來！聽明星范兒的霸道總裁跟你聊聊區塊鏈

作 者｜BingChan

排 版｜拾 叄

中文共4280字

5分鐘可讀完

今年五月份，筆者參加了參加貴陽大數據博覽會，除了領略了迷人醉人的貴州風光外，更是有幸得以結識瑞士區塊鏈基金會CEO兼ZiChain CFO安德魯古寧（Andrei Gunin）先生。安德魯先生是俄羅斯人，擁有西北大學MBA學位，幽默風趣，風度翩翩，酷似電影明星範迪塞爾，還有幸福的家庭和可愛的兒子。平時除了繁忙的環球公務，也不忘陪家人休閒，在風景如畫的俄羅斯和瑞士兩邊跑。咦，好像是現實版的霸道總裁呢？如此完美的人設，當然抑制不住採訪的衝動啦！

（特意來品嚐中國食物的安德魯先生）

（閒話不說，上張合影，大家可以忽略我）

問題一：投資者如何調整心態

Bingchan:You used to say that blockchain was isolated to some degree as an isolated eccentric technology. Nobody knew its future development. You also said that such a technology will be applied in all business fields to boom economy so people need to embrace it. But now there is a very gloomy phenomenon that due to investment failure, many people hold a very negative attitude towards blockchain, so how to adjust such attitude?

Andrei: 最近，區塊鏈技術變成了一個爭議性話題。半數專家認為區塊鏈被過高估計，而另外一些人認為區塊鏈是未來許多行業的剛需，尤其是金融科技領域。定下支持哪邊的論調其實很難，但是區塊鏈作用論被大多數學界，初創企業及大公司和政府機構所支持。

Andrei: Blockchain technology lately has been a very controversial topic. Half of the experts claim that it is overrated, others think that it is the future of many fields, especially the future of fintech industry. To take side of those that were mentioned first is quite hard, while the second point of view has been supported by multiple researches, start-up successes, and interest from huge corporations and governments.

根據UBS（瑞士最大金融控股公司）調查，區塊鏈技術在2027年的時候會創造三千億到四千億美元的附加經濟價值。

According to UBS, the biggest financial holding of Switzerland, blockchain technology will create additional economic value of $300 to $400 billion by year 2027; there are two very close but different issues- blockchain as a technology and crypt currencies as assets based on it. The current bear market on crypto markets has nothing to do with the blockchain technology but rather with a huge inflow of price speculations. The blockchain technology continues to develop every day and it seems that it is just a few years away from mass adoption.

今年是區塊鏈應用在公司發展中全面爆發的一年，而數字貨幣和財經界之間仍處於孤立狀態。隨著管理虛擬貨幣資產的基礎設施發展以及流通性的提高，可以確定的是虛擬貨幣未來終將變成稀鬆平常的資產。我們發展的是基於前沿科技及金融經驗構成的基礎設施解決方案，讓數字資產走向普羅大眾，也可讓機構及零售業投資者從中受益。

These year is a rise of blockchain implementation in corporate life, simultaneously the crypto currencies remain mostly isolated from financial industry. With the development of usual infrastructure for conducting with crypto assets, with the rise of liquidity – we are sure it will become just an ordinary asset class. We from our side are developing infrastructure solutions based on cutting edge technologies and our experience in finance to make digital finance familiar and user-friendly to retail and institutional investors.

問題二：信任社會中的危機

Bingchan: 在區塊鏈裡面，不見得非得去相信第三方，接收端的人你不認識，但你知道可以和他進行互動，這種信任是了不起的。區塊鏈構建了信任社會，但是在這種信任社會中，您覺得會不會同時存在著一些危機？

Bingchan:Trust is very important in blockchain and you do not need to trust to third party and you do not know the receiver but you can interact with him. Trust is a marvelous thing and we could regard that blockchain has established a trust society, but from your point of view, are there also challenges?

Andrei:區塊鏈是一種顛覆性技術，它讓流程運作更加高效。分佈式的槓桿科技讓整體運營過程更有效，區塊鏈作為數據存儲技術，可在多層面上移除不必要的鏈接，對既定數據進行驗證。在許多商業場景中，比如說國際貿易及房地產界，區塊鏈可以讓兩方直接進行交易（交易建立在數據記錄的登記處上）。這些數據不可能被篡改，被刪除或是被追蹤。首先來講，它不讓第三方介入，並且減少了花費和時間。區塊鏈不僅僅是關乎信任，更是關於消除欺詐。在去中心化的區塊鏈上，你可以信任所有人。

Andrei:really disruptive. It brings efficiency to lots of processes. Distributed layer technology first of all brings efficiency to the operational processes. Blockchain as a technological solution for data storage-allows you to remove unnecessary links in many processes, the main function of which is the verification of provided data. In many business processes, such as international trade, real estate operations and blockchain allows two counterparties to make transactions directly with each other based on data recorded in distributed registries. This data is impossible to falsify, delete and is easy to track. So here, first of all, it is about the possibility of conducting transactions without involving a third party and reducing the costs and time. Main advantage is not about trust- it is about removing a possibility to cheat. You can trust everybody if you operate on a decentralized blockchain.

問題三：俄羅斯和瑞士投資大環境有什麼區別？

Bingchan:你在瑞士和俄羅斯都有工作事務，而我們也非常想知道這兩個國家在對待區塊鏈技術的態度上有何異同？ 而且就整體的投資大環境而言，您覺得他們的主要區別在哪裡？

Bingchan:You work in between Russia and Switzerland and we are very curious that what are the differences and similarities for those two countries? As for the overall investment environment? How do you regard the differences between those two countries?

Andrei:區塊鏈會逐漸應用在政府層面：許多項目想要減少腐敗或者簡化資金配置流程。政府的另一個興趣點就是接受早期立法創制權，這個領域的領導者是日本和瑞士；瑞士銀行為公司開通可接受虛擬貨幣的賬戶。在一些地區，比如說楚格，比特幣已可以用來支付市政服務且瑞士的聯邦法律要求虛擬貨幣進行繳稅。在七月初的時候，瑞士的交易所SIX宣佈會成立一家名為數字交易所的虛擬貨幣交易所，而該交易所也會接受財政監管，並符合傳統銀行管理規範-token持有者可以存貯虛擬貨幣並對其進行買賣，而所有運作過程都會在區塊鏈上完成。

Andrei: Gradually the implementation of blockchain takes place on a government level: multiple projects are created with the goal to reduce corruption or to simplify the process of funds allocation. Another indicator of government’s interest is acceptance of early legislative initiatives. Leaders in this area are Japan and Switzerland. Swiss banks open accounts for companies that work with cryptos and in some regions, for example in Zug,bitcoins are accepted even when paying for municipal services. Crypto currencies in Switzerland are taxed on federal level. By the way, in the beginning of July Swiss exchange SIX announced that it is launching a crypto exchange called Digital Exchange. It will be monitored by financial regulators, and will be working in accordance with traditional banking scheme - token holders will be able to store, buy and sell crypto currencies. All operations will take place on blockchain.

討論到立法層面，俄羅斯也對虛擬貨幣市場進行了監管：在2018年一月，財政部發表了《數字財政資產法》第一版。數字貨幣交易既不觸犯法律，但也不完全合乎法律。針對這種情況，一個有效的方式就是照搬瑞士的虛擬貨幣監管政策。瑞士的政策不像中國大陸的政策那般嚴格，不像日本那般謹慎，但是同時這個政策對於所有的市場來講，又合理且便捷。根據此類法規，政府層面的產品支付及服務都有法可循；另一個方法就是不允許利用數字貨幣進行支付，但是把他們作為財政投資資產。

Discussion of legislative projects, which could regulate the crypto market also takes place in Russia: in January 2018 the ministry of finance published the first version of «digital financial assets» law. Despite the fact that crypt currencies transactions in Russia country are not illegal, they are not legal either. One solution would be the implementation of Swiss model in the area of crypto regulation. It is not as strict as Chinese regulating model, and not as cautious as Japanese, but at the same time it is quite rational and is convenient for all market players. According to this model, payment for products and services will be possible with certain controls from the government. Another approach is not to allow the use of crypt currencies for payments but recognize them as financial investment assets. Multiple researches, expert opinions, inflow of market players and interest to crypt currencies and blockchain technology in absolutely different countries proves that to turn a blind eye to the developments in this field is simply impossible. And the sooner this will get recognized, the better it will be for everyone, including the countries which will endorse the new reality.

問題四：中國，為啥神奇

Bingchan：上次在貴陽，您曾經說過，中國是個神奇的國家，和世界上其他地方都不一樣。我其實非常想知道在您心裡，中國的特別之處在哪裡？

Bingchan：I remember that you said that China was a special country, different from other places in the world and I really want to know that deep in your heart, what are the special features of China?

Andrei: 中國真的是個很特別的國家。許多城市和地區（深圳，中關村以及其他地區）都分外關注科技，讓人十分驚喜。許多年輕有潛力的工作者都在研發創新科技，而高質量的區塊鏈研究實驗室，孵化器及會議不僅數量繁多，質量也高得令人歎服；很多高精尖人群加入到這個領域，讓中國走在世界前沿。

Andrei: China from all countries which we have visited recently is really special. Many cities such as Shenzhen, Zhongguancun and other areas are amazing in terms of their technological focus. A huge number of young and talented people working on breakthrough technologies. Blockchain research and development laboratories, incubators and conferences that not only amaze with the quantity but also attract the highest caliber of competent people involved in this industry

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