Central bank digital currency lakara

1.

The digital currency of the central bank is DCEP

the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency

The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous

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Application of digital currency

I. fast, economic and safe payment and settlement

cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed

At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:

3. Bill finance and supply chain finance

in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs

reference materials

network digital currency

2.

It is not currently available

at present, the Central Bank of China has not issued and approved the digital currency of issuers and investors

However, at the beginning of the year, the central bank held a seminar on digital currency, at which it made it clear that it was necessary to issue digital currency as soon as possible, and the central bank put the issue of digital currency on the agenda

however, so far, the central bank has not issued any digital currency, and Zhou Xiaochuan, the governor of the central bank, said that the time is not ripe to issue digital currency. Moreover, the digital currency issued by the central bank is different from bitcoin, Ruitai, Laite and other digital cryptocurrencies, and the digital currency issued by the central bank is not decentralized

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when the central bank issues digital currency, it needs to establish a basic digital currency system. In this system, the central bank is in charge of the digital currency issuing bank, the commercial bank is in charge of the bank, and the public and indivials hold digital wallets. This is not much different from the existing monetary system in essence, but the managed currency is changed from paper money to digital cryptocurrency

in terms of issuing mechanism, there are two modes:

one is the traditional mode of "central bank commercial bank", that is, the central bank issues digital currency from the issuing bank of the central bank to the Bank of the commercial bank. When an indivial withdraws money from the commercial bank, the digital currency is transferred from the commercial bank to the personal digital wallet

another mode is the "central bank public" mode, that is, the central bank can directly issue digital currency from the currency issuing bank to the digital wallet of the public and indivials. In essence, no matter which issuing mode, money is ultimately held by the public, which is the debt of the central bank to the public

3.

does not require any fees. Now the bank welcomes you to do this business. The money must be in real time. In fact, it is very convenient to handle the Alipay payment code, open the Alipay application, apply for it directly, and send it to you. p>

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1. The characteristics of online banking are that customers can enter online banking to process transactions through the Internet all over the world as long as they have an account number and password. Compared with traditional banking, the advantages of online banking are as follows

2, greatly rece the operating costs of banks, and effectively improve the profitability of banks. In order to set up network I 2 banking business, the public network resources are mainly used. There is no need to set up physical branches or business outlets, which reces personnel costs and improves the efficiency of the bank's back office system

3, no time and space constraints, is concive to expanding the customer base. Internet banking business breaks the geographical and time restrictions of traditional banking business, and has 3A characteristics. It provides financial services to customers at any time, anywhere and in any way, which is not only concive to attracting and retaining high-quality customers, but also actively expanding customer base and opening up new sources of profits

4, which is concive to service innovation and provides customers with various and personalized services. Selling insurance, securities, funds and other financial procts through banking outlets is often greatly restricted, mainly because it is difficult for general outlets to provide customers with detailed and low-cost information consulting services

5, using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, purchasing and trading a variety of financial procts. In addition to handling banking business, customers can also easily trade stocks, bonds, etc. online banking can provide customers with more appropriate personalized financial services