区块链实体商业模式图,区块链赋能实体经济的商业落地

区块链实体商业模式图是指将区块链技术与实体经济相结合，以提升实体经济的效率和可持续性，从而赋能实体经济的商业模式。本文将介绍其中的三个关键词：跨境支付、数字资产和供应链金融。

跨境支付是指在不同国家或地区之间进行金融交易的支付方式。区块链技术可以帮助跨境支付更加安全、快捷、低成本。区块链技术可以极大地减少跨境支付过程中的中间环节，例如银行、支付机构等，从而降低跨境支付的成本，提高支付效率，加快支付速度。此外，区块链技术还可以提供更可靠的数据安全保护，使跨境支付更加安全可靠。

数字资产是指通过数字化形式存储和传输的资产。区块链技术可以帮助数字资产变得更加安全、可靠、可信。区块链技术可以提供不可篡改的数据记录机制，使数字资产更加可靠，同时可以提供更高效的资产转移机制，从而提高数字资产的流动性。此外，区块链技术还可以提供更可靠的数据安全保护，使数字资产更加安全可靠。

供应链金融是指为供应链企业提供的金融服务。区块链技术可以帮助供应链金融更加安全、可信、高效。区块链技术可以提供不可篡改的数据记录机制，从而使供应链金融更加可靠，同时可以提供更高效的金融交易机制，从而提高供应链金融的效率。此外，区块链技术还可以提供更可靠的数据安全保护，使供应链金融更加安全可靠。

以上就是区块链实体商业模式图中的三个关键词：跨境支付、数字资产和供应链金融的介绍。区块链技术可以极大地提高实体经济的效率和可持续性，并为实体经济的商业落地提供有力支持。

⑴ What impact does blockchain have on the real economy

Blockchain has become a new high ground for global technological competition, and its technological applications extend to many areas of the real economy. Actively promoting the deep integration of blockchain and the real economy will help promote my country's industrial upgrading and achieve the goal of high-quality development. Blockchain is a new model of open innovation, a new carrier for coordinating industrial integration and a new path to promote green development. It is in line with the five development concepts of "innovation, coordination, green, openness and sharing". Although blockchain has achieved "revolutionary" technological breakthroughs, there are still some problems and challenges in practical applications.
In the early days of the development of the blockchain industry, through "transactions on the chain", blockchain technology must realistically solve some "small problems" for the industry. Specifically, it can reduce costs, improve efficiency, and create an environment of integrity. Promote the development of the real economy in all aspects.
Blockchain will play the role of “reducing costs for the real economy”.
The current real economy has high costs and thin profits, resulting in insufficient capital support for the real economy. Among operating costs, management costs and financial costs account for a large proportion. Blockchain technology can effectively help enterprises reduce the costs of these two parts.
Blockchain will play the role of “improving the collaborative efficiency of the industrial chain”.
Enhancing industrial synergy is an important way to promote China's manufacturing to the mid-to-high end. However, in many industries, the efficiency of industrial chain synergy is still not high, and this problem is particularly prominent in the field of international trade.
Blockchain will play the role of “building an honest industrial environment”.
At present, the construction of my country's social credit system is accelerating, but in some cases, the process of establishing trust among partners is still slow, it is difficult to obtain various types of credit information, and it is difficult for small, medium and micro enterprises to obtain credit loans from financial institutions. . Through "transaction on-chain", all parties can more conveniently query the accurate historical credit status of counterparties, and can establish cooperation mechanisms more quickly; banks can also more safely grant credit to enterprises based on transaction records, and promote the solution of the problem of honest management. Small, medium and micro enterprises face problems such as “difficulty in financing, expensive financing, and slow financing”.
Blockchain: a new model of open innovation
Blockchain is a decentralized, distributed database system participated by various nodes. It can be understood as a public accounting mechanism (technical solution). The basic idea is to ensure the authenticity and non-tamperability of information by establishing a set of public ledgers on the Internet, and all users in the network jointly record and verify accounts on the ledgers. The reason why it is called "blockchain" is that it uses a series of data blocks generated by cryptographic methods. Each data block contains all transaction information in the past period of time, which is used to verify its information. validity and generate the next block. Complete traceability, decentralization and de-creditation are the three major characteristics of blockchain technology, which give it huge application potential in the financial industry and become the core technology of financial technology. As virtual cryptocurrencies represented by Bitcoin continue to be hyped by the market, blockchain technologyIt has attracted great attention from all walks of life. Although virtual cryptocurrencies such as Bitcoin are currently relatively mature applications of blockchain technology, it must be pointed out that virtual cryptocurrencies are not the only application of blockchain. The essence of blockchain is for decentralization, which is exactly the development trend of the future market.
The Xueshuo Innovation Blockchain Technology Workstation under Lianqiao Education Online is the only approved "Blockchain Technology Professional" pilot of the "Smart Learning Workshop 2020- Xueshuo Innovation Workstation" launched by the School Planning, Construction and Development Center of the Ministry of Education of China. workstation. The professional position is based on providing students with diversified growth paths, promoting the reform of the training model integrating professional degree research, production, and research, and building an applied and compound talent training system.

⑵ What are the physical applications of blockchain?

Blockchain is a very popular term now. It is the same as the concept of "Internet +" in previous years. Many things have It has caught up with the blockchain, but there are still very few blockchain technologies in practical applications. The future development direction is to truly apply the blockchain to medical electronic files, electronic data, electronic contracts, etc. In this category, blockchain should be used in the market for data preservation, originality protection, and electronic signing. After all, it is a high-security technology. Yibaoquan's original insurance and contract insurance seem to be used to protect data in this way.

⑶ What role will blockchain play in the real economy

Blockchain technology is known as one of the technologies of the disruptive era and is expected to promote the technology and development of the entire real economy. Framework, efficiency and model changes. Blockchain technology under such a halo has been given high hopes and is also on the sword of public opinion. No matter what application of blockchain technology is discovered, it will always attract widespread attention from all walks of life.

Looking at blockchain from a peaceful perspective, it is nothing more than a technology, not mysterious or mysterious. Technology itself is not guilty. The advent of a great era will always be accompanied by corresponding bubbles. Only by combining blockchain technology with industry implementation scenarios can its potential value be reflected, and the compatibility with the real economy industry is what determines the future of blockchain. key factor for prospects.

As far as the current situation is concerned, most of the application scenarios of blockchain technology are still in the context of concepts. Even the financial industry can only apply it to the development of blockchain technology in a small part. To achieve complete integration To the extent that it is necessary to effectively change industry rules, reduce industry costs, improve industry efficiency, and improve the investment environment, the value of technological innovation can be fully reflected. The future form will definitely be that blockchain technology is highly empowered in real economic industries, forming the first batch of "blockchain industrial zones" with practical significance, and heading towards the trend of blockchain technology application.

In this way, how does blockchain empower the real economy?

First, blockchain will play the role of “reducing costs for the real economy”. At present, the real economy has high costs and thin profits, resulting in insufficient capital support for the real economy. In operating costs, management costs and financial costs account for a large proportion. Blockchain technologyTechnology can effectively help companies reduce the costs of these two parts.

Secondly, blockchain will play a role in “improving the collaborative efficiency of the industrial chain.” Improving industrial synergy is an important way to promote China's manufacturing to the mid-to-high end. However, in many industries, the efficiency of industrial chain synergy is still not high, and this problem is particularly prominent in the field of international trade.

Thirdly, blockchain will play a role in “building an honest industrial environment”. At present, the construction of my country's social credit system is accelerating, but in some cases, the process of establishing trust among partners is still slow, it is difficult to obtain various types of credit information, and it is difficult for small, medium and micro enterprises to obtain credit loans from financial institutions. Through "transaction on-chain", all parties can more conveniently query the accurate historical credit status of counterparties, and can establish cooperation mechanisms more quickly; banks can also more safely grant credit to enterprises based on transaction records, and promote the solution of the problem of honest management. Small, medium and micro enterprises face problems such as “difficulty in financing, expensive financing, and slow financing”.

In addition, blockchain can use smart contracts to avoid breach of contract and fraud to a large extent, and can also be combined with blockchain asset wallets for efficient and convenient payment scenario applications. As early as in the blockchain circle, there have been many innovation forums and industry summits aiming at the direction of blockchain empowering the real economy and optimizing the implementation in conjunction with local economic industries. For example, the World Blockchain Conference-Macau Station plans to cooperate with the local The economic industry will achieve a deep integration and use the payment method of Magic Chain Wallet to apply and popularize blockchain assets.

It is reported that blockchain industrial zones around the world have also been promoted to varying degrees. For example, Denmark, the Netherlands, Norway and European developed countries have combined blockchain technology with the Internet of Things for traceability of ship cargoes. In transportation, Chile, Argentina and other South American countries have also empowered blockchain technology in energy development and reserve assessment, while Japan, South Korea, Singapore, etc. have entered the cultural copyright market from the perspective of blockchain assets to improve the efficiency of rights protection and improve content. economic conditions for output.

⑷ What exactly is blockchain? Which blockchains have physical applications

What is blockchain?

Official definition: Blockchain is a new application model of computer technology such as distributed data storage, point-to-point transmission consensus mechanism encryption algorithm, etc. The so-called consensus mechanism is a mathematical algorithm that establishes trust and obtains rights and interests between different nodes in the blockchain system.

Vernacular understanding: A block is to package all the data generated within a time period in chronological order. Generally, the length of a block is 10 minutes, which means that within 10 minutes, all the data on the Internet will The data is packed into a complete package, and this complete data package is called a block. The blockchain links these data packages in order to form a structure, and cryptographically ensures that it cannot be tampered with or forged to form a distribution. ledger, this is the blockchain.

It seems that everyone has a preliminary knowledge and understanding of blockchain. So, is blockchain practical in daily life?When applying the mask, the answer is yes. The current practical applications mainly include the following aspects. Of course, I don’t know some of them. Friends are welcome to leave messages to add.

Financial Industry

Blockchain should be used the most in the financial industry.

For example, in May 2017, OMG (Omise Coin) announced that it would cooperate with Alipay to launch an electronic wallet, integrating the "Alipay" payment solution into its own payment service suite to help local electronics in Thailand. Business merchants accept online payment transactions from Chinese tourists.

Another example is PPT, which is a financial transaction system for bills based on blockchain.

Gaming

The gambling industry entered the blockchain probably last year. Why does gambling favor blockchain? Because blockchain provides a relatively fair betting system. Why? It is relatively fair. As can be seen from the previous introduction, the blockchain cannot be tampered with or forged.

For example, WICC (WikiChain) can realize rich application scenarios such as asset issuance, betting applications, copyright traceability, mutual insurance, decentralized exchanges, and cross-border settlement.

For example, the STX (King of Fighters Token) stox application is designed to provide the full functionality of a prediction market application without the need for any central server. Prediction markets require functions such as event planning, market production, providing information and analysis to traders, reporting event results, and of course collection and payment.

I believe that if the current lottery industry is built on the blockchain, people will become more and more enthusiastic about buying, because there are too many insider tips that make people give up.

Internet of Things

The Internet of Things still has many applications on the blockchain, because the traceability and immediacy of blocks are very suitable for this industry.

For example, DATA is the concept of the Internet of Things. It is a decentralized p2p network. Data sources can connect to any node in the entire network, then publish data, and the network will immediately send it to subscribers. Horizontal scalability is achieved through sharding pattern. This timeliness and accuracy are very important in IoT applications.

Game industry

For example, GTC (G coin) is a decentralized digital asset based on Ethereum erc20 issued by Game Global. G coin is committed to becoming a universal number in the global game industry. Monetary standards.

For example, MANA is a distributed shared virtual platform. On this platform, users can browse and discover content and interact with other people and entities. Users can also claim ownership of virtual territories through a blockchain-based land ledger. The territory is demarcated by rectangular coordinates (x, y), and its owner can decide the content published on the territory, including static 3D scenes to interactive systems such as games.

There are many other industries. The emperor did not list them one by one, but listed a few representative ones. What is the purpose? It shows that the blockchain is definitely not just a currency transaction, it has realIt is a real-life project and is a product of the changing times with real practical uses.

The development of human society is actually like the blockchain, it is irreversible and unstoppable. As far as I feel, the blockchain will enter thousands of households sooner or later. Regardless of whether it is bull or bear, hold it in your hands. Value coins and Flush have started quoting digital currencies, which shows that society is accepting it step by step. The power of social development cannot be blocked by any country or person.

⑸ A hundred schools of thought contend | Cai Dong: The "Truman Show" hidden under blockchain technology

About Blockchain The discussion of chain application has now frequently appeared in the public eye. However, when the technology itself is mature enough, what will happen if one day blockchain is truly used in all aspects of life? Imagine that one day, human beings’ entire lives from birth will be recorded on the chain. Will life on the chain be a beautiful credit society like the "Peachland World", or will it be like the movie "The Truman Show" that records life without distinction between right and wrong, making people want to escape?

In this issue of People's Digital FINTECH Hundreds of Controversies column, Mr. Cai Dong, Chief Information Officer of McDonald's (China) Co., Ltd., was invited to talk about whether we will inevitably become a movie from the maturity and application level of blockchain technology. Like Truman in the movie, he lives in the anxiety of being "surveilled" by the whole world all the time.

The 1998 movie "The Truman Show" tells the story of an ordinary little man who, without knowing it, The story of a man who was made into a famous TV star, but was completely deprived of his freedom, privacy and even dignity while the whole world watched him every moment, and became a victim of the mass entertainment industry. In the era of digital economy, Truman’s world is hidden in the technical characteristics of blockchain: decentralization (many viewers), openness and transparency (truth is revealed), and non-tampering (cannot be hidden), which sometimes reveals disturbing features. appearance. In the process of application, will such technology have a huge and irreversible impact on social concepts and personal life? Are we inevitably going to be Truman?

Blockchain technology is considered to be the next generation of disruptive core technology after steam engines, electricity, and the Internet. Since blockchain technology has the characteristics of decentralization, openness and transparency, and full traceability, it can be used to build an encrypted database that is shared by multiple parties, active in multiple places, cannot be tampered with, and has strict timing. Many people in the industry are optimistic about its development and believe that it will It is an upgrade and supplement to existing Internet technology and is expected to become the cornerstone of the digital economy era. However, from the perspective of practical progress, the difficulty of blockchain technology in the implementation process and its impact on current concepts, regulations and social systems have gradually revealed the hidden problems behind it.

I have been working in Wanda since the end of 2015.The group has carried out a very grand practice of digital transformation of physical businesses, and has a lot of emotions. First of all, we believe that blockchain technology itself is not yet mature, so we have participated in various standardization organizations and important international open source projects, and have conducted a lot of basic ecological cultivation and open source research and development work. For example, in 2016 and 2018, under the leadership of the Ministry of Industry and Information Technology, we compiled a blockchain white paper on the development of the blockchain technology industry with other leading enterprises, which can provide a relatively complete guide for enterprises on how to adopt blockchain technology according to local conditions, and help government agencies to judge and formulate regional Blockchain empowerment preferential policies.

From a technical level, although blockchain has the technical ability to record data and cannot be tampered with, copied or deleted, when applied to real life scenarios, A key problem must be solved: How to turn "atoms" in real-life scenarios into "bits" and then put them on the chain? If the authenticity of the data itself is doubtful, or even maliciously falsified by data observers, not only is it meaningless to put it on the blockchain, but its non-deletable nature will also produce meaningless occupation and even negative effects. For now, there is no universal standard for mapping the physical world and the digital world. Although physical businesses have long begun to use IoT technology to digitize the physical world and have achieved many benefits of digital transformation, there is also a lot of IoT data. example on the chain, but this is not enough. Blockchain technology, whether it is the premise of uploading the data itself or the hash value, is the core technical bottleneck of data completeness and system massive processing performance, which has led to no large-scale application so far.

From a social perspective, the decentralization, self-management, and collective maintenance characteristics of blockchain technology are bound to subvert people’s production and lifestyle and dilute the concepts of state and supervision. , impacting current legal arrangements. For these, the entire world completely lacks theoretical preparation and institutional discussion. Even for Bitcoin, the most mature blockchain application, different countries have different attitudes, which inevitably hinders the application and development of blockchain technology. For another example, the openness and transparency brought by blockchain technology can prevent some middlemen from making profit in the entertainment market and bring benefits to consumers of cultural products. It can also make copyright information open and transparent and stimulate active creation in the entire entertainment industry. , produce high-quality content, but it is difficult for users to change their habit of listening to music on centralized platforms in a short period of time. Vested interests in these fields will also be "taken away from the cake". For example, the traditional ticketing market will be challenged. , and may also lead to strong backlash from large companies.

In addition, the threats to personal privacy data that may be brought about by blockchain technology during its application are also worrying. As the digital economy develops in full swing and data is increasingly recognized as a factor of economic production, user data ownership has been repeatedly violated and privacy leaked. Giant Internet companies have gradually become data oligarchs, and data issues have become a global concern.The conflict between ownership and privacy protection is intensifying. The reasonable use of user access, consumption and other behavioral data and user privacy data is an important challenge for modern civilization. It is not only a technical challenge, but also an ethical and compliance challenge. For example, if blockchain technology is applied to the field of biological big data and users' genetic sequencing data are uploaded to the chain, how can the sequencing data of many users be reasonably and legally used in the field of scientific research to reveal the mechanisms of diseases? To benefit future generations of mankind, how to prevent users’ genetic disease and cancer risk information from being leaked by others, which would have a fatal impact on the user’s personal emotional life and social evaluation? The implementation of blockchain technology in the future will inevitably involve choices about the fields it enters, as well as weighing moral and ethical issues.

We can foresee that in the future, more and more things and behaviors will be digitized through data on-chain, and then Be capitalized, but the original ownership of the data is always with the data owner, who is the owner of the data. While enjoying the online value-added circulation of the digital economy, it will also bring people more diverse economic activities in the real economy. But think about this kind of life, do you want to escape?

The theme of the next issue is "The World War of Digital Currency"

Viewpoint 1: Will digital currency rebuild the future monetary system?

Opinion 2: "Suppress the bandits" before the war, the encirclement and suppression of the currency circle is imminent

Who will be invited to debate in the next issue? Stay tuned! Readers are welcome to actively contribute articles to participate in the discussion. Please leave a message in the backstage of the official account or submit articles to [email protected]. Selected content will be announced in the next issue.

⑹ Is blockchain widely used in the enterprise service market?

As a distributed ledger structure, blockchain technology has the public characteristics of being irreversible and non-tamperable. It is not only used in In the financial field, it can be widely used in supply chain management, intelligent manufacturing, culture and entertainment, financial services, medical and health, IP copyright, education, Internet of Things, sharing economy, communications, social management, charity, social employment, and e-government.
At present, domestic Internet and IT are involved in the blockchain industry, and are beginning to develop or launch a series of solutions for basic application cases. In the current development trend, integrating blockchain technology into smart life, Internet of Things and other fields, integrating massive physical business application scenarios, carrying out blockchain + physical industry projects, and realizing the physical transformation and upgrading of the physical industry are among the most promising. One of the representative blockchain application directions.

⑺ What is the value of blockchain application in real industries

The most obvious applications are

1. Think about what it would be like to use it in enterprise applications Blockchain provides more flexible, secure and efficient business processes andDistributed, independent markets. Blockchain allows asset owners to track and trade things of value, such as outstanding invoices, on a transaction “chain” that is more secure, transparent, private and self-coordinating. This capability increases the speed and flexibility of cash and asset management. For example, you are afraid of buying fake goods because one manufacturer transfers production to several middlemen, and then you buy it through the middlemen, not the manufacturer. If all data was decentralized, peer-to-peer, and transparent, then you could buy and pay directly from the manufacturer.

2. The automated market for other assets will be diversified. In essence, blockchain-based transactions can reduce the need for third-party supervision because the software itself is a controlled open architecture and is visible to all parties involved in the transaction. If a company can publish valuable information to multiple potential buyers, and its content can be trusted and authentic to all buyers, and sellers cannot resell, then there will be open and transparent competition when making purchases. environment, sellers can also get better prices.

3. Reduce business transaction friction. Managing expenses is a challenge for most organizations. But blockchain can enable companies to create self-managed networks for suppliers and partners, enabling contract automation, instant payments, tracking of cargo shipments, and visibility of the entire supply chain. For example, if a company transports perishable goods in refrigerated containers, IoT sensors on the truck might call a smart contract on the blockchain when the container temperature exceeds a certain threshold. This will cause the corresponding order to be cancelled, and it will also be able to automatically create a new order so that a second batch of goods can be sent immediately, and the truck with the faulty refrigeration equipment can also be sent to the maintenance department for repair.

4. This type of network reduces transaction errors and information omissions by reducing or eliminating human-computer interaction. And, by connecting buyers directly with sellers, transactions become faster. Manage and secure decentralized private records. Traditional industry practice has been to rely on third parties to secure their shared information databases using firewalls and restricted access. Frequent data breaches show that this approach is not ideal. A fundamental advantage of blockchain is that each individual data record or element is encrypted with the key of a blockchain member. Cybercriminals may need to obtain every key of every member to gain access to all blockchain data. This is not to say that blockchain can guarantee 100% security of all data and help reduce the possibility of large amounts of private records being exposed.

5. A logical application would be employee or student records, where employers, educational institutions and even industry accreditation bodies can add new qualifications, grades or work locations if necessary. Imagine giving employees a key that can access all of their employee records as part of a secure blockchain that encompasses human resources. Individuals can securely share their college transcripts or employment history with other companies or educational institutions without having to rely on unreliable and easily forged transmissions.real. Trace the origin of products and ingredients. Blockchain can help ensure product quality and safety by simplifying how products and ingredients are tracked and located in use. For example, suppose an automobile manufacturer forms a quality-centric blockchain that includes parts suppliers, component assemblers, quality control suppliers, and public regulatory agencies (such as the National Highway Traffic Safety Administration). Then the recall process for defective parts will be handled faster. This realization makes perfect sense when you consider that thousands of lives are lost every year due to defective car parts.

6. Verify identity and verify published information and data. Create better user control mechanisms. User information today can easily be manipulated, distributed to third parties, and even sold, creating revenue streams for social media platform owners that are never shared with the users of the information. Blockchain can disrupt all of these activities. It gives users control over their own information, and exactly where it resides. No platform is accessible without permission. Users can decide who can access their information. They can deal directly with advertisers and third parties as they choose, rather than like others. Furthermore, users can choose to share their information with advertisers on any platform and receive fees.

In summary, blockchain is a chain data structure that combines data blocks in a sequential manner in chronological order, and is cryptographically guaranteed to be non-tamperable and non-tamperable. Fake distributed ledger. Broadly speaking, blockchain technology uses block chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses automated scripts to A new distributed infrastructure and computing method (reference network) that uses smart contracts composed of codes to program and operate data

Applications in finance

Blockchain technology three Big applications

Application of blockchain technology in the field of asset securitization

In recent years, the domestic asset securitization (hereinafter referred to as "ABS") industry has developed rapidly. At the same time, asset cash flow management Problems such as the transparency and efficiency of underlying asset supervision that need to be improved, the low efficiency of asset transaction settlement, and the high cost of credit enhancement have also been gradually exposed. To apply blockchain technology in the ABS field, participants first need to build an ABS blockchain alliance, which consists of asset parties, Pre-ABS investors, SPV (trust), custodian banks, managers, intermediaries, and ABS investors. , exchanges are jointly composed. Its core business includes fund transaction reconciliation, transaction document management, data interaction interface, information release and sharing, underlying asset management, intelligent ABS workflow, etc. Blockchain applications can empower the ABS industry in at least the following five aspects.

1. Improve the cash flow management of ABS.
2. It is conducive to penetrating supervision.
3. It can improve the efficiency of sales and settlement of financial assets.
FourThe efficiency and transparency of securities trading will be greatly enhanced.
5. It can reduce the transfer cost in the credit enhancement process.

2. Application of blockchain technology in the insurance field

The insurance industry has grown rapidly in recent years. However, as regulatory policies for short- and medium-term survival products continue to tighten, the scale of universal insurance business has declined significantly. In the insurance product design process, blockchain is conducive to promoting the breakthrough of bottlenecks and rapid development of insurance categories with strong customized attributes, such as agricultural insurance, product quality insurance, etc.

Quality insurance can endorse the reputation of a company and protect the rights and interests of consumers at the same time. However, insurance companies underwriting quality insurance require comprehensive assessments of companies and products, but these data are often difficult to collect truly and effectively, thus restricting the development of quality insurance. The establishment of a product traceability and anti-counterfeiting application platform based on the underlying technology of blockchain can help insurance companies easily trace information in all aspects of product production, processing, sales, purchase, complaints, etc. through the platform, thereby effectively judging the incidence of quality defects in related products and formulating Insurance products promote consumption upgrading and industrial upgrading.

In the insurance sales process, the application of blockchain technology can simplify the sales process, save sales costs, and achieve traceability of insurance sales. From the perspective of an insurance company, a willing policy holder purchases a policy through a channel, and the channel provider uniformly sends the policy holder's information to the blockchain platform. The platform determines whether the willing policy holder is in the whitelist based on the distributed and stored information. If it meets the standards, then Accepting purchase requests eliminates the previous tedious processes of manual transmission, acceptance, review, and feedback. From a consumer perspective, blockchain technology can realize the traceability of insurance sales behavior and safeguard the legitimate rights and interests of consumers. The insurance sales market has always been full of chaos, and the phenomenon of false advertising of insurance products through deception, concealment or inducement is repeated. Blockchain technology can put key actions in all aspects of insurance sales on the chain and realize the traceability of sales actions throughout the entire process, thereby standardizing insurance sales behavior and promoting the sustained, healthy and stable development of the industry.

In the insurance claims process, the application of blockchain technology can improve claims efficiency and enhance customer experience. The claims and loss handling process is an important process in the insurance market. Complex claims processes increase costs, reduce claims efficiency, and affect customer experience. Smart contract technology can simplify the claim submission process, reduce the need for manual review, and shorten the processing cycle. At the same time, suspicious behavior can be more easily identified through historical claims and asset provenance records in the distributed ledger.
In the field of insurance anti-fraud, the application of blockchain technology can effectively prevent the occurrence of insurance fraud incidents. Insurance fraud not only erodes the profits of insurance companies, but also damages the legitimate rights and interests of other insurance consumers. Although various insurance companies have made great efforts to combat insurance fraud, the reality is still grim. Blockchain technology can help the insurance industry alleviate or even resolve this stubborn problem in at least the following two aspects. The first is to establish an anti-fraud sharing platform to reduce fraud and enhance assessment through historical claim information; the second is to use trusted data sourcesand codified business rules to establish "uniquely identifiable identity information" to prevent identity fraud.

3. Application of blockchain technology in the field of asset custody
In recent years, the global asset custody industry has entered a fast lane of rapid development, with the scale of assets under custody and major custody products maintaining rapid growth. , but there is still a certain gap between this scale and international advanced peers, and there is still a large room for development in my country's asset custody industry.

The application of smart contract technology in the blockchain can effectively solve the operational risks in the asset custody business. The business process of asset custody can be optimized from the following aspects: First, it realizes the automation of the entire process, encapsulates business instruction judgment and execution rules into smart contracts, and uses intelligence to execute contracts and provide risk warnings; second, it improves process efficiency , the real-time sharing of asset changes, transaction details and other information between asset entrusting parties, managers, custodians and agents, eliminating the need for repeated verification and confirmation of rights; third, it ensures the security of contract performance and the authenticity of transactions. By setting keys to ensure the formality of participant information, the limited visibility of ledger information, and the verifiability of transactions; fourth, it ensures that the information cannot be tampered with, and the compliance verification requirements of the investment plan are placed on the blockchain to ensure that each Every transaction is completed on the basis of consensus.

For now, the one most closely related to blockchain is Bitcoin. If you want to know more and some news about the Bitcoin blockchain, you can follow some new media. For example, Sohu, Baijiahao, Mustard Circle and so on. Foreign websites such as CCN and CoinDesk have huge sources of information, which will be of great help to you if you want to understand blockchain and finance. The above content is half handwritten and half quoted. If you still have doubts, you can take a look at the TED talk on blockchain applications linked below, which has Chinese subtitles. Hope it helps you!

Web link

⑻ What is blockchain technology and how it changes business and financial models

Blockchain technology is a distributed ledger technology that allows multiple participants to jointly maintain a secure, transparent and tamper-proof record on a decentralized network. Blockchain technology was originally designed for the digital currency Bitcoin, but is now widely used in many other fields.

The core features of blockchain technology include:

Decentralization: Blockchain has no central control agency, and data is distributed on various nodes in the network, which makes it decentralized. The centralization feature reduces the risk of single points of failure.

Transparency: Transaction records on the blockchain are public to all participants, and anyone can view these records. This helps increase trust and reduce the risk of fraud.

Immutable: Once a transaction is recorded on the blockchain, it cannot be easily modified or deleted. This guarantees data integrity and security.

Smart contracts: Transactions on the blockchain can be automatically executed to implement "smart contracts",That is, automatically perform corresponding operations when specific conditions are met. This helps simplify complex business processes and reduce costs.

Blockchain technology has had a profound impact on business and financial models, which is mainly reflected in the following aspects:

Reducing costs: Blockchain technology can reduce intermediary links and reduce costs. transaction costs and operating costs. For example, by adopting blockchain for cross-border payments, remittance fees can be significantly reduced.

Improving efficiency: The automation and smart contract features of blockchain technology help improve the efficiency of business processes, reduce manual intervention, and reduce error rates.

Enhance trust: The transparency and non-tamperability of blockchain technology help to establish a reliable trust system, reduce the risk of fraud, and provide better protection for business activities.

Innovative business models: Blockchain technology has spawned many new business models, such as decentralized finance (DeFi), digital asset trading, supply chain finance, etc. These new business models have brought disruptive changes to existing industries.

In short, blockchain technology, as an emerging technical means, is gradually changing the landscape of business and finance. With the continuous development of technology and the in-depth promotion of applications, blockchain is expected to have a more extensive and far-reaching impact in the future