文/王永菲
Man/Wang Yongfei
“中国正进入区块链3.0时代。”近期，知名咨询与研究公司Forrester Research针对全球区块链应用市场进行调研分析，并发布行业分析报告。Forrester认为蚂蚁集团等领先的区块链供应商所取得的重大技术进展是驱动中国进入区块链3.0时代的重要动力。
“China is entering the 3.0 era of block chains.” Recently, the renowned consulting and research firm Forrester Research conducted research and analysis on the global market for block chain applications and published an industrial analysis. Forrester considers the significant technological advances made by leading sector chain suppliers, such as the ants group, to be an important driver of China’s entry into the 3.0 era of block chains.
该机构首席分析师Charlie Dai表示，在3.0时代，应用区块链技术改变现有业务运营模式正成为所有主要行业的趋势。而在此前的区块链1.0时代，行业主要关注数字货币应用。在2.0时代，仅部分有远见的企业尝试通过区块链技术实现业务价值。
The agency’s chief analyst, Charlie Dai, said that, in the 3.0 era, the application of block chain technology to change existing business models was becoming a trend in all major industries. In the earlier 1.0 years, industry focused mainly on digital currency applications.
区块链推动多个行业新的业务模型
据了解，Forrester Research作为全球最具影响力的的研究与咨询公司之一，通过其大胆而又有严谨的预测，为商业和技术领袖以及企业提供咨询决策。Forrester由George F. Colony于1983年7月创建，1996年11月在纳斯达克上市，股票代码为FORR，Forrester有员工1795人，超过688人是研究的专业人士，2019年营收额为4.61亿美元，近几年其研究的行业愈发广泛，全球范围内也在不断地扩张。
Forrester Research, one of the most influential research and consultancy companies in the world, is known to provide advisory decision-making to business and technology leaders and businesses through bold and rigorous forecasts. Forrester, created in July 1983 by George F. Colony, was listed in NASDAQ in November 1996 with a stock code of 1795, with over 688 research professionals and $461 million in 2019, and its research industry has expanded and expanded globally in recent years.
Forrester发布的该份报告显示，区块链正在改变中国主要行业，推动银行、保险、医疗、能源、政府、制造业、零售、电信和物流等行业启用新的业务模型。蚂蚁链在银行、保险等行业的实践分别被作为典型案例入选Forrester发布的《中国企业区块链业务场景：银行业》和《中国企业区块链业务场景：保险业》两份研究报告中。
Forrester’s report shows that block chains are changing China’s main industries and promoting new business models in the banking, insurance, medical, energy, government, manufacturing, retail, telecommunications, and logistics sectors. Ant chains’ practices in banking, insurance, etc. have been selected as typical cases in two studies, “China’s Business Chains: Banking” and “China’s Business Chains: Insurance” respectively.
图片来源：Forrester
例如，在保险业的相互保业务中，缺乏透明性和高欺诈风险一直是阻碍行业发展的核心痛点。信美人寿相互保险与蚂蚁链合作，应用区块链技术确保数据不被篡改，资金高效转移，平台运营状况实时被链上成员共享并且可视。
For example, the lack of transparency and the high risk of fraud in the insurance industry has been a central pain in the development of the industry. In partnership with the ant chain, Sino-American life insurance has applied block chain technology to ensure that data are not tampered with, funds are transferred efficiently, and the platform’s operating status is shared and visible in real time among the members of the chain.
在银行业的供应链金融和小额贷款业务中，传统模式下的数据孤岛现象往往导致欺诈事件和效率低下等问题。报告中指出，基于蚂蚁链的技术方案，上海银行、重庆富民银行与多方主体连接，共享可信数据，提高了协作透明度和效率。
In the banking sector’s supply chain finance and microfinance operations, traditional patterns of data silos often lead to fraud and inefficiency. The report notes that technology programmes based on the ant chain link Shanghai Bank, Chongqing Rich Bank to multiple players, sharing credible data, and improving the transparency and efficiency of collaboration.
此外，在跨境转账业务中，应用区块链技术能够大大简化流程链条，缩短办理时间。由蚂蚁链提供技术支持的AlipayHK作为案例入选报告。通过AlipayHK,用户可向菲律宾钱包Gcash汇款，耗时仅三秒，此前需要10分钟到几天不等。
In addition, in cross-border transfers, the application of block chain technology can significantly simplify the process chain and reduce processing time. AlipayHK, which is supported by the ant chain, is selected as a case report.
公开资料显示，蚂蚁链突破性融合包括区块链、AIoT、智能风控等技术，其自主研发的技术平台，能够支持10亿账户规模、每日10亿交易量，并具备10万PPS的跨链数据包处理能力，这让区块链技术在大规模商业场景中的应用成为可能。在产业化方面，蚂蚁链已在超50个实体服务场景通过区块链技术完成数字化升级。
According to public sources, the breakthrough integration of the ant chain includes technologies such as block chains, Aiot, smart wind control, and its autonomous technological platform, which supports 1 billion account sizes, 1 billion transactions per day, and has the capacity to process 100,000 PPS multi-chain data packages, making it possible for block chain technology to be applied in large-scale business scenarios. In terms of industrialization, the ant chain has been digitally upgraded in over 50 physical service sites through block chain technology.
不久前，全球权威咨询机构国际数据公司（IDC）发布《IDC MarketScape：中国区块链即服务（BaaS）平台厂商评估，2020》显示，蚂蚁集团凭旗下蚂蚁链位居中国区块链平台领导者位置。
Recently, the International Data Corporation (IDC), a global authoritative advisory body, published IDC MarketScape: Assessment of China's Block Chain or Service (BaaS) Platform Vendors, 2020, which shows that the Ants Group is in the position of leader of the China Block Chain Platform under the flag.
区块链3.0时代的愿景
早在2017年，麦肯锡公司就向美国联邦保险咨询委员会提交过一份区块链技术报告，报告把2009年-2016年称为“黑暗时代”，其间所有区块链解决方案都基于比特币，而区块链的新时代将从2016年开始，超过100种区块链技术解决方案已被探索。 As early as 2017, McKinsey submitted a technical report on block chains to the United States Federal Insurance Advisory Board, which referred to 2009-2016 as the “Dark Age”, during which all block chain solutions were based on Bitcoin, while the new era of block chains will begin in 2016, with more than 100 block chain technical solutions being explored. 目前区块链已经走出了概念性阶段，正在跨入区块链3.0时代，真正融入到人们生活的方方面面。澳大利亚BTL公司主席John Joseph Foley曾表示，区块链3.0时代一旦降临，就将颠覆现在所有的认知，“我们将跨入一个全新的时代，一个不再有信任危机的时代”。 The block chain is now in its conceptual stage, moving into the 3.0 era of the block chain, where it is truly integrated into all aspects of people's lives. John Joseph Foley, President of BTL, Australia, once said that the 3.0 era of the block chain, once it had arrived, would undermine all current perceptions, “we will enter a new era, an era in which there will no longer be a crisis of trust”. 业内专家Roy向华夏时报金融研究院研究员分析，从以数字货币为主导的区块链1.0时代到可编程化的智能合约为上层应用开发提供底层技术的区块链2.0时代，使得区块链为更多行业带来新的发展方向，其中经历了大概10年的时间。目前我们正处于从区块链2.0时代过渡到以变革生产关系为标志的3.0时代，未来的10年，企业在这个阶段竞相研发，利用区块链技术推出新产品与催生新的生产关系，“无信任成本”将成为新的生产关系的重要内容，也是当下企业重新洗牌新的10年。 According to an analysis by Roy, an in-house expert to researchers at the Washington Times Financial Research Institute, from the era of the digital currency-dominated block chain 1.0 to the age of the programmable smart contract, which provided a bottom-up technology for the development of upper-level applications, the block chain has brought about a new direction for more industries, some 10 years after it. We are now in the transition from the age of the block chain 2.0 to the age of 3.0, marked by the transformation of productive relationships, the next 10 years, in which firms compete to develop new products and create new production relationships using block chain technology. （作者为华夏时报金融研究院研究员） He's a researcher at the Warsaw Times Financial Research Institute. 责任编辑：孟俊莲 主编：冉学东 Responsible Editor: Mon Jun-Lian, Editor-in-Chief: Peng Xiaodong 查看更多华夏时报文章，参与华夏时报微信互动（微信搜索「华夏时报」或「chinatimes」） Read more of the summer Times articles and participate in the summer Times micro-interactions ("/span" or "chinatimes
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