Credit Union and Block chain.

我刚到韩国，出席亚洲储蓄互助年会，就看到这样一个消息: 美国储蓄互助社系统利用区块链开发共享账簿。

今年亚洲储蓄互助年会一个议题就是数字金融。他们今年5月在西班牙召开了全球储蓄互助系统的数字金融会议。我认为合作社与区块链有天然的耦合性。

储蓄互助社是非营利性合作金融组织，社员共有，共管，共享。社员共享一个账簿。社员共有，共管，共享。社员共享一个账簿。

原来已经共享账簿，而且储蓄互助的合约已经存在100多年，证明是有效的关系。现在只需用区块链方式把合约智能化，提高效率，实现去行政化管理体系，解决志愿服务的难题。

我考察过的孟加拉ASA也是中心成员共享账簿，每个营业所的所有信贷员共享账簿，因此他们没有专职会计。

中国小额信贷联盟与国际储蓄互助联盟组织达成协议，作为其在大陆独家合作伙伴，联合开展储蓄互助社试点。

Credit Unions create their own R3-like blockchain consortium05 September 2016  

In an effort to prove that blockchain technology is not just the preserve of big ticket banking associations, US credit unions have formed a collaborative venture to explore the application of distributed ledgers for member-owned financial cooperatives. A collaborative effort among Cuna, Best Innovation Group, the Mountain West Credit Union Association, PSCU and other industry partners, CULedger is a "research-to-action" initiative that is investigating the viability of a private, permissioned distributed ledger (DLT) that can be used by credit unions. 

"It is an effort to do for the credit union industry what R3 is doing for the banks: assemble a consortia of credit unions and CUSOs to build a ledger network dedicated the needs of credit unions," say the partners.

The legal structure of the CULedger governing body is still being determined by a steering committee, which is raising funding from CUs and CUSOs to pay for R&D. This group, which held its first formal meeting late last month, is spearheaded by MWCUA VP innovation Rick Cranston; Cuna COO Rich Meade; and Best Innovation Group CEO John Best.

The funding will go towards the creation of a technical pilot programme to establish a series of nodes that will form the network backbone for the distributed ledger. 

Chuck Fagan, president & CEO of PSCU, says: “The collaborative effort of the credit unions, industry advocates and partners involved in the CULedger initiative represents the most appropriate approach to achieving greater efficiencies in areas that are central to credit unions’ core business interests.”

PSCU has partnered with research group Glenbrook Partners to publish a white paper on blockchain technology and its potential for credit unions.

“Credit unions have good reason to be excited about the potential of blockchain technology,” says George Peabody, partner at Glenbrook Partners. “It may function as an asset custodian, improve record keeping, support remittance and settlement functions, and even automate contracts. While these are early days in blockchain technology development, the emerging applications based on this new approach could alter how assets of many kinds are transferred and tracked. It’s time to pay attention.”