Currency upgrade digital currency is coming
Nowadays, with the development of the Internet age, the era of digital currency is coming. Digital currency obviously provides convenience for people's life, and there are many advantages. However, digital currency has no advantages of real currency and no interest{ RRRRR}
Third, digital currency has no interestbut the promotion of digital currency also has certain obstacles, for example, our payment platform today, and these mobile payment also need network, once the network problems, then even can not complete the payment. However, digital currency is different, not only does it need no network, but also will not be limited by time and space, and even does not need handling charges< it's just that digital currency has no interest of real currency, which is also the case that many people are reluctant to use digital currency
Digital currency is just a trend and a challenge. The main feature of central bank digital currency is that it is legal tender issued by the central bank and has the same function as RMB on paper money. In fact, the central bank's digital currency is first exchanged by the central bank to banks or other operating institutions, and then by these institutions to the public, In terms of strengthening the function of global resource allocation, this is to continue to promote the expansion of the financial instry, open to the outside world, continue to gather a number of functional and headquarters institutions, and promote the development of the financial instry
Users who promote trade innovation and development, vigorously develop new business models and offshore trade 
online payment methods are relatively sticky, although people can tolerate new things, digital currency should not proce e-money payment in the short term; Impact & quot Looking forward to the long-term future, the implementation of digital currency can play a positive role in tracking abnormal transactions or exploring financial risks. The transaction data generated by digital currency is likely to be incorporated into the personal customer data system. Financial institutions can use big data analysis to accurately outline customer profiles and further tap customer value, The precipitation of these data can also provide the government with effective decision-making basis, realize the wise government and improve work efficiency
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2013-4-29 上午 11:35:10x禽
淡淡的胖次
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the labor procts collected on the ground must not be counted, but must be processed.
the self-sufficient ones must not be counted, and they must be exchanged. For example, the cloth proced by men and women in ancient times was used by themselves. Therefore, it is not a virtual currency.
virtual currency originally refers to unreal currency, which is used in games,
virtual money in computer games will also have its real value. For example, if a player buys his account from another player, he can get all the virtual assets of that player, and then it will be much easier for the player to continue playing. If the game allows players to transfer virtual property, players can buy and sell game props and pay in real currency. If the game props are priced by virtual currency in the game, then the exchange rate between real currency and virtual currency is established
so its value comes.
the value in textbooks is different from the value mentioned above. Value is a kind of social labor result condensed in procts, You should have learned that the amount of value is determined by the social necessary labor time.
the so-called price is just a form of monetary expression of value...
the value in textbooks is a kind of physical value. How can I tell you?
take the stock market for example, some people make money, so can you say that the stock market creates value? No, he doesn't create, he just redistributes wealth...
let's take the use value as an example, remember its definition
the utility of goods that can meet people's needs
is it goods, is virtual currency goods? The so-called goods are made up of atoms...
besides value, the so-called value is that value appears with the emergence of human beings and is defined by human subjective consciousness. Value is a kind of surreal norm or ideal, It's God's creation. Whether a thing has value or not depends on the logic of the concept system, which is a surreal, ideal state, or God given
value comes from nature, and develops with human evolution and social development. The ultimate origin of value can only be the moving
material world and the working human society. The virtual currency belongs to a part of human society... So it is valuable, but from the perspective of textbooks, it is far fetched
What are the basic requirements of money? In line with the financial needs, the current financial model is inflation, and money needs to be issued to meet the financial needs. At present, the biggest problem of digital currency is that it does not have the function of additional issuance. The technology is that the total amount has an upper limit, and no additional issuance is allowed. The use value of money is circulation, not appreciation. Therefore, digital currency has no monetary value, and it is not money at all, It's a commodity at best
What if digital currency can achieve long-term or permanent effect of additional issuance through technological progress to meet the needs of financial inflation? It's impossible
if it's mining mode, anyone can dig. Since money can be g out, then whoever still works will lose motivation in finance, so it's impossible
if it's a direct, inclusive delivery, then everyone can get it, so there's no need to make money, and finance has lost its motivation, and it's impossible
therefore, as far as the current financial needs are concerned, digital currency is not competent
of course, some people say that in fact, digital currency is built on the premise of social labor surplus, everyone has a good life, and digital currency is an additional reward. If you believe me, I have nothing to say.
With the continuous development of Internet and computer technology, whether it is the third-party payment or automatic settlement function, it has brought great convenience to people's life. Recently, another good news is that the era of digital currency is coming. Major banks have successively joined the digital currency pilot work of the central bank. The good news of digital currency appears frequently. The digital currency wallet launched by CCB app is currently being tested, which is one step closer to the official use of digital RMB