Blockchain P2P Finance
blockchain technology still exists, and
private lending has joined the financial field, because many P2P enterprises, including e-rentbao, have run away, so it is difficult to do,
blockchain technology will announce the end of the significance of the platform. We no longer need the service of the platform, and the platform is still the proct of institutional trust. The last wave of the Internet may be C2B mode, which is the basis of cloud computing and data-driven Internet of animals. This is a great "handover". A flat number claims to carry out double 11 for another 93 years, which sounds tragic and ridiculous. The demise of e-commerce platform is not a trend, it is happening. Instry 4.0 is just in its infancy. Its revolution is mass customization, that is, countless C directly establish communication with B and access to blockchain technology. These B will exist in the block as digital assets and connect with each C point-to-point, end-to-end and P2P. The platform is dead now. Logistics still exists, but the rules have changed. At that time, you will see the words "blockchain technology intelligent logistics solution" in the media. It's a bit too much of a test of our imagination.
as part of the blockchain, the regulatory authorities (central bank, China Banking Regulatory Commission and China Securities Regulatory Commission) can obtain the public account books of P2P transactions in real time, and obtain the financial management projects and capital transfer information of each P2P enterprise by analyzing the public account books, so as to provide low-cost, efficient and reliable regulatory data for the supervision of P2P instry in real time Second, the borrower's credit transparent blockchain is mainly to solve the credit problem, so the blockchain is the most promising application in credit investigation. However, there are many controversies about credit information. After all, the data related to credit information is very sensitive. Both credit information institutions and users do not want to make it public. Data is the lifeblood of credit information institutions. Every family wants others to make it public and keep it secret. Users also don't want their data to be public. Of course, if we can achieve the transparency of credit investigation in the future, it will be very beneficial for P2P investors Third, the transaction structure of low-cost for a P2P platform, the monthly withdrawal fee of users is not a small expense, but the general P2P platform will pay this part of the fee out of their own pocket. It is a good thing for the P2P platform to apply the powerful online transaction function of blockchain, go to the third party payment, or bank fund custody, and complete the fast, prepared and transparent transaction of funds
The current blockchain procts can be defined as Ponzi scheme except bitcoin. The concept of blockchain was born in 2008, but it was after the growing market value of bitcoin that it was recognized by the public and became popular in China. Bitcoin gained its market value only eight years ago after a foreign programmer spent 10000 bitcoins to buy two pizzas. After eight years of long value-added period, the 10000 bitcoins, which once had a market value of only $40, now have a peak value of nearly $200 million
technology is a liar without capital, and the platform built by blockchain without transaction record is a great liar
blockchain builds a fair trust platform with the method of [all bookkeeping] (generally speaking, I called XXX to borrow my 100, and everyone wrote it down, so the transaction can be completed without middleman, and the completion process depends on the records of the whole platform), but the transaction currency does not generate value out of thin air, but accumulates its value little by little in each transaction, In the end, it became money. The endorsement of its value is caused by countless transactions
then other blockchains have three major problems: 1. The maturity of Technology (there is no recognized algorithm now) 2. How can you guarantee the appreciation of these currencies? 3. How to ensure that others don't yell for transactions? The method of blockchain is to increase the difficulty of yelling out (for example, if no one gives me money, I also yell for money, and you can write it down in a small notebook). The method of blockchain is to remember that a small notebook needs to be upside down and write with a pen in its mouth...), so the problem of mining out of thin air may be caused by the technologist
therefore, blockchain is basically a Ponzi scheme except for accumulating a lot of bitcoin in the transaction process. What you're involved in is that the platform will use their virtual currency to trade a lot in the future , whether the monetary value of blockchain output is high or not is e to its trading volume as an intermediate currency, is no different from stock speculation - but stock speculation is actually a Ponzi scheme
the funniest thing is, Blockchain has been calling for decentralization, but if you want to make money to make the circle, the more you have to rely on the endorsement of the big platform to ensure the circulation of money, the more you want to be decentralized, the more you need to help the central GZ government legislate - the funniest thing in life is this, just like VR was riding on pockmango, an AR proct in the first year
the integration of P2P instry and "blockchain" can not only make use of the unique advantages of "blockchain", but also make the whole instry more "transparent", injecting fresh blood into the whole instry. At the same time, as time goes on, blockchain technology may exist in a large ecosystem with both centralized and decentralized modes. In the future world, there may be considerable complementary space for both centralized and decentralized models
however, at present, most of them just stay in the theoretical stage, and the actual application scenarios do not appear. However, the combination of digital currency and tea is indeed a relatively novel project. Puyin group launched the tea based digital currency Puyin.
Can blockchain solve the problem of P2P running
P2P lending was born in the UK in 2005, and has been highly concerned since it was introced into China in 2007. Subsequently, on the one hand, online loans continued to develop vigorously. On the other hand, public opinion topics are frequent, P2P instry is in chaos, and many platforms are suspected of running away and difficult to withdraw cash. At present, the financial chain based on blockchain is trying to solve this problem
in many regions of Asia, Africa and Latin America, financial chain wallet can replace bank card to provide advanced financial services for users without bank card. The cash loan fund can be directly distributed to the user's digital wallet
the main functions of the P2P system developed by using blockchain technology are to help supervise P2P enterprises, transparency of borrowers' credit reference, low cost of transaction structure, and instry infrastructure (blockchain technology can be used as a very important new infrastructure construction for P2P and even the whole Internet financial system). At present, the enterprises that use blockchain technology for P2P system development, such as Yingtang Zhongchuang, are important development enterprises of blockchain technology in transaction system and practical application.
with a simple understanding, blockchain technology can be imagined as a fully centralized and super secure database. The reliability technical scheme of collective maintenance of a data book in a centralized way integrates distributed architecture, P2P network protocol, encryption algorithm, data verification, consensus algorithm, identity authentication, intelligent contract and other technologies, which can solve the problems of low security and poor reliability existing in the centralized mode. Although blockchain can not guarantee 100% security, compared with the current data security technology, blockchain is a huge leap. Unlike the centralized database, the blockchain will not have a single point of failure
the BSC project in Puhua business school takes advantage of the full centralization of blockchain to customize the underlying technology of blockchain and build a data sharing platform based on blockchain technology. Relying on the advanced network security system, it fully integrates the new technology, new thinking and new mode of the Internet revolution era, and forms a new business model with the core goal of win-win of BSC business alliance member enterprises and their associated customers.