regulations, and to fully warn of risks and verify insider information. trade.