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微众银行预测2021年区块链在业务上的演变:释放、授权和加速

2020-12-31 17:48

 

这是微众银行执行副总裁兼首席信息官马云的嘉宾点评。


所有的关系都建立在信任的基础上。在不可预测的后COVID-19时代,企业面临前所未有的挑战,在这种情况下,建立和传递机构之间的信任仍然至关重要。就其本质而言,区块链有助于提高多方利益相关者的信任,并可在这方面实现更大的合作。


在过去的十年中,越来越多的跨行业和业务场景的区块链应用程序巩固了数字经济的“新基础设施”,为释放未开发的数据来源、增强行业整合能力和加速资产数字化铺平了道路。


在一个比以往任何时候都更加互联(如技术、供应链),同时又更加断开连接(如旅行禁令、隔离命令)的世界里,我们微众银行(WeBank)预计,到2021年,区块链支持的业务场景将会扩大,以重新点燃和激发商业机会。

释放数据的力量


数据是数字经济的基础资源,在新的基础设施中发挥着关键作用。目前,关于如何释放数据的力量,在各个行业做出有意义的贡献的讨论非常热烈。大量的数据已经在交换,预计这一趋势只会在许多国家加速。作为回应,预计进一步的政策和法规制定将界定此类处理或转移敏感个人数据的规则和安全使用。


数据交换可能听起来很简单;然而,许多较小数据集的隔离实际上导致了现有数据利用率不足。这是因为,从大量数据中得出的有意义的见解,只能从一个更大、更全面的个人或企业视角中得出。这种观点需要对这些数据筒仓进行某种程度的整合或聚合,但它会导致对数据权利确定的关注,并增加个人数据保护政策带来的合规风险和复杂性。


为了利用这些竖井数据源,我们认为安全存储、可信传输方法和协作生产是企业在2021年必须解决的三个核心问题。区块链在2021年的一个突破将是如何与其他先进技术(如人工智能、云和数据分析)集成,以解决上述三个关键问题。

赋予行业整合


蓬勃发展的数字化正在加速工业互联网的发展。它需要大数据计算资源,才能使一个可信任的资源网络深度共享和协作。这可以通过三个方面来实现:


1. 降低运营成本:


区块链为工业互联网的发展引入了新的工具和路径。区块链带来的价值包括信任,同时减少了中介的复杂性。它支持信息共享和事务验证。业务流程大大改善,操作能力增强,效率提高。这些好处使企业降低了总体运营成本,向环保又迈进了一步。


2. 升级商业模式,创新收入结构:


区块链不再是纸上谈兵的策略;产业数字化为实施区块链提供了巨大机遇,特别是在新冠肺炎疫情下。除了降低运营成本,区块链还有望通过其全面的加密技术、完整的可追溯性和深度协作能力,促进商业模式和收入结构的创新。


3.支持实体经济。


在不久的将来,区块链将带动金融与其他行业的融合发展。我们相信,金融一体化将为区块链创造新的跨行业金融场景。反之,深化合作也会催生出更多数字化、信息化水平更高的创新金融产品。

加快资产数字化


由于数据权利框架不明确,存在严重的争议和法律问题。而在区块链的帮助下,将预先确定的数据权利提供给数字资产用户的网络。随着越来越严格的监管生效,基于区块链的数字资产正获得越来越广泛的采用。


2021年,我们预计在数字经济中,服务、产品和资产将主要由数字化或区块链支持。央行数字货币(CBDC)将成为此类数字资产最有效的结算工具之一,为数字经济奠定关键的金融基础设施基础。

值此2020-2021年即将到来之际,全球疫情依然严峻,贸易冲突此起彼伏,企业面临严峻挑战。区块链在信任和信息的交流中扮演着重要的角色。协同商业,一种基于区块链的商业模式,需要跨企业和国家边界共享资源和信息,将在2021年成为企业新的商业选择。


事实上,数字技术正在改变商业世界中的信任模式,并为协作商业奠定基础。与此同时,信任的包容性将通过不断创新重新定义业务边界,并进一步加速基于区块链解决方案的协同业务的发展。

 

 

This is a guest opinion post from Henry Ma, Executive Vice President and Chief Information Officer of WeBank.

All bonds are built on trust. In the unpredictable post COVID-19 era, businesses face unprecedented challenges, and the need to build and transmit trust between institutions under these conditions remains of paramount importance. By its very nature, blockchain helps to improve multi-stakeholder trust and can be leveraged to achieve greater collaboration in this regard.

Over the past decade, a growing number of blockchain applications across industries and business scenarios have consolidated a “New Infrastructure” of the digital economy, paving the way to unleash untapped sources of data, empower industry integration and accelerate asset digitization.

In a world that is both more interconnected than ever (e.g. technology, supply chains) and simultaneously disconnected (e.g. travel bans, quarantine mandates), we at WeBank anticipate an expansion in blockchain-enabled business scenarios in 2021 to re-ignite and fuel business opportunities.

Unleash the Power of Data

Data is a fundamental resource in the digital economy and plays a key role in the new infrastructure. There are currently heated discussions on how to unleash the power of data to make meaningful contributions within each industry. Massive troves of data are already being exchanged and this trend is only anticipated to accelerate in many countries. In reaction, further policy and regulation enactments are expected to define the rules and safe use of such handling or transferring sensitive personal data.

Data exchange may sound simple; however, the isolation of many smaller data sets has actually caused an under-utilization of existing data. This is because meaningful insights from much of the data can only be drawn from a larger, more holistic view of the individual or business. Such a view would require some degree of consolidation or aggregation of these data silos, but it leads to concerns of data rights determination, and increasing compliance risk and complexity brought by personal data protection policies.

To draw on these siloed data sources, we believe that secure storage, trusted transfer methods, and collaborative production are three core issues which enterprises must tackle in 2021. One breakthrough of blockchain in 2021 will be in how the technology integrates with other advanced technologies (e.g. AI, Cloud, and Data analytics) to solve the above three key issues.

Empower Industry Integration

The booming digitization is accelerating the development of the industrial internet. It requires big data computing resources in order to empower the in-depth sharing and collaboration of a trusted resource network. This can be achieved through three aspects:

1. Lowering operating costs:

Blockchain introduces new tools and paths for the development of the industrial internet. The value that blockchain brings includes trust while reducing the complexity from intermediaries. It enables information sharing and transaction verification. Business processes are greatly improved, operation is enhanced and efficiency is increased. These benefits allow enterprises to lower their overall operating costs and move one step closer to becoming eco-friendly.

2. Upgrading business models and innovate revenue structures:

Blockchain is no longer an armchair strategy; digitization of industries present tremendous opportunities for the implementation of blockchain, especially under COVID-19. Apart from lowering operating costs, blockchain is also expected to boost business model and revenue structure innovation with its comprehensive cryptography, complete traceability, and ability to enable deeper collaboration.

3. Supporting the real economy:

In the near future, blockchain will drive the integrated development of finance and other industries. We believe that financial integration will create new cross-industry financial scenarios for blockchain. Conversely, the deepened collaboration will also produce more innovative financial products with a higher level of digitization and informatization.

Accelerate Asset Digitization

Dispute and legal concerns are serious due to ambiguous data rights frameworks. Yet, with the help of blockchain, pre-determined data rights are offered to the network of users of digital assets. Blockchain-based digital assets are gaining increasingly wide adoption as increasingly strict regulation comes into effect.

In 2021, we expect that services, products and assets will be mostly backed by digitization or blockchain in the digital economy. Central Bank Digital Currency (CBDC) will become one of the most effective settlement tools for such digital assets, laying the key financial infrastructure foundation for the digital economy.

Now, as we approach the turn of the 2020-2021 year – a time where the global pandemic is still severe and trade conflicts still fresh – enterprises are facing serious challenges. Blockchain is in a strong position to play an important role in the exchange of trust and information. Collaborative business, a blockchain-based business model which entails sharing resources and information across businesses and country borders, is becoming a new business option for enterprises in 2021.

Indeed, digital technologies are transforming the trust paradigm in the business world and are laying the foundation for collaborative business. At the same time, the inclusiveness of trust will redefine business borders with continuous innovation and further speed up the development of collaborative business with blockchain-based solutions.

 

原作者: Henry Ma 来自: Ledger Insights