区块链改变金融服务业的原因,区块链改变金融服务业发展趋势

1.数字货币：数字货币是一种新型的虚拟货币，它是基于区块链技术而发展起来的，使用数字技术来存储和传输货币。数字货币不受任何物理货币限制，可以在任何时间在全球范围内进行交易，具有更高的流动性和安全性，是一种革命性的技术。由于数字货币的优势，它已经深深影响了金融服务业的发展，为金融服务业提供了新的发展机遇。

2.智能合约：智能合约是基于区块链技术的一种新型的合约，它可以自动执行合同，并可以在全球范围内实现跨境交易。智能合约可以有效地提高金融服务业的效率，提高服务质量，降低交易成本，提高交易安全性。智能合约的出现，使金融服务业的发展更加智能化，可以更好地满足客户的需求。

3.去中心化：去中心化是区块链技术的一个重要特点，它可以有效地消除中心机构对金融服务业的控制，使金融服务业更加灵活、更加透明、更加安全。去中心化使金融服务业的发展更加自由，可以更好地满足客户的需求，提高金融服务业的效率和质量。

总之，区块链技术的出现改变了金融服务业的发展趋势，数字货币、智能合约和去中心化都是金融服务业发展的关键因素。它们的出现为金融服务业提供了新的发展机遇，可以更好地满足客户的需求，提高金融服务业的效率和质量。
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㈠ How can blockchain technology be correctly applied to the financial industry

Looking back to 2008, blockchain technology has demonstrated the changes it can bring in different business fields. . Although this technology is still in its infancy, it has already changed many industries. Various properties of blockchain, such as decentralization, immutability, and transparency, can transform business models. Especially for the banking and finance industry.

Although there are still many problems, blockchain has the potential to reduce costs and labor for the financial and banking industries. According to a Deloitte report, 24% of financial institutions around the world are familiar with blockchain technology, and North America will be more familiar with these technologies than other places. Considering the broad applicability of this technology, companies are gradually looking for different areas where blockchain can be applied.

Especially in the banking and finance industry, hundreds of funds are moving from one end of the world to the other every day. This makes the global financial system one of the industries that can profit from blockchain applications. The banking and financial industry requires a lot of manual labor. If there are any errors at this time, it will have a great impact on the financial system. According to the Global Fintech Report, in 2017, 77% of Fintech institutions hoped to use blockchain as a financial production system by 2020.

Application of blockchain in banking industry

For a basic understanding of blockchain technology and operation methods, the real question in your mind may be: Is blockchain really Can the land be applied in the banking industry? If so, how can we best leverage blockchain technology? And, most importantly, will blockchain stay where it is or move forward?

According to a report from Harvard Business School, blockchain is now to the banking industry what the Internet is to the media. Blockchain can solve many problems in the banking and financial industry. Blockchain technology has all the characteristics that reliable technology should have, including financial-related businesses.

Blockchain can provide a high level of security, especially when it comes to exchanging data, information and money. At the same time, this also allows users to take advantage of a transparent network architecture with very low operating costs, and at the same time, get decentralized help. These characteristics will make blockchain a very stable, reliable and popular solution for the banking and financial industry.

If financial institutions want to ensure the safety of funds, they need many intermediaries. Yet these intermediaries make the entire industry more expensive. And, because there are so many people involved in the process, the chances of errors increasing. Blockchain technology can ensure the security of transfers, while also providing users with a better experience and lower costs.

Cases of banks using blockchain technology

Although banks and financial institutions were still skeptical about blockchain technology in the early days, things have changed now. With the success of blockchain in many fields, the banking industry is looking for new areas and applications of blockchain.

Some large companies, such as JP Morgan, are confident about the future development of blockchain. The U.S. investment bank headquarters has also begun research and implementation of blockchain technology. The Quorum project is an enterprise distributed ledger and smart contract platform that can support fast transfers and throughput to solve problems in the financial industry, banks, etc. According to current news, they have issued annuity certificates with different interest rates based on distributed registries.

In addition to these, major US banks have obtained patent certificates issued by the US Patent Office. The document talks about the deployment of permissioned blockchains to ensure the security of records and to authenticate corporate and personal data.

This system will allow certified members to obtain data and record all individual members. In addition, the system will use blockchain technology to integrate multiple existing data storage platforms. This secure single network will provide overall efficiency while also reducing the number of addresses where user data is stored.

Another institution is Goldman Sachs. Goldman Sachs is also actively integrating into the research of distributed registration technology. In order to serve startups in the blockchain industry and solve the volatility of digital currencies, Goldman Sachs has invested in digital currency projects.

Goldman Sachs Group aims to become Wall Street’s leader in digital currencies. Setting up their own digital currency transactions can help them manage digital transactions well.

Cases of using blockchain technology in finance

As more application cases emerge, blockchain technology has the potential to change the current financial and banking industry. This technology can change the current banking industry through the following points:

Reduce fraud

In any financial-related project, there will be fraud. In addition, from the most basic financial model point of view, security is also the most important. More than 40% of financial entities and intermediaries, such as stock exchanges, suffer significant losses every year due to financial theft incidents.

Centralized database systems are used for financial management and operations. However, centralized databases are easy to be invaded. If there is a problem at a single point, a cyber attack will occur. Once a hacker gains access to such a system, it is easy to steal funds. This will create a need for more secure systems, with adequate security guarantees to prevent such attacks.

Since the blockchain is distributed, it is impossible toSingle point of destruction. Each transfer stored in the form of blocks will be protected by an encryption mechanism and is difficult to be attacked.

Moreover, all blocks are connected to each other. Due to the mechanism of this connection, if a block is changed, all other blocks on the blockchain will immediately reflect the change. Therefore, this will help track the intrusion while also giving the hacker no chance to make changes to the entire system. With a secure blockchain system, we can prevent cyberattacks and now attacks on the banking and financial industry.

Customer identity verification Banks and financial institutions are very worried about this, so they must perform AML and KYC to reduce losses. All these processes take a lot of time, and all banks and financial institutions need to conduct all verifications independently.

According to investigation reports, this type of process costs between US$6 million and US$50 million every year. Some customer due diligence is to reduce money laundering and attacks. Currently, banks need to upload customers' KYC data to a centralized registration agency, which is used to verify the information of old or new customers.

With the application of the blockchain system, the customer verification of each bank or financial institution can also be used by other banks, and these KYC certifications do not need to be performed multiple times.

In other words, through blockchain technology, a lot of duplication of work can be eliminated. Moreover, in the not-too-distant future, all financial institutions will have access to updated customer information, reducing costs for administrators and management agencies.

Smart Assets

Trade finance becomes difficult when all assets need to be recorded with clear date and time stamps. The global supply chain includes many institutions and individuals, and participants are constantly conducting transactions. The documentation here is more complex. Blockchain can store records of these smart assets in digital form. The smart asset system will not only move items, but also track the trajectory of items.

Intelligent asset tracking systems for banks and financial institutions are also now facing a lot of competition. Banks with rich data can turn this data into customer value through blockchain.

Smart Contracts

The application of smart contracts can prove the importance of the banking and financial industry. Smart contracts are codes that can execute themselves when certain conditions are met.

When using financial transfers, smart contracts are very helpful to increase speed and simplify complex processes. Only when the conditions in the code are met, the contract will be executed and the transfer information will be ensured to be very accurate. Furthermore, since these terms are open to everyoneis visible, the probability of errors will drop a lot.

Trade Finance

Trade finance is considered to be one of the most useful applications of blockchain technology in the banking industry. All parties involved, such as complex transfers, can be recorded on the blockchain network, and traders and banks share this information through a common ledger. Once a certain condition is met, the smart contract will run automatically and relevant parties can see all actions that occur.

According to relevant news, some start-ups have successfully conducted blockchain-based transaction transfers. This process usually takes 7-10 days, but now it only takes 4 hours. Compared with current infrastructure, using blockchain can significantly reduce the generation of certificates, tickets, and other fees.

Why does the banking industry need blockchain?

1. The current banking system is highly dependent on paper documents and current systems. Trustworthy and stable system upgrades are now needed to prevent any fraud and solve expansion and security issues. Blockchain technology and its decentralized nature can give the banking system the high-end technology it is looking for.

2. Banks cannot operate independently, and many transfers now go through intermediaries. Cross-border transfers take 5 days and involve many risks. Through the blockchain system, banks can make transfers very fast without taking any risks. The banks themselves are enough to solve these problems.

3. The world is moving towards digitalization. The speed of economic development is also gradually increasing, and there is no doubt that this speed will be faster. Blockchain technology will make small-amount transfers faster, while ensuring lower fees and transfer scalability.

4. In addition to banks, financial service companies are gradually using the latest technology to reform their systems and ensure market security by providing reliable services and lower rates. Banks and other financial institutions should embrace new blockchain technologies to make their ecosystems secure.

There are still many challenges to the integration of blockchain technology

Blockchain technology certainly has its advantages, but it also contains many challenges, especially for the financial and banking industries. of institutions.

Interoperability: Blockchain technology will not be bound by any international regulations, so there are no standards. As large industries, such as banks, increase their interactivity requirements, blockchain needs to be compatible with different systems and be accepted by the public. The integration of existing systems and blockchain is a very big challenge for the current system, because the existing system cannot be completely replaced. If blockchain technology could allow multiple systems to work perfectly togetheroperation, then the operational feasibility can be fully satisfied.

Privacy: The endorsement of banks and financial institutions is the trust people place in depositing funds into them. If you want blockchain to replace them, it is important to ensure that the data stored in the blockchain is stored securely and does not change anyone's identity. Since transfer information is conducted publicly on the blockchain, private chains also need to be studied, which will also help solve interactivity issues.

Encryption: Private keys are a necessary element of the blockchain system because they play a very important role in ensuring personal data on the blockchain. However, once the private key is obtained, it must be stored very securely because if lost, there is no way to get it back. Moreover, there are loopholes in the encryption method used to store data, which also makes the blockchain easily vulnerable to hackers.

Security: The blockchain network is safe and reliable because it incorporates cryptography technology. In order to prevent hacker attacks, any encryption performance in this type of system requires a lot of computing power. . When a blockchain network is used in any banking institution, it must be encrypted through multiple security protocols. The network needs to have enough computing power to prevent anyone from taking control except under specific access permissions. Depending on these requirements, such systems or institutions integrated into blockchain can be permissioned or permissionless. People within these organizations need to be able to handle different levels of access permissions to save the entire network from fraud and cyber attackers.

Scalability: The growth of existing data is undeniable. As the population grows, so does the size of the database. This will bring great challenges to the application of blockchain. Networks created through blockchain should be able to handle increasing traffic while also maintaining the speed of network participants. If blockchain technology can be applied to current banking systems and institutions, it must be able to guarantee the ability to handle these data flows.

Energy consumption: Most blockchain networks are based on a proof-of-work mechanism, where network participants are rewarded based on how quickly they solve problems, which is also based on how quickly they solve problems. This puts new blocks into the network. This allows the entire network to operate stably while also increasing energy consumption. This type of computing power consumes a lot of electricity and has an impact on the environment. These issues need to be addressed through other incentive mechanisms before blockchain technology can be embraced.

Legal supervision: If blockchain is applied to the banking industry, international regulatory regulations are very necessary. Now, as the most popular application of blockchain, digital currency has no regulatory regulations, which has pros and cons. However, if blockchain is applied in the banking and financial industry, then regulation will be needed to prevent people from causing trouble due to losses.

Conclusion

Although regulations are very strict for the banking industry, financial institutions have also begun their journey to adopt blockchain technology as a solution. Banking giants have begun testing to find potential uses for decentralized technology.

Institutions are investing heavily in research into blockchain solutions. By allowing blockchain to enter the current industry, many problems will be solved. Because this technology makes the system more transparent, reliable, and easy to use.

㈡ How to use blockchain to build a commodity trading co-governance platform

As blockchain will bring about earth-shaking changes in the coming time, those who have the opportunity will have excellent opportunities. The Frankenstein-like financial system is naturally running out of opportunities. Now the world's financial services industry is full of all kinds of problems. It is built on a technology platform decades ago and looks outdated. In contrast, With the growth of cash, the rapid digital world has become very sudden, showing its slow and unreliable side from time to time. It has left billions of people without access to even the most basic financial tools outside the system. In addition, the highly centralized nature also faces the risk of data leakage, hacking, and total downtime, not to mention that its exclusive position naturally tends to maintain the status quo and inhibit innovation. Blockchain is not only a powerful tool to solve these problems, but also brings a lot of innovation, allowing entrepreneurs to find more new tools to create business value on this platform.

Six reasons why blockchain can have a profound impact on the financial services industry, break the existing exclusive structure, allow individuals and corporate organizations to have real opportunities to choose, and create a managed business value.

1. Efficiency of proof. For the first time in history, humans can complete commercial transactions without knowing each other and without a basis for mutual trust.

2. Cost. The network architecture of the blockchain completes the clearing and settlement work through point-to-point digital transfer, and these actions are continuously performed so that the ledger information is always maintained in the latest state.

3. Efficiency. Now it takes us three to seven days to complete the remittance and two to three days to complete the stock delivery. When applying for a bank loan, it usually takes a stifling 23 days to get it approved.

4. Risk management. Blockchain can mitigate many financial risks; checkout risk is just one of them. The other is counterparty risk, and the most important is systemic risk.

5. Value innovation. The purpose of establishing the Bitcoin blockchain is simple. It does not include other assets except Bitcoin. However, since the blockchain adopts the original code method, it also provides room for modification. Some people who pursue innovation are developing other projects. Alternative coins and blockchain scum must first compete with Bitcoin.

6. Open source. The financial services industry is a system that has been formed by stacking layers of early technologies on top of each other. Now it is crumbling. It is very difficult to promote change in this field now, because every time we improve this kind of engineering, we must achieveBacktrace. Blockchain is an open source technology. You can continue to pursue innovation and keep testing back and forth until you can do it. Achieve satisfactory results on the consensus of network architecture.

The above six advantages. It can change not only payment methods, but also securities, industrial investment, bank accounting and verification work. Venture capital, insurance companies, risk management, retail banking and other pillars that support the industry are also likely to keep up with the pace of change.

㈢What is blockchain technology and how does it change business and financial models

What is blockchain technology and how does it change business and financial models? Joining the EU and NATO is just a cake-cake given by the West to satisfy hunger. In fact, at least in the current conflict between Russia and Ukraine, and before Russia and Ukraine fail to completely resolve the border issue, the dreams of the EU and NATO are just a dream for Ukraine! In Zhuang Ci's view, the positioning of basic subject research centers should be high enough and can be built on the basis of research institutes or universities with good foundations. The government should provide sufficient and stable support funds. An ideal operating model is to follow the example of Japan. "World's Top International Research Center (WPI)" program.

㈣ Application of blockchain in the financial field

1. Application and development of blockchain

Some Internet, Internet start-ups and traditional financial industries Started to try out applications in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions are testing the waters one after another, and they are basically in the conceptual experimental stage and have not yet reached a large scale. Commercial scale.

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

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

The experimental production system of the digital bill trading platform uses SDC (Smart Draft Chain) blockchain technology, using cryptographic algorithms such as homomorphic encryption and zero-knowledge proof for privacy protection, and through the practical Byzantine fault-tolerant protocol ( PBFT) conducts consensus and uses a see-through mechanism to provide data monitoring.

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

6.

㈤ Leading the era of blockchain payment - PCK public chain opens a new era of global digital payment

The development of Internet and mobile broadband Its birth has enabled billions of people around the world to access knowledge and information from all over the world, enjoy high-fidelity communications, and a variety of lower-cost and more convenient services. Nowadays, these services can be used in almost every corner of the world with just a 500 yuan smartphone.

Although the Internet has brought many conveniences, there are still many people in the world who are not connected: 1.7 billion adults have not been exposed to the financial system and cannot enjoy traditional financial services provided by banks. One billion of them have mobile phones, and nearly 500 million have access to the Internet.

In contrast, blockchain payment has many unique advantages and is a potential way to solve the high threshold and credibility problems of financial services. These advantages include: distributed management, ensuring that the network is not controlled by a single entity; open access, allowing anyone with an Internet connection to participate; and secure encryption technology to protect funds.

Existing traditional payment channels lack scalability and currency volatility, which not only prevents them from being widely used in the international payment market, but also results in the underperformance of such currencies as medium of exchange properties. good.

Because of this, the PCK international payment public chain was born under the opportunity of the times.

We believe that by combining the essence of blockchain-based technological innovation (including distributed management, open access and security) with a reliable compliance management and regulatory framework, PCK will bring more Advantageous payment solutions.

The emergence of blockchain payment has promoted the development of international e-commerce. In turn, the development needs of e-commerce have also prompted the continuous reform and innovation of blockchain payment. Blockchain payment has become a top priority in the modern financial services industry, not only the InternetIt is the driving force of rapid economic development and provides support for rapid economic development. The emergence of the PCK payment public chain not only fills the gap in banking service functions in this area, but also performs very well in improving the efficiency of financial transactions. It is an effective source of power to improve the financial system and improve financial functions.

In the PCK ecosystem, the merchant side, channel side, settlement side, and account side are all co-builders, maintainers and certifiers of the project ecology. The four can jointly control the third-party payment field. Provide services to establish a disruptive third-party payment ecosystem.

The PCK payment public chain believes that the payment behavior itself has a certain value, so we hope to apply the modern management organization theory to the blockchain miner economy through reasonable incentive and punishment mechanisms (token consensus) , allowing the various co-builders of the payment ecosystem to spontaneously form an efficient decentralized organization. The issuance of PCK will stimulate the accumulation and circulation of services in the entire ecosystem, and establish a huge payment service ecosystem.

At the same time, PCK is an innovative third-party mobile payment blockchain model solution. PCK can simultaneously meet the needs of security, real-time, high concurrency, and decentralized instant payment. And equipped with fully optimized solutions for micropayment and micropayment scenarios.

The compliance and security of the PCK payment public chain will benefit developers, merchants and consumers. We believe that working with financial institutions and experts from various industries to innovate technology is the only way to ensure a sustainable, secure and trustworthy support framework for this new system. This move can achieve a huge leap and move us towards a global digital financial system with lower cost, lower threshold and closer connection with PCK payment public chain!

Leading the era of blockchain payment - PCK public chain will open a new era of global digital payment!

㈥ What is blockchain technology and how does it change business and financial models

What is blockchain technology and how does it change business and financial models? According to reports, since the end of March, the tour guide team led by Yang Feihu has been receiving inquiries from out-of-town individual tourists. “There are many families traveling to Wuhan from out of town. Several families come together by car or by high-speed rail,” Yang Feihu said. , Yellow Crane Tower, Hubei Provincial Museum, and East Lake Scenic Area are still places to check in. "It's hard to get a ticket for the Hubei Provincial Museum now, and all the seats for the May Day period have been reserved." He and a number of parents looking for relatives went to Shuidun Town, Zijin County, Heyuan City, Heyuan City. Because Zhang Weiping once confessed that this was the place where Aunt Mei lived, and it was also the place where 8 of the 9 abducted children in the "Aunt Mei Case" were sold.

㈦ How to effectively promote the innovative application of blockchain technology in the financial field

On February 24, the China Securities Regulatory Commission issued the fifth meeting of the 13th CPPCC National Committee No. 03009 ( Finance, Taxation and FinanceNo. 199) Letter of reply to the proposal. Proposed: According to the "Notice on Issuing the National Blockchain Innovation Application Pilot List" by the Cyberspace Administration of China, the People's Bank of China and the China Securities Regulatory Commission actively cooperated with the Cyberspace Administration of China to carry out the pilot work of the National Blockchain Innovation Application and took the lead in establishing the pilot list. Huaitai has established national pilot projects in the characteristic fields of "blockchain + equity market" and "blockchain + trade finance" to effectively promote the innovative application of blockchain technology in the financial field.
With the encouragement and support of multiple policies and financial regulatory authorities, it means that electronic signatures will become a digital business processing tool for financial institutions to realize online business. In the future, electronic signatures and electronic contracts have become the general trend!
Junzizhuan, a brand of eBaoquan, is a professional blockchain electronic signing platform in China. For many years, it has been committed to creating a one-stop full ecological financial closed-loop service for financial institutions, from signing to depositing certificates to lending. A complete set of mature, reliable and secure blockchain electronic contract solutions can help financial institutions reduce costs and increase efficiency while improving risk management and control capabilities and effectively promote the development of online business.
In addition to mature and reliable solutions, Junzi Sign has also successfully applied blockchain technology in the financial industry.
At present, the Junzi Signing Platform has established cooperation with many large domestic banks and achieved efficient business development.
Open up the Internet courts, notary offices, judicial appraisal centers, arbitration committees and other authoritative institutions to create a judicial support service system in Qiangming Town, which can provide complete evidence storage, evidence consolidation and evidence production services. Compared with paper contracts, it has More rigorous and safe legal effect.

㈧Why blockchain has always played a huge role in the financial world

We all know that blockchain is a very important tool in the investment industry. The same investment of 10,000 yuan ten years ago will reap extraordinary returns. But at that time, I bought 10,000 yuan of Kweichow Moutai stock, and now I only hold 150,000 yuan. But if you hold 10,000 yuan in Bitcoin until now, congratulations, you have assets of over 100 million yuan. Why does blockchain always play a huge role in the financial world?

To prevent single points of failure and systemic risks, the financial industry needs to conduct audits to control financial risks. And the current regulatory intensity is gradually increasing, especially the previous financial crisis that made the threshold for controlling this platform higher. The entire financial system has increased costs in many aspects. The technology of blockchain plays a role in reducing a large number of costs in finance by preventing tampering and being transparent.

Blockchain is like our commonly used ledgers. Whoever keeps accounts has a certain reason and strength. WeChat’s ledger is kept by the large platform Tencent, and the same is done by small Internet companies. It will also have its own ledger. But in the blockchain, everyone in the system can be the owner of the ledger. If there is a change in the data when you are in charge of this ledger, the system will record the person with the best accounting and the highest efficiency, so that the entire system China will allow everyone to have a complete ledger, this is the impact of simple, abstract blockchain technology.

The best time to learn blockchain was 10 years ago and now. Cai Kangyong once said: "At the age of 18, you find it difficult to speak English, so you give up English. At the age of 28, a great job, but you have to say "I can't." "But when we return to the topic of blockchain, its value lies in whether it can change our lives. The peer-to-peer blockchain allows you to complete the payment between two countries within 5 seconds, reducing the cost of your transaction. Reduced. But the blockchain that cannot be traded twice can prevent you from being "violently evicted". The secure blockchain allows you to protect your secrets to the maximum extent, and there are no more harassing phone calls. The blockchain also It allows you to enjoy the large-scale development of the sharing economy platform. Therefore, although blockchain is not a perfect technology, as long as it can change our lives, its value, like a mobile phone, cannot be ignored.

We all know that it is the winners who change the world. These winners are Tencent, Alibaba, Google and Facebook, as well as many Internet companies that we are familiar with. While they change the world, they bring investors We have achieved amazing returns.

We must know that Rome was not built in a day. Similarly, the value of blockchain also needs to be explored and exerted by ourselves. Blockchain is also slow amid fluctuations and doubts. It develops slowly. And most Bitcoin holders have not been able to earn the maximum income. Only a few people who really understand the blockchain and have firm confidence in it persist until the end. Only the blockchain Only after in-depth study and understanding can you have your own ideas. Learning blockchain is not just about learning its operating model and concepts, but also applying it to actual work, so that it can continue to exert value in finance.< /p>

㈨ What is blockchain technology and how does it affect the financial and monetary system?

What is blockchain technology and how does it affect the financial and monetary system? Academician of the Chinese Academy of Sciences, Ancient Chinese Academy of Sciences "Cratonic Destruction and Terrestrial Biological Evolution" led by Zhou Zhonghe, a researcher at the Institute of Vertebrate Zoology and Paleoanthropology, became one of the first three projects to receive this funding in 2016. He told China News Weekly that the project's funding management It is relatively loose, but the problem is that this kind of project is too scarce. Although this is a stable support model, it is still a very competitive project in nature. Zhuang Ci also believes that this type of project The proportion of support is very small, and it is still for a very small number of people. At present, the competition has become fierce. "When eating barbecue in Jinzhou, 70% of people come to drink to relieve stress. For example, the guy who came last night showed off eight bottles of Harbin beer over a barbecue. Their children earn more than 2,000 yuan a month, and the better houses are only 7,000 to 8,000 yuan per square meter. Even if the family pays for the down payment, the children have a hard time paying off the mortgage. Not only are the parents worried, but the children themselves are also anxious. " said Brother Li, who opened Qiechun BBQ restaurant in Jinzhou.