Text/Wang Qiao
Editing / Solo show
Text/Wang Qiao
Editing / Solo show
The Internet is changing everything. More and more companies are counterattacking traditional industries with Internet thinking, enabling the intelligent and ecological transformation of communications, agriculture, finance, culture, automobiles, home appliances and other industries to radiate new industry vitality and huge corporate prospects.
"Internet of Industry and Finance" uses enterprises as users and various transaction scenarios on the industrial chain as application forms. Through financial products designed based on industrial logic, it breaks the boundaries of various industrial chains, integrates resources and optimizes value chains from the perspective of the entire industrial chain. .
According to the concept of integration of industry and finance, how can blockchain and new infrastructure be better integrated? What are the specific scenarios? And what problems will be encountered in the integration process?
Chen Yufeng, deputy general manager and CTO of Yunqu Digital, believes that there will be three difficulties in the integration process of blockchain and new infrastructure. First, how does the integration of new infrastructure and iABCD achieve on-chain and off-chain data collaboration; second, the collaboration of all participants in the industry, from exclusive to shared, requires a more open and inclusive attitude; third, the value competition of enterprises, the global scope The domestic business competition situation is severe.
On September 9th, Gong Haihan, the founder of Zinclink, invited Chen Yufeng, the deputy general manager and CTO of Yunqu Digital Technology, to be a guest at the 66th Zinc Party, sharing on the theme of "Industry and Finance Internet and Blockchain New Infrastructure Practice".
Zinc link: What changes can the proposal of the Internet of Industry and Finance bring about?
The Internet of Industry and Finance can break the boundaries of various industrial chains, integrate resources and optimize the value chain from the perspective of the entire industrial chain, thereby reducing the production and operation costs of the entire society and improving the efficiency of capital use, creating brand-new experiences and social values for enterprises, and ultimately achieving social resources. Optimization.
At the same time, the Internet of Industry and Finance is based on Internet technology and ecology, which realizes the efficient integration of the industry and capital, realizes the value of credit, and ultimately helps the real economy.
The current changes in the industry include our assistance in the digital transformation of banks, providing blockchain infrastructure and platform construction, and effectively helping enterprises in the industry to realize the service model from the traditional service model to the Internet digitalization.
Zinc link: What obstacles will there be in the process of implementing the Internet of Industry and Finance? How to break through? Please explain with your case
In fact, in the past few years, it was difficult for everyone to associate enterprise services with the Internet. It was more about the connection between enterprise services and the service model of the traditional software industry. When you think of the Internet, it’s all mobile Internet, consumer Internet, etc. Now we are actually opening a track, presenting the enterprise services of supply chain finance through the Internet. Help enterprises to embrace the Internet until the Internet of value.
From the "industry + finance + Internet" model, it can provide high-quality financing for enterprises.
At present, the receivable and payable supply chain financial platform realizes trade background guarantee, T+0 financing loan, benchmark interest rate, and financing amount can be reduced to a small amount, and the operation is fully online, providing customers with almost C-end applications while solving financing problems. user experience. I think this is the role of the Internet of Industry and Finance in the field of supply chain finance.
The Internet of Industry and Finance is now at the forefront. In fact, the biggest dilemma is how to meet the growing business needs of customers and the rapid construction of platforms.
At present, Yunqu Digital provides a SaaS-based supply chain financial platform, and we also believe that enterprise SaaS-based services will become the general trend. Through the SaaS construction platform model, the network infrastructure, software and hardware required for informatization will be built by Yunqu Digital Technology. Customers can use the information system through the Internet without purchasing software and hardware, building computer rooms, or recruiting IT personnel. It is this light-weight, easy-to-maintain, and low-cost feature that has changed the platform delivery from the previous "month" to the current "day", and the SaaS cloud is favored by customers.
Some time ago, Yunqu Digital led a large-scale engineering group in Shaanxi to build an exclusive supply chain financial SaaS cloud platform to promote the integration of traditional industries and Internet industries. Based on the business innovation and operation experience of the supply chain financial platform, Yunqu Data provides strong support for the landing of the business. Within 20 days of the launch of this supply chain financial SaaS cloud construction, the project planning, blueprint design, and system implementation stages were completed accurately and efficiently, and it has been successfully launched and put into production.
Zinc link: When it comes to the concept of industrial integration, how do you think new infrastructure and blockchain should be better integrated? What are the specific scenarios?
Let’s take the case of Yunqu Mathematics as an illustration. We provide YQHaaS (Yunqu hyper-integrated open service ecosystem), which includes the service of "one integration, two votes and three chains". Among them, "Yirong" refers to Confident Rong, which is our Yunqu's supply chain financial platform. Yinyi Chain and Three Chains are new infrastructure services provided by Yunqu.
Cunyi Chain is an industry-finance data storage solution provided by Yunqu. It aims to establish a credible and safe industry-finance data distributed storage and collaboration model at low cost, and provides distributed storage infrastructure for different business scenarios and business ecology. At present, it has provided services for the cloud storage certificate of the medium-term cloud chain.
Xinyi Chain is an enterprise digital identity solution and an infrastructure chain for supply chain finance and supply chain management. Help real-world entity enterprises, commercial banks, and non-bank financial institutions establish digital identity authentication portals, solve identity information separation, and multi-platform identity penetration management issues.
Yinyi Chain has built a credible and efficient system direct connection and data interaction network between the supply chain financial platform and the bank. The blockchain automatically subscribes to the services of the connected banking and financial institutions. When the platform has business, the system automatically uploads the business data and "publishes" it to the banking and financial institution system according to the platform's process specifications. The banking and financial institution system does not need to Through the specified platform, the authorized business data that has been uploaded can be directly obtained, and the subsequent business process can be carried out. Based on this new network architecture, the business promotion mode has changed from the platform's active timing query mode to the business self-driven mode. This method helps to solve the waste of upstream and downstream resources in supply chain finance, inefficiency, and improves the credibility of data sources. At the same time, because the data is uploaded to the chain in real time, financial institutions can obtain corresponding data on the chain in real time, and the business system of financial institutions directly connects to the end of data assets, which can realize "docking and financing" after data asset penetration.
Zinc link: Please analyze the difficulties in the integration of new infrastructure and blockchain with a case study, and what aspects should be overcome?
Difficulty 1: Integration of new infrastructure and iABCD, how to carry out on-chain and off-chain data collaboration
Everyone knows that, in fact, for the blockchain, it can guarantee that the data already on the chain cannot be tampered with, traceable, safe, and transparent. However, how to realize the consistency and collaboration of on-chain and off-chain data and ensure the authenticity of on-chain data has always been a difficult problem for blockchain practitioners.
At present, a basic consensus in the industry is the BIoT solution, that is, the blockchain combined with the Internet of Things.
Difficulty 2: The collaboration of all participants in the industry, from monopoly to sharing, requires a more open and inclusive attitude
Nowadays, there is a lot of talk about the sharing economy, and anything can be shared, such as shared cars, shared bicycles, shared accommodation, and so on. In fact, similar to the consumer Internet, the industry and finance Internet also needs to embrace sharing and have a more open and inclusive attitude.
The blockchain has brought about changes in production relations. In the past, data could only be copied through the network. The blockchain has realized the transformation from the information network to the value network, realizing the real transfer of assets and ownership. Originally, we could realize unlimited copying of text, image, audio and video on the Internet 1.0 and 2.0, and transfer of intangible assets (currency, copyright, data), tangible assets (real estate, contracts), and rights and responsibilities on the blockchain. The separation of powers and security of transactions are guaranteed.
