Blockchain credit records

1.

blockchain itself is not illegal, but if it is used illegally, it is illegal

Li Bin, deputy director of Chongqing big data application and development administration, said that as a disruptive innovative frontier technology in the field of big data intelligence, the Chongqing municipal government attaches great importance to active layout, and the municipal government and Yuzhong District Government jointly build a blockchain base. In the second half of last year, the government issued the opinions on accelerating the cultivation and innovative application of blockchain instry, It has officially launched the construction of a place for strategic innovation of blockchain

while actively encouraging the technological progress and instrial development of blockchain, we will resolutely prohibit the illegal use of blockchain technology in accordance with the requirements of relevant national policies

at present, China's blockchain technology and application continue to innovate, and are graally applied in supply chain finance, credit reference, proct traceability and other fields, with huge development space. As a new technology, if blockchain wants to realize large-scale practical application, it must strengthen the cooperation of instry, University, research and application, and promote the continuous development and maturity of technology and application

since 2017, the development of blockchain technology has aroused the deep concern of the government, enterprises and other sectors. Because of its decentralized, tamperable and traceable characteristics, blockchain attracts investors to add weight to this new technology field. For the previous hot speculation of blockchain technology, the cognition of it and investment circles has become increasingly rational

extended data

"Regulations on the management of blockchain information services (Draft)"

Article 9 blockchain information service providers and users shall not use blockchain information services to engage in activities that are prohibited by laws and regulations, such as endangering national security, disrupting social order, and infringing the legitimate rights and interests of others, and shall not use blockchain information services to proce and use blockchain information services Copy, publish and disseminate information prohibited by laws and regulations

Article 13 a blockchain information service provider shall, as the case may be, take such measures as warning, limiting functions, closing account numbers, etc. for users of blockchain information services who violate laws, regulations and service agreements, so as to timely eliminate illegal information, prevent information diffusion, keep relevant records, and report to relevant competent authorities

Article 18 If a blockchain information service provider, in violation of the provisions of Article 9 of these Provisions, makes, copies, publishes and disseminates information content prohibited by laws, regulations and relevant national regulations, the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government shall give a warning and order it to correct within a time limit according to law

if the circumstances are serious or refuse to correct, the service shall be ordered to suspend, and a fine of not less than 5000 yuan but not more than 30000 yuan shall be imposed, until the relevant departments close the service according to law. If a crime is constituted, criminal responsibility shall be investigated according to law

If a blockchain information service user violates the provisions of Article 9 of these provisions and makes, copies, publishes and disseminates information content prohibited by laws and regulations and relevant national regulations, the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government shall deal with it in accordance with relevant laws and administrative regulations

Article 19 If a blockchain information service provider violates the provisions of Article 6 of these provisions and fails to mark its record number on its network platform, the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government shall order it to make corrections within a time limit according to its ties, and if it refuses to make corrections, it shall be given a warning and fined not less than 5000 yuan but not more than 10000 yuan

Article 20 If a blockchain information service provider violates the provisions of paragraph 1 of Article 4 of these provisions and fails to go through the filing proceres in accordance with these Provisions, the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government shall order it to make corrections within a time limit according to its ties, and if it refuses to make corrections or if the circumstances are serious, it shall be given a warning and fined not less than 10000 yuan but not more than 30000 yuan

Article 21 if the blockchain information service provided by the blockchain information service provider has potential information security risks, the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government shall, according to its ties, order it to rectify and suspend the service within a time limit, and continue to provide information services until it meets the relevant requirements of laws and regulations and national mandatory standards after rectification

if the blockchain information service provider violates the provisions of Article 4, paragraph 2, Article 8, Article 11, Article 12, Article 15 and Article 16 of these Provisions, the state and local Internet Information Office shall give a warning and order it to correct within a time limit according to its ties; If the circumstances are serious or if he refuses to make corrections, he shall be ordered to suspend service and be fined not less than 5000 yuan but not more than 30000 yuan; If a crime is constituted, criminal responsibility shall be investigated according to law

if the blockchain information service provider violates the provisions of Articles 10, 13 and 14 of these Provisions, it shall be handled by the Internet Information Office of the state, provinces, autonomous regions and municipalities directly under the central government in accordance with the provisions of the network security law of the people's Republic of China

2.

On August 16, 2018, Shen rujun, executive director and vice president of Bank of communications, gave a briefing at the regular press conference of the banking instry“ As of July 26 this year, BOCOM has opened 20 domestic certificates of blockchain, with a total amount of 156 million yuan. "

It is understood that for a long time, domestic L / C transactions have to go through a number of banks and express service providers, such as the issuing bank, the advising bank, the paying bank and the negotiating bank. Each institution completes the records in its own accounting system. The information between institutions is isolated and opaque. There are many problems in document processing, such as difficulty in authenticity verification, low efficiency, easy delay, easy loss and so on

in April 2018, BOCOM blockchain domestic L / C project was put into operation. As of July 26 this year, BOCOM has opened 20 domestic certificates of blockchain, with a total amount of 156 million yuan

SHEN rujun said that bocom continued to pay attention to blockchain technology, and analyzed and judged that the domestic L / C, bill and supply chain financial business will bear the brunt, becoming a breakthrough in the application of blockchain technology in the field of banking finance

in addition to L / C, the instry's first blockchain asset securitization platform "jucaichain" was officially launched in bocom on June 27. The basic asset information of the first housing mortgage loan securitization financing proct is linked by bocom, which realizes the credit penetration of the securitization financing business system

3. 1. At the international summit on blockchain held from September 23 to 24, 2016, Ma Zhitao, vice president and chief information officer of Weizhong bank, disclosed that Weizhong bank and Huarui Bank jointly developed a blockchain application system, which can be used for the settlement and clearing of micro loan joint loans of the two banks. The system has been put into trial operation in September. After the introction of the blockchain system, because all information is recorded on the blockchain network and cannot be tampered with, the transaction process is accompanied by the liquidation process, which can complete real-time liquidation< On September 23, 2016, IBM and China UnionPay previewed the "inter-bank points exchange system using blockchain technology", which allows consumers to exchange bonus points across banks and platforms. The points of one bank can be exchanged for bonus points of other banks, and even for mileage of several airlines and supermarket rewards, The system can greatly improve the efficiency of bank points. Take the point exchange as an example. Traditionally, consumers take away goods after exchanging points, but merchants need to prove the user's points and settle accounts before they can finally complete the transaction. The blockchain can link all the credit perfectly. The original trust process and cost that rely on the third party can be removed, and the transaction is settlement
3. The central bank's blockchain digital bill trading platform
in early 2017, the people's Bank of China's blockchain based digital bill trading platform was successfully tested, and then the digital currency Research Institute of the central bank will be officially listed. The people's Bank of China has become the first central bank to study digital currency and its real application
the central bank's blockchain digital bill trading platform introces digital currency for settlement, which can realize the synchronous transfer of capital flow and information flow of digital bill transaction, so as to realize DVP bill settlement; At the same time, through the blockchain digital identity solution, the problem of repeated KYC authentication for users between different financial institutions is solved. You can learn more about it at bitMom

4. Yunnan metallurgy used to be called Gejiu Yunxi company, Dongchuan Mining Bureau, Yimen copper mine and Huize Lead zinc mine.

5. The entry threshold of virtual currency is the lowest, which is relatively reliable. Choose regular exchange hot currency or okex. Leverage trading of foreign exchange futures is very risky. The stock market is not perfect and has little investment value at present.

6. China's credit instry is mainly based on enterprise credit, while personal credit needs to be developed, and the overall market prospect is broad. China's enterprise credit development is early, and the market is relatively mature. By the end of 2016, there are about 137 enterprise credit reference institutions in China. Personal credit has not yet been put into market operation and the license has not been issued yet. Eight units, including Tencent credit, sesame credit, Qianhai credit, lakara credit, Zhongcheng credit, zhongchengxin credit, PENGYUAN credit and Hua credit, have participated in the personal credit pilot organized by the central bank. Private personal credit institutions can indirectly participate in the personal credit market through cooperation with banks and other financial institutions, but they can not directly publish personal credit reports. To obtain personal credit reports, they can only go through the central bank credit system. As of the end of June 2016, the central bank's credit reference center has included 21.2 million enterprises and other organizations and more than 900 million natural persons, of which only 5.77 million have credit records with 410 million natural persons. The data of Experian, a global credit giant, has covered 103 million enterprises and 890 million people in the world. Compared with the market demand and credit market scale of the United States, the future development space of China's credit market is huge

the emergence of blockchain technology has become a good medicine to understand the pain points of credit reference instry. Through the characteristics of authenticity, transparency and non tampering, blockchain technology can solve the problems of trust and data sharing between credit agencies, so as to solve the problems of data island and incomplete data. Through the establishment of an alliance chain, first of all, the problem of data right confirmation can be completely solved. In an alliance chain system, credit reference institutions, users, government departments, financial institutions and other relevant units in the chain can be added, and different access rights can be designed to ensure the ownership of data, open up information sharing, and protect data security from theft and leakage

on this basis, the channels for credit agencies to obtain data are greatly widened, which can save the cost of data collection; At the same time, the cooperation between different organizations has become more smooth, recing the cost of cooperation and communication. Credit agencies can put the saved costs into other links to improve the overall quality of procts<

the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

7. The relationship between blockchain and big data storage is as follows: first, data security: blockchain makes data flow "at ease". Blockchain liberates data with its trustworthiness, security and non tamperability. A typical case is used to illustrate how blockchain promotes the generation of big data for gene sequencing. Blockchain sequencing can use the private key to limit access rights, so as to avoid the legal restrictions on indivial access to gene data, and use distributed computing resources to complete the sequencing service at low cost. The security of blockchain makes sequencing an instrialized solution, realizing global scale sequencing, thus promoting the massive growth of data. 2、 Data open sharing: blockchain guarantees data privacy, and the government has a large number of high-density and high-value data, such as medical data, population data, etc. The opening of government data is the general trend, which will have an inestimable impetus to the development of the whole economy and society. However, the main difficulty and challenge of data opening is how to open data while protecting personal privacy. Data desensitization technology based on blockchain can ensure data privacy and provide a solution for data opening under privacy protection. Data desensitization technology mainly uses hash processing and other encryption algorithms. For example, enigma based on blockchain technology can protect the privacy of data and eliminate information security problems in data sharing by computing data without accessing the original data. For example, employees of a company can safely open the path to access their salary information and jointly calculate the average salary within the group. Each participant can know his or her relative position in the group, but he or she knows nothing about the salaries of other members. Schematic diagram of data hash desensitization processing 3. Data storage: blockchain is a kind of database storage technology that can not be tampered with, with full history and strong endorsement. It can be said that blockchain technology is a specific database technology by all nodes in the network participating in the calculation and verifying the authenticity of their information to reach a consensus of the whole network. So far, our big data is still in a very basic stage. The data based on the consensus of the whole network and the reliable blockchain data are tamperable and historical, which makes the quality of the data gain unprecedented strong trust endorsement, and also makes the development of the database enter a new era. 4、 Data analysis: blockchain ensures data security, and data analysis is the core of realizing data value. In data analysis, how to effectively protect personal privacy and prevent core data leakage has become the primary consideration. For example, with the application of fingerprint data analysis and the popularization of genetic data detection and analysis, more and more people worry that once personal health data is leaked, it may lead to serious consequences. Blockchain technology can prevent this kind of situation through multi signature private key, encryption technology and secure multi-party computing technology. When the data is hashed and placed on the blockchain, the use of digital signature technology can enable those authorized people to access the data. The private key not only ensures the privacy of data, but also can be shared with authorized research institutions. The data is stored on the decentralized blockchain and analyzed without accessing the original data. It can not only protect the privacy of the data, but also provide it to the global scientific research institutions and doctors for sharing. As the basic health database of all mankind, it will bring great convenience to solve the sudden and difficult diseases in the future. 5、 Data circulation: blockchain guarantees data related rights and interests. For valuable data assets of indivials or institutions, blockchain can be used to register them. Transaction records are recognized, transparent and traceable throughout the network. It defines the source, ownership, use right and circulation path of big data assets, which is of great value to data asset transactions. On the one hand, blockchain can break the threat of intermediary ing data, which is concive to the establishment of a trusted data asset trading environment. Data is a very special commodity, which is essentially different from ordinary commodities. It is mainly characterized by unclear ownership and "being owned after seeing and ing", which also determines that the traditional commodity intermediary transaction method can not meet the needs of data sharing, exchange and transaction. Because the intermediary center has the conditions and the ability to and save all the flowing data, it is extremely unfair to the data procers. This threat can not be eliminated only by commitment, and the existence of this threat has become a huge obstacle to the flow of data. Based on the decentralized blockchain, it can break the threat of ing data in the intermediary center and protect the legitimate rights and interests of data owners. On the other hand, blockchain provides a traceable path, which can effectively solve the problem of data right confirmation. Through multiple nodes participating in the calculation in the network, blockchain can participate in the calculation and recording of data together, and verify the effectiveness of their information. It can not only carry out information anti-counterfeiting, but also provide a traceable path. The transaction information of each block is strung together to form a complete detailed list of transactions. The context of each transaction is very clear and transparent. In addition, when people have doubts about the "value" of a block, they can easily trace back the historical transaction records, and then judge whether the value is correct, and identify whether the value has been tampered or recorded incorrectly. With the protection of everything on the blockchain, big data will naturally become more active. The tokens of crowdfunding projects on coin Ying China platform are all developed based on blockchain technology, and relevant information will be recorded on the blockchain.

8. @ block chain God Tucao: a human account, can not be tampered with, can not be deleted, make complaints about Shuo yuan.

9. Theoretically, so far, blockchain can represent the highest standard of credit
the block in the concept of blockchain is the information fast formed by the combination of bitcoin information and time stamp, and then every information fast is linked together to form a chain, that is, blockchain. Such chains can be verified with each other, can be added or removed at any node, and the update frequency is extremely fast. The wide range of distribution and the transparent and open data make the blockchain technology have its own credit attribute
the attributes of blockchain technology can be used to centralize the financial infrastructure, disintermediate the credit of traditional intermediate institutions, and evade the risk of financial instry by relying on the security of blockchain technology. However, these technologies can be realized because blockchain technology reflects the value of credit
for example, equity crowdfunding, the traditional way is to promote the completion of crowdfunding activities through equity crowdfunding platform, which is not only inefficient, but also investors can get less return, and the use of blockchain technology can quickly complete the transaction, so that investors can get richer returns, and these returns can be guaranteed, This is e to the distrust intermediation of blockchain technology
of course, as an emerging technology, blockchain must have some myths in the development process. For example, the underlying technologies and protocols of block chaining technology need to be improved, the time of chain formation is not long enough, and the centralization mode is not absolute enough. These problems may lead to the failure, elimination, bubble or new prosperity of the block chain technology. The emergence of this new technology is based on breaking the shackles caused by the lack of contemporary social credit China trade finance website)
the most important function of blockchain is to keep the records of information and not tamper with it. European crowdfunding uses blockchain technology to make crowdfunding project information more transparent.

10. From Mingguang Road all the way north, it's there