RMB digital currency
the future of digital currency is still very far away. Bitcoin, ethereal currency and Leyte currency are now reced to a tool of speculation. If there is an application, the digital currency on coin Ying China can be regarded as an application, which combines digital currency with crowdfunding.
1. For commercial banks and other financial institutions, it is both an opportunity and a challenge. In the future, more innovations such as digital credit, digital assets and digital liabilities will be derived from digital currency, while the non sovereign "digital right currency" will graally cool down. In addition, the central bank can improve the efficiency of monetary operation monitoring and enrich monetary policy means after the issuance of digital currency
2. Issuing the legal digital currency of the central bank will make it possible to collect the data of money creation, bookkeeping and flow in real time. After data desensitization, it will conct in-depth analysis through big data and other technical means, so as to provide a useful reference for money supply, formulation and Implementation of monetary policy, and provide a useful means for economic regulation and control
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characteristics of digital currency
Central Bank digital currency is quite different from electronic payment in some functions. In the past, the fund transfer of electronic payment instruments must be completed through the traditional bank account, which adopts the way of "account tightly coupled"
and the central bank's digital currency is "account loose coupling", which can be separated from the traditional bank account to realize the value transfer and greatly rece the dependence of the transaction link on the account. The digital currency of the central bank can be as easy to circulate as cash, which is concive to the circulation and internationalization of RMB. At the same time, it can realize controllable anonymity
in addition, digital currency corresponds to RMB, and the exchange rate between them is fixed and there is no fluctuation, so there is no theory of appreciation and depreciation
in addition, there are many people who use digital currency to defraud, so we need to be vigilant
in the future, the digital currency issuance of the national central bank is also through the bank, rather than entrusted to a company
as for the new concept of digital RMB, commercial banks should treat it with an open and inclusive attitude because digital RMB can be said to be the general trend in the future, if it can be well incorporated into the digital RMB business, it can also promote the development of commercial banks themselves
In addition, the transaction efficiency of digital currency is higher than that of current public use, and it can be used in some areas without Internet coverage, which is very convenient if digital RMB can be promoted, it will be a great change for payment. The promotion of digital RMB is also very important for preventing corruption and purifying social atmosphere. Its process is very transparent, you can see the direction of funds at a glance, but also for many officials want to corruption, bribery provides inconvenience, can create a clean political environment. Moreover, digital RMB also plays a very big driving force for the internationalization of RMB in China, which can promote cross-border payment and promote the development of China's foreign trade economy. At the same time, digital RMB also has some disadvantages, such as increasing the use cost of users and strengthening the central bank's control over currency and intervention in the market. Many people are also very worried about the concerns about personal privacy and property security of digital RMB, so the relevant person in charge said that all this should be carried out in an orderly way