发布于

聚焦区块链革命，破解供应链金融难题 中证信用专家出席“新金融100人”主题论坛

立足于金融科技的行业前沿，聚焦数字金融和区块链技术，由数字资讯服务提供商华尔街见闻主办的“2018‘新金融100人’主题论坛——金融业如何迎接区块链革命”于2018年4月27日在北京举行。本次论坛荟聚了金融科技学界、业界内多位顶尖人物，中证信用科技推进委员会副主任、中证征信首席产品官张哲在会上发表主题演讲，并与万向区块链首席技术官罗荣阁、百度区块链首席架构师肖伟，以及德丰杰龙脉创新基金合伙人王岳华等共同探讨区块链技术在金融领域的革新和发展。

对于业界关注的分布式账本能否以及如何解决供应链金融所存在的诸多难点的问题，张哲在《分布式账本技术在中小微领域的应用》的主题演讲中进行了详细阐释：“在一个完整的供应链金融体系中，每个成员承担着不同的角色，分布式账本技术更好解决了高效互联、真实可信的问题。当金融服务产生，在被授权的情况下，每个合作成员只需要对接一次就可以实时获得所有相关数据，这就大大降低了技术对接的成本，提高了效率，同时解决了信任的问题。”

张哲认为，目前账本可以解决供应链金融存在的四大难题：

第一，解决成本和效率的问题。资金方不再需要对接每一个供应链成员，供应商、经销商、核心企业、资金方，都只需要直接对接一个区块链节点，各个节点间就会自动同步，通过分布式授权获得解密后的数据，这就大大降低了对接成本，提高了效率；

第二，解决信息欠透明和难保密的两头难问题。所有相关的交易数据经过加密后被存储到区块链底层，经过授权的用户将可以完整获取所有的相关数据，权限管理的精度可以精确到每一个字段，彻底实现去中心化的权限管理；

第三，解决资金方操作性风险。所有的数据，包括贸易数据、贷款数据、仓储数据、物流数据，都可以实时存储到分布式账本中，与此同时，这些数据将无法被篡改，被借款人授权后的资金提供方可以全量获取这些资产相关数据，同时可以确保这些数据是可信的。此外，分布式账本特有的合作机制可以进一步从信息层面降低资金方在授信过程中的操作性风险；

第四，解决人工操作过多导致的操作性和欺诈风险。通过基于智能合约的数据准入和校验，可以很大程度解决人工操作过多以及人为欺诈的问题。

最后，张哲表示，中国经济正处于转型升级的关键时期，“稳增长、促改革、调结构、惠民生”是当前经济发展的首要任务。在“中国智造”的大背景下，供应链已发展到与互联网、物联网深度融合的智慧供应链新阶段。相信未来，随着越来越多科技创新应用的落地，供应链企业融资难的问题会得到更好解决，并进一步带动整个经济的发展。

张哲在“新金融100人”主题论坛上发表主题演讲
发布于

监管科技结硕果 中证信用喜获“制度创新实验室”称号

2018年4月27日，前海蛇口自贸片区“改革开放再出发——新平台 新标杆 新作为”系列活动主活动在前海企业公馆特区馆举行，深圳市委常委、前海蛇口自贸片区管委会主任田夫等领导出席了活动。本次会上发布了自贸片区设立三周年改革创新成果报告，并举行了制度创新基地、中心、实验室授牌仪式。中证信用因服务监管科技成绩卓著而被授予“制度创新实验室”称号，并获颁荣誉牌匾。

作为一家全国性资本市场基础性功能公司，中证信用致力于“数据驱动、科技引领，打造新金融”，并积极探索监管科技化的路径，提出了不同场景下的监管科技需求解决方案，得到了有关政府部门的一致认可。

在谈及前海在金融监管创新方面的成果时，现场发布的《白皮书》对中证信用积极参与到全国首创区域性私募信息服务平台——深圳私募基金信息服务平台的建设，探索“互联网+大数据”的“监管、自律、服务”模式等给予了高度评价。与此同时，中证信用旗下子公司中证征信首创的基于大数据驱动的适当性管理解决方案也有效填补行业空白并广获认可。该方案通过全面动态评估投资者风险承受能力、实时定位和监控投资者适当性风险，帮助券商在满足监管机构合规要求的同时，更有效地保护投资者权益。

此外，针对消费金融领域的痛点和问题，公司旗下子公司中证信用云则量身定制出资产风险管理解决方案——“消费金融场景下基于腾讯区块链TrustSQL技术的资产风险管理平台（云瞻平台）”，该平台借助区块链的共享、共识、共担的特性，从信息、资金、权益三个层面实现对底层资产准实时的穿透监控，进一步增加了数据的可信度，并成功入选“2017可信区块链峰会优秀应用案例”。

未来，中证信用及旗下公司将继续发挥公司在资本市场和信用领域的专业理解优势，依托丰富、稳定、高质的信用数据资源和专业技术，保持创新活力和创新机制，争取在金融科技和监管科技创新方面做出更大的贡献。

授牌仪式现场

中证信用喜获“制度创新实验室”称号
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China Securities Credit Investment Awarded “Institutional Innovation Lab”, a top recognition in the field of supervision technology support

On April 27, 2018, the main activity of the series of activities of “Reform and Opening Again – New Platform, New Benchmarking, and New Action” in QianhaiShekou Free Trade Zone was held in the Qianhai Enterprise Mansion Pavilion. The Standing Committee of Shenzhen Municipal Committee and the director of QianhaiShekou Free Trade Zone Management Committee, Tian Fu, along with other leaders, attended the event. At the meeting, the report on the third anniversary of the establishment of the free trade zone was announced, and the awarding ceremony for the system innovation base, center and laboratory was held. CSCIwas awarded the title of “Institutional Innovation Lab” for its outstanding achievements in service supervision and technology, and was awarded an honorary plaque.

As a national capital market basic functional company, China Securities Credit Investment is committed to “data-driven, technology-led, and new-finance”, and actively explores the path of regulatory technology, and proposes solutions for regulatory technology needs in different scenarios, and China Securities Credit Investment has achieved unanimous approval of the relevant government departments.

When talking about Qianhai’s achievements in financial supervision and innovation, China Securities Credit Investment has been highly praised by the “White Paper” released on the event for its active participation in the construction of the first Shenzhen Private Equity Fund Information Service Platform, and its exploration in  “regulation, self-discipline, and service” model of “Internet + Big Data”. At the same time,  China Securities Credit Services Co., Ltd., a subsidiary of China Securities Credit Investment, effectively filled the industry gap and was widely recognized by pioneering the  big data-driven appropriateness management solution. The program helps investors to protect investors’ rights and interests while meeting the compliance requirements of regulators by comprehensively and dynamically assessing investor risk tolerance, real-time positioning and monitoring of investor appropriateness risks.

In addition, in response to the pain points and problems in the consumer finance sector, the company’s subsidiary,  China Securities Credit Technology Co., Ltd., tailored an asset risk management solution – “The asset risk management platform based on Tencentblock chainTrustSQL technology in the consumer finance scenario (云瞻).Relyingon the “sharing, consensus and shared support” features of the block chain,云瞻 platform realized the real-time penetration monitoring of the underlying assets from the “information, capital and equity” levels, further increased the credibility of the data, and was successfully selected as “2017 Trusted Blockchain Summit Excellent Application Case”.

In the future, China Securities Credit Investmentand its subsidiaries will continue to leverage on the company’s professional understanding of capital markets and credit, relying on rich, stable and high-quality credit data resources and professional technology to maintain innovation and mechanisms, and strive for greater contribution in financial technology and the regulation of technological innovation.

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“可信区块链推进计划”启动， 中证信用云成为首批理事会员单位

为落实《“十三五”国家信息化规划》，推动区块链和实体经济深度融合，以及相关标准制定、协同创新、产业融合等工作，在工业和信息化部的指导和支持下，中国信息通信研究院（以下简称“中国信通院”）于2018年4月9日在北京牵头成立了“可信区块链联盟”，并携手会员单位启动“可信区块链推进计划”。中证信用旗下子公司中证信用云成为首批理事会员单位，并受邀参加启动计划。

据悉，“可信区块链推进计划”旨在推动区块链核心技术研究和行业应用落地，加快可信区块链标准的更新迭代，支撑政府决策，促进区块链行业良性稳健发展，提升我国区块链核心影响力。

中证信用云在2017年就与中国信通院展开密切合作，参与数据中心联盟可信区块链工作组的相关工作。在2017可信区块链峰会上，中证信用云自主开发的面向消费金融生态链的区块链应用平台“云瞻”获得了工信部“可信区块链优秀应用案例”奖项。

本次参与“可信区块链推进计划”将成为中证信用云布局区块链发展进程中的重要一步，中证信用云将继续积极探索区块链技术的应用落地，并通过将积累的能力标准化，主动赋能消费金融领域，对外输出资产监控、清算清分、数据风控等工具以及相关服务。目前，中证信用云已经与多家担保机构、消费金融平台达成合作意向。

未来，中证信用云将继续专注消费金融领域金融科技的发展与动向，不断探索将区块链技术为上下游多方建立可信的信用增进平台，构建一种新型的平等互信的合作模式，提升资金和资产的流转效率。

可信区块链联盟第一届理事会成员合影
发布于

中证信用专家出席亚洲金融科技峰会，并发表主题演讲

由国际货币基金组织（IMF）亚太区主办，日本金融厅（JFSA）、日本银行（BOJ）联合承办的亚洲金融科技峰会于2018年4月16日在日本东京召开。本次峰会邀请到了泰国银行金融科技高级总监Buncha Manoonkunchai、蚂蚁金服战略研究部高级总监孙涛、德意志银行亚太市场负责人Boon-Hiong Chan、数据机器人首席数据官柴田光，菲律宾金融局副局长Ma Theresa S. Habitan、国际货币基金组织高级金融观察员Ashraf Khan等重量级嘉宾，并吸引到了近400位专业人士到场。中证信用科技推进委员会副主任、中证征信首席产品官张哲应邀出席峰会，并发表主题演讲。

张哲在本次峰会上的演讲主题为《前沿金融科技在普惠金融领域的应用》。其认为，金融科技的本质在于降低成本和提高效率，通过科技手段可以很大程度上解决获客、风险、运营等问题，将普惠金融真正落实到实体经济。同时，他还分享了区块链、人工智能等前沿技术在大数据风控、数字营销和增长、互联网运营、消费金融、供应链金融、中小微等诸多领域的实际应用案例。

在圆桌讨论环节，张哲还表示，中证信用及中证征信将充分通过科技驱动、科技引领来打造全信用价值链，并以此来打通实体经济和资本市场，通过公司在金融科技基础设施、数据风控、增信、风险管理等领域的优势，构建互联网交易市场，将普惠金融真正落到实处。与此同时，中证信用也将乐于将先进的技术和经验分享到亚洲乃至世界的其他国家，助力提高全球区域的金融科技和基础设施能力。

亚洲金融科技峰会在日本举行

张哲参加圆桌讨论
发布于

China Securities Credit Investment experts attended the Asian Financial Technology Summit and delivered a keynote speech

Hosted by the International Monetary Fund (IMF) Asia Pacific, co-hosted by the Japan Financial Services Agency (JFSA) and the Bank of Japan (BOJ), the Asian Financial Technology Summit as held on April 16, 2018 in Tokyo, Japan. The summit invited BunchaManoonkunchai, Senior Director of Financial Technology of Bank of Thailand; Sun Tao, Senior Director of Ant Financial Research Department; Boon-Hiong Chan, Head of Asia Pacific Markets of Deutsche Bank;Chai Tianguang, Chief Data Officer of Data Robot; Ma Theresa S. Habitan, Deputy Director of the Financial Bureau of the Philippines;Ashraf Khan, senior financial observer of the International Monetary Fund, and other important guests, and attracted nearly 400 professionals. Zhang Zhe, deputy director of the CSCI Promotion Committee and Chief Product Officer of CSCS, were invited to attend the summit and delivered a keynote speech.

The topic of Zhang Zhe’s speech at the summit was “The Application of Frontier Financial Technology in the Field of Inclusive Finance”. He believes that the essence of financial technology is to reduce costs and improve efficiency. The technology can solve the problems of acquiring customers, risk control and operations in a large extent, and truly implement inclusive finance to the real economy. At the same time, he also shared practical applications of cutting-edge technologies such as blockchain and artificial intelligence’s applications in many fields such as big data risk control, digital marketing and growth, Internet operations, consumer finance, supply chain finance, and small and medium-sized micro business.

In the round-table discussion, Zhang Zhe also said that China Securities Credit Investmentwould fully create a credit value chain through technology-driven and technology-led method, and use this to open up the real economy and capital market. Through the company’s financial technology infrastructure, data risk control, credit enhancement, risk management and advantages in other fields as well, China Securities Credit Investmentwill build an Internet trading market and truly implement Inclusive Finance. At the same time, China Securities Credit Investment will also be willing to share advanced technology and experience to other countries in Asia and worldwide to help improve the financial technology and infrastructure capabilities of the global region.