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After two days of popularity, the blockchain concept has gradually become more rational in the capital market. Many listed companies are "studying the blockchain" during the outbreak of blockchain, but among those who have the most in-depth research on blockchain, commercial banks are definitely one of them. Facing the wave of financial technology, commercial banks have taken the lead in implementing the widespread application of new technologies such as blockchain on business platforms, most notably in supply chain finance and cross-border business. On the blockchain information service registration list released by the Cyberspace Administration of China, 6 banks across the country have registered 14 blockchain services.

Wang Xiao, data network technical consultant of IBM, told a reporter from Securities Daily: "Blockchain is definitely not equivalent to digital currency. It is a new application model that organically combines distributed systems, cryptography, point-to-point communication and other technologies. , you can understand it as a new shared large database. Because blockchain technology has outstanding characteristics such as distribution, difficulty in tampering, traceability, and openness, the application of blockchain in finance will continue to increase in the future.”

6 banks’ blockchain services have been registered

According to the second batch of blockchain information service registration lists released by the Cyberspace Administration of China on October 18, there are a total of 309 domestic blockchain information service names and registration numbers. Judging from the filing situation, the financial industry is the industry where blockchain is most widely used, and financial service platforms are the most widely used fields. It is worth noting that in the wave of financial technology, banks are paying very high attention to blockchain technology. A reporter from Securities Daily found that as of now, 6 banks across the country have registered 14 blockchain services.

According to two batches of blockchain information service registration information from the Cyberspace Administration of China, among the major state-owned banks, ICBC is the first bank to register blockchain information services. It is understood that ICBC has registered 2 blockchain information services this time. Services, namely "ICBC XChain Blockchain Services" and "ICBC Blockchain-Based Financial Services". In addition to ICBC, three banks including Ping An Bank, Bank of Jiangsu and Suning Bank also appeared in the second batch of registration lists. comprehensive statistics,
The 14 blockchain services registered by 6 banks cover major state-owned banks, joint-stock banks, city commercial banks and private banks.

A report released by the Blockchain Research Institute of Guosheng Securities Research Institute pointed out that the banking industry is currently an industry where blockchain applications are relatively concentrated, mainly targeting corporate business and not a large number of individual customers. In particular, the development of the Internet of Things is conducive to tracing cargo information, creating favorable objective conditions for banks to apply blockchain in this field.

"Securities Daily" reporters sorted out the application and deployment of blockchain technology by many banks and found that major state-owned banks are at the forefront of blockchain technology deployment. Among the six major state-owned banks, public information shows that at least five banks have implemented blockchain technology application platforms. For example, Bank of China has launched a blockchain service platform and successfully signed contracts with a number of domestic and foreign financial institutions. Its blockchain technology The bank insurance platform successfully handled the industry’s first blockchain international factoring business.

Joint-stock banks have different speeds in their deployment, but they have established a digital finance department to make efforts

In addition to major state-owned banks, joint-stock banks have different paces in deploying blockchain. At present, many banks are actively promoting the construction and application of blockchain technology platforms in poverty alleviation projects, e-government affairs, cross-border asset business, supply chain services, public welfare donations, etc.

It is worth noting that as early as June this year, China Everbright Bank upgraded the bank’s original electronic banking department to a digital finance department. The establishment of the Digital Finance Department is to actively use emerging technologies such as big data, artificial intelligence, blockchain, and the Internet of Things to transform traditional risk control technologies and methods, enhance the digital and intelligent level of risk management, and empower business development.

The person in charge of the digital finance department of China Everbright Bank’s head office told a reporter from Securities Daily:

“The application of 5G, Internet of Things and blockchain technology is particularly important to the banking industry, especially in building a solid, reliable and socially trusted technology platform. Blockchain technology relies on its decentralization, transparency and non-tampering characteristics. It can better solve the problem of credit.”

Everbright Bank stated that it will use blockchain technology to actively participate in social welfare undertakings. The "decentralization", anonymity, and non-tamperability of blockchain can effectively enhance the credibility of public welfare undertakings while ensuring the security of user information, and make public welfare donations traceable in real time. At present, China Everbright Bank has completed the POC test of the blockchain-based "Mother's Water Cellar" charity donation project.