金融科技 区块链,金融区块链技术服务

近年来，随着金融科技发展的不断提升，区块链技术也逐渐成为金融行业的一种重要技术手段。区块链技术的出现，为金融行业带来了极大的改变，使得金融机构能够更加高效、安全地进行金融服务。因此，金融区块链技术服务的拓展也受到了金融机构的高度重视。

一、区块链技术服务的安全性：区块链技术是一种分布式记账技术，它能够将数据安全地存储在多个节点中，并使用加密技术对数据进行保护，从而保证数据的安全性。此外，区块链技术还可以防止数据被篡改，使得金融服务更加可靠。

二、区块链技术服务的便捷性：由于区块链技术的出现，金融服务可以实现去中心化，使得金融服务变得更加便捷。金融机构可以利用区块链技术来实现资产的全球流通性，使得金融服务能够更快更方便地提供给消费者。

三、区块链技术服务的成本效益：区块链技术的出现，可以大大降低金融机构的运营成本，使得金融服务变得更加经济实惠。此外，区块链技术还可以增强金融机构的效率，从而使得金融服务更加有效率。

总之，金融区块链技术服务的拓展受到了金融机构的高度重视，它可以提高金融服务的安全性、便捷性和成本效益，为金融行业带来极大的变革。

1. Bank of Beijing has established a financial technology subsidiary, and the banking sector empowerment craze is coming

Recently, the mobile payment network learned that Bank of Beijing has established a financial technology subsidiary-Beijing YIN FINANCIAL TECHNOLOGY LIMITED. It is understood that Beiyin Financial Technology Co., Ltd. is a 100% holding subsidiary of Beiyin Real Estate Co., Ltd., which in turn is a 100% holding subsidiary of Bank of Beijing.

According to Mobile Payment Network, Beibin Financial Technology is positioned as a technology enterprise that innovates new technologies and applies financial technology such as big data, artificial intelligence, cloud computing, blockchain, and the Internet of Things. The perfect integration of scenarios and ecology, output of technologically innovative products and technical services. It will provide digital and intelligent financial technology comprehensive services to Bank of Beijing, small and medium-sized banks, private enterprises, and Internet users, encourage innovation, bold attempts, win-win cooperation, and continuously explore product innovation, service innovation, and industry innovation models.

However, Beijing Bank Financial Technology was not established recently. It was established as early as August 8, 2013. It was previously named Beijing Jinghui Investment Management Co., Ltd. and was changed to Beijing Jinghui Investment Management Co., Ltd. on August 24, 2018. BIB Financial Technology.

Bank of Beijing’s financial technology journey, from cooperating with technology companies to establishing technology subsidiaries

The ruler is short but the inch is strong, although the bank is weaker than the Internet in terms of technology companies, but they are better than Internet companies in terms of customer resources, and they understand financial business and regulatory rules better than Internet companies. Therefore, if banks want to use financial technology to realize the process of interconnection and transformation and upgrading, it will undoubtedly be the best choice to first cooperate with Internet companies with relatively mature technology and long-standing practice.

It is understood that before the establishment of Beijing Bank Financial Technology, Bank of Beijing had cooperated with various Internet technology companies.

On April 29, 2015, Bank of Beijing and Tencent signed a cooperation agreement. The two parties will cooperate in the fields of Beijing Medical Link project, third-party payment, retail finance and other fields.

At the beginning of 2017, Bank of Beijing adopted Megvii’s intelligent financial industry solution and launched facial recognition technology in some branches. At the same time, in Bank of Beijing’s direct banking and credit card online business, Kuangvii The company also provides OCR and face recognition technology support.

On November 22, 2017, Bank of Beijing and JD Finance signed a cooperation agreement. The two parties will cooperate in payment interoperability, product co-construction, marketing and promotion, etc., and jointly create rich data models. Bank of Beijing will become The first financial institution to jointly model risk control with JD Financial.

Bank of Beijing not only cooperates with technology companies, but also explores financial technology itself and wants to export technology. On June 20, 2018, Bank of Beijing established Technology FinanceIntegration innovation center, so the establishment of a financial technology subsidiary by the Bank of Beijing is also expected.

The reasons why banks established financial technology companies, external pressures and their own factors

In recent years, Internet giants such as Alibaba, JD.com, and Dotcom have all removed their financial labels and declared to the outside world that they are positioning technology companies. To serve financial institutions, in the face of the next round of financial technology competition, banks are also reversing their passive situation and beginning to take the initiative and actively transform. They are setting up financial technology companies one after another to export technology to the outside world. Commercial banks are setting off a wave of establishing financial technology companies. To date, China Construction Bank, China Everbright Bank, China Minsheng Bank, Bank of Beijing and other banks have established financial technology companies.

Why do banks set up financial technology subsidiaries one after another, and what are their intentions? Mobile Payment Network believes that this may be due to two factors:

1. External pressure

As Internet companies intervene in the financial services industry starting with payment and wealth management, commercial banks’ Business has been impacted to a certain extent, and under the influence of factors such as restrictions on traditional expansion models and intensified financial disintermediation, commercial banks urgently need a flexible response method to deal with it. Transforming to financial technology is undoubtedly the best choice. Because the establishment of a financial technology subsidiary can not only help banks realize the transformation of financial technology, but also complete the self-generating function of the new company, export technical services to the outside world, and achieve profitability.

2. Own factors

Before banks establish technology subsidiaries, each bank actually has its own technology department or R&D center, which is responsible for the bank’s information construction and management. For example, in the early days of CCB Financial Technology Co., Ltd., a subsidiary of China Construction Bank, China Construction Bank transferred nearly 3,000 employees from seven development centers and one R&D center directly under the original head office to its company.

It can be seen from this that there are so many people and departments responsible for banking technology, so the size and complexity of the banking organization can be imagined. Therefore, there will definitely be a certain amount of coordination and communication between departments. problems and difficulty. If this technical department is separated into a company and operated separately, it will be more convenient to manage.

According to Zeng Gang, deputy director of the National Finance and Development Laboratory, financial technology business is different from the traditional business of banks. Independent operation makes it easier to attract more professional talents and quickly acquires professional management advantages and R&D advantages. , incentive mechanism, etc.; on the other hand, before such subsidiaries operate independently as a department in the commercial banking system, other small financial institutions are prone to distrust issues when accepting technology output. After independence, there were “firewalls” and confidentiality mechanisms in place, which made it easier for small financial institutions to accept it.

Another most important point is that setting up a company to operate independently can strip out the cost of trial and error. Because technological innovation meansContinuous trial and error is carried out, and the cost of trial and error is not low. Setting up a technology subsidiary that is relatively smaller than a bank can quickly make adjustments once problems arise.

Overview

In short, the transformation of banks to financial technology is mostly from the inside to the outside. First, they use technology to serve the inside of the bank, and then realize the export of technology to serve the outside. . With the development of science and technology, bank business is also evolving, and it will be more convenient for people to handle business, and eventually the goal of handling business without any supervision will be achieved. By then, banks will become more like technology companies rather than ordinary people. bank in the sense. According to the "Review and Future Prospects of China's Listed Banks in 2017" report released by Ernst & Young, technology-led and technology-driven development has become a consensus in the banking industry. It is foreseeable that in the future, more banks will transform and upgrade in the direction of financial technology, and more banks will set up financial technology companies.

This article is published with the authorization of the author and does not represent the position of Mobile Payment Network. Please indicate the author and source when reprinting. Mobile Payment Network reserves the right to pursue corresponding responsibilities for those who do not reprint in accordance with the regulations.

2. CreditEase Puhui: Promoting the normalized application of blockchain technology and empowering the development of financial technology

Recently, it was pointed out in the “14th Five-Year Plan” outline that it is necessary to comprehensively Promote innovation in blockchain technologies such as smart contracts, consensus algorithms, encryption algorithms, and distributed systems, focus on alliance chains to develop blockchain service platforms and application solutions in areas such as financial technology, supply chain management, and government services, and improve regulatory mechanisms.

It can be seen that blockchain application innovation has officially become one of the national strategies and will definitely have a significant impact on the financial industry. Under such a situation, financial institutions are accelerating blockchain-related exploration and promoting blockchain technology to play a greater role in the financial field. Next, follow CreditEase Puhui to learn about blockchain-related knowledge!

What is blockchain

Blockchain is a chained data structure that combines data blocks in a specific order in chronological order. Records of all transactions since the birth of the system are stored. The data on the blockchain is jointly maintained and stored by nodes throughout the network, and cryptography ensures that the block data cannot be tampered with or forged. So the blockchain is essentially a distributed shared database.

Blockchain is an innovative application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, and encryption algorithms in the Internet era. It is an information technology solution that solves trust problems and reduces trust costs. . The application of blockchain technology can eliminate traditional trust intermediaries, subvert the old centralized model that has existed for thousands of years, solve the trust problem between strangers without the need for centralized trust intermediaries, and significantly reduce the cost of trust. Trust costs.

How blockchain can solve the pain points of supply chain finance

Supply chain finance is based on core customers, based on the real trade background, and uses self-reimbursement trade financing. Comprehensive financial products and services are provided to upstream and downstream enterprises in the supply chain through professional means such as accounts receivable pledge registration and third-party supervision to close capital flows or control property rights.

The foundation of supply chain finance is the supply chain. The supply chain involves information flow, capital flow, logistics and business flow, and is naturally a multi-subject and multi-collaboration business model. In this case, if you want to carry out trade financing, you will first encounter many authenticity issues, such as the authenticity of the transaction and the authenticity of the documents, which require confirmation by multiple parties and consume a lot of manpower and material resources; secondly, the multiple entities involved , there is a problem of difficulty in interconnection. For example, the supply chain management system, enterprise resource management system, and even financial system used by each entity are different, making docking difficult. Even if they are connected, it will be difficult to share information due to inconsistent data formats and data dictionaries.

Characteristics of blockchain

1. Decentralization

The distributed structure of blockchain means that data is not recorded and stored in the center. Instead of using a dedicated computer or host, each node participating in the data transaction records and stores all data information. To this end, the blockchain system uses an open source, decentralized protocol to ensure complete recording and storage of data. The blockchain has built a complete set of protocol mechanisms, allowing each node in the entire network to participate in recording data while also participating in verifying the correctness of the recording results of other nodes. Only when most nodes (or even all nodes) in the entire network confirm the correctness of the record will the data be written into the block. In the distributed structure network system of the blockchain, the network nodes participating in the recording will update and store all data in the entire network system in real time. Therefore, even if some nodes are attacked or destroyed, the data update and storage of this system will not be affected.

2. Unforgeable

The principle of blockchain recording requires all nodes participating in the recording to jointly verify the correctness of the transaction record. Since all nodes are recording every transaction in the entire network, once the information recorded by a node does not match that of other nodes, other nodes will not recognize the record, and the record will not be written into the block.

3. Non-tampering

It is almost impossible to change a certain block and the transaction information within the block. If this block is changed, every subsequent block will be changed. Therefore, anyone trying to tamper with the data must simultaneously invade at least 51% of the nodes participating in the global record and tamper with the data.

Mathematical Encryption

Each transaction requires a valid signature before it will be stored in the block. Only valid digital keys can generate valid signatures. Keys come in pairs and consist of a private key and a public key. Among them, the public key is public, and the private key is only visible and used by the owner, and is used for transaction signatures to prove digital identity.

What are the advantages of introducing blockchain?

First, to solve the problem of information islands, multiple stakeholders can set rules in advance to accelerate data interoperability and information sharing;

Second, according to property rights law , Electronic Contract Law, Electronic Signature Law, etc., the accounts receivable certificates of core enterprises can be converted into transferable and bankable confirmation certificates through the blockchain, so that the credit of core enterprises can be transmitted along trusted trade links. Based on mutual confirmation, the entire certificate can derive various operations such as splitting and traceability;

Third, provide credible trade data, such as providing an online basis under the blockchain architecture Tightly structured and complete records of contracts, documents, payments, etc. improve information transparency and achieve penetrable supervision;

Fourth, achieve cost reduction and efficiency improvement. After the credit of the core enterprise is transferred, small and medium-sized enterprises can use the credit line of the core enterprise to reduce financing costs and improve financing efficiency;

Fifth, realize smart liquidation of contracts. Automatic clearing and settlement based on smart contracts reduces manual intervention, reduces operational risks, and ensures the safety of repayment.

CreditEase Puhui believes that blockchain supports commercial applications with high performance, high scalability, and high security, provides financial technology companies with multi-level data security and privacy protection, and supports automatic monitoring and failure Alerts help track all transactions that occur in the system and contribute to the healthy and orderly development of the financial technology industry.

3. What exactly is the recently popular financial technology?

According to the definition of the Financial Stability Board (FSB), an international authoritative organization, financial technology refers to the financial transformation brought about by technology. Innovation, which can create new models, businesses, processes and products, can include both front-end industries and back-end technologies.
Fintech is based on a series of technological innovations such as big data, cloud computing, artificial intelligence, and blockchain, and is fully applied in six major financial fields including payment and settlement, loan financing, wealth management, retail banking, insurance, and transaction settlement. , is the mainstream trend of the financial industry in the future.
Fintech in a narrow sense refers to innovative financial activities by non-financial institutions that use mobile Internet, cloud computing, big data and other technologies that can be applied in the financial field to reshape traditional financial products, services and institutional organizations. Non-financial institutions engaged in financial technology generally have the characteristics of low profit margins, light assets, high innovation, large scale, and easy compliance. Financial technology in a broad sense refers to the application of technological innovation in the financial business field.
FinTech, with data and technology as its core driving force, is changing the ecological landscape of the financial industry. The International Financial Stability Board issued its first special report on fintech in March 2016, which provided a preliminary definition of "fintech", that is, fintech refers to financial innovation brought about by technology, which can create new business models. , applications, processes or products that have a significant impact on financial markets, financial institutions or the way financial services are provided.

4. How to view financial technology and technology finance

The views on financial technology and technology finance are:

1. Financial technology:

The technology involved in financial technology has the characteristics of rapid iteration, cross-border, and mixed industry. It is the superposition and integration of cutting-edge disruptive technologies such as big data, artificial intelligence, and blockchain technology with traditional financial businesses and scenarios. It mainly includes four core parts: big data finance, artificial intelligence finance, blockchain finance and quantitative finance.

Financial technology focuses on the acquisition, storage, processing, analysis and visualization of financial big data. Generally speaking, the core technologies of financial big data include the basic underlying layer, data storage and management layer, computing processing layer, and data analysis and visualization layer.

Applications of financial technology:

Intelligent financial technology in financial technology uses big data and artificial intelligence technology to help the traditional financial industry Save labor costs and reduce employee duplication of work. Some areas of my country's artificial intelligence technology research, such as algorithm research, are already at the forefront of the world. Using this power to develop financial technology will be more conducive to combining it with practical problems and ultimately improving the production efficiency of financial institutions.

With the popularization of big data finance, Internet finance and blockchain technology, the application and development of financial technology can allow more people, especially the poor, to obtain finance at a lower cost and more conveniently. services and share more tangible reform results.

5. The overall plan for the Beijing Free Trade Zone was announced, and what measures will be taken in financial innovation

On September 21, the State Council issued a notice on the issuance of the overall plan for the Beijing Free Trade Pilot Zone and the Zhejiang Free Trade Zone. Notice on the regional expansion plan of the Trade Pilot Zone. In terms of promoting financial technology innovation, we will support the implementation of major financial technology projects around payment and settlement, registration and custody, credit rating, asset transactions, data management and other links, and support the use of technological means to improve financial infrastructure service levels. Give full play to the role of the financial technology innovation supervision pilot mechanism, and steadily carry out financial technology innovation on the premise that it is conducive to serving the real economy, risks are controllable, and the legitimate rights and interests of consumers are fully protected.

Support the Digital Currency Research Institute of the People's Bank of China to establish a financial technology center, build a legal digital currency pilot zone and a digital financial system, and rely on the People's Bank of China's trade finance blockchain platform to form a trade finance blockchain standard system and strengthen Regulatory innovation. Build a financial technology application scenario pilot area and establish an application scenario release mechanism.

(5)Financial Technology and Blockchain Center Extended Reading

Optimize the full-process talent service system

Explore and formulate hierarchical and classified talent attraction policies in the overall plan of the Beijing Free Trade Zone. Pilot a foreign talent quota management system and explore a recommendation-based talent introduction model. Optimize the approval process for foreigners’ work permits and residence permits in China. Adopt the "online + offline" model to establish a one-stop service window and service site for the entire chain.

Explore the establishment of a past qualifications recognition mechanism to allow qualified professionals with overseas professional qualifications in finance, architectural design, planning and other fields to apply for work and residence permits in accordance with regulations and provide services in the area after filing , their overseas working experience can be regarded as the same as their domestic working experience. For medical expenses incurred by overseas talents, a pilot project for real-time settlement between hospitals in the region and international insurance will be launched. Explore and optimize labor security services under non-standard forms of employment.

6. Why Hong Kong needs to develop blockchain technology and applications

In the context of the world’s major financial centers continuing to increase their attention to blockchain technology, the Hong Kong Financial Services Development Council ( Recognizing the importance of understanding and developing this technology, the FSDC (FSDC) released a report on Tuesday urging the Hong Kong government to establish a financial technology office to focus on researching blockchain technology.

The committee concluded: "Hong Kong needs to fully commit to DLT now to ensure its place in a world that may be completely different in the future."