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Author |Produced by OdailyIt has been a while since the first batch of filing companies disclosed by the Cyberspace Administration of China, and Odaily has made a series of reports on this. Among the filing enterprises this time, there are 4 in Chongqing. We noticed that among them
Chongqing Xiaoyudian Microfinance Co., Ltd.It is the only company in this list that has applied for and obtained the record as a small loan company, and the name of the record service is "Xiaoyulian".According to previous“2018 China International Intelligent Industry ExpoThat is the "Little Rain Chain" we saw in the filing list.
according toto reportaccording toto report, as of the end of 2018, Xiaoyudian has submitted 83 invention patent applications, the patents involve artificial intelligence, blockchain, big data modeling, risk control and other fields, of which 11 have applied for international patent protection. according to
Patent information mentioned in TianyanchaIncluding: a blockchain-based resource allocation method, system, server, and storage medium; a blockchain-based lending method, device, server, and storage medium; a blockchain-based loan review method and related equipment, etc.
Both "decentralization" and "centralization" of data generation and management are called "dual phases".
By establishing an alliance chain, the "dual phase" value of "decentralization" and "centralization" of data management can be realized, which not only achieves the trust and sharing of data by all parties, but also gives the main responsible party of the data a corresponding center management rights.introduce：Wang Kainingintroduce
Xiaoyu Chain was first successfully applied to supply chain finance, and is currently trying to apply blockchain to food traceability.According to his introduction, the role of Xiaoyu Chain in supply chain finance includes functions such as data storage and digital confirmation of rights. Utilize the non-tamperable characteristics of blockchain data to ensure the authenticity of orders, accounts, contracts and other data, and improve the credibility of data.
Wang Kaining said that blockchain technology provides a solid basic data service for the fintech industry. All parties in the industry can safely and reliably share data on the blockchain, so that fintech can serve the real economy in a new dimension.
For the financial industry, the invention patents applied by DRAIN Chain are integrated with decentralization and centralization, which not only has the controllability brought by centralized management, but also improves the trust brought by decentralization .
It is understood that the company's scientific research and technical personnel account for more than 60% of the company's total headcount. Among them, CTO Wang Kaining graduated from the junior class of the University of Science and Technology of China in his early years, and served as the chief technology officer of Yibao Payment and Zhongan Insurance; he later served as the financial chief information officer of Sany Group. Supervisor Chen Jianming is the former investment vice president of Citibank.Xiaoyudian was established in Chongqing in December 2015 with a registered capital of 300 million US dollars. The inquiry found that Xiaoyudian is a Hong Kong-funded enterprise, which is 100% controlled by a Hong Kong company named "Shuwang Financial Co., Ltd."Li Zhaoji's family, represented by Li Jiacheng, actually controls it.
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