Blockchain brings the spring of model innovation company
2016 is the first year of artificial intelligence, and the flag event is "Alpha Dog" defeating Li Shishi. Since then, model innovation companies have been discriminated against in financing (except for shared bicycles). After two years of “not being seen,†the blockchain at the end of 2017 brought the spring of model innovation companies.
Mode company features:
1, the user first: a large number of users, C-side, or B-side
2. Centralized services: data and transactions are concentrated in the company
3, the number is supreme: the strength comparison between peers is often: the number of users, daily life, monthly life, water flow GMV and other figures
4, you have no me, count one of two: the boss and the second child fight, and finally the third is killed
5, the boss died in the "outs" hands: dry Sina Weibo is not Tencent Weibo, is WeChat
6, no technical content
Take the credit industry as an example:
The first step: rich people put money in the bank
Step 2: Bank pays interest (usually very low)
The third step: the bank obtains funds with different maturities and different interest rates to form a pool of funds (the bank is a pro-son, this is legal)
Step 4: Someone (usually not the poor) comes to bank loans
Step 5: The bank asks for all kinds of information, but it justifies two things: A. You are not a liar, B. You have the ability to pay back
Step 6: Qualification is acceptable, congratulations on getting a loan
Step 7: Normal repayment, otherwise the big brother with a big gold chain will come to the door
Step 8: Banks earn "interest difference"
To sum up, the bank links the borrowers and lenders that are not known to each other in most cases, and acts as a credit intermediary. The bank is the center of funds and information. Through the collection of funds, the funds with different maturities and different interest rates are mismatched; the information of the borrowers is aggregated, the credit evaluation results are obtained, and the credit line is given.
In a word, the cost of mistrust between people translates into a bank's spread.
What if the blockchain + credit business would be?
For the sake of discussion, we do not consider existing bottlenecks in technology (technical bottlenecks have never hindered human progress).
Assume a future ideal country: existing Internet data has been blockchained: it cannot be tampered with and decentralized. These data have all the identity information, property and asset information, health information, and relationship information between people. Basically, the information that the bank can get before is just a subset of it.
As long as the borrower authorizes, he is equivalent to “data transparency†in front of the lender. Completely broke the mistrust.
The "rich people" directly assess whether they can borrow, and the amount, and do not worry about borrowing money. Even smart contracts can automatically transfer repayment funds from the borrower's account to the lender's account.
See it clearly? In this "ideal country", banks, credit information, various types of data intermediaries, debt collection companies, and insurance companies have all disappeared. There are no intermediaries or centers, only individuals. The mutual trust between people is perfectly established by the blockchain, the social cost is greatly reduced, and the efficiency of capital circulation is improved.
This is the derivation of the most ideal situation. The reality is very different, but the opportunity is also hidden here.
The opportunity for credit business startups to subvert the existing giants with the blockchain is coming, let the giants die in your hands.
The details are no longer expanded.
I will have opportunities in the future, and I will give examples of other industries.
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