张平：Web3.0时代发展我国数字金融技术底座的思考

Views Zhang Ping, an academician of China Academy of Engineering and a professor of Beijing University of Posts and Telecommunications, attended the first digital finance conference of Zhongguancun Forum series activities and delivered a speech on the theme of the development of China's digital finance technology base in the times. He pointed out that China is in the digital finance stage under the deep integration of finance and digital. On the one hand, it is necessary to speed up the construction of a financial powerhouse and promote the high-quality development of digital finance, on the other hand, it is necessary to prevent and resolve financial risks, especially to prevent systematic financial risks. Credible license builds the technical base of digital finance, empowers the development of financial industry, strengthens the research and development and application of blockchain technology, builds the trust foundation of digital finance, promotes the innovation and popularization of distributed storage technology, builds the data cornerstone of digital finance, promotes the optimization and upgrading of encryption algorithms, and builds the security barrier of digital finance. In view of the difficulties and challenges faced, he puts forward the path of building the technical system of digital finance in the era, that is, on the one hand, we should give full play to digital technology and two-wheel drive of digital elements. On the other hand, the all-round development of the digital economy has created more technological innovation resources and application demand scenarios for digital finance. Finally, he concluded that it is necessary to further improve the laws, regulations, rules and standards of digital finance in the future, strengthen international cooperation, and establish a new digital sovereignty and security technology system for digital finance. Zhang Ping, an academician of the China Academy of Engineering and a professor at Beijing University of Posts and Telecommunications, are distinguished experts, guests and guests. I am always glad to attend today's technical seminar. I am Zhang Ping from Beijing University of Posts and Telecommunications. The topic I bring to you today is thinking about the development of China's digital finance technology base. I will report from the following three aspects. First, I will speed up the construction of a financial powerhouse and promote the high-quality development of digital finance. General Secretary Xi Jinping has made important arrangements for deepening the reform of the financial system and improving the function of the capital market on various occasions, especially in General Secretary Xi Jinping's recent speech at the Central Economic Work Conference. It is pointed out that coordinating security and development is a major principle that digital finance must grasp, so the value of digital finance lies in that it provides more convenient cross-border payment and settlement methods to promote economic and trade cooperation. On the other hand, digital finance strengthens the ability of international investment cooperation of financial resources to escort finance to the sea, and at the same time, digital finance empowers green financial innovation to provide all-round financial services to support green development. Today, digital finance is also facing some practical pains. For example, in the aspect of subject change, because the people of the times have insight into the needs of consumers and share common values, and the scene has also undergone major changes, such as online consumption and on-site immersive experience, product change and speeding up new financial risks, which makes China in the digital finance stage under the deep integration of finance and digital. Preventing and resolving financial risks, especially preventing systematic financial risks, is the fundamental task of digital finance and the eternal theme of the second party. Building a safe and credible license to build the technical base of digital finance is the latest stage from to development, which is well known as the stage of portal website. As far as finance is concerned, we started to publish financial information in 2000, and the website was our first prototype. After 2000, it appeared in a relatively extensive stage, with the emergence of online banking and online loans, and entered the normal supervision stage in 2000, that is, the virtual teller meta-cosmic virtual business hall will be the future decentralized and credible value Internet master. The main characteristics of the Internet evolution history of digital finance has also been going on for a long time. From 2000 to 2000, the digital era of the financial industry has been opened, that is, the platform era of the financial industry, that is, the technological era of finance. From the perspective of society, communication technology, network technology and financial application, there are some characteristics and time relationships. I will not tell you one by one that the development of the financial industry is empowered. Strengthening the research and development and application of blockchain technology is to build the trust foundation of digital finance. Promoting the innovation and popularization of distributed storage technology is the data cornerstone for building digital finance, and promoting the optimization and upgrading of encryption algorithms is the security barrier for building digital finance. We all have our own interpretations in these three aspects, and we can also see some transformative effects on financial formats, such as decentralized trading, derivative swap trading, forecasting market transactions and providing liquidity in trading products. And loan products, securities, insurance and issuance, while in the management of ownership products, there are wallet assets management and payment network center. The key word is decentralized finance. We can also see some difficulties and challenges. The blockchain technology has not yet matured, and the blockchain has great defects in throughput delay and other aspects, supporting large-scale applications. The efficiency is very low and the security is not perfect. The difficulty is that the development of complex talents is relatively scarce because it involves the number of comprehensive applications. Learning knowledge such as economics and computer science, the existing training system is not perfect, compound talents are in short supply, and the legal and regulatory systems for some new formats such as product organization are not yet perfect. It is difficult to decentralize. Except for giants, it is difficult for general users to build a specialized blockchain environment. It is difficult to improve infrastructure, such as developing tools, technical standards, business models and distributed identity management. It is also difficult to monopolize computing power. It is a difficult point. For example, in the bitcoin network, the excess network computing power is in the hands of a miner who only accounts for about the total number of miners, which may bring the risk of centralization of computing power. Here are some thoughts on the path of digital financial technology system construction in the era. In the future development process, we should give full play to the two-wheel drive role of digital technology and digital elements to deepen the structural reform of the financial supply side, which is manifested in the continuous injection of digital elements into financial services and the establishment of banks relying on big data technology. In-depth analysis of multidimensional enterprise risk control model and multidimensional social enterprise data, we also have a basic model in speeding up the construction of digital facilities, that is, the model of the future development of the meta-universe. On many occasions, I have said that we have a digital infrastructure, and we need to add the word license and the payment of license outside our technical base, which constitutes the application scene of digital finance. One is to establish a safe and controllable virtual economic space payment mechanism to ensure the safety and reliability of China's digital finance, and the second is to strengthen the data computing power and other production factors to promote the smooth circulation of China's digital economy. 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台

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