Block chain reduces underwriting fee
what is centralization
the so-called centralization means "ownership" or ownership by the company. For example, Tencent's q-coin, which is issued by Tencent, is a kind of centralized electronic currency, including the total amount and the issuing method, is supervised and controlled by Tencent. You can use it, trade and go shopping, but you always have to operate in the framework of Tencent, and the final right of interpretation belongs to Tencent
the issuing mode of bitcoin is preset by the program and encryption algorithm, and runs on multiple nodes all over the world. No one or organization can modify it (everyone has his own account book, so it is impossible for one person to control everyone's account book at the same time. If there is such a technology, why should it be so complicated, If you want to blackmail money into your account, you will be the richest man in the world. There is no one left, And it is not controlled by any single person or organization
take an example: for example, Lao Zhang borrows 100 yuan from Lao Li, but Lao Li is afraid that he will default, so he asks the village head to do notarization and write down the account. This is called centralization. But if you don't find the village head, you can use the loudspeaker to shout in the village: "I Lao Li lent Lao Zhang 100 yuan! Please put it in the account book. "We all put this account in our own account book. This is called decentralization
anyone who transfers money between them will release information through loudspeakers. After receiving the information, everyone will record the transaction in their own account book. With distributed ledgers, it doesn't matter if Lao Zhang or Lao Li's ledgers are lost, because Lao Zhao, Lao Ma, Lao Wang and other families have ledgers
the main advantages of blockchain are that it does not need intermediary participation, the whole process is open and transparent, and the cost is low, and the data security is high
at present, blockchain is in a stage where everyone talks about blockchain, but can't perceive its actual technical charm. Since 2017, it has graally come into our sight, and we have graally realized that bitcoin is more fierce than real estate speculation (the price of mining machinery has skyrocketed! The news is on the screen But I still don't know
so, in which fields can blockchain be applied, what kind of changes will it bring to our future life
the core key: everyone has an account book, everyone has an account book, and the information recorded in each person's account book is consistent and synchronous, and the information is completely transparent. If it is fake, it will be the public enemy of the whole people, which greatly increases the cost of data fraud
core key 2: decentralization, which does not need a central system to manage data, prevents some people from changing data and damages the interests of the majority of people
Application:
1. Account security and privacy protection: currency transfer, exchange, payment system. Blockchain can help prevent data manipulation and fraud, prevent distributed denial of service attacks (DDoS), and effectively protect users' network privacy. Key words: anti counterfeiting, anti-counterfeiting, loan payment
2. Copyright regulation and interest disputes: for example, when a song is downloaded, from the author to the procer and then to the singer, they can get payment in real time through the blockchain, without having to wait for a long time like the traditional way, or even get no reward e to right disputes. Instead of waiting for publishers to provide royalty checks, creators can freely control the process from publishing to payment through blockchain application. Key words: real time receipt, no property dispute
3. Internet of things + artificial intelligence: the intelligent devices in the Internet of things based on the blockchain will be used to monitor the real-time situation of urban infrastructure such as bridges, roads, power grids, etc. the blockchain can connect these intelligent devices together for unified management to help them monitor more efficiently. This will help people better understand how to build a smart city in the future. Key words: unified monitoring, intelligent city
4: proof of existence: in life, once you are asked to prove that you are you, that your mother is your mother, that you have never been married, that the house belongs to you, and so on, things seem very simple. Once it falls on you, it is a great trouble. The application of blockchain technology can perfectly solve the above embarrassment. At that time, all the information that belongs to you will be recorded accurately and can not be tampered with. No one has the right to change it. When the technology develops to a certain stage, birth certificate and marriage certificate may be recorded on the blockchain. Keywords: no keywords
in addition to the application scenarios mentioned above, blockchain technology can also be applied to e-commerce, data storage, logistics and other fields. As long as we grasp the characteristics of blockchain technology, it will become easy to understand.
registration is very simple. We only need to provide the identity information of two members and a company name. We will complete it in 10-25 working days.
The distribution of gold mines in the mini world, how to find gold mines in the mini world, and the distribution location of gold mines in the mini world. I believe many small partners want to know about the distribution of gold mines in the mini world, how to find gold mines in the mini world, and the distribution location of gold mines in the mini world. If you want to do a good job, you must first use your tools. The following editor will bring you information about the distribution of gold mines in the mini world and how to find gold mines in the mini world, Let's have a look at the distribution of Mini World Gold Mines ~
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Recommended reading: Mini World Mining Strategy
Distribution of gold deposits:
0 Gold is in the ore. of course, you have to dig very deep to get gold. Generally, you need at least 31 layers to get gold. When you dig with iron pick, you must be patient
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based on this, blockchain technology is considered to be the core technology with the most potential to trigger the fifth round of disruptive revolution after steam engine, power, information and Internet technology.
The application of blockchain technology in the securities instry can increase the flexibility of securities issuance. Companies issuing securities can adopt smart contracts, and even issue securities 24 hours in an ideal state by setting the way and time of securities issuance
under the operation of smart contract, the buyer and the seller are automatically paired, and the settlement and clearing steps are automatically completed through the distributed digital registration system. The transaction records on the blockchain will not be changed casually, so the information entered has the effect of publicity in practice, so there will be no dispute about the confirmation of ownership in the stock exchange
in addition, blockchain technology makes the securities trading process more open and transparent. Through the blockchain technology, the securities instry does not need core institutions to operate and manage, nor does it need investment banks to underwrite, so as to achieve real point-to-point transactions, rece the illegal activities such as the black box operation and insider trading in securities trading, and realize the effective supervision of the securities instry
Analysis of the market situation and development prospects of China's financial technology instry in 2019 analysis of the ten development trends in the future. The article said that with the deep integration of Finance and technology, financial technology is leaping to a new level. On the one hand, banks and other traditional financial institutions continue to add financial technology weight. Postal savings bank, Agricultural Bank of China and other financial institutions recently held a special campus recruitment session for financial technology, and will increase R & D investment in the field of financial technology in 2019. On the other hand, Internet based financial technology companies are rising rapidly. According to the performance reports recently released by Tencent, 360 finance, Lexin and other giants, the revenue of financial technology increased rapidly in 2018, of which the net revenue of 360 finance increased 464% year on year in 2018. At the same time, the "cross-border cooperation" between traditional financial institutions and technology companies is increasingly close, and the development ecology of financial technology is taking shape
instry experts said that the development of financial technology will improve the efficiency of financial operation, bring a new environment for private enterprise financing and financial risk prevention, but also bring new challenges to financial supervision. According to the recent intensive release of signals from regulators, financial technology will receive greater policy support, and financial technology supervision will also be tightened simultaneously
in the future, China's financial technology revenue will be close to 2 trillion yuan
according to the statistical data of analysis report on in-depth research and investment strategic planning of China's science and technology financial services published by prospective instry research institute , China's financial technology revenue in 2013 only reached 69.51 billion yuan. Since 2016, China's Internet finance is graally transforming from user traffic driven to financial technology driven. Although China's financial technology is still in the early stage of development, China's immature financial market provides the soil for the rapid development of financial technology. As of 2017, the total revenue of China's financial technology enterprises has reached about 654.1 billion yuan, with a year-on-year growth rate of 55.2%. According to the prediction of the Institute of prospective instry: in 2018, the total revenue of China's financial technology enterprises reached 969.88 billion yuan, with a year-on-year growth rate of 48.3%. It is expected that at present, financial technology serves financial institutions and is more inclined to the back end of the actual financial business, which is not the most profitable link in the financial instry chain. Therefore, it is difficult for the scale of financial technology revenue to usher in explosive growth in a short period of time, or it will continue to maintain such a stable growth rate. It is predicted that China's financial technology revenue will reach 1970.49 billion yuan in 2020
Statistics and growth forecast of China's financial technology revenue from 2013 to 2020, With the strong support of the policy, financial institutions and technology enterprises continue to increase their investment in financial technology, continuously reflect and release the value of data, enrich the application scenarios of financial business, and innovate financial solutions. Development Bank, unmanned bank, asset securitization, digital bill, non-performing asset disposal and other businesses are graally becoming reality from concept with the help of science and technology. As the fifth generation mobile communication technology (5g), quantum computing and other cutting-edge technologies change from concept stage to practical application, finance, as the first field to embrace technology, will also proce new sparks. In the future, the development trend of financial technology is reflected in ten aspects:1, open bank
open bank is the open service of banks through open application programming interface (API). That is to say, banks open their financial services to external customers (enterprises or indivials) through open platform (OpenAPI) and other technical means. Customers can use the bank's services by calling the API instead of facing the bank directly. Through the opening of API, banks carry out cross-border integration, realize data sharing and scene integration between banks and banks, banks and non bank financial institutions, banks and cross-border enterprises, and greatly expand the ecosystem of banking services
opening up banks has become a new wave of bank transformation at home and abroad in recent years“ The concept of "open bank" originated in the UK. In January 2018, nine UK banks shared data and implemented the concept of "open bank" for the first time. In July 2018, Shanghai Pudong Development Bank took the lead in releasing "apibank" open bank in Beijing, marking the first landing of "open bank" in China. Subsequently, ICBC, China Construction Bank, China Merchants Bank, Instrial Bank of China and Everbright Bank launched exploration one after another to realize the link between financial and life scenes through opening API
the era of open bank 4.0 represented by API
bank is coming. In the future, the business model of banks will be changed from B2C to B2B2C, and the service standard will be upgraded from standard NPs to integrated NPs. With financial services embedded in all aspects of life and proction, the cross-border ecosystem of "scene first, finance second" will become the mainstream. Although the application of open banking is still in the early stage, in the future, the bank's account function, payment function, financial procts, loan procts, etc. will inevitably form a standardized API centralized output, which will become the interface to open up the cross-border ecology
2. Unmanned bank
unmanned bank refers to recing the manpower use of traditional banks through scientific and technological means. Through the use of biological recognition, speech recognition, data mining, artificial intelligence, VR, AR, holographic projection and other scientific and technological means, it can replace the traditional bank teller, lobby manager, guide and other posts, and provide customers with full self-service intelligent banking services
the rection of bank manpower is the general trend at present. At present, most banks have realized the partial replacement of human resources, and a few banks have realized the complete replacement of office and store in the pilot. As of May 28, 2018, a total of 4591 physical outlets of China's banks have exited. Since the second half of 2017, the average growth rate of the number of physical outlets of banks has been 55% on a year-on-year basis. By the end of June 2018, the number of employees of the four major banks had decreased by more than 32000 compared with the end of 2017
in the short term, unmanned banks will still be in the pilot stage. At present, China Construction Bank has started the pilot of unmanned bank, covering more than 90% of cash and non cash businesses by replacing tellers, security guards and lobby managers with more efficient intelligent teller machines, and replacing manual verification with face brushing and ID card brushing. Although the unmanned bank has opened up a new path for the transformation of bank outlets, it is difficult for the current banking business to be 100% unmanned, such as the need to arrange security on ty; When customers open cards and remit money on the smart terminal, they will also arrange on-site service for the sake of security risks. Therefore, in the future, the unmanned bank will still exist as an exploratory pilot
3, quantum computing and finance
quantum computing is a new computing model that follows the laws of quantum mechanics. Ordinary computer uses 0 and 1 states in bit to store data, while quantum bit, the storage unit of quantum computer, besides 0 and 1,
can realize coherent superposition of multiple states at the same time. Therefore,
quantum computer based on quantum computing can record and calculate information by controlling the state of atoms or small molecules, and its storage and operation speed can far surpass that of traditional general-purpose computer. For example, it takes 600000 years to decompose a 400 bit number with a supercomputer, while it only takes a few hours or even dozens of minutes with a quantum computer
quantum computing can greatly improve the efficiency of financial services. Because of its powerful computing power, quantum computing can be applied in many aspects of the financial instry. For example, financial high-frequency trading, using the algorithm to automatically execute stock trading according to the preset trading strategy, under the premise of achieving the same results, quantum computing is much faster than the traditional computer. Another example is fraud detection, which can greatly accelerate the learning speed of neural network by using the fast learning characteristics of quantum computer, and quickly crack down on emerging fraud methods
quantum computing may also bring huge risks to the financial instry. Quantum computing's leap in computing speed may also pose a threat to the existing financial system. For example, many public key cryptosystems currently in use are likely to be cracked under the great computational performance of quantum computing, which will seriously affect the confidentiality and integrity of the Internet and digital communications around the world, and cause extensive and systematic damage to the existing security systems and management mechanisms. Therefore, before the quantum computer disintegrates the current cryptosystem and realizes the commercialization, we must establish the quantum security solution to form the security transition
4, 5g and finance
5g is the fifth generation mobile communication technology, which is the extension after 4G. 5g concept is composed of the landmark capability index "Gbps user experience rate" and a set of key technologies. 5g technology innovation mainly comes from wireless technology and network technology. In the field of wireless technology, large-scale antenna array, ultra dense networking, new multiple access and full spectrum access technologies have become the focus of the instry; In the field of network technology, a new network architecture based on Software Defined Network (SDN) and network functional Virtualization (nfv) has been widely recognized
5g will further optimize the financial services, realize the reconstruction of the financial scene, and inject new vitality into the financial instry. The hot high-capacity scenario of 5g technology will provide users with extremely high data transmission rate to meet the demand of extremely high network traffic density. This technology scenario will effectively improve the rate of mobile financial services and rece payment jams caused by network delay. At the same time, the improvement of the rate will also help to further enrich the payment mode through AR / VR technology, Provide more real scene experience; The continuous wide area coverage scenario of 5g technology can also contribute to the deployment of unmanned bank outlets. Through AR / VR technology, financial services can be brought to remote areas that cannot be covered by previous outlets, and inclusive financial services can be realized. In addition, 5g's low-power, large connection, low latency and high reliability scenarios for IOT business will also achieve the interconnection of everything, obtain massive, multi-dimensional and related data of people, things and enterprises, further optimize the supply chain finance, credit evaluation, asset management and other related financial services, and realize the exploration of more rich scenarios
The development of5g and related instries has brought about broad investment space, which has aroused great financial attention. On the one hand, 5g will provide faster speed and higher bandwidth, promote the further vigorous development of mobile Internet and the innovation of new mode of human-computer interaction, on the other hand, it will also realize machine communication, and hundreds of billions of devices will be connected to 5g network. 5g will also be combined with cloud computing, artificial intelligence, AR / VR, driverless and other technologies to bring more rich application scenarios in the fields of Internet of vehicles, Internet of things, instrial Internet, mobile health care, finance, etc. in addition, 5g network will also be a network with open capabilities. By combining with the instry, operators will build an open business ecosystem with it as the core, To expand new business income model, China Mobile has cooperated with strategic partners to build a 10 billion scale 5g investment fund. Many institutions at home and abroad, such as insurance capital, securities companies, sunshine private equity, venture capital, have also established dozens of 5g instry special investment funds as early as 2017. In the future, 5g and related instries will continue to attract high financial attention