区块链大型巡回播放第228期“八个核心助力金融”

日常生产和生活中，大到公司之间的买卖，小到街头巷尾的支付，我们依靠背后的银行和支付宝，进行建立信任并验证身份，这是一个核心，它是价值验证，双方交易信任的基础就是价值验证，电子支付必须依靠强大的第三方进行作业，狭义上讲，当然现金买卖除外。接着第二个核心就是价值转移，价值转移，最重要的是不会出现双重支付，区块链对价值转移就好像商品之间的运输，这里有标准化作业流程，目的是减少成本，提高效能，还可以带来不必要的摩擦。第三个核心是价值存储，我们有足够的资金，除了投资理财之外，尤其国人喜欢存储，存储投资，我们期待无风险的回报收益，区块链助力添加有效的机制来管理金融资产。价值贷款是第四个核心，根据个人信用和担保抵押，我们可以从银行贷款，但是这个难度很大，尤其对于小微型企业，贷款难度不可想象，在区块链上，任何人都可以进行债务发行，快速的交易结算，消费者甚至可以从同行手中获得贷款，这也是一种进步。

金融活动中，离不开第五个核心，价值交换，商品定义是凝结在人类劳动中无差别的价值交换，交换意味着交易速度、清算、结算等环节，区块链可以节省所有交易的清算和结算时间，时间就是利润，所以效率可以致富。融资和投资是第六个核心，公司的劳动支付，区块链要做的是，点对点融资，让所有环节安全透明。区块链助力金融的第七个核心是价值保险和风险管理，传统的模式无法控制金融未偿付的场外交易衍生品，区块链使得保险模式透明，去中心化可以使得保险模式更加合理，风险计算更加明晰，目的在于尽最大努力去保护个体和公司不确定的损失。价值核算是第八个核心，传统的会计无法适用金融的操作速率和复杂程度，会计核算是对经济实体金融信息的处理，分布式账本技术的核算方式，审计和财务更加及时，账本相对性公开透明，对于审查和监管更加具有说服力。

In daily production and life, from trading between companies to paying for things on the street, we rely on the banks and alipay behind us, to build trust and verify identity, this is the core, it is the validation of value, the basis of trust is value verification, electronic payment must rely on a strong third party to carry out the operation, in a narrow sense, of course, except cash transactions. Then the second core is value transfer, value transfer, the most important thing is that there will be no double payment, the blockchain to value transfer is like the transportation of goods, there are standardized operating procedures, the aim is to reduce costs and improve efficiency, it can also cause unnecessary friction. The third core is the value store, we have enough money, in addition to investment management, especially the Chinese like to store, store investment, we expect risk-free return, blockchain helps to add effective mechanisms to manage financial assets. Value Lending is the fourth core, according to personal credit and collateral, we can borrow from banks, but this is very difficult, especially for small and micro enterprises, the difficulty of lending is unimaginable, on the blockchain, the ability for anyone to issue debt, settle transactions quickly, and even get loans from peers is an improvement. In financial activities, we can not do without the fifth core, value exchange.

The definition of commodity is the value exchange that condenses in the human labor without difference. Exchange means the links of transaction speed, liquidation, settlement, etc. , blockchain can save all transactions clearing and settlement time, time is profit, so efficiency can get rich. Financing and investment is the sixth core, the company's Labor payment, blockchain to do is, peer-to-peer financing, make all links safe and transparent. The seventh core of the blockchain is value insurance and risk management. The traditional model can not control the financial outstanding OTC derivatives. The blockchain makes the insurance model transparent, decentralization can make the insurance model more reasonable and the risk calculation more clear, in order to protect the individual and the company's uncertain loss as best as possible. The value accounting is the eighth core, the traditional accounting can not apply the financial operation speed and the complexity, the accounting is to the economic entity financial information processing, the distributed accounting book Technology Accounting Way, the audit and the financial affairs are more timely, openness and transparency about the relative nature of the books is more persuasive for scrutiny and regulation.

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编译者/作者：醉玲珑

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