经济观察报 记者 胡群 当生成式人工智能在政策、商业、技术等多方力量的推动下，正在以超乎想象的速度蓬勃 发展，区块链技术商业价值发展如何？ 2023年12月26日，微众银行科技创新产品部负责人、金链盟常务副秘书长姚辉亚在接受经济观察报记者专访时表 示："区块链技术正在成为数字经济中不可或缺的基础设施。2023年我们看到大量区块链应用已经初具规模，有效 地解决了各类真实痛点问题，为建设者和运营者带来了可观的经济价值，有的还带来了商业模式的创新。区块链 商业价值的拐点已经出现。" 长期以来，区块链技术的商业价值一直备受争议，许多人认为区块链技术仍处于初级阶段，尚未有成熟的商业模 式。随着近年来区块链技术生态的发展，越来越多的企业开始探索区块链技术的产业应用。它们以提升业务效 率、降低成本、增强数据安全等方面为目标，推动着区块链技术的商业价值不断攀升。当前，区块链技术已经广 泛应用于金融、供应链、物联网、版权保护、公共服务等多个领域。IDC预测，2024年中国区块链市场规模将达 到25亿美元。 坚持开源开放 中国信通院发布的《区块链白皮书（2023年）》显示，截至2023年12月，全球共有区块链企业10291家，其 ...

Core Insights - The Guangdong Free Trade Zone (FTZ) has seen significant developments in financial support and innovation over the past decade, particularly in cross-border trade and investment facilitation [1][7] - The introduction of the "FT Account" has provided companies with advantages in foreign exchange risk management, allowing for more efficient capital turnover and reduced costs [3][7] - The establishment of the cross-border data verification platform has enhanced the efficiency of credit assessments and loan approvals for businesses operating in the Guangdong-Macao cooperation zone [4][5] Financial Innovations - The "FT Account" allows for integrated onshore and offshore currency transactions, providing a more favorable exchange rate for enterprises, which has been crucial for companies facing long-term contracts and exchange rate volatility [3][7] - The implementation of the "fund flow credit information sharing platform" aims to address the credit information gap for small and micro enterprises, facilitating easier access to financing [5][7] Industry Impact - The shipbuilding industry in Guangzhou is experiencing high demand, with orders extending to 2029, but companies are increasingly concerned about the impact of currency fluctuations on profitability [2] - High-tech enterprises in the environmental monitoring sector are leveraging innovative financing solutions, such as the "fund flow + science and technology quick loan," to meet substantial R&D funding needs [6]

Core Insights - The Guangdong Free Trade Zone (FTZ) has seen significant developments in its ten years of establishment, with a focus on financial support and cross-border trade facilitation [1][7] - The introduction of the "Gold Reform 30" policies has improved cross-border RMB settlement, reducing exchange costs and enhancing capital turnover efficiency for businesses [1][7] - The FT account system has been instrumental in providing businesses with favorable exchange rates and risk management solutions [3][7] Group 1: Financial Innovations and Support - The FT account offers a more advantageous exchange rate compared to domestic forward settlement rates, allowing companies to hedge against currency risks effectively [3] - A shipbuilding company has secured forward settlement of $64 million through the FT account, demonstrating the practical benefits of the financial policies in the FTZ [3] - The cross-border data verification platform has streamlined the loan approval process for individuals and businesses, enhancing efficiency and reducing operational costs [4][5] Group 2: Business Growth and Challenges - A shipbuilding enterprise has orders extending to 2029 but faces significant risks from currency fluctuations, highlighting the sensitivity of export-oriented companies to exchange rate volatility [2] - A high-tech company in the environmental monitoring sector has benefited from tailored financing solutions that leverage data flow for credit assessment, resulting in a quicker loan approval process [6] - The establishment of a national credit information sharing platform aims to support small and micro enterprises in obtaining financing by addressing credit information gaps [6]