First, imagination is the fundamental driving force.
? Social work is a profession based on practice, and it is a discipline to promote social change and development, improve social cohesion, empower and liberate human beings. The clients are mostly social vulnerable groups, and the practitioners are called "social workers". The core idea of social work is that everyone is capable and changeable.
? The concept of inclusive finance was put forward by the United Nations in 2005. It refers to providing appropriate and effective financial services to all social strata and groups with financial service needs at an affordable cost, focusing on vulnerable groups such as small and micro enterprises, farmers and urban low-income people.
? The geek spirit behind the blockchain and its decentralized characteristics are a rebellion against the unequal will hidden behind centralization and authority, and a pursuit of equality, development and human return to trust.
? Social fairness and equality, giving ordinary people their due rights and interests, is the common pursuit of social work, inclusive finance and blockchain. The three have the same goal, which is exactly the sentence "Everyone should live with dignity".
? Professor Yunus, the founder of Grameen, said that imagination is the fundamental driving force for realizing dreams. Professor Yunus, the founder of Grameen, believes that imagination is the fundamental driving force for realizing dreams. By using the imagination of sociology, social work and financial technology, these three people with the same background met and the G2G(Group to Group) project was born.
Second, Grameen-Jingtong Technology inclusive finance G2G Experiment?
Grameen was founded by Professor Yunus, a Bangladeshi banker, with the aim of providing financial services to the lower classes, alleviating poverty and "embracing the untouchables in the financial field". Grameen's idea coincides with Jingtong, the founder of Jingtong Technology. Jingtong 20 14 founded Jingtong to promote inclusive finance's initial intention. At the same time, the Grameen five-person team and every ten teams form a center, and the operation mode that the node center manager needs to rotate every year coincides with the decentralized characteristics of the blockchain; Grameen doesn't have a complicated contract, and the signature on the form will take effect. Manual bookkeeping can be viewed by anyone, similar to the open and transparent distributed bookkeeping method of blockchain. It's just that Grameen's manual bookkeeping method has the defect of inconvenient communication. Jingtong Technology records and publicizes the outstanding credit records of Grameen with a repayment rate of over 99% through data uploading, which makes up for the shortage of Grameen's manual bookkeeping method and gathers more resources to participate in it.
? With the help of Mr. Zhang Pei, Vice President of Jingtong Technology, Grameen became a node of Jingtong node ecology in June 20 18, and took the G2G project as an opportunity to carry out in-depth cooperation. The first repayment of the principal and interest of the first phase of the G2G experimental project was successfully completed in the SWTC public chain on February 28th, 20 19, and I was fortunate to be a member of the investment team No.002 of the second phase of the G2G project on March 28th, 20 1 year.
? G2G project description
1, which not only follows the concept of public welfare, but also follows the laws of the commercial market. The experiment designed an annualized rate of return of 5%, which ensured that Grameen members could bear it and ensured the sustainability of the project. This design enriches the diversity of sources of funds, and it is of great significance to let more forces in society participate in it. ?
2. The design of the whole capital flow process has absorbed Grameen's idea: G2G(Group to Group) group-to-group transaction mode design, which avoids the information blind spot in peer-to-peer transaction. The investor group is responsible for capital contribution, and the Grameen member group is the service object, and there is no creditor's right relationship between the two parties. Grameen conducts daily operation and management, and SWTC Foundation is responsible for coordination and supervision. Even if the group defaults, Grameen will make an overall balance and will not affect the income of investors. Professional people do professional things, do their own jobs, and do not interfere with each other, making poverty alleviation more accurate and effective. ?
The operation of G2G project has more details, but this is not the focus of this article, so I won't elaborate here. The spirit behind the G2G plan and the concern for the people at the bottom are the key points, as well as the brilliance of social work, inclusive finance and blockchain technology.
Nietzsche said that life is meaningless, but we should give it meaning with Dionysian spirit, which is the greatest thing of mankind. Although people should be alert to all "great" things, I personally hope to give life meaning. It's the feeling that the social work profession gives me, and it's a plus point for self-deception and boasting. As a sponsor, it is glorious to participate in the G2G project, grow together with Jingtong Technology, and make a little contribution to the social work in China, the development of inclusive finance and the blockchain!