rocket lab 火箭聊天室 #6 台灣fintech急診室
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#06
FinTech
Rocket CafCLBC
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Rocket Caf
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LnB
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LnB
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FinTech P2P Lending
By Joanna Yang
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FinTech
82921-2011
2008PositiveMoney / ACDCeoco / The Silver Guide Mike Maloney, etc.
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1. Fiat Currency - 2.
3.
( 1/1/10%10 ) 97%Werner 2005,
4. 110
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Bank Runs
1931
Bankruptcy, Lower production, Job loss, less tax, falling prices!
2011
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1984 5000150
2003 RTC584
2007 1200RTC474
2007 RTC69
2007 RTC44.9
2008 RTC317
2008 RTC445
:
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RTC 38
97()
2084 90
07 09 10111
:
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FinTech .
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P2P Lending
Financial Times
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22 1056 72 6.1 1.4
2015 500084000
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FinTech:
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FinTech:
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FinTech:
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FinTech:
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(P2P Banking)
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Source : http://www.morganstanley.com/ideas/p2p-marketplace-lending/
P2P BANKING
US UK China Aus
2014 $12 bn
2015 $23.2 bn
2014 $2.3 bn
2015 $4bn
2014 $8.9 bn
2015 $33.2 bn
2014 $0.5bn
2015 $0.8 bn
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Dr. Liao (), National Taiwan University
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: , Trust
Blockchain: Trust Machine
Efficiency Finality Inspectability
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1. https://www.youtube.com/watch?v=LJUig2-tyPU
2. Caveat:
3. Caveat:
https://www.youtube.com/watch?v=LJUig2-tyPU
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Trust FinTech Digital Currency
or
Digital Currency FinTech Trust
?
An important question: Because for blockchain : Look at
bitcoinethereum or blockchain such as Gcoin ?
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Blockchain: Trust Machine
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EfficiencyNo more 45-day latency on mileage transfer!Move mileage asset to Digi-ledger: From T+45 to T0No more $50,000 cost!Move cap-table to Digi-ledger: From $50,000 to 0
FinalityReduce counterparty risk
Inspectability (or Gongping, Gongzheng, Gongkai)API becomes possible Silicon Valley is about APIs.
Trust Machine key feature
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Technology-wise Digital Finance
Duplication Double Spending
Dilution Data Lost
Digital Finance: 4D Blockchain
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Duplication: Protected by the Proof-of-work mechanism Every client has a copy of the list of transactions
Double Spending: The transaction needs to be confirmed by the nodes in the Blockchain network. For example, Bitcoin protects against double spending by verifying each transaction
added to the Blockchain to ensure that the inputs for the transaction had not previously been spent
Dilution: The amount of coin can be limited by proper design via protocol and algorithm. Decentralized system: no central authority controls the right to issuing currency
Data lost: All transactions are trackable and are recorded in the Blockchain
Blockchain 4D
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2016
45R3
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1. US$2m+ Bitcoin 2. Ethereum forked ETC (Ethereum Classic) and ETH, due to DAO 30 Smart Contract
1. for /ETH/BTC) BFX hack $66m BFX 2. https://video.udn.com/news/534829)3. $180m
Lessons for possible
https://video.udn.com/news/534829
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crowdsourcing
g-coin.org
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crowdsourcing
g-coin.org
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Backup
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1. a.
2. create value Value a. and
3. Responsible Innovation a. experimental platform --- DAO will come.
4. a. and
5. a.
, criteria:
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FinTech
Steven Yang
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WEF 2015: The Future of Financial Services
24
The following detailed sections of the report are organised based on key innovation clusters and how they map to the core functions of financial services
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Blockchain
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R. Coase 1959
Steven NS Cheung/ 1983/
H Hansmann 1996//
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Blockchain / Edward Wang: AI AI BlockChain ...
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FinTech
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/
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...
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PTT
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30
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999 1
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Big Data
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25%
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NO
34 NO NO WHY
YES
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1.
2.
3.
4.
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1.
2.
3.
4.
5.
6.
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A
B
C
1.
2.
3.
4.
A
C
B
5.
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FCA 2014 10 Innovation Hub 2015 11 Regulatory SandboxInnovation Hub 17552016 5 9
0
20165FinTech Office
3PolicyPal 7
0
20165 regulatory sandboxFintechAFS
0
20147411
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FCA
1.
2.
3.
4.
5.
1.
2.
3.
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FCA
FCA
FCA
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FCA
FCAFCAPRAPRAFSMAPRA
PRA
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FCA
FCA
1.NALsFCA
2.
3.FCA
1.
2.
3.
4.
5.
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FCA
1.
2.FCA2
3.FOSFSCS
4.
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FCA
FCA
FCA
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FCA
1.FCA
2.FCAFSMA
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FinTech
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Q&A
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