Technology of area piece catenary is one kind is had go to a center changing, cost of high security, credence is low, cannot distort and open and transparent the is based on Internet distributed Zhang that waits for a characteristic this technology. It offerred a kind of new credit to create a mechanism, wide applied perspective is shown in financial domain, accordingly also of course ground becomes people to come in the topic that heat discusses.
Orgnaization of domestic and international top finance to the area piece catenary technology takes seriously very, everybody thinks consistently, area piece catenary although not be,overturn to financial industry sexual action, also can bring huge impact, it is everybody below brief analysis technology of area piece catenary is right financial industry basically gets the concussion of region and effect each:
(1) the influence to each country central bank:What trade in view of bit money is hot, the central bank of each countries is in the whole world to consider to be based on the digital money of area piece catenary deep now. From the point of monetary angle, those who be based on technology of area piece catenary add close money to have 3 characteristics: The first, it is a liquidation mode that goes to a center; The 2nd, it is system of a kind of distributed charge to an account; The 3rd, it is the disbursement that a kind of disperse changes system.
The liquidation mode that goes to a center changing needs central bank to provide liquidation service no longer, everything gives Internet " initiative " finish. This means that uses running water Zhang recorded the distributed Zhang of area piece catenary to be on this network from trade to everything present at the beginning record, this means the account remaining sum that can pass calculate cipher out to participate in every trading node, fulfil whole liquidation function automatically thereby, do not need system of bank of have the aid of to undertake was liquidatinged.
Will look from the history, clearing a question is the mainest motive force that central bank is born from beginning to end, the money issues the foundation of authority to depend on squaring advantageous position. Will look from the technology, liquidation of area piece catenary is exceedingly brillant, do not servantchoose a person for a job completely will intervene, everything is handled automatically, and the safety that returns height, than now the Central Bank of each countries uses the sort of turning Zhang system cost wants many low. Face this kind of situation, central bank needs to learn and understand technology of area piece catenary, use technology of area piece catenary actively to design new money, is not to make a society initiative design a money, that may be brought inefficient. Central Bank at least should master game will establish advantageous position regularly henceforth, so that the money after dominant changes, this also is a kind of responsible to the society manner, after all, the money is economic blood.
If want to be on area piece catenary,do liquidation, so the digital money on area piece catenary is super Zhang actually a number that this getting on, this number does not rely on bank account and exist, this is meant, it is on area piece catenary exists digital money is a kind of Lai Yuyin notting comply the independent money of travel system. So, if digital money develops the money that makes a kind of independence, future it will contend for dweller deposit with traditional commercial bank.
The commercial bank may use the mode of small capital fund to answer a technology to develop technical effect, key job makes design loan product, whether is after the product is rolled out, write one's own ticket bought by investor, loan capital fund belongs to investor, the commercial bank helps investor undertake advisory merely, wind accuses and operation, those who earn is the commission such as advisory cost and service fee, turn into kind of profit pattern that invests a bank.
Because this can foreknow, the commercial bank of the future below environment of technology of area piece catenary may admit deposit no longer for the most part, the investor with risk preference higher rate can go to a bank buying the loan property that matchs with his risk preference photograph. Whole banking modes of life and relation to their environment can produce tremendous change.
Current negotiable security is issued with trade flow is multifarious, efficiency is low. And area piece catenary has in the application of this domain the following 3 value:
The first, the flow that area piece catenary can make negotiable securities trades is more concise, transparent, rapid, stockjobber often offers investment to suggest to wait for advisory service only in this moment, more the part that resembling is expert adviser.
The 2nd, the identity that area piece catenary can record negotiant close to real time ground, trade the crucial information such as the quantity, be helpful for negotiable securities issuer understanding clearly quickly more distribute a case, promote commerce decision-making efficiency; In the meantime, the publicity on foundation of area piece catenary is transparent the possibility that traceable electron records a system to be able to reduce camera bellows operation, inside to trade, be helpful for negotiable securities issuer safeguards market justice with superintendency branch, the acting cost that information asymmetry brings is reduced greatly.
The 3rd, area piece catenary makes of a lot of negotiable securities trade the time-interval of day and prompt day from with the day computation shortens to with minute computation, decreased to trade greatly defer and trade risk, the efficiency that improved negotiable securities to trade and can charge a sex, of information deliver more fluent also.
To be in times of area piece catenary lives go down, stockjobber needs capability of aggrandizement software application development, master technology of area piece catenary and design concept, the design gives better product, in order to draw investor attention, the professional competence of stockjobber needs to get be strengtheninged further, it is with value oriented, evaluate and test and verify is of all kinds the value of negotiable securities product, discriminate investment project, offer investment proposal for investor, manage an end for oneself with the appreciation keeping a cost of investor capital fund. Below this kind of circumstance, diminutive specializations stockjobber also can have live very well condition.
Technology of area piece catenary also will produce an effect to insurance industry. Above all, avoid effectively to be sure further con. In real insurance business, the dispute between insurance company and policy-holder happens from time to tome, or policy-holder is cheated protect, or controversy of hair physiology compensate.
What technology of area piece catenary offers is open, share, the sincere letter that real data message defended insurance effectively, and the characteristic of intelligent agreement can avoid manage compensate controversy likewise. Next, the mode of insurance will produce a change. Current insurance is commercial insurance mode, the underwriter is insurance company.
Below this kind of mode, insurance company gets a benefit drive, consider oneself benefit can morely when the risk fixes a price, the relation with the client is contrary. The each other letter with the bit righter place below technology of area piece catenary is carried out effectively of agreement of system, intelligence will transform to coadjutant insurance mode gradually. Below this mode, the underwriter is insurance company no longer however each participator, the insurance premium of pay will be used on insurant body entirely, realized the identity syncretic of underwriter and insurant.
