At present, my country's research and development and application of blockchain technology are still in the initial stage, even the central bank is still exploring carefully. At this stage, not only the R&D and application of blockchain technology need to be carried out in a reasonable and orderly manner, but also the regulatory agencies need to formulate sound regulatory regulations. If blockchain technology can be applied correctly, it will surely lead financial innovation in the future and better drive economic development.
According to reports, the People's Bank of China Digital Currency Research Institute has recently established "Shenzhen Financial Technology Co., Ltd." in Shenzhen. It is reported that the company has also participated in the development of trade finance blockchain and other projects.
According to the information currently available on the Internet, the registration date of "Shenzhen Financial Technology Co., Ltd." is June 15, 2018, with a registered capital of 2 million yuan. Its business scope is "financial technology-related technology development, technology consulting, technology transfer, technical services; financial technology-related system construction, operation and maintenance".
In fact, the central bank's layout in the blockchain field is not only that. On September 4, the "Bay Area Trade Finance Blockchain Platform" was launched in Shenzhen and entered the trial operation stage; the Financial Technology Research and Innovation Center in Nanjing was officially inaugurated on August 28; and earlier, the central bank digital currency research The "Digital Bill Trading Platform Experimental Production System" jointly promoted by the Institute and Shanghai Stock Exchange was also put into trial operation at the beginning of this year.
It can be seen from the central bank’s move to deploy blockchain technology that it is only a matter of time before the blockchain technology is fully used by commercial banks.
So, what exactly is the smashing block chain? In a narrow sense, blockchain is a technology that connects data blocks in chronological order to form a chained data structure, and is supplemented by the principle of cryptography to make it a distributed ledger that cannot be tampered with or forged; Broadly speaking, blockchain technology is only a foundation, and a new database technology is formed after combining existing distributed ledgers, encryption algorithms, P2P and other technologies on this basis. Simply put, the blockchain uses its own distributed data nodes to realize the storage, verification, transmission and communication of network data.
Blockchain technology emerged with the emergence of Bitcoin in 2009. After a series of drawbacks such as large price fluctuations, long confirmation times and high transaction costs of Bitcoin have been revealed, the blockchain as the underlying technology of Bitcoin has gradually become independent of Bitcoin in recent years, and has increasingly appeared in people’s field of vision alone. .
Blockchain technology is favored by financial institutions and Internet companies because of its two most important characteristics: first, decentralization. This term has been repeatedly quoted in recent years, and no one is unfamiliar with it as long as it is a practitioner. As an independent technology, the blockchain is not subject to central control and does not rely on third-party institutions, saving maintenance costs. Second, security. The transaction information on the blockchain is open and transparent, but the information of all parties is encrypted by algorithms to achieve anonymity. If you want to tamper with the data, you must control at least 51% or more of the data nodes in the entire network.
With the popularization and application of the Internet, many technologies such as "artificial intelligence" and "big data" have emerged one after another. However, the commercial banking system has limited application of these technologies and is still highly dependent on paper documents, existing systems and various intermediaries.
The emergence of blockchain technology has provided potential solutions to many problems currently existing in commercial banks. Based on the characteristics of blockchain technology, if commercial banks can mature and use this technology, it is likely to bring subversive changes.
First of all, blockchain technology can change the traditional business model of banks, optimize processes and reduce costs. The business model that required a lot of manpower and material resources in the past will be streamlined, and the entire system will be more intelligent.
Secondly, the security of blockchain technology ensures the reliability of transactions. The distributed data structure prevents a single point of damage. With the support of algorithm encryption, security is further improved, which reduces the bank’s liquidity risk, Various risks including credit risk.
Third, blockchain technology enables banks to get rid of dependence on various intermediaries as soon as possible, which will also directly lead to the transformation of various settlement and payment systems.
Finally, with the rapid development of "Internet +", convenient and efficient services have become an important requirement of customers. For the banking industry, traditional counter services can no longer meet the needs of customers. Flexible and changeable service scenarios are what customers need. The final appeal, and the blockchain provides technical support for such a scenario to become possible in the future.
At present, my country's research and development and application of blockchain technology is still in its infancy. Even the central bank is still cautiously exploring blockchain technology. At this stage, it is not only necessary to carry out the R&D and application of blockchain technology in a reasonable and orderly manner, but also to formulate sound regulatory regulations by regulatory agencies to avoid improper use of blockchain technology. Blockchain technology has always been regarded as an important technology that is likely to subvert the existing pattern of the financial field. If it can be applied correctly, it will lead financial innovation in the future and better drive economic development.
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