P2P loan blockchain
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 blockchain technology ensures that the P2P network lending platform abides by the bottom line of "not touching funds". In recent years, the instry chaos of P2P online lending platform is mainly manifested in the illegal operation of some inferior platforms by using information asymmetry, and the frequent occurrence of moral hazard problems such as fund pool, illegal fund-raising and Ponzi scheme. Under the blockchain technology, the symmetry of information makes the source and destination of funds transparent, realizes the effective isolation of information and funds, speeds up the market clearing of inferior platforms, and ensures the transformation space from compliance management platform to information intermediary
blockchain technology can effectively enhance the information matching efficiency of P2P network lending platform. The original intention of P2P network lending platform is to realize the disintermediation of funds through Internet information technology, so as to bypass the traditional financial institutions and provide information collection, publication, interaction and loan matching for the realization of direct lending between lenders and borrowers. But in reality, some platforms monopolize the information of both sides of the transaction, control the price and investment direction of funds, and alienate into "traditional financial intermediary" in the Internet channel, which greatly reces the efficiency of information transmission and transaction. Under the blockchain technology, the real disclosure of information effectively reces the cost of risk premium and implicit guarantee of funds, and makes the pricing level of funds more accurate and efficient. At the same time, it can promote the development focus of P2P network lending platform to improve the efficiency of information interaction, improve the success rate of transaction matching, and deeply explore value-added services
blockchain technology can improve the supervision efficiency of P2P network lending platform The measures have established the "double responsibility" external supervision system of banking regulatory agencies and local financial regulatory departments, introced risk control means such as third-party trusteeship and instry self-discipline, and the necessity of anti money laundering risk monitoring is also increasing. Using blockchain technology, the regulatory authorities and trusteeship institutions as a participating node can make full use of the transparency and integrity of transaction information to achieve the regulatory objectives of higher efficiency and lower cost.