区块链+信托，万云助力万向信托重塑商业模式

上海2018年1月10日电 /美通社/ -- 信托业作为金融领域不可或缺的中坚力量，在过去10年间实现了跨越性的发展。随着社会不断的发展与财富的日益累积，一方面是信托行业规模进一步扩大，2017年信托业资产管理规模已经超过23万亿；另一方面是在市场需求加速释放的前提下，其本身所存在的信任问题也日益凸显，如文档的安全性、时间的有效性等，在发展过程中信托行业潜在的风险不容忽视。但是传统的信托业务在当前的形势之下仍然面临着一些历史性问题没能够得到解决：譬如，在互联网蓬勃发展时代，信托行业与现有其他FinTech行业相比产生了一些客观差距。在面对金融回归本源的大趋势下，在市场经济快速发展的进程中，信托行业应该如何利用区块链带来的重大利好情况下规避信任风险，开拓新兴产品，实现业务快速增长，进而促进传统信托产业实现革命性升级甚至产业转型？

The potential risks to the trust sector in the development process cannot be ignored, given the accelerated release of market demand, such as the security of files, the effectiveness of time, etc. But traditional trusts still face a number of historical problems that have not been resolved in the current situation: for example, in an era of Internet booming, the trust sector has created some objective gaps in comparison with other existing FinTech industries. In the face of the broader trend of financial return, how the trust sector should take advantage of the significant benefits of the market economy to avert the risk of trust, develop new products, and achieve rapid business growth, thereby promoting revolutionary upgrading and even industrial transformation of the traditional trust sector?

2017年开始，国内各大信托机构开始抓住技术变革的机遇，探索区块链技术与信托相结合的道路，以期利用这一技术的商业新思维为信托行业创造更大的发展空间。2017年7月，万向区块链联合万向信托依托中国信托业协会行业研究会之机举办了“区块链在信托行业中的应用研究”课题研讨会，和与会的中国信托协会专家以及国内主要信托公司代表们共同探索如何利用区块链解决信托业务中的痛点难点，如何通过技术引领业务模式创新，吹响了区块链正式进军中国信托行业的号角。与此同时，万云团队更是携手与万向信托从理论探索走向了业务实践。万云基于区块链技术，从自身平台（万云）出发，以万向家族信托业务为起点，为之量身打造了一把开启区块链与信托完美结合大门的钥匙，以实现新科技为信托产业重塑商业模式。该项目已正式在万向家族信托业务中上线使用。

Starting in July 2017, the major trust institutions in the country began to seize the opportunity of technological change and explore ways to combine block-chain technology with trust, with a view to creating greater development space for the trust industry by using the new business thinking of this technology. In July 2017, 10,000 block-to-block linkages were joined to the Trade Research Council of the Trust-based China Trust Association, which organized a seminar on the theme “Applied research in the trust industry in blocks chains” and participated Chinese Trust Association experts and representatives of major domestic trust companies to explore how to use block-to-block chains to address the pitfalls in trust operations, and to create new technology-to-trust business models through innovation in the technology-led business model.

信托与区块链：万云助力万向信托重塑商业模式

信托与区块链：万云助力万向信托重塑商业模式

Trust and block chain: Re-engineer business model to the Trust

区块链作为构造第二代互联网的代表性的底层技术，为多主体的更高层次和更大范围的协作提供了可能。区块链技术结合了分布式账本技术、P2P 网路、共识算法、非对称加密技术，使其具有分布式、不可篡改、集体维护等特性，这将能够有效保证链上数据的不可篡改、不可逆推，保障了数据的安全性，为信托业务的变革提供了无限可能。

Block chains, as the bottom technology for the construction of second-generation Internet representation, make it possible for multiple subjects to collaborate at a higher level and on a larger scale. Block chain technologies combine distributed book technology, P2P network, consensus algorithms, asymmetric encryption techniques with distributed, non-manufacturing, collective maintenance, etc., that can effectively guarantee the integrity, irreversibility, security of data on the chain and offer unlimited possibilities for changes in trust operations.

万云是如何为万向信托助力，提供解决方案并实现应用落地？

How can the Clouds contribute to the Trust, provide solutions and bring applications to the ground?

万云为万向家族信托业务提供基于区块链技术的应用服务平台(BaaS)，帮助其将业务中所使用到的关键材料和信息，在区块链上进行存证。万向家族信托所有的关键材料并不直接存储在区块链上，而是经过哈希加密处理，转换成不可逆推的特征值存放在区块链上；万向信托和其用户如需进行数据验证，只要将已有的材料和信息经过哈希加密处理，再次与区块链上与其对应的信息进行对比，即可验证材料是否曾经被进行篡改。

For the benefit of 10,000 family trusts, BaaS provides an application service platform based on block chain technology to help them record key materials and information used in the operation. The key material held in the trust is not stored directly in the block chain, but is encrypted by Hashi and converted to irreversibly feature values stored in the block chain; and the data validation of the trust and its users, provided that the existing material and information are encrypted by Hashi to compare it again with the information corresponding to it in the block chain, is used to verify that the material has been tampered with.

场景一：写入上链。将重要业务资料的扫描件及部分关键信息，生成唯一切不可逆推的特征值，写入到区块链上，永久保存，不可篡改。

Scenario one: Writes the upper chain. Scanners of important business information and some key messages generate the only irreversible feature value, which is written into the block chain, permanently preserved, and cannot be tampered with.

场景二：审计核对。通过区块链上不可篡改的信息，核对其所对应的线下业务资料是否曾被修改，由于信息上链的时间同样被保存在区块链上，对于追溯信托服务的有效期也极为重要。

Scenario two: Audit checks. Checking whether the underlying business information has been modified through information that cannot be tampered with on the block chain is also crucial to the retroactive validity of the trust service, as the time of the information chain is also kept on the block chain.

信托行业，因为其特殊的性质，往往在信托业务发生时，委托人已经不在世，很难获得监管，完全靠的是行业内的职业规范和职业道德的约束，因而信托也被人称之为“从坟墓中伸出的手”。而这一次，万云与万向信托，新兴的区块链技术与传统的信托领域，双方的结合无疑是一次大胆的尝试和创新！通过万云部署的万向家族信托存证业务从技术上解决了传统信托合同的安全性保障，为合同签订时间点的有效性进行了证明，使得业务上具有更高的文档安全性、更低的线上线下存储成本、更快速便捷地验证合同信息真实性。区块链作为金融科技的核心技术之一，一方面从技术上为传统信托业的可持续发展提供了源动力，另一方面也为加强构建一个可“信任”的金融生态体系注入新的生命力。

The trust industry, because of its special nature, often when trust operations take place, the client is no longer alive, difficult to regulate, is subject to professional norms and ethics within the industry, and is thus referred to as “a hand out of the grave.” This time, cloud-to-trust, emerging block-chain technology and traditional trust areas, the combination of the two is undoubtedly a bold attempt and innovation. The 10,000-to-family trust record-keeping operations deployed through cloud-to-manufactures technically address the security guarantees of traditional trust contracts, prove the validity of the contract at the point of its conclusion, giving the operation greater document security, lower line-to-line storage costs, and faster and easier verification of the authenticity of contract information. As one of the core technologies for financial science and technology, district chains, on the one hand, provide a technological impetus for the sustainable development of the traditional trust industry, and, on the other hand, inject new life into strengthening the construction of a “trustable” financial ecological system.

万向区块链董事长兼总经理肖风博士认为，“区块链一定是未来金融体系当中的一个非常重要的一个新的基础设施建设，类似于像高速公路对汽车运输业，集装箱对远洋运输业的巨大改变一样，一定会对现有的金融体系带来很大的变化”。目前，区块链不仅在信托行业有所进展，在银行征信、保险、审计等金融各大行业也逐渐从概念走向真实，相信以区块链技术为基础设施的新一代金融生态将是一个可期的未来。

According to Dr. Shao Feng, the chairman and general manager of the chain of blocks, “the chain of blocks must be a very important new infrastructure in the future financial system, which, like the motorway for automobiles and the container for ocean transport, will bring about significant changes in the existing financial system.” Currently, the chain of blocks is not only progressing in the trust sector, but is also gradually moving from conceptual to real in the financial sectors, such as bank letters, insurance, auditing, etc., believing that the new generation of financial ecology, based on block chain technology as an infrastructure, will be a promising future.

万云（www.wancloud.io）是万向区块链（www.wxblockchain.com）旗下国内首个区块链垂直BaaS服务平台（Blockchain as a Service 区块链即服务），同时也是一个中立的区块链开放创新平台。结合区块链技术和云计算服务，万云向社区、企业和开发者提供一整套区块链的基础设施，运行环境，API服务和开发工具。通过专业，便捷，灵活的底层服务，万云致力于降低区块链应用研发门槛，为用户节省开发及运营成本，减少重复性工作，从而促进区块链业务的真正落地。

The cloud () under the umbrella of the country's first block chain, the vertical BaaS service platform (Blockchain as a service chain) and is also a neutral block chain open and innovative platform https://t.prania.com/t/c0QJLw"rel"relow"www.wxblockchain.com , which is dedicated to reducing the cost of operating the chain for communities, enterprises and developers, operating a set of infrastructure for the environment and developing tools for the development of API.