The difference between mathematical currency and bitcoin
the natural nature of bitcoin is decentralized, but the Central Bank of digital currency must abide by the centralized management model. Compared with bitcoin, the central bank's digital currency has a higher "currency" value, and the price of bitcoin fluctuates greatly. the central bank's digital currency ensures the payment function in daily life, and has remained relatively stable since 2014. Since the beginning of the year, the central bank has been actively engaged in the research and development of digital currency, including the active application of relevant patents
starting from the issue of digital currency, the central bank uses a two-level operating system, which first converts digital currency into banks or other operating institutions, and then to the public. Mu Changchun said the al transmission system is suitable for China's national conditions. We can not only use the existing resources to mobilize the enthusiasm of commercial banks, but also improve the acceptance of digital currency without any problem
According to the overseas edition of the people's daily, on August 21, the relevant person in charge of the people's Bank of China reported in public that the development of the digital currency system was under way, and the "digital RMB era" was coming
it is reported that at the third Yichun forum of 40 people in China finance, Mu Changchun, vice mayor of CCTV payment and settlement department, said that the digital currency Research Institute under the central government started the development of digital currency system as early as 2018
There are essential differences between bitcoin virtual currency and digital currency. Bitcoin and other "virtual currencies" are not money in essence. Unlike legal tender issued by the state and national credit support, the investment of virtual currency is affected by factors such as tightening supervision and technical problems, and its price often rises and falls sharply, which disturbs the domestic market to a great extent, Even the normal order of the global monetary and financial system
from the perspective of currency circulation principle, in order to ensure the orderly operation of the financial system and macro-control, only the state can exercise the highest power of currency issuance. Therefore, the central bank's digital currency is legal digital currency issued by the central bank based on national credit, which is fundamentally different from bitcoin
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there is also the correct operation:
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Mobile payment means that mobile clients use electronic procts such as mobile phones to make e-money payment. Mobile payment creates a new payment method and makes e-money popular. Because of the advantages of convenient and fast payment, eliminating counterfeit money, no change and so on, it is loved by many people< The Ministry of Commerce issued the "overall plan for the pilot project of deepening the innovation and development of service trade in China", and officially announced that the number of digital currency has expanded from the original 4 pilot cities to 28 , which means that digital currency is coming towards us. The same virtual currency and bitcoin, so these virtual currency can replace the status of paper money
Therefore, it is essentially no different from the paper currency RMB, and will not be wildly hyped like bitcoin. In a short period of time, virtual currency can not completely replace traditional currency. There are mainly two constraints: the first is the user's will, not everyone is used to this payment method; the second is the satisfaction of technical conditions, because the speed of transaction payment is mainly limited by the technical realization, and the goal of digital currency is only to replace part of the cash in circulation. So for a long time, it should be used in parallel with banknotes