目前区块链在金融领域有部分应用案例尝试，主要包括数字货币、支付清算、数字票据、资产证券化、供应链金融等
Currently, there are partial attempts to apply the block chain in the financial field, mainly in digital currency, payment liquidation, digital paper, securitization of assets, supply chain finance, etc.
本报记者 李 冰
Reporter Lee Ice.
曾几何时，区块链作为当下炙手可热的一项技术，在被十分看好的“钱景”下，众多创业者和机构前赴后继。
Once upon a time, the block chain, as a hot technology at the moment, was followed by many entrepreneurs and institutions under a very well-visited “money view”.
进入2018年，区块链在金融领域有部分应用案例尝试，主要包括数字货币、支付清算、数字票据、资产证券化、供应链金融等。虽然大多数仍处于尝试的状态，但BATJ等互联网巨头在其中的角色却举足轻重。
In 2018, there were partial attempts to apply the block chain in the financial field, mainly in digital currency, payment clearing, digital paper, securitization of assets, supply chain finance, and so on. While most are still trying, the role of big Internet players like BATJ is important.
在BATJ（百度、阿里、腾讯、京东）的区块链版图中，记者发现有很多共同点：第一，几家互联网巨头很早就都明确不碰ICO，更注重将区块链应用到公司业务中，同时也都在强化对底层技术的研发投入；第二，区块链技术的研发机构都以旗下金融业务公司为主。
In the BATJ (100 degrees, Ali, Tseng, and Kyung-dong) sector chain map, journalists found many common elements: first, several Internet giants had been clearly absent from ICOs at an early stage, focusing more on the application of block chains to company operations, while also strengthening research and development inputs for bottom-level technologies; and second, the research and development agencies for block-chain technologies were dominated by financial operators under the flag.
BATJ区块链版图浮出水面
仔细研读BATJ在区块链布局的路径，或许能让我们从“币”中走出来，认清区块链到底是什么。
A closer reading of BATJ's path to the block chain layout may allow us to come out of the currency and see what the chain is.
《证券日报》记者发现，2015年，百度就开始探索区块链在金融领域的应用并开始组建相关团队；2016年投资了美国区块链技术公司Circle；2017年7月份，百度金融推出了区块链开放平台“BaaS”，致力于打造最具易用性的区块链工具，适用于支付清算、数字票据、银行征信管理、权益证明和交易所证券交易、保险管理、金融审计等领域。到目前为止，该平台已经支撑了超过500亿元资产的真实性问题；2017年8月份，由百度金融参与的国内首单运用区块链技术的交易所资产证券化产品获批发行；2017年10月份，百度金融正式加入Linux基金会旗下Hyperledger“超级账本”开源项目，成为了继埃森哲、Airbus、美国运通、芝加哥商品交易所集团、戴姆勒、美国证券托管结算公司、摩根大通等金融、医疗、物联网及航空等领域巨头之后该项目的又一核心董事会成员。
The Daily Securities Journal journalist found that in 2015, 100% began exploring the use of block chains in the financial sector and started forming teams; in 2016, the US Corporation of Block Chain Technology, Circle; in July 2017, 100% Finance launched the Block Chain Open Platform, “BaaS”, which aims to create the most usable block chain tools for payment settlements, digital instruments, bank letter management, certificate of interest and exchange securities transactions, insurance management, and financial auditing. So far, the platform has supported the real problem of more than $50 billion in assets; in August 2017, the market securitization product of the 100-degree financial front-line application of block chain technologies was issued; and in October 2017, 100% Finance formally joined the Hyperdger “super-account” project under the Linux Foundation and became a central board member of the project in areas such as finance, medicine, networking and aviation.
阿里阵营中负责推进区块链的是蚂蚁金服。阿里首席战略官曾鸣曾透露，蚂蚁金服从2015年开始布局区块链。记者发现，蚂蚁最先应用的区块链场景不是金融，而是各种生活场景。资料显示，目前蚂蚁区块链技术已经成功应用到食品安全溯源、商品正品保障、房屋租赁房源真实性保障甚至公益中，都是生活中实实在在的场景，背后市场也是巨大的。最近，蚂蚁还在研发将区块链落地用于城市房屋租赁管理，通过和实人核身技术和可信电子合约技术的融合打造一个真实房源、真实租户的可信数据平台。
According to the information, the ants chain technology has been successfully applied to food safety traceability, commodity security, real rental housing security, and even public goods. The market behind it is huge. More recently, ants are also developing and using the ants chain for urban housing rental management to create a credible data platform for real-life and real-life tenants through a combination of real-life nuclear body technology and credible electronic contract technology.
蚂蚁相关负责人对本报记者表示：“蚂蚁区块链团队在共识性能、隐私保护，节点全球部署等关键技术研发上均有突破。”
The head of the ant-related group said to the journalist: “Ant block chain teams have made breakthroughs in the development of key technologies such as consensus performance, privacy protection, node global deployment”.
腾讯在2015年也已成立区块链团队，目前已将区块链落地到微黄金、供应链金融、电子存证、公益寻人等项目中，基本都与金融有关。
In 2015, it also established a block chain team, which is now located in micro-golds, supply chain finance, electronic record-keeping, public-interest searchers, etc., and is largely financial-related.
腾讯牵头发起设立的微众银行持续在区块链技术领域深入探索：在链接同业方面，微众银行牵头成立的金融区块链合作联盟（深圳）（简称：金链盟）的成员已扩充至六大类行业、近80家机构。在底层技术方面，微众银行联合万向区块链和矩阵元共同研发了区块链开源平台（BCOS），并联合金链盟的多家成员机构共同研发了BCOS的金融分支版本—FISCO BCOS，两大平台现已完全开源，促进了国内开源区块链生态圈的形成；在应用场景方面，微众银行开发的区块链机构间对账平台，全年在真实生产环境中保持零故障运行，交易记录数已超1000万笔；在政府及国际合作方面，微众银行积极对接央行、工信部电子技术标准化研究院、ISO等组织，参与了区块链相关的国际、国家、行业与团体标准的制定。
With regard to bottom-line technology, microbanks have jointly developed the BCOS version of the financial branch - FISCO BCOS, which is now fully operational and has contributed to the formation of an ecological community in the open-source sector in the country; with regard to the application landscape, microbanks have developed an inter-agency account exchange platform for the chain, which has been operating from scratch throughout the year in a real production environment with a record number of transactions exceeding 10 million; and with regard to government and international cooperation, microbanks have actively engaged in the development of international, national, industry and group standards relating to the chain, such as the BCOS version, the Institute for the Standardization of Electronic Technology of the Ministry of Industry and Security, and ISO.
京东的区块链则是已将防伪追溯解决方案将逐步覆盖京东全球购业务，以实现“全程溯源”，让各环节变得更加透明。
The block chain in Kyoto is that the anti-false retroactive solution will gradually cover the global purchases in Kyoto to achieve “a full-scale traceability” and make the links more transparent.
2016年9月份，京东金融推出了“ABS云平台”，包括资产云工厂的资本中介业务、夹层基金投资业务和资产证券化服务商的基础设施服务业务。其中，资产云工厂的资本中介业务的核心就是透过创造金融产品和充当交易对手，为客户提供流动性和风险管理服务，降低消费金融服务公司发行ABS的门槛和发行成本。
In September 2016, Kyoto Finance launched the ABS Cloud Platform, which includes capital intermediation for asset cloud plants, meso-fund investment operations, and infrastructure services for asset securitization service providers. The core of capital intermediation for asset cloud plants is the provision of liquidity and risk management services to customers through the creation of financial products and acting as counterparties, reducing the threshold and distribution costs for consumer financial services companies to issue ABS.
京东金融相关负责人表示，“未来，京东金融集团将与传统金融机构一起，将实体经济和创新金融结合，通过区块链数字票据等产品形态，争取将业务和产品覆盖传统金融机构触达不到的群体。”
In the future, the Tokyo Finance Group, together with traditional financial institutions, will combine the real economy and innovative finance in order to reach out to groups not reached by traditional financial institutions through product patterns such as block-chain digital instruments.
拒绝触碰ICO
refuses to touch the ICO
2018年，随着数字货币的低迷和ICO被监管部门明确禁止，记者发现，虽然BATJ对区块链一直积极布局，且呈现各自不同的特点，但对于ICO及发币上却十分有默契，很早之前就表态拒绝触碰。
In 2018, with the low digital currency and the explicit prohibition of the ICO by the regulatory authorities, journalists found that although BatJ had been active in the layout of the block chain and presented different characteristics, it had been very consensual with ICO and its currency issuance, and had long refused to touch it.
业内人士认为，“2015年到2017年，BATJ和区块链刻意保持距离，可能与大众‘区块链就是比特币’的误解有关。”
According to industry, “the deliberate distance between 2015 and 2017 between BATJ and the block chain may be linked to the misunderstanding of the public that the block chain is Bitcoin”.
马化腾曾就此表态：“区块链是个热门话题，很多游戏公司在发数字货币，但腾讯不会发。”
Matheson once said this: “The block chain is a hot topic, and many game companies are issuing digital money, but the tethers are not.”
今年1月份，当有媒体报道称阿里已上线虚拟货币挖矿平台“P2P节点”，并且正在招募矿机入驻时，阿里云旋即快速回应并辟谣。
In January of this year, when the media reported that Ali was on-line with the virtual money mining platform “P2P Node” and was recruiting mining aircraft to take up the site, the Ari Cloud responded quickly and spread rumours.
蚂蚁金服区块链相关人员对本报记者称，“把区块链等同于ICO是2017年最大的谬误，蚂蚁金服区块链注册专利数量全球领先，没一个和ICO有关。”他同时认为，“区块链不是妖也不是神，它的‘不能’和‘能’同样明显。”
According to the reporter, “to equate the chain with ICO was the biggest fallacy in 2017, with the number of registered patents in the chain of ants leading the world, none of them related to ICO.” In his view, “the chain of blocks is neither a demon nor a god, and its `can' and `can' are as obvious as its `can'.”
马云曾说，“比特币技术功能非常强大，但我们对比特币非常小心。”李彦宏谈到区块链时表示，虽然区块链技术非常有革命性，但现在还处于非常早期的阶段。从百度金融的动作来看，百度金融并没有跟数字货币或者ICO等“热点”，而是将区块链应用到金融各个环节。此外，京东也从未触碰过ICO及数字货币。
Marvin once said, “Bitcoin is a very powerful technology, but we're very careful.” Li Yinghong, speaking about block chains, said that, while they are very revolutionary, they are still at a very early stage. In terms of 100-degree finance, they are not “hot spots” such as digital money or ICO, but they are applied to financial links. Moreover, Kyoto has never touched the ICO or digital currency.
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