同济区块链研究院,同济苏州项目
同济区块链研究院是一家专注于区块链技术研究的学术机构，致力于推动区块链技术的应用和发展。同济苏州项目是一个专注于推动苏州区块链产业发展的项目，旨在搭建苏州区块链产业发展的政策环境，促进苏州区块链技术的应用和服务。
今天，我们就来聊聊同济区块链研究院和同济苏州项目的三个关键词：区块链技术、苏州区块链产业和政策环境。
区块链技术是一种分布式数据库技术，它使用分布式账本技术，通过对数据进行加密，使用共识机制来确保数据安全性，可以构建出一个安全、可信、可改变的数据网络。它被广泛应用于金融、物联网、智能合约、数据共享等领域，可以大大提升数据安全性、可信性和可改变性，改变传统的中心化模式，实现数据的共享和交易。
苏州区块链产业是指以苏州为中心的区块链产业，包括区块链技术的研发、应用、服务等。苏州的区块链产业正在迅速发展，苏州已经成为中国区块链产业的重要发展中心，也是国内外企业投资区块链技术的重要基地。苏州已经拥有了一个完善的区块链产业发展环境，具备了先进的区块链技术、优秀的人才和良好的政策环境，为区块链产业的发展提供了有力的支撑。
政策环境是指政府政策对区块链产业发展的影响。政策环境的好坏直接影响着区块链产业的发展，政府政策的支持和引导是区块链产业发展的有力推动力。苏州的政策环境对区块链产业的发展非常有利，政府支持区块链技术的研发和应用，并为企业投资区块链技术提供了良好的政策环境。
以上就是同济区块链研究院和同济苏州项目的三个关键词：区块链技术、苏州区块链产业和政策环境的介绍，希望能够为大家带来一些帮助。
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A. What are the surrounding facilities of Suzhou Lingyu Business Plaza Community?
Address of Lingyu Business Plaza Community: No. 66, Qinglonggang Road, Xiangcheng District (Xiangcheng).The transportation supporting resources within 1KM of the surrounding straight line include high-speed rail Suzhou North Station, Dawan, high-speed rail new town Yuanrong Plaza east, high-speed rail new town Yuanrong Plaza, Qinglonggang Road Lugang Street, Beijing-Shanghai high-speed rail Suzhou North Station, Qinglonggang Road, Xiangcheng Avenue East, High Speed Rail Suzhou North Station East, Hu Lane, Dawan Bridge), etc.
There are 7 educational resources within 2KM of the straight line (Suzhou Tongji Blockchain Research Institute Co., Ltd., Nanjing Normal University Suzhou Experimental School, Suzhou Jiaoyun Automobile Driver Training Co., Ltd., Xiangcheng District Lumu Auto Transport Co., Ltd. Car Driving Training venues for drivers, Fangcaodi Training Center, Lumu Driving School Training Ground, Weixin Children's Art Training Center), etc.
The surrounding commercial facilities of Lingyu Business Plaza include: (Fan Wenhua (Yuanrong Shopping Center Xiyuzheng Store), Wanhui Plaza, Yuanrong Shopping Center (Nantiancheng Road Store), Super Bookstore (Yuanrong Shopping Center Store), Super Bookstore (Yuanrong Shopping Center), Migrant Home Supermarket, Meilehui Lifestyle Supermarket, Trust-Mart Shopping Center), etc.
Click to view more: Detailed information of Lingyu Business Plaza Community
B. Which cities are included in the digital currency pilot program and how to choose them
January 29, 2017 , the central bank officially established the Digital Currency Research Institute. After successfully developing a legal digital currency prototype, the Central Bank Digital Currency Research Institute attempted to deploy institutions in multiple locations across the country and realize financial development technology research results through integration with R&D institutions and industries. In 2018, the Central Bank’s Digital Currency Research Institute settled in Nanjing and Shenzhen. In 2019, the central bank’s digital currency publicly announced that it would be piloted in Shenzhen, Suzhou, Chengdu, and Xiongan.
1. Shenzhen is the largest city in my country with the youngest population. Its diverse and inclusive culture has created the qualities of Shenzhen people who are innovative and dare to be the first in the world. Shenzhen’s mature financial technology ecosystem and developed economic environment also enable it to fulfill the country’s mission of reform and innovation and explore new paths for digital currency development.
2. In 2017, Suzhou Tongji Blockchain Research Institute settled in Suzhou High-speed Railway New City. After two years, the team independently developed the alliance chain "Wutong Chain", becoming the first independent, secure and controllable underlying blockchain platform in China with corresponding technological maturity, and was the first to be successfully used in many fields.
3. Blockchain has also provided a lot of new help in creating Suzhou’s government environment and the field of “delegation, regulation and services”. Currently, Suzhou is working hard to build a demonstration city for typical blockchain applications.
4. It is understood that there are currently 420 blockchain information service companies registered with the State Internet Information Office. Among the 20 registered companies in Jiangsu Province, 6 are in Suzhou. Lay out the blockchain and build a smart city. The waters of Suzhou, the city of koi, in the Yangtze River Delta contain swimming ropes.
5. The digital economy is developing rapidly, and Chengdu has provided strong support for the implementation of the central bank’s digital currency scenario. worldThe earliest banknotes that appeared in the world were the "Jiaozi" issued in Chengdu, Sichuan during the Northern Song Dynasty in China. Starting from the paper currency Jiaozi, to the current digital currency DCEP, Chengdu, a city rich in history, has reason to bring digital currency to the world like Jiaozi once did.
6. Xiongan New Area, a digital urban forest cultivated from seed, is naturally suitable for the central bank’s digital currency pilot. Xiongan on the top, Shenzhen on the bottom, Chengdu on the left, and Suzhou on the right. We look forward to piloting the central bank’s digital currency in these four places and growing flowers that will spread around the world.
C. How about Suzhou High-speed Railway New City Big Data Industry Development Co., Ltd.
Introduction: Suzhou High-speed Railway New City Big Data Industry Development Co., Ltd. is a big data industrial park operator. Located in Xiangcheng District, Suzhou, it is a wholly state-owned company dedicated to promoting the development of the big data industry in Xiangcheng District. The company's main business is the operation of mass entrepreneurship platforms, the introduction of technology projects and fund investment. It currently covers big data, cloud technology, intelligent manufacturing, Internet of Things, blockchain, medical health, e-commerce, film and television culture, financial technology and other fields. At present, the high-speed rail new city has gathered nearly 40 big data companies, including Ziguang Digital, New H3C, JD Cloud City, ZTE, Tongji Blockchain, Brick, Meishengyuan, Semiconductor Gene, and Feiyin Technology’s key big data companies. Key enterprises and scientific research institutes have already settled in the area.
Legal representative: Chen Guoping
Establishment date: 2017-06-02
Registered capital: 300 million yuan
Industrial and commercial registration number: 320507000333121
Enterprise type: limited liability company (Sole proprietorship of legal persons)
Company address: No. 58, Nantiancheng Road, High-speed Railway New Town, Suzhou
D. In which cities should digital currencies be tried out and why should these cities be chosen?
At the beginning of 2014, The Central Bank of China has established a special research group on legal digital currency to demonstrate the feasibility of the central bank’s issuance of legal digital currency. On January 29, 2017, the central bank officially established the Digital Currency Research Institute. After successfully developing a legal digital currency prototype, the Central Bank Digital Currency Research Institute attempted to deploy institutions in multiple locations across the country and realize financial development technology research results through integration with R&D institutions and industries. In 2018, the Central Bank’s Digital Currency Research Institute settled in Nanjing and Shenzhen. In 2019, the central bank’s digital currency publicly announced that it would be piloted in Shenzhen, Suzhou, Chengdu, and Xiongan.
01
Shenzhen has supported digital currency research since 2016.
On October 6, 2017, the Xiongan New Area Management Committee held a special meeting to study big data managementInstitutional mechanisms and the basic ideas for the construction of "Digital Xiongan", and fully promote the construction of "Digital Xiongan". Not long after the meeting was held, various companies took notice and worked hard to build Xiongan New Area into a "testing ground" for innovation.
On October 14, 2017, Peng Yijie, vice president of Ant Financial and partner of Alibaba Group, and his delegation went to Xiongan New Area to report on the blockchain construction plan. Peng Yijie’s evaluation of Xiongan New Area was: building blocks The best soil for the chain. On November 8 of the same year, Xiongan New Area held a matchmaking meeting with Alibaba Group. Alibaba and Ant Financial will undertake the construction of the digital Xiongan blockchain infrastructure platform and are expected to be the first to test the waters in the rental scenario.
On November 23, 2017, Tencent and Xiongan New District signed a financial technology strategic cooperation agreement. The two parties established the Tencent (Xiongan) Financial Technology Laboratory to pilot a big data risk control system in the new area, based on Tencent Cloud’s blockchain services and other financial black technologies.
On April 21, 2018, Hebei Xiongan New Area released the "Hebei Xiongan New Area Planning Outline" proposing to develop high-end high-tech industries and advance the development and testing of blockchain, terahertz, cognitive computing and other technologies. . Blockchain was written into the "Hebei Xiong'an New Area Planning Outline". A technology with far-reaching influence and far-reaching influence began to grow together with a rising digital city that shoulders a historical mission.
On June 8, 2018, China Academy of Information and Communications Technology and Xiongan New Area signed a strategic cooperation agreement. The two parties will build a scientific research base in the field of information and communications in Xiongan New Area and provide development strategic planning, standards and policies for the construction of the new area. Formulate and other comprehensive support services, focusing on building a comprehensive service platform for Beijing-Tianjin-Hebei high-tech innovation and mass entrepreneurship and innovation demonstration base in the fields of 5G, industrial Internet, artificial intelligence, blockchain, network security, military-civilian integration, and Internet of Vehicles to promote industrial innovation develop.
On June 28, 2018, Xiongan New Area and 360 Group officially signed a strategic cooperation. 360 Group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields, Provide comprehensive network security services to build a safe and reliable "Digital Xiongan".
On July 23, 2018, China Xiongan Group signed a memorandum of understanding with the blockchain technology company ConsenSys. ConsenSys founder Joseph Lubin and others proposed to China Xiongan Group on how to use blockchain technology. Suggestions, hoping to apply its knowledge and experience in the blockchain ecosystem to Xiongan’s projects and support Xiongan’s innovative development model.
On December 21, 2018, Bank of Communications Hebei Xiongan Branch was unveiled. The branch will rely on the professional R&D team and strong R&D strength of the head office, and rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms to continuously innovate financial business models and contribute to building a green and smart Xiongan. , Digital Xiongan will make greater contributions.
On May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of Industrial and Commercial Bank of China, opened in Xiongan New Area, becoming aThe headquarters of a banking and financial technology company located in Xiongan New District. ICBC Technology and the Xiongan New Area Administrative Committee signed the "Financial Technology Cooperation Memorandum". The Xiongan New Area Administrative Committee officially launched the operation of the Xiongan relocation and resettlement fund management blockchain platform. It will apply ICBC's blockchain technology to realize expropriation and relocation. Full-process on-chain management of original file migration and penetrating fund allocation.
On December 25, 2019, Everbright Bank and China Xiongan Group Digital City Company jointly built a "Digital Financial Technology Laboratory" in Xiongan New Area, which will be based on the strategic needs and informatization construction of Xiongan New Area. Guide and gradually create a highland for blockchain commercial application research, technological innovation and talent training.
On March 31, 2020, the Xiongan Blockchain Laboratory was officially unveiled. The Xiongan Blockchain Laboratory has three major goals: to become a new highland for blockchain research and application, and to become an open Cutting-edge innovation base, exploring new models of laboratory economy. On the third anniversary of the establishment of Xiongan New Area, the Xiongan Blockchain Laboratory has special significance. This marks that the Xiongan New Area’s blockchain innovation practice has entered the stage of organization and large-scale implementation, marking that the Xiongan New Area’s digital The simultaneous planning and construction of urban and physical cities has opened a new chapter.
Xiong’an New District, a digital urban forest cultivated from seed, is naturally suitable for the central bank’s digital currency pilot. Xiongan on the top, Shenzhen on the bottom, Chengdu on the left, and Suzhou on the right. We look forward to piloting the central bank’s digital currency in these four places and growing flowers that will spread around the world.
E. Excuse me, are non-independent branches and the head office considered one company?
For a branch that is not even economically independent, all rights and obligations are determined by the head office. After all, the branch and the head office are originally one company, and the name of the branch is mainly for management convenience in terms of personnel arrangements, which means it is independent and subject to jurisdiction.
F. How to detect the risk level of blockchain smart contracts
With the acceleration of the digital transformation of Shanghai city, blockchain technology has been widely used in government affairs, finance, logistics, justice, etc. It has been widely used in many fields. During the application process, not only new business forms and business models have been born, but also many security issues have arisen, so security supervision is particularly important. As one of the important means of supervision, security evaluation has become a focus of many blockchain R&D manufacturers and application companies. This article talks about some of our exploration and practice on the blockchain compliance security assessment that everyone is concerned about.
1. Blockchain technology evaluation
Blockchain technology evaluation is generally divided into functional testing, performance testing and security evaluation.
1. Functional testing
Functional testing is a test of the basic functions supported by the underlying blockchain system, with the purpose of measuring the capabilities of the underlying blockchain system.
Blockchain functional testing is mainly based on GB/T 25000.10-2016 "System and Software Quality Requirements and Evaluation (SQuaRE) Part 10: System and Software Quality Model", GB/T 25000.51-2016 "SystemIn accordance with standards such as Software Quality Requirements and Evaluation (SQuaRE) Part 51: Quality Requirements and Testing Details for Ready-to-Use Software Products (RUSP), verify whether the software under test meets the requirements of relevant testing standards.
Blockchain function testing specifically includes networking methods and communication, data storage and transmission, encryption module availability, consensus function and fault tolerance, smart contract function, system management stability, chain stability, privacy protection, and interoperability , account and transaction types, private key management solutions, audit management and other modules.
2. Performance testing
Performance testing is a type of test implemented and executed to describe the performance-related characteristics of the test object and evaluate it. Most of them are used in project acceptance evaluation to verify the established Whether the technical indicators are completed.
Blockchain performance testing specifically includes high-concurrency stress test scenarios, peak impact test scenarios, long-term stable operation test scenarios, query test scenarios and other modules.
3. Security Assessment
Blockchain security assessment mainly conducts security testing and evaluation of account data, cryptography mechanisms, consensus mechanisms, smart contracts, etc.
The main basis for blockchain security evaluation is "DB31/T 1331-2021 General Requirements for Blockchain Technology Security". You can also refer to standards such as "JR/T 0193-2020 Blockchain Technology Financial Application Assessment Rules" and "JR/T 0184-2020 Financial Distributed Ledger Technology Security Specifications" based on actual testing needs.
Blockchain security assessment specifically includes storage, network, computing, consensus mechanism, cryptography mechanism, timing mechanism, personal information protection, networking mechanism, smart contracts, services and access, etc.
2. Blockchain Compliance Security Assessment
Blockchain compliance security assessment generally includes “Blockchain Information Service Security Assessment”, “Network Security Level Protection Assessment” and “Special Funding Projects” "Acceptance Evaluation" three categories.
1. Blockchain information service security assessment
Blockchain information service security assessment is mainly based on the "Blockchain Information Service Management Regulations" issued by the Cyberspace Administration of China on January 10, 2019 (hereinafter referred to as "Regulations") and refer to the national blockchain standard "Blockchain Information Service Security Specification (Draft for Comments)".
The "Regulations" aim to clarify the information security management responsibilities of blockchain information service providers, standardize and promote the healthy development of blockchain technology and related services, avoid blockchain information service security risks, and provide blockchain Provide effective legal basis for the provision, use and management of information services. Article 9 of the "Regulations" states: Blockchain information service providers that develop and launch new products, new applications, and new functions must report to the national and provincial, autonomous region, and municipality Internet Information Offices for security assessment in accordance with relevant regulations.
The "Blockchain Information Service Security Specification" is led by the Institute of Information Engineering, Chinese Academy of Sciences, Zhejiang University, China Electronics Technology Standardization Institute, Shanghai Information TechnologyA national standard for building and evaluating the security capabilities of blockchain information services jointly written by the Security Evaluation and Certification Center and other units. The "Blockchain Information Service Security Specification" stipulates the security requirements that blockchain information service providers of alliance chains and private chains should meet, including security technical requirements and security assurance requirements as well as corresponding test and evaluation methods, and is suitable for guiding blockchain Chain information service security assessment and blockchain information service security construction. The security technical requirements and guarantee requirements framework proposed by the standard are as follows:
Figure 1 Blockchain information service security requirements model
2. Network security level protection evaluation
The main basis for network security level protection evaluation includes "GB/T 22239-2019 Basic Requirements for Network Security Level Protection" and "GB/T 28448-2019 Network Security Level Protection Evaluation Requirements".
As an emerging information technology, the application system built by blockchain is also an object of level protection and needs to be evaluated for level protection in accordance with regulations. The general requirements for level protection security evaluation are applicable to the evaluation of the infrastructure part of the blockchain, but currently there are no specific security requirements for the blockchain. Therefore, the expansion requirements for blockchain security evaluation still need to be further explored and studied.
3. Special fund project acceptance evaluation
According to the relevant regulations of the Municipal Economic and Information Technology Commission, information technology special fund projects are required to issue a safety evaluation report during project acceptance. The acceptance evaluation of blockchain application projects will be carried out in accordance with Shanghai’s latest blockchain local standard "DB31/T 1331-2021 General Requirements for Blockchain Technology Security".
3. Exploration and practice of blockchain security assessment
1. Standard preparation
Shanghai Assessment Center actively participates in the preparation of blockchain standards. Led by the Shanghai Evaluation Center, Suzhou Tongji Blockchain Research Institute Co., Ltd., Shanghai Qiyin Information Technology Co., Ltd., Shanghai Moheng Network Technology Co., Ltd., the First Research Institute of Telecommunications Science and Technology and other units participated in the preparation of the blockchain local standard " DB31/T 1331-2021 "General Requirements for Blockchain Technology Security" was officially released in December 2021 and will be officially implemented on March 1 this year. The blockchain national standard "Blockchain Information Service Security Specification", which the Shanghai Assessment Center participated in the preparation of, is in the stage of soliciting opinions.
At the same time, the assessment center also participated in the compilation of primary and intermediate textbooks for blockchain engineering technicians organized by the Ministry of Human Resources and Social Security and led by Tongji University, and was responsible for compiling the chapter "Testing the Blockchain System".
2. Project Practice
In recent years, the Shanghai Assessment Center has conducted a large number of blockchain security assessment practices based on relevant technical standards, including grade protection assessment, information service security assessment, project security assessment, etc. In the evaluation practice, the main security issues discovered are as follows:
Table 1 Blockchain is mainly a security issue
Serial number
Evaluation items
Problem description
1
TotalRecognition algorithm
The consensus algorithm uses Kafka or Raft consensus, which does not support Byzantine fault tolerance and does not support malicious behavior of nodes.
2
On-chain data
On-chain sensitive information is not encrypted, and all data on the chain can be accessed through the query interface or blockchain browser.
3
Cryptographic Algorithm
The random numbers used in the cryptographic algorithm do not meet the randomness requirements of GB/T 32915-2016.
4
Node Protection
For the alliance chain, security protection measures failed to be configured for the area where the node server is located.
5
Communication transmission
When communicating between nodes, the blockchain and upper-layer applications, no secure information transmission channel has been established.
6
Consensus Algorithm
The number of nodes deployed in the system is small, and sometimes the number of fault-tolerant nodes required by the consensus algorithm is not even reached.
7
Smart Contract
The operation of the smart contract is not monitored, and problems that arise during the operation of the smart contract cannot be discovered and dealt with in a timely manner.
8
Services and Access
Upper-layer applications have access control flaws such as unauthorized and unauthorized access, leading to business confusion and data leakage.
9
Smart Contract
Smart contract coding is not standardized. When an error occurs in the smart contract, the smart contract freezing function is not provided.
10
Smart Contract
The running environment of smart contracts is not isolated from the outside, and there is a risk of external attacks.
3. Tool Application
When the evaluation center organized and compiled the "DB31/T 1331-2021 General Requirements for Blockchain Technology Security", it has considered the connection needs with the graded protection evaluation. The "infrastructure layer" security in DB31/T 1331 is consistent with the relevant requirements of the secure physical environment, secure communication network, security area boundary, secure computing environment, security management center, etc. of level protection, "protocol layer security", "extension layer" "Security" more reflects the unique security protection requirements of the blockchain.
Based on the relevant security requirements of DB31/T 1331, the assessment center is organizing and compiling extended blockchain assessment requirements. The relevant results will be applied to the network security level protection assessment tool - Assessment Expert. By then, evaluation institutions using the "Evaluation Expert" software will be able to conduct blockchain security evaluations accurately, standardly and efficiently, discover blockchain security risks, and put forward corresponding rectification suggestions
G. Digital Currency Which is the leading stock?
The leading digital currency stock
The leading digital currency stocks are: 1. Hengbao Shares: the stock code is 002104. 2. China Radio and Television Express: the stock code is 002152. 3. Xinkaipu: The stock code is 300248. 4. Xinguodu: The stock code is 300130.
5, Radio and Television Express: stock code is 002152.
1. Hengbao Co., Ltd. (002104): The company's mobile payment card has entered the mobile payment market of the three major telecom operators, including both 2.4G and 13.56M frequency bands, digital The issuance of currency directly benefits the company.
2. Radio and Television Express (002152): On March 23, 2016, the company stated in an interactive statement that the company has been paying attention to the development trend of digital currency for a long time. Focusing on the industry development needs of digital currency, the company has established a special team to carry out relevant work. Including research on blockchain technology.
3. Xinkaipu (300248): The main business of the stock company is to provide customers with overall solutions and personalization of smart card systems that integrate multiple functions such as identity recognition, micro-payment, resource management and control, and information integration. Customized services and the issuance of digital currency directly benefit the company.
4. Xinguodu (300130): In August 2011, the shareholders' meeting agreed that the company and Junbao Investment would jointly invest 218.08 million yuan in the construction of the "Electronic Payment Technology Suzhou R&D Base Project" in Suzhou.
Expand information
Generally, the industry will only emerge after full competition. At the beginning, it was a mixed bag.
The central bank will officially launch digital currency in the next few months. Initially, it will be issued to the Industrial and Commercial Bank of China (601398,) , China Construction Bank, Bank of China (601988), Agricultural Bank of China, Alibaba, Tencent and UnionPay.
In view of the large size of these companies and little hype value, the real leaders of digital currency will be born among the following three companies
1. Feitian Integrity (300386): developed a "digital wallet" that can be used to save digital currency.
The company stated that it will actively cooperate with relevant institutions to participate in digital currency and other blockchain technology businesses;
2. Sifang Jingchuang (300468): In recent years, it has continued to deploy related technologies in the field of virtual banking and digital currency. Research and development;
3. Gao Weida (300465): A partner of Ant Financial, the second largest shareholder is UnionPay Technology. The company has been paying attention to business opportunities in digital currency and blockchain.
Currently there are no real leaders, and some are just hype, and they are unreliable hype. If you want to hype the concept, then Hang Seng Electronics, Zhongke Jincaike Lan Software Digital Technology Xinchen Technology Huijin Technology Hengyin Financial Yingshisheng, etc. can be speculated
The leading stocks of digital currencies include Digital Certification, Julong Shares, Radio and Television Express, Covid, Felixin, Legg Mason Culture, Sifang Jingchuang, Kelan Software, Yuyin Shares, Radio and Television Express, etc. .
1. Digital authentication: The company is a cooperative unit of the State Cryptozoology Bureau and conducts research on some cryptographic technologies related to digital currency.
2. Yuyin Shares: Total market value: 7.886 billion.
In terms of digital currency, the company pays attention to the progress of central bank digital currency and established a digital currency research center to conduct application research on digital currency transaction processing on intelligent devices.Combining its own advantages in encryption and decryption, biometric identification, and secure data transmission, it develops digital currency software wallets and hardware wallets.
3. Radio and Television Express: Total market value: 34.271 billion.
The company is actively promoting digital currency-related research and development, including the issuance and exchange of digital currency on self-service devices, digital currency wallets, and the application of digital currency in gates and self-service vending machines.
4. Gao Weida: The company is one of China's leading financial information software products and comprehensive service providers, and has digital currency technology reserves.
H. Review of the work of the Hualue Financial Research Institute in 2019
On the afternoon of February 25, 2019, at the invitation of the Shanghai Financial Work Party Committee, Zhao Yongchao, Executive Director of the Financial Research Institute and Relevant responsible comrades attended the Shanghai Financial Talent Base temporary job training work mobilization meeting. Hualue Think Tank·Shanghai Urban Innovation Economy Research Center was included in the second batch of Shanghai financial talent practice bases. Hualue Think Tank·Shanghai Urban Innovation Economy Research Center actively participated in and cooperated with this work and provided temporary positions for this temporary training work. It was affirmed by the Municipal Financial Work Party Committee and sent a special letter of thanks.
At the meeting, the person in charge of the Municipal Financial Work Party Committee announced the list of the second batch of financial base practice bases, arranged the next work tasks, and proposed to the recommending units, temporary personnel, and practice bases to do a good job in " It adheres to the requirements of "Two Ones" and hopes that temporary employees can build a bridge of friendship between the recommended unit and the practice base to promote friendly exchanges and cooperation between the two parties. Finally, the first batch of outstanding temporary employees shared their growth and gains during their temporary employment days.
On April 26, 2019, the 2018 Yangtze River Delta Financial Development Research Report (White Paper) jointly sponsored by the Financial Research Institute of Hualue Think Tank and the Shanghai Lujiazui Financial City Development Bureau was released and the underlying technology of blockchain and The industrial application seminar was successfully held at the Lujiazui Shanghai Center in Shanghai and concluded successfully. With the theme of "Financial Era, Technology at the Top", the conference guests had in-depth discussions on the financial integration of the Yangtze River Delta, the innovative development of the financial technology industry, and blockchain financial application cases. The venue received an enthusiastic response.
At the meeting, Zhao Yongchao, executive director of the Financial Research Institute of Hualue Think Tank, gave an in-depth interpretation of the "Financial Era: 2018 Yangtze River Delta Financial Development Research Report (White Paper)". This white paper is an in-depth summary of the financial development and innovation of the 29 core cities in the Yangtze River Delta in the context of the accelerated integration of the Yangtze River Delta.
At the meeting, the strategic cooperation between the Financial Research Institute of Hualue Think Tank and the Tongji Blockchain Research Institute was signed. Since its establishment, the Financial Research Institute of Hualue Think Tank has successively undertaken a number of major projects in Shanghai, the Yangtze River Delta and relevant local governments across the country, covering financial center construction, financial industry development, digital financeTechnology, financial open innovation, and emerging financial supervision are key areas. In the future, both parties will give full play to their respective advantages and carry out in-depth cooperation in areas such as blockchain industry cases, blockchain industry talent training, and blockchain policy consultation meetings.
On May 16, Zhao Yongchao, Executive Director of the Financial Research Institute of Hualue Think Tank, and Zhang Jiaxu, a researcher, visited Wuhu City and Xuancheng Local Financial Supervision and Administration Bureau of Anhui Province for investigation. During the investigation, the Institute of Financial Research presented the "Financial Era - 2018 Yangtze River Delta Financial Development Research Report (White Paper)" to Xu Liyang, deputy director of the Wuhu Financial Supervision Bureau, and Zhang Chuanqi, deputy director of the Xuancheng Financial Supervision Bureau, and discussed the financial integration of the Yangtze River Delta. They exchanged and shared the development status of Shanghai’s financial center and the measures taken by various localities to connect with the construction of Shanghai’s financial center.
On the afternoon of May 18, the Chengnan New District of Yancheng City, Jiangsu Province integrated into the Yangtze River Delta Modern Financial Industry Investment Fair (hereinafter referred to as the "Yan Fair") was held in Yancheng. The conference was hosted by the Yancheng Chengnan New Area Management Committee. The event attracted nearly a hundred financial institutions of all types from Shanghai, Nanjing, Suzhou, Hangzhou and other places in the Yangtze River Delta. The Financial Research Institute of Hualue Think Tank was invited to attend the Salt Fair. Zhao Yongchao, executive director of the Financial Research Institute of Hualue Think Tank, delivered a speech at the symposium and put forward his ideas and expectations for the integration of Chengnan New District and Yancheng City into the Yangtze River Delta integration.
On May 30, Zhao Yongchao, Executive Director of the Financial Research Institute of Hualue Think Tank, and Zhang Jiaxu, a researcher, went to Taizhou Local Financial Supervision and Administration Bureau for investigation. During the investigation, Zhang Jianyu, deputy director of the Taizhou Financial Supervision Bureau, led a delegation from the Financial Research Institute to visit the Taizhou Industry and Finance Comprehensive Service Center, introduced the development process and achievements of the Taizhou National Financial Comprehensive Reform Pilot Zone, and demonstrated Taizhou on-site The online operation scenario of the city’s integrated industry and finance service platform.
From June 5th to 10th, Zhao Yongchao, Executive Director of the Financial Research Institute of Hualue Think Tank, and his delegation visited Nanjing Local Financial Supervision Bureau, Ningbo Local Financial Affairs Office, Shaoxing Municipal Government of Zhejiang Province Conduct research in financial work offices and other places.
On the afternoon of June 26, 2019, Tongji Blockchain Research Institute, the Blockchain Branch of China Institute of Electronics, and People’s Daily People’s Digital held the “2019 Wutong Chain Ecological Summit” in Shanghai, aiming to introduce the independent, safe and controllable Wutong Chain industry ecological technology and application results and development plans, and work with partners in the Wutong Chain ecosystem to explore the independent and controllable development path of the blockchain, and jointly create China's independent and controllable enterprise-level blockchain industry ecosystem.
This summit invited academician Chai Hongfeng, academician of the Chinese Academy of Engineering, chairman and director of the National Engineering Laboratory for E-commerce and Electronic Payment, chairman of the Shanghai Big Data Financial Innovation Center, and president of the Yingfan Research Institute. Professor Fei Fangyu, a professor at Shanghai Jiao Tong University, and Dr. Wolfgang Rainer Wagner, managing director of TUEV Saarland Certification (Shanghai), attended and gave keynote speeches. Hualue Think Tank Financial Research Institute was invited to attend the summit as a strategic partner of Tongji Blockchain Research Institute.
At the meeting, the "Wutong Chain" Innovative Application Case Collection jointly compiled by the Financial Research Institute of Hualue Think Tank and the Tongji Blockchain Research Institute was officially released. The case collection includes the application scenarios and practical operations of the "Wutong Chain" blockchain underlying technology in multiple industries, providing a meaningful application reference for the application and development of blockchain technology.
On July 2, Zhao Yongchao, Executive Director of the Financial Research Institute of Hualue Think Tank, and his delegation went to the Cooperation and Exchange Office of the Shanghai Municipal People's Government to discuss "Taking Advantages of Cooperation and Exchange and Sharing the Spillover Effects of the CIIE with Brother Provinces and Cities" Research" and conduct a project report. Experts such as Yu Hongsheng, deputy director of the Departmental Economic Research Institute of the Shanghai Academy of Social Sciences, Li Zhiwei, deputy director of the Municipal Government Research Office, and Chen Qunmin, director of the Shanghai Municipal People's Government Development Research Center, attended the meeting.
On July 2, Zhao Yongchao, Executive Director of the Financial Research Institute of Hualue Think Tank, and his delegation went to the Shanghai Pudong New Area Financial Services Bureau to discuss the promotion of Shanghai International Finance in Pudong during the "14th Five-Year Plan" undertaken by the Ministry of Finance. Conduct research on the goals and path research topics of the center’s construction. During the survey, the two parties discussed how to promote the construction of Shanghai as an international financial center during the "14th Five-Year Plan" period from aspects such as attracting investment, serving scientific and technological enterprises, assisting financial innovation, and stabilizing financial risks, as well as the leaders' concerns.The reform and opening up was restarted and the implementation of several requirements such as "opening up factors to opening up rules" was discussed.
After the meeting, relevant leaders introduced the information management system of the Yangtze River Delta Capital Market Service Base newly developed in Pudong New Area to the research group. The two parties had in-depth exchanges on the goals of benchmarking international financial centers, promoting the integration of the Yangtze River Delta, and coordinating the construction of science and technology innovation centers.
On July 10, 2019, Ren Xinjian, director of Hualue Think Tank, and He Sihan, chairman of Shengsheng Zhiyuan Investment Holdings Co., Ltd., signed a strategic cooperation agreement. Both parties will focus on core customers based on the principles of complementary advantages and resource sharing. , carry out all-round cooperation in the fields of subject research, consulting services, talent services, training services, forums and summits, etc.
On August 1, 2019, Zhang Jianpeng, Chief Staff Officer of the Financial Development Coordination Office of the Shanghai Local Financial Supervision Administration, and his delegation visited Hualue Think Tank to discuss the basics of the "14th Five-Year Plan" for the construction of Shanghai International Financial Center. Ideas to hold a seminar. Ren Xinjian, director of Hualue Think Tank, Zhao Yongchao, executive director of the Institute of Financial Research, and researchers Cheng Yiren and Zhang Jiaxu attended the reception.
At the meeting, the two parties fully discussed the new domestic and international economic and financial trends faced by Shanghai during the "14th Five-Year Plan" period, the opportunities and challenges, development directions and breakthroughs faced by Shanghai in building an international financial center. Dean Zhao also introduced the recent key work and research results of the Institute of Finance. Leaders present affirmed this and hoped that both parties will continue to deepen cooperation and jointly provide wisdom and suggestions for the construction of Shanghai as an international financial center.
I. Will third-party payment die after the emergence of digital currency
Digital RMB sounds like a science fiction concept, but it has quietly become a reality.
On the evening of October 8, 2020, the Shenzhen Internet Information Office’s official Weibo announced that in order to promote the construction of the Guangdong-Hong Kong-Macao Greater Bay Area and in conjunction with local consumption promotion policies, the Shenzhen Municipal People’s Government and the People’s Bank of China have recently launched a digital RMB red envelope pilot. This means that the digital renminbi has taken an important step forward in its practical application.
When talking about digital currencies, we usually think of private currencies such as Bitcoin that rely on blockchain technology. But there are essential differences between the two.
Digital currency researcher Yang Jun introduced to Times Finance that cryptocurrencies such as Bitcoin are basically decentralized, illegal, and non-legal, and therefore pose greater risks. The central bank's digital currency is the same as banknotes, centralized, legal tender, and backed by national credit.
In terms of usage patterns, digital RMB is more similar to existing third-party mobile payments.But it has the advantages of higher credit endorsement, stronger privacy management, and more advanced payment methods.
Yang Jun analyzed that in the future, digital renminbi will have a huge impact and challenge on existing third-party payment methods.
It can be said that digital renminbi has “already arrived”
For digital renminbi, the central bank has already made plans. In 2016, the central bank established a digital currency research institute. At the end of 2017, with the approval of the State Council, the central bank organized some commercial banks and related institutions to jointly develop a digital renminbi system (DC/EP). In April 2020, the digital renminbi conducted internal closed pilot tests for the first time in Shenzhen, Suzhou, Xiongan, Chengdu and future Winter Olympics scenes.
Zhang Jinxi, chairman of Yimi Holdings Co., Ltd., director of the Guangdong Creative Economy Research Association and initiator of the blockchain industrial smart park, told Times Finance that the last closed test was relatively limited in terms of personnel and usage scenarios. It is to test the performance of the digital renminbi.
“The first is technical feasibility and security, the second is the performance of high-frequency payment exchange, and the third is the convenience and friendliness of payment.” Zhang Jinxi said.
J. Fraud in the name of blockchain, and blockchain has become the "signature" of pyramid schemes.
Recently, fraud in the name of blockchain technology has been on the rise. potential. Some self-media and illegal coin issuance companies in the currency circle have become active again, using social software to promote tokens in an attempt to fish in troubled waters. Investing 100 yuan can earn 1 million. Have you ever seen this kind of profit return? What is talked about every night has been packaged as a "hen that lays golden eggs" because of the lofty concept of "blockchain". In real life, it has been exploited by criminals and succeeded repeatedly.
Blockchain has become the “signature” of MLM fraud
The popularity of blockchain technology has also led to some criminals who use the name of blockchain to commit MLM fraud. The line is back from the ashes. Guo Yuhang, chairman of the China Blockchain Application Research Center, told reporters that when he was conducting research in a province in central China recently, officials from the financial department of the province revealed that more than 40 illegal fund-raising cases under the banner of blockchain have been investigated and dealt with locally. The amount involved in one case was as high as more than 2 billion yuan.
Not long ago, a sports APP that claimed to be “developed based on blockchain technology” was investigated by relevant departments in Changsha City, Hunan Province. This software has been accused of being a "typical pyramid marketing model" and is the result of combining traditional MLM methods with new concepts such as "blockchain" and "big health".
Similar cases have occurred frequently this year. Fraud cases implemented in the name of blockchain have been uncovered in Suzhou, Yancheng and other places in Jiangsu Province. The police in Hengyang City, Hunan Province uncovered a fraud case in May this year. The criminal gang used blockchain as a gimmick to issue worthless "air coins" and raised nearly 350 million yuan worth of Ethereum.
In the exposed cases of pyramid schemes and fund-raising fraud under the guise of blockchain, the characteristics of "pulling people's heads" are very obvious. They often take advantage of the public's unfamiliarity withBlockchain has heard of the psychology of Bitcoin’s “wealth creation myth”, which puts a “fashionable” cloak on illegal activities, promising low investment, high returns, and higher returns for offline development. Those who do not know the truth are easily deceived.
Industry experts said that although "Air Coin" may actually use blockchain technology, the purpose of issuance is too grand, such as "human health" and "reconstructing business models", and is almost useless. possible. Once investors are trapped and funds accumulate to a considerable amount, the project issuer will have a high probability of running away, and investors will lose their money. The resonance model that is popular in the currency circle in 2019 is a typical example. Typical projects with resonance models such as CXC and VDS have appeared in many places in my country, and many users have not recovered their own costs of funds invested. With the subsequent regulation, it is only a matter of time before these projects are liquidated.
With this phenomenon of bad money driving out good money, we have to look beyond the appearance to see the essence
“There cannot be an equal sign between blockchain and Bitcoin, obviously it is not the same. It is not the same as 'getting rich'." Many industry insiders emphasized to reporters that blockchain is an underlying technology, and a number of digital currencies such as Bitcoin were born based on this technology, but they cannot be confused together because of this. Discovering the truth requires penetrating the fog. In addition to increasing the popularization of blockchain knowledge so that the public can understand and identify pyramid schemes disguised as "blockchain", more importantly, supervision must also keep pace with the times. Although the supervision of digital currency speculation, spam issuance, and pyramid schemes has never been relaxed in recent years, traditional supervision methods currently face considerable difficulties due to the complexity of the blockchain concept and its legal blankness.
Experts pointed out that it is necessary to strengthen the application of regulatory technology. Most MLM projects in the name of blockchain will frequently spread and leave traces on the Internet. With the help of existing financial technology supervision methods, it is possible to detect and investigate in time.
Of course we can’t kill them all with one stick. We also need to learn how to distinguish the pros and cons of blockchain projects
There are good and bad in blockchain, and there are good and bad, so We must also be good at discovering high-quality projects and passing inferior projects. How to spot spam projects?
Significant characteristics of junk projects: For example, CXC, VDS, and the investigated Qubu Bao make money without losing money, attracting people to develop offline. Although many normal cryptocurrencies also need marketing and promotion, they also need publicity. The project has advantages and hopes to be known and used by more people, but publicity is publicity, and we will never promise to make a profit without losing any money, let alone promote it in a way that attracts people's hair to grow offline. But for empty shell MLM coins, the purpose is to make money, so we must paint you a beautiful money-making situation, and then directly or in disguised way, use the method of pulling people's hair to get offline to gather funds.
Of course, we must also maintain high-quality projects, because in the early stages of an industry, high-quality projects can easily be inadvertently practiced by users with lower costs and unawareness.Therefore, we must maintain high-quality projects, such as the 2019 Rookie SBO. Through the Star Leap Plan, SBO has created a stable ecosystem and built a complete closed-loop underlying infrastructure to contribute to the development of the digital economy and help the economy and society. The original SBO ecosystem has begun to be compatible with all DAPPs on the chain and facilitates development. Or transplant DPAA on other chains. At another investment level, SBO opens up the built-in trading function. Although SBO is not completely online now, based on this function, users can invest in SBO in advance, enjoy the blockchain dividends together, and explore future blockchain application models with SBO. There are already many users making money through SBO, so SBO has gathered very strong community forces to protect the development of SBO.
For the sake of users, SBO will also be delayed in listing on the exchange at this stage. With the tightening of national policies, there are many problems in the project's current listing on the exchange. One is the "selling pressure problem", and a large number of users have The market will lead to the collapse of the project, and the other is "exchanges absconding with funds." Currently, many exchanges have problems. Under the heavy attack of the state, many exchanges have begun to swallow up user assets and transfer them overseas, so currently SBO cannot Listing on the exchange is a way to save the country. Usually from a long-term perspective, it protects the project value and user benefits.
In the beginning of the industry, keep your original intention
When the business model of blockchain applications is not yet mature, we must keep our eyes open, rationally invest in innovative projects with potential, and reject junk projects , while closely following national policies, jointly support the development of blockchain technology and the integration of life application scenarios, and jointly welcome the new era!
