I believe that in recent days, everyone has paid more attention to a female car owner sitting on a Mercedes-Benz motor vehicle cover and crying about rights defending events, fermenting from the event. All the way down, Mercedes-Benz 4s shop big bully's shameless face can be described as a stunned, the female car owner bought the Mercedes-Benz car has not opened 200 kilometers, began to leak oil, and the Mercedes-Benz 4s shop proposed the need to replace the engine, the two sides deadlocked, It caused the Mercedes-Benz to stay in the 4s shop for nearly half a month.
The female car owner negotiated with the Mercedes-Benz 4s shop no less than three times. The proposed solution: from the refund to the final change of the car to the compensation, it is surprising that the Mercedes-Benz 4s shop is uncharacteristic. All the plans before the overthrow are determined to replace the engine. The female car is actually It is difficult to accept, and there is an incident of crying and defending rights on the Mercedes engine.
The video of rights protection was posted on the Internet, which formed pressure from public opinion. The relevant departments began to act, instructing Xi'an Lizhixing 4s to properly resolve the demands of consumers, and the Mercedes-Benz 4s shop to carry out comprehensive rectification.
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Before the deadline for publication, the female car owner and the female executives of the Mercedes-Benz 4s store confronted each other. The female car owners were logically rigorous and clear-cut, and the verbal confrontation between the two sides was very intense during the negotiation process.
The final public focus is all on the Mercedes-Benz financial service fee. The female car owner seriously suspects that she has suffered 4s of fraud. After signing the purchase document and completing the loan contract, the salesperson has deceived himself to pay more than 15,000 so-called financial services. Fees, this incident has gradually evolved from the issue of car quality, whether Mercedes-Benz 4s has consumer fraud and other behaviors.
According to Article 55 of the Law on the Protection of Consumer Rights and Interests, if the operator provides fraudulent acts of goods or services, it shall increase the compensation for the losses suffered by the consumers according to the requirements of the consumers, and increase the amount of compensation for the price of the goods purchased by the consumers. Or three times the cost of receiving the service.
The fraud problem in the transaction process is believed to be hated by everyone. The only way to do so now is to resort to legal weapons to safeguard rights. As for the problem to be solved by the law?
What does trust come from?
All of the above questions are essentially trust issues. The female owner suspected that the Mercedes-Benz had oil leakage problems without opening 200 kilometers, whether there was any quality problem in the engine of the vehicle and the fraudulent behavior in the process of paying the financial service fee. Once any party had a crisis of confidence during the transaction, The face is the stagnation of trading and the collapse of confidence.
The blockchain is used as a data recording technology. The way of recording allows strangers to trade without the need for an intermediate guarantor or intermediate platform. It reduces the cost of trust between strangers to a very low level and solves the most market transactions. Core trust issues.
To solve the transaction trust problem, you must have the following characteristics:
1: Transaction data cannot be tampered with;
2: All data can be queried and traced;
Open and transparent car quality data is the source of trust. In the case of engine oil spills, 4s shop can never provide any persuasive car quality data, let the female car owner completely collapse the 4s shop, stage a cultural man into a shrew .
What is the core issue of solving trust?
The essence of blockchain to reduce the cost of "trust" is a process of de-intermediation. The object of true revolution is the intermediary link and monopoly institution in the relationship between supply and demand. Obviously, in the process of car purchase, the monopoly of 4s shop on vehicle information and The hiding of financial service fees is the core issue that needs to be solved urgently in the process of trust.
Deintermediation is an ideal state and an information non-asymmetry problem that must be solved. All information asymmetry means that both sides of the transaction will face the problem of "moral hazard" after the transaction is completed. Morality and law are two important aspects of social stability. The composition factor, morality is the individual's restraint on the self, the law is the constraint on the society, and the trust problem is precisely the core of the two problems. Solving the trust problem not only solves the moral risk, but also the legal guarantee. So how to provide an effective mechanism to solve the trust problem?
Smart contract debut
The smart contract originated in 1995, the theory put forward by the prolific cross-disciplinary legal scholar Nick Saab, who published the article on the website mentioning the leading concept of smart contracts:
"A smart contract is a set of promises defined in digital form, including agreements on which contract participants can execute these commitments."
Commitment of both parties
A set of commitments refers to the mutual rights and obligations agreed by the contract participants. Commitment defines the nature and purpose of the contract. Take the car sales contract as an example: the seller promises to sell the car, and the buyer promises to pay the corresponding payment.
The digital form means that the contract has to be written into computer readable code. Because as long as the parties reach an agreement, the rights and obligations established by the smart contract are executed by a computer or computer network, which is very necessary.
How smart contracts work:
Building contracts, smart contracts are developed by multiple users within the blockchain and can be used for any trading behavior between users. The agreement clarifies the rights and obligations of both parties, and the developer programs these rights and obligations electronically, and the code contains conditions that trigger the automatic execution of the contract. If the female car owner receives the car and executes the contract on the contract to pay the money to the 4s shop, there will be no sales fraud, and the financial expenses will be completely solved.
Permanent storage, from the completion of the contract code, the car purchase smart contract is uploaded to the blockchain network, that is, the entire network verification node will be connected, can be inspected anytime and anywhere, there is no possibility of repayment.
The contract is executed to form a periodic check to see if there are related events and trigger conditions; events that meet the conditions will be pushed to the mechanism to be verified. If the female car owner pays the money to the 4s shop in advance, the car purchase contract will take effect. From the supervision department and 4s, the relevant information can be inquired on the contract, the work efficiency of the supervision department is improved, and the relevant departments are not responsible for the documents. The intermediate link, with the monitoring, ensures the transparency and openness of the transaction.
For node verification, the contract is first verified for signature to ensure its validity. After most of the verification nodes reach a consensus on the event, the smart contract will be successfully executed, and the car owner can be notified of the car purchase. Avoid unnecessary time and financial consumption.
Successfully executed contracts will be removed from the block, while unexecuted contracts will be queued. So that the next contract is successfully executed. After the car purchase, the insurance maintenance problem is completed, and a basket is solved to provide a full-site solution.
In the world of smart contracts, everyone maintains a large block book of blockchains. Any transaction data cannot be tampered with, cannot be forged, reduce the evils of less manual intervention, reduce labor costs, and face unnecessary disputes. Everything makes the code host a fair and reasonable transaction.
Unfortunately, blockchains and smart contracts can solve technical problems, solve human problems, and tools and humanity are destined to become a paradox.
However, it is exciting that a series of blockchain new technology tools such as smart contracts can effectively limit the moral hazard of human nature and solve disputes in the transaction process. In fact, the restriction itself is an improvement.