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Star Media STARMEDIA (ID: Star_Media1)

, Author: Xuesui, reproduced by Odaily with authorization.

This year's market is very "south". In order to "get out of the circle" in the south, even the banks have tried their best to "get out of the circle". Please see the latest "marketing" copy of Bank of China below:

On April 21, the WTI crude oil May futures contract had a historically negative settlement price of -37.63 US dollars per barrel. BOC crude oil treasure users not only lost all their principal, but also owed a huge amount to BOC because the system did not trigger the early warning mechanism to close their positions in time funds.

Immediately afterwards, the crude oil treasure rights protection group was pulled up, but this time the target was not the project party or the exchange, but the bank representing "trust".

On the same day, there were more than 10 topics discussed in Bank of China on the single microblog platform, with more than 100,000 comments from netizens and more than 10 million views of the event.

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In order to get out of the circle, the bank played "radish squat"

A few days after the incident, the bank played the game of carrot squatting.

On May 6, the talk show artist Chizi broke out. In the labor dispute with the contracted company Xiaoguo Culture, CITIC Bank obtained the transaction details of his personal account without authorization on the grounds of cooperating with large customers. As soon as the news came out, there was an uproar. Successfully lay down the gun.

According to relevant legal provisions, anyone who leaks other people's privacy without the consent of the party concerned or the authorization of the relevant law enforcement agency shall bear civil liability.

So far, what we have seen, CITIC Bank apologized on Weibo, and the branch president was dismissed. However, the result of this treatment seems to be unacceptable to young people in the back wave, and they "asked" how to become a big customer of the middle bank, just wanting to see Jack Ma's turnover.

The public apology of CITIC Bank this time is directly related to the identity of the victim Chizi as a public figure. Just imagine, as an ordinary person, how to leverage the power of the public and legal means to protect rights, and how many similar things are unknown Incident, I shudder to think about it.

It is not the first time that China CITIC Bank has leaked personal information.

As early as September 17, 2018, the Taiyuan Branch of China CITIC Bank Co., Ltd. was fined 590,000 yuan by the People's Bank of China for inquiring depositors' credit information without the consent of depositors. Organs are held accountable.

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Is it "excusable" to obtain personal information?

"The general unspoken rules in the industry are just on the table. What exists may be reasonable, but it may not be legal." Xiao Wang (pseudonym), an insider in the banking industry, told us.

For most domestic banks, deposits from major customers are God. Similar to the customer manager of a branch in a county in Hunan, the average daily KPI deposit requirement reaches 700,000 RMB. If the task cannot be completed, he will be transferred to a more remote area. However, for some cities with a backward economy and a large number of left-behind elderly and children, it is not easy to achieve an average daily KPI of 700,000.

And in order to "live", one has to come up with "unique tricks". Thinking about it this way, the appearance of such a big client like Xiaoguo Culture is the bread and butter of both low-level employees and authorized leaders. Therefore, it is not nonsense that CITIC’s apology letter said that it should be requested by a big client to cooperate with the transfer.

On April 12 this year, according to online revelations, personal information of bank users was sold at a public bidding price on foreign media platforms, involving three banking institutions, Agricultural Bank of China, Bank of Shanghai, and Industrial Bank of China, and the number of user information sold ranged from 100,000 to 800,000.

According to the publicly sold information, the bank’s personal information is detailed, similar to streaking. In addition to basic information such as account opening name, age, and place of origin, it also provides information such as bank account number, bound mobile phone number, and home address.

As soon as the news came out, the major banks involved clarified that the online sales of depositor information did not match the real customers of the bank. It is not ruled out that criminals forged, pieced together, and sold the so-called bank customer information for improper benefits. However, this statement is true. Pending evaluation.

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After talking here, some people will want to say, at this time, do you want to promote blockchain technology to protect privacy? Don't talk about it, when it comes to this, why is there a feeling of being slapped in the face.

Although from 2015 to the present, there have been many reports about the development process of blockchain-related technologies, but whether it is TO B or C end, it is rare that it can actually be implemented, and most of them are in a short-lived state, such as Netease Odaily, Lucky Cat, etc. , After earning a wave of traffic by using the new concept of blockchain blessing, it gradually disappeared.

Similarly, in October 2018, the Dutch International Bank (ING Bank) also proposed to use the zero-knowledge proof mechanism to solve the privacy protection of bank users, but in the past few years, it has not heard much about similar research and development processes. .

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Pseudo-concept? Blockchain: I am "South"

To understand why it is so difficult to implement the blockchain, we must go back to the essential research of the blockchain. The essence of the blockchain is not to issue coins, not to be a wallet, and even less likely to be an IEO, but a new and very low-level cryptography technology.

For example, the Internet in the 1990s and cloud computing 10 years ago. When looking at online shopping at that time, cloud computing is simply a fantasy (although I still don’t understand it now as a liberal arts student). It is also after nearly 30 years of exploration and research. The popularization of re-education has made it commonplace today.

The reason why there are few implementations now is that the underlying public chain technology is not perfect enough, and the transaction processing speed on the chain is limited.

Taking bitcoin as an example, the current upper limit of a single bitcoin block size is 1M, and it takes about 10 minutes to produce a block, and the average size of each bitcoin transaction is about 250 bytes, or 0.25K.

Therefore, the number of transactions per block = 1*1024*1024/250=4194.304, and the transaction volume that can be processed per second = 4194/(10*60) = 6.99, so the Bitcoin system can package about 7 transactions per second on average Pen, while Alipay cloud computing Double Eleven processing rate is 61 million times per second.

From a computing point of view, capacity expansion is imminent.

However, if the block size is simply increased (expansion), it will lead to an increase in the block propagation delay rate, which will directly lead to a series of problems such as block forks and waste of computing resources. The current expansion and transaction speed are also limited. Technology overcomes difficulties.