Digital currency industry agriculture China Construction
so, what's the significance of this digital currency? Why do you have to work hard to do this? For most people, it really won't have any impact, but for a small number of people, it will have a great impact. This small group of people are those who engage in illegal activities
for example, if some people are corrupt and accept bribes, they specify that they can't let others put money on the bank card. That means they are directly arrested, but they can't be found with cash. If we restrict the large amount of cash consumption in the future, for example, if you have to spend more than 5000 at one time, you can't use cash, you need to use digital currency. In this way, those who have bribed tens of millions of cash in their families may not want to spend all their money in their lifetime. And their illegal income doesn't go to the society. It's just paper. They still occupy space at home. Once they start to spend money in digital currency, it's easy to find out. That is to say, all our income will be counted. Once they are involved in crimes, it's easy to be caught. At that time, there will be less Telecom fraud, This is the meaning of digital currency
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
In the official letter of Xiangcheng District of Suzhou, enterprises, institutions and management committees of Xiangcheng District are required to sign a digital currency agreement with the wage paying bank, install digital wallets for all staff (except retirees), and pay 50% of the monthly salary in the form of digital currency
this is the first practical application of the central bank's digital currency since the R & D news, which is a historical moment worth remembering
let's review the development of DCEP:
in 2014, the central bank set up a special research group on legal digital currency
in 2016, it set up a digital currency Research Institute on the basis of the original group
in June 2018, it set up Shenzhen Financial Technology Co., Ltd.
in August 2019, the central government issued a document to carry out digital currency research and mobile payment pilot in Shenzhen
on October 29, 2019, At the "2019 Bund financial summit", Huang Qifan, vice president of China Center for international economic exchange, said: "the digital currency DCEP launched by the Central Bank of China is a new crypto electronic currency system based on blockchain technology." This is the debut of DCEP
On April 3, 2020, in the "national teleconference on money, gold, silver and security work", the central bank said that it would "unswervingly promote the research and development of legal digital currency" On April 10, Zhou Xuedong, director of the general office of the people's Bank of China, pointed out at the "first quarter financial statistics press conference" that "with regard to digital currency, the people's Bank of China is advancing in an orderly manner according to the original plan."on April 14, the central bank's digital currency DCEP took the lead in the internal test of ABC
on April 16, Xiangcheng District of Suzhou realized the implementation of the first application scenario of central bank's digital currency DCEP, using "digital wallet" as the payment channel and issuing it in the form of transportation subsidies
judging from various actions, the central bank's plan for digital currency is well prepared and in an orderly and continuous progress
why DCEP
from the national level, it is well known that the macroeconomic regulation and control means of sovereign countries are mainly through monetary policy and fiscal policy, just like the current global lack of liquidity e to the epidemic, China's economy is stimulated by interest rate rection and government spending, but the funds are transmitted layer by layer, and there are few funds really used for the target range
if we use the central bank's digital currency system, we can analyze and track a large number of transactions, and use the most direct and efficient means to put funds where they need, so as to release liquidity and benefit the people
from the international level,
the use of blockchain technology can realize the review of national credit and increase the credit of the country's monetary system. With the increase of GNP, credit must also increase, and the process of RMB internationalization will be more rapid
this is very simple to understand. Blockchain technology makes it impossible for asset certificates to be forged and makes credit verifiable, which is naturally concive to RMB internationalization
Last year, the World Bank Group and the International Monetary Fund (IMF) issued a report that up to now, nearly 70% of the central banks are studying the digital currency of the central bank, which also shows that the digital wave is the general trend. At present, the central bank's digital currency DCEP is likely to be used on a large scale ahead of other countries in the world, and the era of digital currency is comingthe era of digital economy is getting closer and closer
today's era is a digital era. With the comprehensive rise of technological innovation and digital economy, science and technology has changed from the initial role of a tool to the backbone of financial reform. The continuous collision and integration of digital five complete genes (whole airspace, whole process, whole scene, full analysis, and full value) and financial instry not only changes the settlement and settlement methods and sovereign currency issuance mechanism among indivials, enterprises, and countries, but also greatly improves the operation efficiency of instrial chain, and brings the development of the whole economic society and human progress
if blockchain technology will "genetically transform" all walks of life, then digital currency will "genetically transform" the financial instry. Looking forward to the future, the in-depth integration and transformation of traditional instries by blockchain, artificial intelligence, cloud computing, Internet of things and other technologies will lead us into a new era of digital economy
in short, the era of digital economy is getting closer and closer to us
the implementation of the central bank's digital currency is bound to bring disruptive changes to the existing financial market and breed huge wealth opportunities. The future has come, the wind has come, keep up with the pace of the instry, accurately grasp the future trend, and quickly seize the blue ocean of wealth business
first of all, establish a correct sense of financial management
in financial management, we must understand our own risk preference. To put it bluntly, we must figure out whether we can accept the loss of principal, and if so, how much we can accept the loss. Because financial management is investment, investment has risks, yu'ebao is no exception. Don't expect to get rich overnight. Only a few people can make a lot of money through financial management. Financial management is icing on the cake, not salted fish
stocks, Xiao is not recommended to buy stocks directly, because the risk is high, and the stock has requirements on the scale of capital, so it is not recommended to buy a stock, at least 100 shares. If you really want to buy it, try to buy some bank shares on a regular basis. Any of the five major banks that have established diplomatic relations between workers and peasants will do. 500 yuan is enough to buy 100 shares. Futures, Xiao is not recommended to try. The risk is high. Bitcoin and digital currency, most of them are mostly bubbles. Online loan P2P platform, starting from 1 yuan or 100 yuan, has experienced a boom in 2018, and the instry is still recuperating in 2019. If you want to invest, it is safe to invest only in the top ten platforms in the instry, such as lufax, Renren loan, Yiren loan, Xiaoying financial management, etc