The so-called “digitalization” refers to a “digital complex” composed of a series of digital technologies such as big data, artificial intelligence, mobile Internet, cloud computing, and blockchain. If the “digital” platform is compared with the human body, the Internet, mobile Internet, and the Internet of Things are like the human nervous system, big data is like the internal organs, skin, and organs in the human body, and cloud computing is equivalent to the backbone of the human body.
With the nervous system, spine, internal organs, skin and organs, plus the artificial intelligence equivalent to the soul-the human brain and nerve ending system, the basic “digital” platform is formed. Blockchain technology not only has the characteristics of immutable and traceable genes inherited in the human body for tens of thousands of years, but also has the decentralized and distributed characteristics of human genes. With the help of blockchain technology, the “digital” platform will have a disruptive transformation of its basic functions and applications, thereby generating a stronger driving force for the economy and society.
The “Five Whole Genes” of “Digitalization” and Their Subversive Effects
Why is the “digital” basic platform so powerful and disruptive?
The “digital” basic platform actually has the “five holistic features”: the entire airspace, breaking regional and spatial barriers, can be ubiquitously connected from sky to earth, from above ground to underwater, from domestic to international; the whole process is related to At every point in all human production and life processes, information is accumulated 24 hours a day; full scenes, across industry sectors, and all human life and work behavior scenes are opened; full analysis, through the collection of artificial intelligence, Analyze and judge, predict all human behavior information, produce new cognition, new behavior and new value different from the traditional; full value, break the closure of a single value system, penetrate all value systems, and integrate and create unprecedented, Huge value chain.
The modern informatization industry chain has various connections with the world through data storage, data calculation, and data communication.
It is precisely this “five-complete” characteristic gene that when they are combined with the industrial chain, they form the information of the industrial chain, the information of the whole process, the information of the whole value chain, and the information of the whole scene, which become very valuable data resources.
It can be said that the combination of any traditional industrial chain with these five major information technologies will immediately form a new economic organization method, thus posing a disruptive impact on the traditional industry. The disruptive industry we often talk about mainly refers to the network data platform industry with the above five complete information.
Combining this five-dimensional information with industrial manufacturing will form Industrial Manufacturing 4.0; combining it with the logistics industry will form an intelligent logistics system; combining it with urban management will form a smart city; combining it with finance will form a financial technology or Technology finance.
Five aspects of “digitization” impact on human society
1. subversion of the global personal payment
as technology advances and the popularity of mobile Internet application field of our country, mobile phone-based payment went into every corner of life, the new payment method has been a mainstream, to pay for treasure, micro-channel pay as the representative Of mobile payments have covered 1.4 billion people. Mobile payment has precipitated personal funds exchange information into credit data, enabling companies to have great innovations at the level of business format-separation of ownership and usage rights.
This is the basis for the emergence and vigorous development of shared businesses such as shared bicycles and shared offices. When companies sell goods or services, they no longer need to sell ownership, but only need to sell the right to use a certain period of time. In the future, various types of shared businesses, such as shared furniture, shared tools, and shared intelligence, will usher in greater development opportunities with the help of mobile payments. With the gradual penetration of blockchain technology in the financial field, the implementation of the underlying technology of personal cross-border transfers has also begun to be rewritten. In the past, personal cross-border transfers needed to cross payment institutions, banks and international settlement networks, and the entire process was inefficient due to serial processing. Now, blockchain technology can be used as an interface technology between payment institutions and commercial banks.
2. reshape the trade clearing and settlement system
in the digital age, not only need to change the personal payment, inter-enterprise payment settlement between countries also need to be remodeling. When enterprises carry out foreign exchange settlement in international trade, they will face the issue of whether the two countries’ currencies are directly paid for settlement, or the US dollar is the median price.
Before the launch of the RMB cross-border payment system (CIPS), RMB cross-border clearing relied heavily on the US SWIFT (Global Interbank Financial Telecommunications Association) system and CHIPS (New York Clearing House Interbank Payment System). However, there are certain risks that rely heavily on the SWIFT system and CHIPS: First, the SWIFT system and CHIPS are gradually becoming a financial instrument for the United States to exercise global hegemony and long-arm jurisdiction; secondly, the SWIFT system is outdated, inefficient, and costly. payment system.
Therefore, driven by big data platforms and blockchain technology, it has become the consensus of many countries to build a new settlement network.
Blockchain technology has five major characteristics: decentralization, information that cannot be tampered with, collective maintenance, reliable databases, and openness and transparency. It has the natural advantages of transparency, security, and credibility in clearing and settlement.
At present, 24 governments around the world have invested and built distributed accounting systems, and more than 90 multinational companies have joined different blockchain alliances. The European Union, Japan, Russia and other countries are studying to build an international cryptocurrency payment network similar to the SWIFT system to replace it. More and more financial institutions and blockchain platforms are testing the waters of cross-border payments through the blockchain, using practical actions to bypass the SWIFT system and the CHIPS global payment system.
3. The reform of the global currency mechanism
today to Bitcoin, Libra (Facebook launched a virtual currency encryption), the central bank on behalf of digital currency to currency began to appear, currency ushered in the digital age.
Bitcoin and Libra, a decentralized currency based on the blockchain, are separated from sovereign credit, the issuance basis cannot be guaranteed, the currency value cannot be stable, and it is difficult to truly form social wealth.
For sovereign countries, the best way to practice the right to issue currency is for the government and central bank to issue sovereign digital currencies.
In the process of issuing sovereign digital currency by global central banks, in addition to improving convenience and security, a new rule must be formulated so that digital currency can be linked to sovereign credit and related to national GDP, fiscal revenue, and gold reserves. Establish an appropriate proportional relationship and use a certain mechanism to curb the situation of excessive currency issuance.
4. promote the development of smart city
smart city is an upgraded version of the new city, is an advanced form of future cities, large data, cloud computing, Internet, networking and other new generation of information technology support.
Committed to the intelligentization of urban development, so that the city has the ability to perceive, respond, and regulate intelligently, and realize the sustainable development of the city.
To promote the construction of smart cities from the tactical level, it is also necessary to grasp its inherent logic and grasp two key points.
First, the foundation of smart city construction is the Internet of Everything, and an era of Internet of Everything is coming. The smart city is precisely the urban form supported by this. To promote the construction of smart cities, we must fully grasp and proficiently use the new technologies, new ideas, and new thinking of the Internet age, and promote the integration of “city” and “wisdom” more scientifically and actively. Otherwise, it will be difficult to make major breakthroughs.
Second, the construction of a smart city can be divided into four phases. In terms of logic, the construction of a smart city must go through at least four steps. First, let the city’s objects speak, secondly let the objects communicate with each other, let the objects communicate with people again, and finally let the city think.
This determines that the construction of smart cities is divided into four versions: version 1.0 is digital, which is the primary form of smart cities. The purpose is to allow the world we live in to be expressed digitally; version 2.0 is networked, which is to digitalize through the network The essentials of the city are connected to realize the interactive sharing of data; version 3.0 is intelligent, which is to achieve local intelligent response and control based on network transmission, such as smart toll, smart transportation, smart factories, etc.; version 4.0 is smart, which is to use everything The interconnection enables the optimal operation of various parts of the city driven by human wisdom. Only in this version can a smart city be basically completed.
Of these four editions, the previous edition is the basis of the latter, but they are not completely separate and distinct. To promote the construction of smart cities, we must proceed step by step and be moderately ahead, but we must not be too far-sighted and eager for success.
The fundamental changes in health care
human immune system, in fact, a third of the disease is not treated will heal; a third of the disease even if the treatment can not be cured, doctors can not afford to cure it; there are 1 / The disease of 3 will not be cured without treatment, and it will be cured only after treatment. Therefore, the normal medical system should perform its main function in the areas that can be cured only after 1/3 of the treatment.
At the same time, we should make full use of the role of big data, cloud computing, and remote diagnosis to deal with diseases that will be cured without treatment and diseases that will not help if treated. This is actually the advancement of human medical technology, which can not only save a lot of medical insurance funds and social health care costs, but also enable humans to eventually extend their lives.
The impact of “digitalization” on industrial development
The “digital” era has brought us into an era of data value. Data is as valuable as traditional resources and energy and has become a symbol of corporate competitiveness. In terms of industrial development, there are three aspects worthy of attention.
1. Industry 4.0: industrial manufacturing of “digital” background
in big data, cloud computing background, industrial and enterprise features have been some important changes, first change occurred in the manufacturing sector in this regard, namely ” Industry 4.0″.
The data and information of the enterprise’s meters, production lines, workshops, management departments, supply chain, R&D, operations, products, customers, and consumers are interconnected. Real-time integration and feedback enable the entire factory enterprise to shift from traditional manufacturing to individual customization, and realize the flexibility and individualization of the production process.
”Industry 4.0″ enterprises with this function make full use of cloud computing, big data, Internet of Things, artificial intelligence, industrial robots, smart sensors, machine vision data collectors, smart logistics, network security and other information technologies.
”Industry 4.0″ is the highest level of robot operation in contemporary human society. This level has three characteristics: one is that there are almost no people in the workshop, all of which are robots, and robots replace people to perform sophisticated operations; the other is the entire workshop and the entire factory. Can be counted as a person. The brain of the entire factory automatically decides how to operate and how to calculate logistics. The entire factory can be regarded as one person operating automatically; the third is to be closely connected with the entire market. Product requirements, market customization requirements, and individual requirements are all designed in advance.
2. chain cluster: a cluster of processing trade in the “digital” background transformation
in the “digital” in the background, the traditional processing trade, processing of transformation and upgrading, significant changes will occur. What are the disadvantages of traditional processing trade?
One is the high logistics cost of the global layout, middle and downstream industrial chain system, and the other is the weak cohesion of the industrial chain. The cluster development of the vertical integration of the industrial chain can not only enable the organic integration of resource elements between the upstream, middle and downstream enterprises of the industrial chain, avoid mismatches between supply and demand within the industry, and make supply more accurate and effective. It can also promote the continuous innovation of enterprises, promote the survival of the fittest, extend the life cycle of the industry, and achieve a rapid rise in industrial energy levels through the healthy competition of production technologies and processes in the industrial chain. More realistically, it can effectively reduce logistics and other costs, make up for shortcomings such as innovation, and form core competitiveness.
In specific ways, three types of clusters should be promoted.
The first is the upstream, midstream, and downstream industrial chain clusters. For example, in the automobile industry, a car has tens of thousands of parts. If a pillar is to be formed, 70%-80% of the upstream parts industry must be locally produced, forming an upstream, midstream, and downstream industrial chain cluster.
The second is to encourage similar products and similar enterprises to form clusters. When a large-product industrial chain cluster is formed, its upstream raw materials and parts supporting industries can serve leading enterprises as well as other similar enterprises. This makes it possible to gather similar products and enterprises to form clusters.
Finally, it is to form producer services and manufacturing clusters around the manufacturing industry, and promote the clustering of producer service enterprises.
The development model of the three clusters conforms to both horizontal division of labor and vertical integration. Such a cluster model also conforms to the personalized customization in “Industry 4.0”.
Once any product can be customized, the allocation of retained resources can be quickly improved. If this kind of resource allocation needs to be transported globally, all aspects cannot be controlled. But if 70%-80% of the parts are basically in one place, various Internet systems such as customized systems and information communication systems can make decisions, deliver, and complete within one or two hours after the product customization requirements are generated. Product customization. In this way, an enlarged “4.0 Factory” is formed, which is actually an industrial chain cluster of “Industry 4.0”. Such a cluster is very effective.
The true competitiveness of China’s manufacturing industry in the future will depend on three aspects: one is research-driven and innovation-driven, capable of independent development in strategic and basic technological development; the second is a cluster of the entire industry chain, once the entire industry chain cluster Formed, there will be cluster competitiveness; the third is to form an intelligent operation of the Internet of Things in accordance with the requirements of “Industry 4.0”.
3. Financial Supply Chain: Supply chain development of “digital” background transition
years, many industrial enterprises, commercial enterprises, non-financial companies are also keen on cross-border operation before, it is hard to engage in financial license.
Because of the high profits of the financial system, everyone cross-border operations are engaged in financial business, so that the financial industry has risen in the false fire, out of the reality, and the leverage is superimposed, the risk accumulates, and chaos grows.
Currently, the financial sector is carrying out deleveraging and risk prevention in accordance with the requirements of the central government, and strengthening the rectification of asset management business and cross-border business under the new situation. Where is the way out for non-bank financial institutions? Just in the industry chain finance.
First, as a leading company, you can set up a small loan company with upstream companies that supply raw materials as customers. It looks like a small financial institution, but it connects thousands of supporting enterprises in the supply chain centered on the company.
Second, companies downstream in the supply chain. After the leading company sends the goods, the downstream companies that use the product have to pay. It also involves the supply chain and finance. Whether it is small loans, factoring or leasing, business information is of the entire industry chain, has background, and is reliable.
Generally speaking, whether Internet finance or industry chain finance is good, it has the information background of the whole industry chain, which can help enterprises to do a good job of financial credit, reasonable leverage, and minimize risks.
”Digitalization” will reshape our social ecology, but it has not changed the basic economic laws and financial principles of human society. All kinds of Internet business platforms, as well as information platforms, search platforms or financial platforms based on big data, cloud computing, and artificial intelligence technologies should be in awe of human social rules, economic laws, and financial principles and reach a consensus in their operation and development.