融资租赁遇上区块链怎么办,融资租赁遇上区块链问题

融资租赁遇上区块链，是一个新兴的概念，它将传统的融资租赁与区块链技术结合，以实现更高效、更安全的融资租赁服务。下面我们就来深入探讨融资租赁遇上区块链，拓展3个相关关键词：区块链技术、融资租赁服务、数字资产管理。

区块链技术，又称“分布式账本技术”，是一种分布式数据库技术，它可以记录每一笔交易的完整历史，并且不可篡改。它的特点是去中心化、安全性高、可靠性强、透明度高，因此在融资租赁领域得到了广泛的应用。

融资租赁服务是一种金融服务，它可以帮助企业获得资金，以购买有价证券或其他资产。融资租赁服务可以帮助企业减少自身资金的投入，改善资金使用效率，降低融资成本，提高企业的财务状况。使用区块链技术可以更好的实现融资租赁服务，提高效率、降低成本，让企业更容易获得融资租赁服务。

数字资产管理是指对数字资产的管理，包括收集、存储、处理和分发等。使用区块链技术来管理数字资产，可以更好的保证资产的安全性，并且可以使资产的流转更加便捷、高效。此外，使用区块链技术还可以更好的保护数字资产的知识产权，防止资产被盗用或滥用。

从上面可以看出，融资租赁遇上区块链，将会带来一系列的变化，更高效、更安全的融资租赁服务，更好的数字资产管理，更多的知识产权保护等等，都将会成为融资租赁领域的新趋势。

A. Why car financing leasing is becoming more and more popular

According to analysis, the development of car financing leasing has not become a trend for many years, but it suddenly exploded around 2018, so rapidly There are mainly three factors:
First: Industry pressure
The concept of car financing leasing has already appeared in the last century, but at that time it was limited by financial credit and the Internet and automobile industries. Because of his innate lack of development, he has never been able to do it. Today, as the industrial Internet continues to deepen, the three industrial markets of automobiles + finance + Internet have achieved seamless connection. Although China's automobile production and sales reached a new high in 2017, the growth rate was only about 3%, a new low. Even manufacturers including Chery and Great Wall experienced negative growth. The current status of industrial development is beginning to force change, and the organic integration of the three industries can cater to this change. Therefore, with the support of the two phases, car financing leasing exploded at the end of the year.
Second: Capital and giant support
There are nearly 10 car rental platforms, and without exception, each one has a large amount of capital or giant support behind it. And when we look at the explosive emergence of several major trends in China's Internet in recent years, such as shared bicycles, blockchain, new retail, etc., all of them are supported by capital and giants. It can be said that compared with the past, China's technology, financial giants and capital react more quickly to the emergence of new opportunities. Their reaction speed determines the development rate of an industry.
Third: Relaxing policies
Last year, the Ministry of Commerce issued the "Automobile Sales Management Measures." The new measures propose that the state encourages the development of shared, economical and social automobile sales and after-sales service networks, accelerates the construction of urban and rural integrated automobile sales and after-sales service networks, strengthens the construction of new energy vehicle sales and after-sales service networks, and promotes automobile circulation models Innovation. The emergence of this new regulation means that the threshold for car sales has been further relaxed, allowing more players to enter the industry.

B. How far is Ant Chain from replacing electronic contracts?

As an Alibaba company named by Jack Ma himself, but has not yet completed the name change on the Internet, Ant Chain does seem to be A little too low-key.

In that era when everyone must be called Bitcoin and everyone wants an ICO, Ant Chain seems a bit out of place.

1｜Ant Chain has accumulated more than 50 application scenarios

In 2015, Alibaba established a blockchain interest group internally and used its spare time to build a public welfare blockchain , Ant Blockchain was born.

Even in the hottest era of ICO in 2017, Ant Chain did not pay attention to the noise from the outside world. It has been silently exploring the application of blockchain, and has successively launched authentic product traceability, cross-border remittances, etc. Products and services accumulate technical foundation.

Ant Chain is moving forward in the unaccompanied darkness and making its own path, much like Alibaba Cloud in 2009.

Data sourcePublic data compiled by China Software Network

In 5 years, Ant Chain has accumulated more than 3,000 patents, and officially announced that it has more than 50 application scenarios, with an average of 100 million times on the chain every day, becoming the current global The largest blockchain application company. Let those ethereal on-chain fantasies of 2017 shine into reality.

According to the research of China Software Network, Ant Chain is currently at least in supply chain finance, joint risk control, asset management, financial leasing, blockchain contracts, traceability services, electronic licenses, bill circulation, invoice circulation, and Information data service platform, remote bidding, blockchain copyright, digital logistics, digital warehouse receipts, joint marketing, points marketing, Jifenbao, digital commodity collaboration network, professional qualification certification services, donation traceability, time bank, pension charity It has relatively large-scale applications in 24 scenarios including prescription circulation, health services, etc. With the help of the "open alliance chain" established this year and the scale effect of the entire Alibaba family of enterprises, Ant Chain has reduced the cost of on-chain for small and medium-sized enterprises from millions to thousands.

Data source: public data compiled by China Software Network

Whose face will be hurt the most by such a large, comprehensive, broad and widespread slap?

2｜Ant Chain aims at electronic contracts

What applications will Ant Chain replace? The first unlucky one must be the electronic contract.

Since the promulgation of the Electronic Signature Law of the People's Republic of China in 2005, national departments and agencies such as the National People's Congress, the State Council, the Ministry of Transport, the Ministry of Housing and Urban-Rural Development, and the National Immigration Bureau have successively formulated many laws, regulations, and Standards have greatly promoted the development of the electronic contract industry. At the same time, electronic contract manufacturers such as e-sign, Fada, Shangshangshou, Trust, and Contract Lock were spawned.

Data source: public data compiled by China Software Network

According to public data statistics, the electronic contract market has been growing year after year. As of the end of 2019, the cumulative number of electronic contracts signed by eSignature has reached 10.5 billion times, with the average daily signing volume exceeding 20 million times. However, its main application scenarios are still focused on purchase and sale contracts for consumer terminals, transaction contracts with external companies, labor and social security document contracts related to human resources, as well as internal approval and certification documents within the enterprise.

Data source public data compiled by China Software Network

The country promotes relevant norms and standards, and also promotes the four major elements of legal compliance: true will, true identity, The original text and signature have not been changed.

The traceable, tamper-proof, and partially decentralized solutions provided by blockchain's distributed ledger technology are naturally adaptable.

Data source: public data compiled by China Software Network

In the environment of commercial transactions, there are often a large number of multi-node and complex process businesses.There is a linear relationship, and the previous trust of these nodes is insufficient. Repeated information confirmation and communication will cause a lot of efficiency losses. Distributed ledger technology is currently the best technical solution in this regard.

As soon as electronic contracts were born, they encountered blockchain. These two things, which were born almost at the same time, suddenly found a natural fit in 2020.

3｜Will Ant Chain completely replace electronic contracts?

The development path of Ant Chain is similar to that of Alibaba Cloud. Both were born and developed out of internal needs, and then transitioned to meet external needs to become a star business.

Starting from tracing Ant Charity’s project donations, it can range from managing Tmall’s cross-border products to providing supply chain financial services to internal companies, to protecting Taobao’s image copyrights and paying for Taobao products. Social security, electricity bills, and water bills have all completely found corresponding external demands.

It has begun to be applied in scenarios such as cold chain food management, tracing external payments, government finance, public welfare fund management, shipping port logistics and warehousing management, chip financing leasing, blockchain prescriptions, blockchain invoices, etc. .

Finally, we have achieved a little explosion in blockchain charity and a lot of flowering.

If Alibaba Cloud has solved the efficiency problem of cloud computing, then Ant Chain can be said to have solved the value problem of cloud computing. Ant Chain has opened up the physical world and the cloud world, and realized the digitization of assets and data. Breaking the ice on the boundaries of capitalization.

But in the final analysis, the cost cannot be avoided. Due to the complexity of blockchain technology, developing a blockchain application is a luxury for many companies. Developing a blockchain application requires investing millions of dollars, and it also requires connecting upstream and downstream to build a corporate ecosystem. The time and energy behind it cannot be underestimated.

This is the same for Ant. It has spent huge sums of money to build a blockchain application platform. In recent years, it has applied for more than a thousand patents every year. It will eventually need to be commercialized. Now through its ecological alliance, "open "Consortium Chain" directly reduces this threshold cost to thousands, which is almost consistent with the charges of electronic contract companies. It is a devastating blow to electronic contract companies.

Whether it is its consensus algorithm performance index (TPS) of more than 100,000 times/second, or the recently released all-in-one software and hardware and end-to-end trusted environment, the technical indicators of Ant Chain have ranked first in the world. Yiqi Juechen, far surpassing international alliance chains such as Fabric, Quorum and Corda. Combined with Alibaba's strong business capabilities and government BD capabilities, it will never take more than 5 years to completely replace the current electronic contract form.

With the release of the Ant Chain all-in-one machine, the cost of enterprise on-chain is expected to be further reduced, and further optimization performance will be achieved in terms of deployment time, transaction speed, consensus delay, and accelerated cryptographic operations.

4｜How will blockchain contracts develop next?

What will the current blockchain electronic contract look like in the future? We look at the development of blockchain applications from four levels: business, industry development, products, and technology:

1) At the business level, judging from the current application scenarios, there are still many blank areas with " The potential of "on-chain" needs to be developed. At present, it is very compatible with the financial industry. It can connect with other financial businesses such as banking, insurance, and securities industries, and is expected to be further integrated with RPA.

2) From the perspective of industry development, not only Ant Chain, but also the pursuer Tencent Blockchain are trying to build an ecology and develop alliance chains. The alliance chain can greatly improve transaction efficiency and reduce transaction costs because of its "multi-centered" characteristics and the advantages of independent controllability, privacy protection, and high efficiency.

3) From the product level, the blockchain products of major manufacturers are all moving towards platform-oriented, whether it is Ant Chain’s BaaS platform or Tencent’s “TrustSQL”, they are all moving in the direction of platforms. Walk. In the future, small and medium-sized manufacturers can choose to join the SaaS camp of Internet giants, establish their own advantages in specific fields, and move in the direction of "small but beautiful".

Future on-chain applications are expected to provide users with diverse deployment models and product forms to meet personalized user needs. However, cross-chain data exchange and the adaptability of technology and data from different chains will be a challenge for these platform-based enterprises.

4) Since the development of blockchain, the three generations of public chains represented by BTC, ETH, and EOS have made varying degrees of sacrifices in terms of efficiency, security, and centralization. Although Ant Chain The technology is advancing by leaps and bounds, but these three mutually restricting indicators are still important problems that require continuous breakthroughs and are indispensable.

As the amount of data on the chain increases, this problem will become more and more obvious. It remains to be seen whether the current payment ability of Ant Chain customers can cover the costs.

C. Current status and development trends of supply chain finance

Industry status quo

——Supply chain finance is in its infancy in China

Supply chain financial products are rooted in all aspects of the supply chain. According to the different participants, supply chain finance can be divided into six main types of models. Among them, core enterprises, third-party payment, logistics enterprises, and e-commerce platforms rely on their own experience and The accumulation of resources has mastered the core data of certain supply chain transactions such as information flow, logistics, and capital flow, and has its own competitive advantages, while financial institutions such as commercial banks and P2P platforms have their own advantages on the capital side.

In particular, P2P online lending platforms far exceed traditional fields such as commercial banks in terms of information processing capabilities, approval efficiency, and innovation speed. In addition, P2P has low financing threshold and diversified risk preferences of funding sources, which can meet the needs of the industry. The individual needs of small and medium-sized enterprises within the chain.

Supply chain finance is a field of supply chain management in recent years.With the new direction of development in the financial field, its emergence and development mainly provide financing channels for small and medium-sized enterprises. The main business forms include accounts receivable financing, inventory financing, advance payment financing and strategic relationship financing.

——For more data, please refer to the "China Supply Chain Management Service Industry Market Prospects and Business Model Analysis Report".

D. Shanghai Jiao Tong University Chapter of "Blockchain - Financial Black Technology"

The theme of this lecture is "Blockchain - Financial Black Technology", and the speaker is from Mei Wenxiang, the co-founder of Kuoyue Technology, is also the founder of 91pool, the world’s largest mining pool for Ethereum’s original chain ETC. This lecture attracted many students, and even though it rained heavily that day, the venue was still full.

Before the lecture officially started,
Mei Wenxiang asked three questions:
How many students know about Bitcoin?
How many students know about blockchain?
How many students know about smart contracts?
Just judging from the hands raised at the scene, even if they are facing a new knowledge and new field - "blockchain", Jiaotong University students have done their homework in advance before listening to the lecture.

Mei Wenxiang talked about the basic knowledge of blockchain from three aspects: the origin of blockchain, blockchain, and smart contracts. First of all, the speaker used humorous language and vivid metaphors to tell everyone that although it is less than 10 years ago, the current development of blockchain is like physics-magnetic field, "invisible and intangible, but objectively existing", " "Bitcoin" is the first "son" of "blockchain". The three characteristics of blockchain, "shareable, trustworthy, and shared ledgers," determine that blockchain will become a more powerful technology in the near future.

I came into contact with "blockchain" 3 years ago. Even though I have been working in the Internet finance industry for 6 years, I resolutely chose to get back on the road and began to explore the research and application of the blockchain field. Soon after Founded WNT Kuoyue Technology and officially started many practices of blockchain applications, such as: "91 Charter" of blockchain financial leasing platform, "Yijian" of blockchain art appraisal platform and "Yijian" of digital currency production platform 91 Coin Pool”.

Wonderful question-and-answer session

As the lecture came to an end, students from Jiaotong University actively raised their own questions to the speaker. The speaker answered them patiently and admitted that learning about blockchain is a " There is no need to rush the process.

At this point, the lecture ended successfully.

E. Which blockchain car loan installment system development companies_car installment platform

The car loan management system can provide online vehicle mortgage/pledge, and A comprehensive system platform for rental purchase, mortgage mortgage, financial leasing and other services

The car loan installment system developed by Yingtang Zhongchuang through blockchain technology integrates store management, customer management, and loan management , credit assessment, vehicle management, contract management, post-loan management, report statistics, system management, GPS monitoring/positioning, big data risk control and many other functions

The system deeply optimizes the risk control model and can accurately Identify high-quality customers and quickly achieve excess credit

F. What is the relationship between blockchain technology and the financial industry

Blockchain technology has the advantages of being difficult to tamper with and easy to trace. It can be used in identity verification Information management, trust mechanism building, and small and micro enterprise credit information on the chain play a role.

Here is an example of a bank in Nanping:

Due to the explosion of online business, the original offline signing method can no longer satisfy the bank. With the demand for rapid business changes, the digital construction of banks is urgent, but bank risk control departments have strict compliance requirements:

Is the online business data sensitive and private, and is the transmission safe?

Does electronic signature have legal effect?

Is electronic evidence admissible in court?

These concerns have become obstacles for banks to introduce electronic contracts and carry out digital transformation of their businesses.

After adopting the unique ENA active evidence collection patented technology of the "Real Hammer" trusted electronic evidence platform, a bank in Nanping used the notary office to clean the server to preserve and store the electronic data of the target system online in real time. With the issuance of certificates, the entire process of electronic data from generation, transmission to storage is recorded. Finally, the notary office issues an evidence collection and preservation report stamped with the official seal. The document is a notarized document and can be directly accepted by the court. Since the report is issued by the notary public office, it is relevant. Compared with the self-certification of third-party electronic contract platforms, it is more credible and solves the concerns of bank risk control departments in one fell swoop. The entire process is online and automated, and front-end customer operations are imperceptible.

At the same time, combined with the "real hammer" middle and back-end case-like system and outsourced execution services, the bank has achieved rapid dispute resolution in Internet business. It not only ensures the compliance and effectiveness of the electronic contract signing process, but also solves the problem of scattered banking cases.Across the country, legal travel costs are high; litigation cycles are long and there is no efficient disposal channel.