In addition to the launch of "Specifications", recently, the Blockchain Research Group of the Digital Currency Research Institute of the People's Bank of China also wrote an article entitled "Development and Management of Blockchain Technology" on "China Finance". This article clarifies the advantages of the unique trust transfer mechanism of the blockchain, and points out some shortcomings, and proposes to guide the healthy and orderly development of the blockchain industry. The article states that to correctly understand the applicable scenarios of blockchain technology, not all projects need blockchains, and not all data need to be chained.
Official actions in the field of blockchain have attracted frequent attention, which has also led to speculation in the industry that the central bank's legal digital currency (DC / EP) may be accelerated. Some people believe that the epidemic is also a catalyst for the digital economy to some extent. The official WeChat public account published by the Central Bank in January of “Counting the Bank's 2019 | Fintech” stated that on the premise of adhering to the double-layer operation, M0 substitution, controllable anonymity, the top-level design, standard formulation, function development, The joint debugging test has been basically completed.
What is the prospect of blockchain in the payment field? Will fiat digital currencies adopt blockchain technology? The Blockchain Research Group of the Digital Currency Research Institute of the People's Bank of China wrote that the blockchain has sacrificed a large amount of redundant data for simultaneous storage and co-calculation, sacrificing system processing efficiency and some customer privacy, and is not yet suitable for traditional retail payments, etc. High concurrency scenarios.
Central bankers have repeatedly stated that the information provided is that under the premise of ensuring centralized management and currency sovereignty, the central bank does not presuppose a technical route in the process of promoting legal digital currency, that is, it does not necessarily rely on a certain technical route.
At the recent MIT Bitcoin conference held at the Massachusetts Institute of Technology, some experts believe that blockchain technology is currently not a design choice for central bank digital currencies. International Monetary Fund (IMF) economist Sonia Davidovich said that although distributed ledger technology can provide a variety of specific functions, including transaction tracking, for central bank digital currencies, it is protecting user privacy and non-blocking The interoperability of chain systems (such as payment systems) and currency value transfers remain incomplete.
Zhou Sha said that the existing public chain-based payment method is a completely decentralized solution. The advantage is that it has a decentralized trust mechanism, but the disadvantages are complex settings, no supervision, no offline payment function, and slow speed. , Unable to support transactions for a large number of users. "The completely decentralized model cannot meet the central bank's requirements for the concurrent amount of retail payment scenarios. However, some improved, hybrid blockchain-like methods may simultaneously meet the regulatory requirements for the centralized management of digital currency and the speed of its operation, Efficiency and safety requirements, "he said.
Zhou Sha said that Jingtong Technology is studying a scalable and fast payment solution based on blockchain. This solution can meet all the important functions that existing cash can accomplish, and can more effectively meet the current and future financial field. Demand for digital currencies.
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