摘 要 strange & nbsp > 区块链+保障金，雄安新区给农民工工资上“双保险”;中国保险业首款全产业链区块链保险产品正式发布;微软与纳斯达克就区块链技术展开合作;欧洲议会通过区块链监管非立法决议……以下带您关注国内外区块链最新资讯。 The block chain + security fund, which Yu An-Shun has paid farmers “double insurance”; the Chinese insurance industry's first full-industry block chain insurance product is officially published; Microsoft and NASDAQ are cooperating on block chain technology; the European Parliament has adopted a block chain regulation non-legislative resolution... The following brings your attention to the latest information on the internal and external block chain.
1、区块链+保障金 雄安新区给农民工工资上“双保险” . 如何从源头治理、过程管控等方面下功夫，解决农民工欠薪难题？近日，雄安集团出台建设者工资保障金管理办法，在应用区块链管理工程资金的基础上，设立建设者工资保障金，采用“双保险”方法保障建设者劳动报酬权益，从源头上杜绝拖欠农民工工资现象。 How to address the problem of wage arrears for rural workers in terms of source governance, process management, etc.? In recent days, the Yu An Group has introduced a system for the management of the builder’s wage guarantee, which is based on the application of block-chain funds for the management of engineering projects, and the introduction of a “double insurance” approach to guarantee the builder’s right to pay for his work and to eliminate wage arrears from the source. 目前，雄安集团区块链平台管理企业已有700多家，管理资金达10亿多元。根据区块链平台管理相关规定，新区所有与工程建设相关的资金清算管理工作必须通过区块链平台完成，利用区块链技术，进行分布式记账，所有信息环环相扣、不容篡改。在区块链管理工程资金过程中，通过智能合约方式，把付款路径确认下来，实现一键式、穿透式付款，避免了违约转包、资金挪用等问题。 In accordance with the regulations governing block-chain platform management, all funds in the new zone related to construction must be managed through block-chain platforms, using block-chain technology for distributional bookkeeping, and all information should be linked to one another and not subject to manipulation. In the process of block-chain management of engineering funds, payment paths are identified through smart contracts, one key and penetrating payments are made, and default turnouts and misappropriation of funds are avoided. 雄安集团投融资部相关负责人介绍，区块链与建设者保障金机制相结合后，当区块链平台显示项目参与方未按约定发放工资，一小时后区块链平台将自动触发建设者工资保障金代付机制，由建设者工资保障金账户，自动穿透式代付至建设者指定工资卡，实现建设者“无感”状态下的工资支付保障。 The relevant head of the financing department of the Yu'an Consortium explained that when the block chain was combined with the builder's guarantee mechanism, when the block chain platform showed that project participants had not been paid as agreed, the block chain platform would automatically trigger the builder's wage guarantee payment mechanism in one hour's time, by way of the builder's wage guarantee account, automatic penetration of the builder's salary card, and payment of the builder's salary under the builder's “insensitive” status. 对于未按约定发放工资的企业，建设者工资保障金办法还设有惩罚机制，通过“黑名单制度”，对各承包方的信用情况进行记录与评价，评价将直接影响企业今后在新区的其他项目竞标。 In the case of enterprises that do not pay their wages as agreed, the builder's wage guarantee scheme also provides a punitive mechanism through the “blacklist system” for recording and evaluating the creditworthiness of the various contractors, which will have a direct impact on the future bidding of the enterprise for other projects in the new zone. 另外，制定建设者工资保障金管理办法时，雄安集团综合考虑各方利益，既保障建设者工资及时足额发放，又充分考虑施工企业的承受能力，设法减轻施工企业的财务负担。 In addition, in developing the scheme for the management of the builder's wage guarantee, the Yu An Group took into account the interests of all parties, both to guarantee that the builder's salary would be paid in full and on time, and to take full account of the affordability of the construction enterprise, in an effort to reduce the financial burden on the construction enterprise. 为此，建设者工资保障金由雄安集团和施工企业（投标联合体）分别缴纳资金共同设立，是专户存储、专项用于解决雄安新区工程建设领域建设者工资拖欠问题的保障资金。其中，雄安集团一次性缴纳1000万元存入“集团公司建设者工资保障金”银行专户。施工企业于开工进场前一周，按工程合同价款金额的0.5%缴纳保障金，存入“项目公司建设者工资保障金”银行专户，每项合同不超过300万元，可以保函等认可的非现金方式缴纳。 To this end, the builder’s wage guarantee is set up by the joint contribution of the Yu An group and the construction enterprise (the bidding consortium) and is a deposit of funds held by the owner to settle the wage arrears of the builder in the construction of the new Yu An area. Of these, the builder’s wage guarantee is deposited in a lump sum of $10 million to a bank account entitled “Payer’s wage guarantee for a group company.” The construction enterprise pays a guarantee of 0.5% of the value of the construction contract, to a bank account entitled “Pay guarantee for the builder of the project company” with no more than $3 million in each contract, and can be paid in a non-cash form, such as a letter. 2、中国保险业首款全产业链 2, China's insurance industry's first whole-sector chain 区块链保险产品正式发布 10月29日，在全球首款全产业链区块链保险产品启动仪式上，中再产险、华泰保险、轻松筹共同签署了区块链技术合作协议，宣布三方达成深度产品合作关系，正式对外发布首款全产业链区块链保险产品(鸿福e生尊享版百万医疗保险)，打造“科技创新+健康保障”的商业模式，提供智能化、透明化、安全化的健康保障体系。 On 29 October, during the launch of the first global full-industry chain block insurance product, China Reproductive Insurance, Huatai Insurance and Easy Building co-signed the block chain technical cooperation agreement, announcing the establishment of an in-depth product partnership between the three parties, the official release of the first full-chain block insurance product (Hong Foo-seon's Million Health Insurance) and the creation of a business model for “STI+Health Security” that provides a system of intelligent, transparent and safe health protection. 这款产品被视为构建保险新生态、再保新模式的有益尝试，旨在通过区块链技术的信任属性以及不可篡改的特性，实时打通前端渠道、中端承保、理赔和后端再保，赋予互联网保险高效率、高透明等势能。 This product is seen as a useful attempt to construct a new ecological and reinsurance model for insurance, aimed at providing Internet insurance with the ability to be efficient, transparent and effective by providing real-time access to front-end channels, middle-end insurance, settlement and back-end reinsurance through the trust attributes of block chain technology and immeasurable features. 随着消费者保障需求的不断提升，互联网人身保险产品结构不断优化，保险业开始向健康保障险转型，健康保障型产品将有望成为互联网保险爆发的新窗口。 As the demand for consumer security rises, the structure of Internet personal insurance products improves, and the insurance industry begins its transition to health security insurance, health-safe products are expected to become new windows for Internet insurance outbreaks. 3、港交所将采用区块链技术 3, the block chain technology to be used at the port terminal 打造便利国际投资交易平台 Creates a platform to facilitate international investment transactions 10月31日消息，香港交易所将与Blythe Master的Digital Asset Holdings LLC合作，建立区块链结算系统，用于交易中国内地股票。 On 31 October, it was reported that the Hong Kong Exchange would work with Digital Asset Holdings LLC of Blythe Master to establish a block chain settlement system for trading shares in mainland China. 香港交易所行政总裁李小加近日在一个科技公司论坛上表示，拟议的交易平台将简化股票互联互通机制下的北向交易流程。由于中国使用当日结算系统，习惯于较长流程的投资者难以及时完成交易，国际投资者在该交易环节经常遭遇困难。 The Executive Director of the Hong Kong Exchange, Lee Xiaoga, recently stated at a science and technology company forum that the proposed trading platform would simplify the north-to-south transaction process under the stock-connection mechanism. International investors often encounter difficulties in the transaction chain as China uses the day-to-day settlement system, which makes it difficult for investors who are accustomed to longer processes to complete the transaction in a timely manner. 据了解，目前，香港交易所的营收严重依赖交易费用，于是效仿竞争对手芝商所和纳斯达克的风险资本子公司，寻求进入科技领域，并同时促使收入来源多样化。 It is understood that, at present, the Hong Kong Exchange relies heavily on transaction costs, and follows the example of the competitor's venture capital firm and Nasdak's venture capital subsidiary, seeking access to science and technology, while diversifying sources of income. 香港交易所尚未提供推出该系统的期限，但在论坛上发表的一份声明中表示，已经建立了一个功能化交易原型。声明称，拟议的系统将意味着交易员可以提前安排结算细节，改善券商、资产管理公司和托管行之间的协调。 The Hong Kong Exchange has not yet provided a deadline for the roll-out of the system, but a statement was made at the forum stating that a prototype of a functional transaction had been established. The statement stated that the proposed system would mean that traders could pre-arrange settlement details and improve coordination between bond dealers, asset management companies and custodians. 4、可信区块链推进计划在京发布 《区块链行业自律倡议书》 10月31日，可信区块链推进计划在京发布了《区块链行业自律倡议书》。 On 31 October, the credible block chain push plan launched the Self-Regulation Initiative for the Block Chain Industry in Kyoto. 可信区块链推进计划办公室主任卿苏德表示，近年来区块链技术广受各界关注，但是同时也面临着诸多问题和挑战，各类投机炒作乱象给行业发展带来了不利影响。在工业和信息化部信息化和软件服务业司指导和支持下，可信区块链推进计划起草的《区块链行业自律倡议书》，旨在进一步提升区块链行业自律能力，推动区块链产业健康有序发展，共同维护良好的市场秩序和行业环境。 According to Mr. Sudet, the Director of the Office of the Quaker Block Chain Advancement Project, in recent years, the technology of the block chain has received wide attention, but it has also faced a number of problems and challenges, and speculation has adversely affected industry development. With the guidance and support of the Information and Software Services Division of the Ministry of Industry and Informatics, the Quaker Block Chain Advancement Project's Self-Regulation Initiative for the Block Chain Industry, designed to further enhance self-regulation in the sector, promote the healthy and orderly development of the block chain industry, and jointly maintain a sound market order and an industry environment. 以下为倡议书主要内容： The following are the main elements of the Initiative: 一、严格遵守国家法律法规，坚持自我约束，加强行业自律，共同维护良好的市场秩序和风清气正的行业环境，推动行业健康可持续发展。 I. Strict compliance with national laws and regulations, self-regulation, strengthening of self-regulation in the sector, together with the maintenance of a sound market order and a sound industrial environment, and the promotion of healthy and sustainable development in the sector. 二、积极履行企业主体责任，建立完备的内部管理制度，强化对人员、业务等方面管理。认真落实各项行业管理制度要求，积极配合各级主管部门做好行业发展和监管工作。 ii. Actively fulfils the responsibilities of the principals of the enterprise by establishing an adequate internal management system and strengthening the management of personnel, operations and so on. 三、加强与产学研用各方协同合作，在概念、技术、应用路径等方面激浊扬清、去伪存真，积极探索合作共赢的模式，推动区块链核心技术研发，积极参与创新研究、标准制定、测试验证、开源社区建设等各项工作，加快推动行业应用落地，促进区块链与实体经济深度融合。 iii. To strengthen collaboration with all stakeholders in production and research, to promote conceptual, technological and application pathways, to actively explore collaborative and win-win models, to promote the development of core technologies in block chains, to participate actively in innovative research, standard-setting, testing and validation, and to build open-source communities, and to accelerate the deployment of industrial applications and promote the deep integration of block chains with the real economy. 四、坚决抵制利用区块链进行非法集资、网络传销、ICO及各种变种、传播不良信息等各类违法违规活动。 4. Resolutely rejects the use of block chains for illegal fund-raising, Internet distribution, ICOs and various variants, and the dissemination of poor information, among other types of violations. 五、积极普及区块链知识，引导社会各界正确认识、使用区块链。不利用区块链进行投机、资本炒作、非法金融交易等活动。 The block chain is not used for activities such as speculation, capital speculation, illegal financial transactions, etc. 六、自觉接受社会监督，履行社会责任，提高社会公信力。发现各类违规违法行为及时向有关部门报告。 Visibility of social supervision, social responsibility and the promotion of social credibility. 七、尊重知识产权，保护用户隐私，明确数据所有者权益，重视信息服务的合法合规。 Respect for intellectual property rights, protection of the privacy of users, clarification of the rights and interests of data owners, and attention to legal compliance with information services. 5、贵州遵义绥阳县建成 5 built in >. 散养土鸡“区块链溯源系统” Scattered Chicken's Block Chain Retrieval System 据报道，由贵州拥德网络科技有限公司开发的土鸡养殖“区块链溯源app”日前在绥阳县郑场镇运行。该系统是一个可溯源“预售平台”,将互联网与生态养殖结合,以客户下单订购数量确定土鸡投放量,并通过区块链技术追踪溯源,实现订单管理和供应商管理。 It has been reported that the rooster-farming “block chain” developed by Gudd Network Technology Ltd. in Guizhou is running in Chengjong Town, Zianyang County, prior to its application. The system is a retrospective “pre-sale platform” that combines the Internet with eco-farming to determine the amount of roosters to be released on the basis of orders from clients and to track back through block-chain technology. 据了解，目前,在绥阳县郑场镇拥德科技生态鸡育雏基地内,已有2.7万羽血毛土鸡苗在该基地投放,鸡苗在1个月后,将投放到习水县桑木镇林下养殖场进行散养。消费者可通过APP清楚地看见这些鸡进食及活动情况,包括它们所住的棚户、海拔、气温、成长轨迹及屠宰、运输等全过程,在手机上就可追溯这只鸡的从生长到上市的全过程。 At present, it is known that 27,000 haemorrhagic chicken seedlings have been dropped at the Emerald Eco-baby Base in Chengdang Town, Xianyang County, where they will be placed in the forest farm in Sangi Town, Xiaohua County, in a month. Consumers can clearly see their feeding and activities through the APP, including their shantytowns, altitude, temperature, growth trajectory and slaughtering, transportation, etc. On their mobile phones, it is possible to trace the chicken's growth to the market.
6、微软与纳斯达克 6, Microsoft and NASDAQ 就区块链技术展开合作 据Cointelegraph 10月31日报道，美国软件公司微软将把Azure区块链技术整合到纳斯达克的财务框架（NFF）中。 On 31 October, Cointelegraph reported that Microsoft, a United States software company, would integrate Azure block chain technology into the NFF financial framework in Nasdak. NFF是一种为交易基础设施和业务外包提供软件并实现纳斯达克风险和监控的技术。集成Azure的区块链除了可以促进区块链的开发外，还能允许NFF客户通过一个通用接口部署各种区块链。 NFF is a technology that provides software for trade infrastructure and business outsourcing and allows NASDAQ risk and surveillance. The block chain integrated into Azure, in addition to facilitating the development of block chains, allows NFF clients to deploy blocks through a common interface. 据报道，在这一合作中，双方将各开发一种“分类账本不可知区块链性能（ledger agnostic blockchain capacity）”的技术，它将允许实现跨多个分类账本的可操作性。据称，新产品将使买卖双方更容易进行匹配、管理交货、支付和结算交易。 In this cooperation, it was reported that each of the parties would develop a technology for “ledger unknown blockage performance”, which would allow for the operationalization of multiple ledgers. It was stated that the new product would make it easier for buyers and sellers to match, manage delivery, pay and settle transactions. 纳斯达克企业架构高级副总裁Tom Fay表示，纳斯达克与微软的合作消除了将区块链技术集成到现有基础设施中的复杂性。他补充道：“我们的NFF与微软的区块链服务的集成提供了一个层，使我们的产品不依赖于主机就能达到安全和高度可扩展性，并最终能帮助我们继续探索客户更广泛的区块链用例。” Tom Fay, Senior Vice-President of NASDAQ's Business Architecture, said that NASDAQ's collaboration with Microsoft had eliminated the complexity of integrating block chain technology into existing infrastructure. He added: “Our NFF integration with Microsoft's block chain services provides a layer in which our products can be made safe and highly scalable without reliance on the mainframe, and ultimately can help us continue to explore the broader case of customer block chains.” 7、欧洲议会通过区块链监管非立法决议 近日，欧洲议会做出的一项非立法决议(non-legislative resolution)强调了未来区块链行业监管的一个关键要素——信任。 A recent non-legislative resolution of the European Parliament (non-legislative regulation) highlighted a key element of future regulation of the block chain industry — trust. 据报道，该项非立法决议旨在探讨“分布式账本技术(即区块链技术)”的潜在监管问题，强调了欧盟内部协调合作的必要性，同时还指出在涉及到初始代币发行(ICO)、以及其他加密货币和区块链行业监管问题时，需要遵守欧盟通用数据保护条例(GDPR)，以防止欺诈行为发生。 It was reported that the non-legislative resolution was intended to explore the potential regulatory aspects of “distributive book technology (i.e. block chain technology)” and to highlight the need for coordinated cooperation within the EU, as well as the need to comply with the EU General Data Protection (GDPR) regulations in relation to the regulation of the initial currency issuance (ICO) and other encrypted currency and block chain industries in order to prevent fraud. 2015年，欧盟委员会推出了10个政治优先工作，其中之一就是要构建“数字单一市场(Digital Single Market)”，而本次欧洲议会发布的这项非立法决议也是遵循了此前相关工作的要求。“数字单一市场”政策旨在消除线上和线下世界的关键差异，打破欧洲跨境线上活动中存在的障碍，以便让欧盟成员国内的企业、政府和他们所服务的用户可以在确保数据隐私和安全的前提下，充分利用数字技术优势。 In 2015, the European Commission launched 10 political priorities, one of which is the construction of the Digital Single Market, a non-legislative resolution issued by the European Parliament that follows the requirements of the previous work. The “Digital Single Market” policy is aimed at eliminating key differences in the world on and below the line, breaking the barriers in Europe’s cross-border activities, so that enterprises, governments, and users they serve in EU member states can take full advantage of digital technology, while ensuring data privacy and security. 8、九家日本银行测试 8; nine Japanese banks tested 富士通区块链结算平台 Fuston Block Chain Clearing Platform 据报道，九家日本银行正在联手使用富士通技术，测试基于区块链的银行间结算系统。 Nine Japanese banks are reportedly working together on the use of Fujitun technology to test the inter-bank settlement system based on the block chain. IT巨头富士通于近日在新闻发布会上宣布，该公司已被选为“应用程序开发供应商”，将使用自定义数字货币以进行实时总额结算，从而实现小规模的低成本转账交易。此次测试旨在评估该技术性能、安全性和实际可行性的各个方面。 At a recent press conference, the IT giant Fuji announced that the company had been selected as an “application development supplier” and that it would use a custom digital currency to settle the total amount in real time, thereby enabling small-scale low-cost transfer transactions. The test was designed to assess all aspects of the technical, safety, and practical feasibility. 参与此项试验的九家银行包括一个名为日本银行支付结算网络（或Zengin网络）的财团，及瑞穗银行和MUFG银行。 The nine banks involved in the experiment included a consortium called the Japan Bank Payment Settlement Network (or Zengin Network), as well as Sio Bank and MUFG Bank. 具体而言，富士通将使用区块链技术构建并提供新的试验平台，并将利用其与2017年三家银行共同开发的点对点汇款平台。该试验包含一个基于云的区块链平台，用于在个人之间发送资金，以及智能手机应用程序。 Specifically, Foustton will use block chain technology to build and provide new pilot platforms, and will use the point-to-point money transfer platform developed with three banks in 2017. The pilot will include a cloud-based block chain platform for sending money between individuals, as well as smartphone applications. 据了解，在其对区块链的各种探索中，富士通还于9月与日本银行家协会（JBA）合作，提供了一个使用Hyperledger Fabric所构建的平台，集团内的银行可以用来测试该技术的各种业务用例。 It is understood that in its various explorations of the block chain, Fujitun, in cooperation with the Japan Bankers Association (JBA) in September, also provided a platform using Hyperledger Fabric to test business examples of the technology. 9、新加坡电力公司推出 9, launched by the Singapore Electricity Company 区块链市场交易可再生能源 据报道，近日，新加坡电力集团推出了一个基于区块链的可再生能源证书市场（RECs）。该集团是新加坡的能源公用事业提供商。 In recent days, it has been reported that the Singapore Power Group, which is an energy utility provider in Singapore, has launched a renewable energy certification market (RECs) based on a block chain. 新加坡电力公司在新闻发布会上宣布，这一区块链平台是公司内部设计和建造的，并允许各个组织进行RECs交易，可交易的证书，代表太阳能等可再生能源。区块链技术为平台带来了“每次REC交易的安全性、完整性和可追溯性”。 At a press conference, the Singapore Electricity Corporation announced that the block chain platform was designed and built within the company and allowed organizations to trade in REDD, with tradable certificates representing renewable energy sources, such as solar energy. Block chain technology brought the platform “safeness, integrity, and traceability for each REC transaction.” 当实体购买REC时，就会有生产者代表他们生成可再生能源。发布会上还提到，买家可自动与区块链平台上的卖家进行匹配，帮助企业实现可持续发展目标。 When entities purchase RECs, producers generate renewable energy on their behalf. It was also mentioned at the launch that buyers can automatically match sellers on block-chain platforms to help businesses achieve sustainable development goals. 新加坡电力首席数字官Samuel Tan表示：“通过区块链技术，我们可以使公司方便、无缝、安全地交易可再生能源证书，帮助他们实现更环保的业务运营并实现可持续发展目标。” Singapore's Chief Digital Officer, Samuel Tan, stated: “through block chain technology, we can enable companies to easily, seamlessly and safely trade renewable energy certificates to help them achieve greener business operations and achieve sustainable development goals.” 10、英飞凌合作区块链企业XAIN 将区块链技术引入汽车 据外媒报道，英飞凌技术公司（Infineon Technologies AG）和区块链企业XAIN已经同意将区块链技术引入汽车领域。这家位于德国慕尼黑的半导体制造商（英飞凌）与位于德国柏林的初创公司（XAIN）已经在英飞凌第一届汽车网络安全论坛（Infineon’s 1st Automotive Cybersecurity Forum）上签署了谅解备忘录。 According to the foreign media, the Infinion Technology AG and the block chain firm XAIN have agreed to introduce block chain technology into the automotive sector. The semiconductor manufacturer in Munich, Germany, and XAIN in Berlin, Germany, have signed a memorandum of understanding at the First Automobile Cyber Security Forum in British Flyingon’s 1st Automotive Cybersecurity Forum. 英飞凌汽车事业部总裁Peter Schiefer表示：“网络安全对于未来数据驱动的移动出行至关重要。区块链技术在这方面具有巨大的潜力，但是使用该技术需要所选区块链方法与安装在汽车身上的安全硬件之间达到高度协调。我们将与XAIN公司合作，实现此配置。” Peter Schiefer, Managing Director of British Flying Motors, said, “Web security is essential for future data-driven mobile mobility. Block chain technology has great potential in this regard, but using it requires a high degree of coordination between the block chain approach of the constituency and the safety hardware installed on the vehicle. We will work with XAIN to achieve this configuration.” 区块链是一个分散的数据库，可以实现快速交易，特别是安全、无篡改的存储功能。与汽车相连时，该技术可实现自动支付、无钥匙访问汽车共享计划、按需服务、优化保护以及自动驾驶等功能。本质上看，这是有关授权访问权限的技术，主要授权访问汽车本身或车辆中的特定数据。涉及特定数据的实例是，保险公司为具有良好驾驶习惯的车主提供较低费率。 Block chains are a decentralized database that allows rapid transactions, especially secure and non-manual storage functions. When connected to a vehicle, the technology enables automatic payments, keyless access to car sharing schemes, needs-based services, optimized protection, and autopilot. In essence, this is a technology for authorizing access, primarily to the vehicle itself or to specific data in the vehicle. XAIN公司的创始人兼首席执行官Leif-Nissen Lundb?k表示：“我们的目标是将汽车变为成熟网络的参与者。除了对实现离线和实时等功能非常重要之外，该技术还能实现与人工智能（AI）技术相关的高级别隐私保护功能，确保机器学习的私有数据专门保存在本地存储中。我们与英飞凌合作的目标就是推动在汽车中使用XAIN的人工智能技术。” XAIN’s founder and CEO, Leif-Nissen Lundb?k says, “Our goal is to transform cars into participants in mature networks. In addition to being important for the realization of functions such as offline and real-time, the technology can also achieve high-level privacy protection functions related to artificial intelligence (AI) technology, ensuring that private data from machine learning are stored locally. The goal of our cooperation with British Eagle is to promote the use of XAIN’s artificial intelligence technology in cars.” End
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