传统金融和区块链金融结合,传统金融和区块链金融的区别

近年来，传统金融和区块链金融越来越多地被结合在一起，两者的区别也变得更加明显。本文将介绍传统金融、区块链金融和结合金融三个关键词，帮助读者更好地了解它们之间的区别。

传统金融是指在中央银行和商业银行之间以及它们与客户之间的金融交易。传统金融是一种中央化的金融体系，它依赖于中央银行的政策，例如利率政策，以及商业银行的服务，例如贷款和存款服务，来帮助客户实现资金的转移和使用。

传统金融的主要优势在于它的可靠性和安全性。由于它是一种中央化的金融体系，所有的交易都受到中央银行的监管，从而保证交易的安全性。此外，由于中央银行的参与，传统金融的利率也更加稳定，从而给客户带来更多的可靠性。

区块链金融是指利用区块链技术来实现的金融服务，它是一种去中心化的金融体系。区块链金融的主要特点是去中心化，它不依赖于任何中央机构或机构，而是通过区块链技术实现分布式的金融服务。

区块链金融的主要优势在于它的透明度和安全性。由于区块链技术的使用，所有的交易都被记录在区块链上，从而保证了交易的透明度和安全性。此外，由于没有中央机构的参与，区块链金融也更加灵活，从而给客户带来更多的便利。

结合金融是指利用传统金融和区块链金融的优势，将它们结合在一起，实现更高效的金融服务。结合金融的主要特点是它可以利用传统金融的可靠性和安全性，同时也可以利用区块链金融的灵活性和透明度。

结合金融的主要优势在于它可以结合传统金融和区块链金融的优势，从而实现更高效的金融服务。例如，结合金融可以更快地实现资金的转移，同时又具有更高的安全性和稳定性。此外，结合金融还可以更好地满足客户的需求，从而提高客户满意度。

以上就是传统金融、区块链金融和结合金融三个关键词的不同之处。传统金融依赖于中央银行的政策，具有可靠性和安全性；区块链金融是一种去中心化的金融体系，具有透明度和安全性；而结合金融则可以结合传统金融和区块链金融的优势，实现更高效的金融服务。

❶ What is blockchain technology and how it changes business and financial models

Blockchain technology is a distributed ledger technology. It allows multiple participants to jointly maintain a secure, transparent and immutable record on a decentralized network. Blockchain technology was originally designed for the digital currency Bitcoin, but is now widely used in many other fields.

The core features of blockchain technology include:

Decentralization: Blockchain has no central control agency, and data is distributed on various nodes in the network, which makes it decentralized. The centralization feature reduces the risk of single points of failure.

Transparency: Transaction records on the blockchain are public to all participants, and anyone can view these records. This helps increase trust and reduce the risk of fraud.

Immutable: Once a transaction is recorded on the blockchain, it cannot be easily modified or deleted. This guarantees data integrity and security.

Smart contracts: Transactions on the blockchain can be automatically executed to implement "smart contracts", which automatically execute corresponding operations when specific conditions are met. This helps simplify complex business processes and reduce costs.

Blockchain technology has had a profound impact on business and financial models, which is mainly reflected in the following aspects:

Reducing costs: Blockchain technology can reduce intermediary links and reduce costs. Transaction costs and operating costs. For example, by adopting blockchain for cross-border payments, remittance fees can be significantly reduced.

Improve efficiency: The automation and smart contract features of blockchain technology help improve the efficiency of business processes, reduce manual intervention, and reduce error rates.

Enhance trust: The transparency and non-tamperability of blockchain technology help to establish a reliable trust system, reduce the risk of fraud, and provide better protection for business activities.

Innovative business models: Blockchain technology has spawned many new business models, such as decentralized finance (DeFi), digital asset trading, supply chain finance, etc. These new business models have brought disruptive changes to existing industries.

In short, blockchain technology, as an emerging technical means, is gradually changing the landscape of business and finance. With the continuous development of technology and the in-depth promotion of applications, blockchain is expected to have a more extensive and far-reaching impact in the future

❷ Application of blockchain in the financial field

1. Application and development of blockchain

Some Internet, Internet start-ups and traditional financial industries have begun to try to apply blockchain in some projects

2. Domestic financial institutions test the waters of blockchain

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

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

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

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

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

6.

❸ Briefly describe how blockchain finance operates the securities and fund business of wealthy people

Traditional financial institutions such as banks, securities, and insurance Since the development of the company, it has been huge in size, has a solid model, and is highly centralized, which has led to the formation of information barriers between various organizations, reduced communication efficiency, and significantly increased costs. The information Internet brought about by the first digital revolution gave birth to an emerging Internet financial system, which is committed to broadening the circulation channels of funds and realizing point-to-point communication between supply and demand. The current mature information Internet only realizes the digital transmission of information, and blockchain can build a value Internet that digitally transmits value based on its decentralization, non-tampering, openness and transparency, privacy protection and other characteristics, leading the second digital revolution. Open a new chapter in Internet finance.

❹ How to apply blockchain

For blockchain and traditional IT and data technologies, I believe that the future development of blockchain technology must be "integration".

1) Traditional financial IT companies:

Blockchain technology can be quickly adopted by financial IT and insurance companies due to its outstanding technical characteristics of openness, transparency, uniqueness, safety and reliability. Applications in the IT field.

2) Traditional IT sharing companies:

The core capabilities of blockchain are mutual trust and sharing, so it is easy to be fully integrated with the concept of the sharing economy and then applied.

3) Traditional IT technology companies:

Blockchain will become part of the computer cloud services and big data of traditional IT companies. Nowadays, multinational IT companies are making great efforts in security and analysis, and all these services can be built on the basis of blockchain.

4) In addition, blockchain also has great complementary advantages in the field of AI companies. Blockchain is a new type of distributed database technology, so blockchain technology can solve problems in AI applications. Regarding the issue of data credibility, with blockchain technology, AI can focus more on algorithms.

However, I feel that blockchain technology is still in its infancy and needs time to be researched and verified. The final opportunity to defeat the enemy is always reserved for those who are prepared!

❺ What is the difference between DeFi in blockchain and traditional finance?

What is the difference between DeFi in blockchain and traditional finance?

Traditional finance:

Traditional finance mainly refers to financial activities that only have the three traditional businesses of deposits, loans and settlement. The broad life cycle cost also includes usage costs, waste costs, etc. incurred by consumers after purchase. Simply put, finance is the financing of funds.

Challenge traditional finance and build the Farad ecosystem



1. Vision - Targeting professional investors around the world who have investment allocation needs in the secondary market of digital currency Perform services





2. What is D eFi?



DeFi, the full name is Decentralized Finance, which is "decentralized finance" or "distributed finance". "Go to the center"Decentralized finance", as opposed to traditional centralized finance, refers to various financial field applications established in open decentralized networks. The goal is to establish a multi-level financial system based on blockchain technology and cryptocurrency. Re-create and improve the existing financial system.



3. The difference between DeFi and the traditional financial system:

Difference 1: Survival Conditions

The survival conditions of the traditional financial system depend on the financial environment, national policies, international situations, and the strength and authority of large financial institutions. Affected by various factors, the possibility of collapse is high. Once it collapses, the impact Huge. Such as the collapse of the historic Lehman Brothers, and the country is no exception. The collapse of Venezuela’s monetary system; the U.S. subprime mortgage crisis of 2008-2009, when the government and private lenders lent trillions of dollars to high-risk borrowers loans or mortgages, the consequences are catastrophic. These have a devastating impact on tens of thousands of people, and once the trust system collapses, comprehensive measures need to be taken to save it and prevent the chain reaction it brings .

In contrast, a decentralized financial system lives or dies by the strength of its protocols, cryptography, and smart contracts. The impact of external factors is minimized.

Difference 2: How to apply for a loan

In traditional finance, the process of applying for a loan is as shown in the figure:

In this system, traditional finance uses personal information as a reference as the criterion for judging, and gives The largest subjective trust criterion.

But in Defi, the entire process is completely automated and decentralized.

Difference 3: How credit ratings are generated
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Credit ratings under traditional finance rely heavily on subjective evaluations and are cumbersome. After a series of background asset investigations, credit ratings are still highly uncertain. Coupled with the impact of the economic cycle, under the boom cycle Lending institutions speculated wildly, ignored risks, and pushed risks to the extreme. During the depression cycle, the review system was strengthened to the extreme, but those who needed loans most were excluded. The shortcomings exposed in the two contexts were the assessment of credit ratings. You cannot lend money to the most needy and valuable people.

So, the disadvantages of traditional finance:

1. In order to control risks, rely on subjective review and trust Under the system, there are not enough conditions to accurately assess the credit rating of a huge population.

2. Due to national/geographical/policy restrictions, the traditional financial model cannot provide individuals and companies with the world’s most reliable financial services. Personal and corporate lending channels with good credit or history.

3. Traditional financial modelThe strictness of the system has given rise to models such as loan sharking that do not produce a virtuous cycle of development for the market economy; if investors of all sizes want to become lenders, the usual model is to purchase stock assets.

In order to build an environment with a lower risk index and enable more people to use lending equally, Farad hopes to perform a parallel function: they pool assets and make them available to borrowers. The main business implemented is similar to a bank's "mortgage lending". Users can mortgage their assets in the agreement to obtain annualized returns, while the lender of the assets needs to pay corresponding interest.

4. Farad operating mechanism



Farad is a decentralized asset management platform. To learn more, please click https://www. farad.vip/