区块链概念在商业中的应用论文,区块链概念在商业中的应用有哪些

今天，我们要讨论的是区块链技术在商业中的应用，以及它的3个拓展关键词：去中心化，数据安全，以及智能合约。

首先，我们来讨论去中心化。去中心化是指没有中心化的组织，也就是没有中央机构控制的组织。区块链技术可以帮助企业实现去中心化，比如，使用区块链技术可以让企业的数据在网络中进行分布式存储，从而实现去中心化管理。这样，企业就可以摆脱中央机构的控制，更加自主地管理自己的业务，从而提高效率和效益。

其次，我们来讨论数据安全。区块链技术可以帮助企业保护数据安全，比如，使用区块链技术可以对企业的数据进行分布式存储，这样，即使某一台服务器出现故障，也不会影响到其他服务器，从而保证数据的安全性。此外，区块链技术还可以帮助企业实现数据的加密存储，从而有效防止数据泄露。

最后，我们来讨论智能合约。智能合约是一种可编程的合约，它可以帮助企业自动执行合约，从而节省大量的时间和精力。比如，使用智能合约，企业可以自动完成采购、销售、付款等流程，从而提高企业的效率和效益。此外，智能合约也可以帮助企业保护合同权益，防止被恶意违反。

总之，区块链技术在商业中的应用涉及到去中心化、数据安全和智能合约等多个方面，它可以帮助企业实现数据安全、提高效率、保护合同权益等，从而提升企业的效益。

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1. What are the applications of blockchain technology in business

1. Banking industry
A bank is a safe storage warehouse and value exchange center. As a new digital transaction method, blockchain can prevent financial risks more safely and is even more outstanding in the current financial field. UBS and the British Barclays Bank have successively carried out blockchain research experiments. It is hoped that the cost of settlement middlemen can be reduced through the decentralized ledger characteristics of blockchain technology.
2. Payment and cash transactions
Today’s transaction model has been fixed for hundreds of years. Nowadays, the intervention of blockchain technology is to create a more simplified transaction system, which can create a better future for the existing cash transaction model with the characteristics of decentralization, convenience, borderlessness, ultra-low rates, and instant transaction arrival. "Business Structure".
3. Traceability of academic certificates and training
Using blockchain technology to certify academic certificates will ensure that students’ education and training are traceable. If the future education system can adopt open and transparent academic certificates and results Certificates and diplomas can better solve the problem of academic qualification or certificate fraud, and solve the labor cost and certificate manufacturing cost.
4. Copyright certification
“Traditional copyright protection methods include copyright registration, judicial appraisal and notarization. These are all effective methods to protect originality, but they are time-consuming and labor-intensive. Traditional media consumes a lot of money in After spending time and energy to produce content, the traditional methods of copyright protection seem a bit helpless. It takes as much time and energy as creating content. For example, a single creative article worth a few hundred yuan, or even dozens of yuan, is Hundreds of dollars must be spent on copyright protection, which is unacceptable to many creators.
By developing blockchain-based digital rights management (DRM: Digital Rights Management) technology, the works Each authorization or copyright owner records and tracks the copyright of the work at the time of release, giving managers and authors stronger control over intellectual property rights. Blockchain technology can help authors, artists, Photographers and other artistic workers register the copyright of their works on the blockchain to prevent infringement.
Blockchain technology provides a simple public database registration to facilitate creators to register copyright on the blockchain and obtain the corresponding copyright. Certificate. If someone copies a work without permission, the blockchain will automatically issue a copyright certificate as a warning. It will also record all authorized and unauthorized copying and issuance behaviors as a management and statistics for the management department and copyright owners. It can also be used as evidence in court for infringements.

5. Public welfare and charity
The characteristics of the blockchain itself are to solve the "trust" problem in charity fundraising. The blockchain is a A digital account book that cannot be tampered with. In the transaction model based on blockchain technology, there is no central organization or any central server. All transactions are recorded inIn the blockchain distributed database, this means that the donations or benefits raised can be effectively distributed to the hands of the people who need them. The entire process is simpler, safer, more transparent, and more authentic.
Triporg: It is a travel service platform that uses blockchain technology to provide booking services such as air tickets and train tickets.

2. In what fields can blockchain be applied?

Financial applications: Blockchain has inherent advantages in the financial field. On the Internet, this is the gene of blockchain. decided.
(1) Insurance business: With the development of blockchain technology, in the future, personal health status, accident records and other information may be uploaded to the blockchain, allowing insurance companies to be more timely and accurate when customers apply for insurance. Accurately obtain risk information to reduce underwriting costs and improve efficiency. The shared and transparent characteristics of the blockchain reduce information asymmetry and the risk of adverse selection; while its historical traceability characteristics are conducive to reducing moral hazard, thereby reducing the difficulty and cost of insurance management.
(2) Asset securitization: The business pain point in this field lies in the fact that the authenticity of the underlying assets cannot be guaranteed; there are many participating entities, multiple operating links, low transaction transparency, and information asymmetry, making it difficult to control risks. The pain point of data lies in the low efficiency of transfers between participants, the clearing and reconciliation of funds between parties’ trading systems often requires a lot of manpower and material resources, and there are multiple online and offline channels for asset repayment, making it impossible to monitor the true status of assets, and there are still assets After the package is formed, the trust of all parties in the transaction chain in the authenticity and accuracy of the underlying asset data is an issue.
(3) Digital bills: The pain points in this field lie in three risk issues. Operational risk, due to the centralization of the system, once the central server has a problem, the entire market will be paralyzed; market risk, according to statistics, in 2016, there were seven risk events involving hundreds of millions of dollars, involving multiple banks; moral hazard , there are incidents such as "one ticket selling more" and false commercial bills in the market. Blockchain's disintermediation, system stability, consensus mechanism, and non-tampering characteristics reduce operational risks, market risks, and moral hazards in traditional centralized systems (4) Cross-border payments: The pain point in this field is the long payment cycle , high fees and low transaction transparency. The third-party payment company is the center to complete the accounting, settlement and liquidation in the payment process, and the payment cycle is long. For example, the payment cycle for cross-border payments is more than three days, and the cost is high. The blockchain is deintermediated, the transactions are open, transparent and cannot be tampered with. There is no third-party payment institution to join, which shortens the payment cycle, reduces fees and increases transaction transparency.
(5) Credit management: The pain points in this field are the lack of data sharing, the asymmetry of information between credit agencies and users; the formal market-oriented data collection channels are limited, and the battle for data sources consumes a lot of costs; the problem of data privacy protection is prominent , the traditional technical architecture is difficult to meet new requirements, etc. In the field of credit reporting, blockchain has decentralization, trustlessness, timestamps, asymmetric encryption and smart contracts, etc.Features, at the technical level, ensure that limited and controllable credit data sharing and verification can be achieved on the basis of effectively protecting data privacy.
(6) Supply chain finance: The pain points in this field are the long financing cycle and high costs. Centered on the core enterprise system of the supply chain, it is difficult for third-party credit enhancement institutions to authenticate the authenticity of various relevant vouchers in the supply chain, resulting in long manual review times and high financing costs. The blockchain's deintermediation, consensus mechanism, and non-tampering characteristics eliminate the need for third-party credit enhancement agencies to verify the authenticity of various relevant certificates in the supply chain, reducing financing costs and shortening the financing cycle.
(7) Asset securitization: The business pain point in this field lies in the fact that the authenticity of the underlying assets cannot be guaranteed; there are many participating entities, multiple operating links, low transaction transparency, and information asymmetry, making it difficult to control risks. The pain point of data lies in the low efficiency of transfers between participants, the clearing and reconciliation of funds between parties’ trading systems often requires a lot of manpower and material resources, and there are multiple online and offline channels for asset repayment, making it impossible to monitor the true status of assets, and there are still assets After the package is formed, the trust of all parties in the transaction chain in the authenticity and accuracy of the underlying asset data is an issue. Blockchain's deintermediation, consensus mechanism, and non-tampering characteristics increase data flow efficiency, reduce costs, monitor the true status of assets in real time, and ensure the trust of all parties in the transaction chain in the underlying assets.
Applications:
(1) Blockchain + Medical: In the medical field, blockchain can use its anonymity, decentralization and other characteristics to protect patient privacy. Electronic health records (EHR), DNA wallets, drug anti-counterfeiting, etc. are all possible application areas of blockchain technology. IBM predicted in last year's report that 56% of medical institutions around the world will invest in blockchain technology by 2020.
(2) Blockchain + Internet of Things: The Internet of Things is a very broad concept. If communications, energy management, supply chain management, sharing economy, etc. are included, the Internet of Things application of blockchain technology will has become a very important application field.
(3) Blockchain + IP Copyright & Culture and Entertainment: The Internet is developing better and better, and digital music, digital books, digital videos, digital games, etc. have gradually become mainstream. The rise of the knowledge economy has made intellectual property rights a core element of market competition. However, intellectual property infringement is serious in the current Internet ecosystem, and the copyright protection of digital assets has become a pain point in the industry. Blockchain features disintermediation, consensus mechanism, and non-tampering. Blockchain technology can effectively integrate all aspects of the cultural and entertainment value chain, accelerate circulation, and shorten the value creation cycle; at the same time, the value of digital content can be realized Transfer, and ensure that the transfer process is credible, auditable and transparent, effectively preventing piracy and other behaviors.
(4) Blockchain + Public Services & Education: In the fields of public services, education, charity and public welfare, issues such as file management, identity (qualification) certification, and public trust all exist objectively. The traditional method is to rely on A credible third party provides credit endorsement, but it is fraudulent or missing.The problem of inequality still exists. Blockchain technology can ensure the integrity, permanence and unchangeability of all data, and thus can effectively solve the difficulties and pain points in these industries in terms of certificate storage, tracking, association, and backtracking.

3. What are the applications of blockchain in the industry

——The following data and analysis are from the "Business Model Innovation and Investment in China's Blockchain Industry" by the Qianzhan Industry Research Institute Opportunity in-depth analysis report".

Currently, blockchain applications have extended from a single digital currency application to various areas of the economy and society, such as the financial industry, copyright protection, traceability and anti-counterfeiting, energy industry, sharing economy, Internet of Things, and many more in the field.

Financial field: the broadest application prospects. Although in the long term, blockchain has application potential in many aspects. But in general, blockchain currently has the best application prospects in the financial field, and related technologies are also developing the fastest. Blockchain systematically solves the pain points and stubborn problems in the entire business chain for financial institutions. Its "systematicity" is mainly reflected in three aspects: Blockchain technology can be applied to different banking services, from payment and settlement to bill circulation and From supply chain finance to more complex securities issuance and trading and other core business areas, financial institutions and technology companies are actively exploring and trying. The benefits brought by blockchain technology will benefit all transaction participants, including banks, bank customers, and bank partners (such as platform companies, etc.). Most of the pain points currently existing in various processes of financial services, such as efficiency bottlenecks, transaction delays, fraud and operational risks, are expected to be solved after the application of blockchain technology. For example, a large number of manual operations, manual verification and approval work in the existing process will be automated, paper contracts will be replaced by smart contracts, and losses due to system errors will no longer occur in the transaction processing link.

Copyright field: Blockchain technology solves copyright maintenance problems. With the development of the Internet, digital publishing has formed a relatively complete industrial chain, bringing considerable income to online writers and other relevant participants. But on the other hand, infringement and piracy restrict the further development of digital publishing, and all parties involved are suffering from it. Although the country has introduced various policies to solve the problem of copyright protection, it is difficult to fundamentally solve it due to limited technical means.

The mathematical principles of blockchain technology solve the problem of ownership confirmation during the transaction process. The recording, transmission, and storage results of value exchange activities are all credible, and can completely solve the problem of copyright protection. Once the information recorded in the blockchain is generated, it will be permanently recorded and cannot be tampered with. Only by possessing more than 51% of the total computing power of the entire network can it be possible to modify the latest generated block record.

4. What are the uses of blockchain and which scenarios are it suitable for?

4 major applications of blockchain

Applications in the financial industry

It can be said that blockchain technology is very suitable for application in the financial industry. Just like our common international exchange, letters of credit, equity registration and stock exchanges, blockchain technology can play a very great value.Especially when making transaction payments, blockchain technology can directly bypass third parties to achieve fast payments, which can greatly reduce costs.

Internet of Things Industry

The application of blockchain technology in the Internet of Things industry is also one of the areas that people are optimistic about and has very good prospects. It is very simple in the logistics industry. , through blockchain technology, the status of products and goods can be monitored and queried in real time at any time, improving the efficiency of supply chain management.

Public service field

It must be said that the public service field can be said to be closely related to people's lives, but because of its wide scope and many other reasons, the problems it brings are also Quite a lot, when it comes to the issue of centralization characteristics, we can use blockchain technology to achieve the results we want.

Digital copyright field

Due to various reasons, there are many incidents of infringement in our society, and through blockchain technology we can promptly own the rights to our works. Upload corresponding certification materials to ensure the authenticity of your rights and interests, and confirm that corresponding records will exist in all subsequent places for your works.

5. In what fields is blockchain suitable for application?

The first one is the information security industry.
The second one is the bill business field
The third one is the payment and settlement business.
Fourth, identity/account authentication business.
Fifth, each node participating in the maintenance of the proof of equity blockchain can obtain a complete data record. Using the characteristics of reliable and collective maintenance of the blockchain, the rights of the owner of the equity can be confirmed.
Blockchain technology is really powerful. With the advancement of the times, this technology may change the development direction and trend of the financial industry, and because the blockchain technology itself has large capacity, high-speed computing, security, and convenience And other characteristics have laid a strong foundation for the advancement and popularization of technology.

6. What is blockchain and what are its applications?

I have seen your question. So, what are the applications of blockchain? The editor will answer it for you below.

Answer: Bitcoin is the first specific application of blockchain. It was proposed in a paper in 2008 by a person or group of people. Bitcoin uses the blockchain to digitally send bitcoins, as BitCoin is known, without the intervention of a third-party middleman.

But Bitcoin is not the only application of blockchain, as follows:

1. Financial field: Applying blockchain technology to the financial industry can eliminate the need for third-party intermediaries. links to achieve direct point-to-point docking, thereby quickly completing transaction payments while greatly reducing costs.

2. Internet of Things and logistics fields: Blockchain can also be naturally combined in the fields of Internet of Things and logistics. Through blockchain, logistics costs can be reduced, the production and delivery process of items can be traced, and the efficiency of supply chain management can be improved.

3.Public service field: Blockchain is closely related to people’s production and life in public management, energy, transportation and other fields. However, the centralized nature of these fields also brings some problems, which can be transformed with blockchain.

4. Digital copyright field: Through blockchain technology, works can be authenticated, prove the existence of text, video, audio and other works, and ensure the authenticity and uniqueness of ownership

< p>5. Insurance field: In terms of insurance claims, insurance institutions are responsible for fund collection, investment, and claims settlement, and often have high management and operating costs. Through the application of smart contracts, there is no need for the policy holder to apply or the insurance company to approve it. As long as the claim settlement conditions are triggered, the insurance policy can automatically settle claims.

6. Public welfare field: The data stored on the blockchain is highly reliable and cannot be tampered with, so it is naturally suitable for use in social welfare scenarios. Relevant information in the public welfare process, such as donation projects, fundraising details, fund flows, recipient feedback, etc., can be stored on the blockchain and transparently and publicly disclosed conditionally to facilitate social supervision.

The above is for your reference only, I hope you can adopt it, thank you!

7. What applications can blockchain have in many industries

The biggest feature of blockchain technology is decentralization, and this feature will reduce a lot of costs for the banking industry. .

First of all, decentralization means that intermediaries are no longer needed to establish a trust mechanism between banking systems, saving intermediary costs.

Secondly, the development of digital currency will make it possible to realize real-time digital transactions in banks. For example, in bill transactions, bank bill transactions have always relied on a third party to realize the transfer of valuable certificates. Even electronic bill transactions require interactive authentication through information from the central bank's ECDS system. Blockchain technology can realize point-to-point transfer of value and no longer requires centralized system control. This not only speeds up the speed of ticket transfer, but more importantly, it can reduce errors caused by human factors and reduce processes. Naturally, it will reduce the bank's demand for personnel and save the bank's labor costs.

Finally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by central clearing, which is inefficient. Settlement through blockchain technology will greatly improve the efficiency of banks.

Blockchain technology also plays a major role in banks’ cross-border payment services. Today, when global trade is highly developed, cross-border payments are becoming more and more frequent, and banks often act as third-party services in cross-border trade, such as electronic transfers, asset custody, etc. However, cross-border payments generally take about 2 days to arrive, which is very inefficient and reduces the utilization of funds in transit. In blockchain technology, both parties of cross-border payments can be completed in a point-to-point manner, achieving round-the-clock payment and real-time arrival, thereby speeding up clearing and settlement, thereby improving the efficiency of bank processing business.

Another characteristic of blockchain technology is de-risking.Banks can establish their own blockchain, which can ensure that the transaction information and transaction records of bank customers are true and valid and will not be arbitrarily tampered with. The bank can effectively identify customer information and understand all aspects of the customer's situation. Identify customers' abnormal transactions to prevent customers from being deceived, thereby reducing the bank's regulatory costs.

8. In addition to being used in virtual currency, blockchain technology can also be used in other areas.

In addition to being used in virtual currency, blockchain can also be used in the financial field and digital currency. , securities trading, fund management, customer credit reporting and anti-fraud, digital points, etc. The usage rate of blockchain in our country is still relatively high at present. Perhaps what we have heard the most before is that it is used in virtual currency.

In summary, in today’s society, blockchain technology has provided us with a wide range of help, and we must make good use of this Technology, use it in various related industries to make our industry develop faster and ensure the interests of our people.

9. Application of blockchain in the financial field

1. Application and development of blockchain

Some Internet, Internet start-ups and traditional finance The industry has begun to try and apply blockchain 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 Large-scale commercial use.

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, uses homomorphic encryption, zero-knowledge proof and other cryptographic algorithms for privacy protection, and uses the Practical Byzantine Fault Tolerance Protocol (PBFT) ) to achieve consensus and use 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.