Free download of Chinese digital currency
China does not issue digital currency, and all the existing digital currencies are illegal
the central bank pointed out that no legal digital currency has been issued, and no institutions and enterprises have been authorized to issue legal digital currency. At present, the so-called "digital currency" in the market is not legal digital currency
virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. This kind of virtual currency is mainly limited to circulation in a specific virtual environment. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency
"the legal currency of our country is RMB." In the risk warning, the monetary Bureau of the people's Bank of China once again stressed that RMB is uniformly printed and issued by the people's Bank of China
extended information:
with the soaring price of virtual currency represented by bitcoin, digital currency and the blockchain technology behind it have attracted great attention of the global financial community. In fact, legal digital currency has not yet been issued in China. Recently, the official website of the monetary Bureau of the people's Bank of China (PBOC) released the risk warning on issuing or promoting digital currency in the name of the people's Bank of China
in 2013, the central bank, together with five ministries and commissions, issued the notice on prevention of bitcoin risks, which clearly defined non legal digital currencies such as bitcoin as virtual commodities, which do not exist in the form of currency and legal currency
At the same time, digital money is different from electronic payment. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence. Before digital currency, the financial instry has been highly informationizedsuch as Internet banking, WeChat, Alipay and other payment electronic popularization graally, physical cash accounts for only a very small part of all circulating currencies. In spite of this, because the money used in the transaction comes from the bank account, it actually corresponds to the banknotes
currently, digital currency in the market involves multi-level marketing
digital currency is a new technology that can improve the efficiency of transaction, but it is targeted by lawless elements to carry out pyramid selling and fraud in its name
the official website of the monetary Bureau of the people's Bank of China issued the risk warning on issuing or promoting digital currency in the name of the people's Bank of China. The central bank pointed out that recently, indivial enterprises falsely used the name of our bank to label relevant digital procts as "authorized issuance by the people's Bank of China", or falsely claimed that the digital currency promotion team of the central bank issued, in an attempt to deceive the public and take the opportunity to make huge profits
in the risk warning, the central bank stressed that the bank has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency
at the same time, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud. The general public should raise their risk awareness, invest rationally and prudently, and prevent the interests from being damaged
according to the news on August 10, Mu Changchun, deputy director general of the payment and Settlement Department of the people's Bank of China, said at the third China finance forum that the central bank's digital currency will soon be launched and will adopt a two-tier operation system, that is, the people's Bank of China will be the upper tier and commercial institutions will be the second tier< As for why the central bank's digital currency chooses the "two-tier operation system", Mu Changchun explained:
1. The central bank's digital currency is bound to face the retail scene and the public, while the performance of bitcoin and Libra can not meet the high concurrency. After a period of research, it is decided to adopt the two-tier system
2. It is a complex system engineering for big countries to issue central bank digital currency
3. The IT infrastructure application and service system of commercial banks and other institutions have been relatively mature, the user base is huge, and the service habit has been formed; There are plenty of talents and it experts; The system has strong processing ability, and has accumulated some experience in the application of financial technology
4. Through the design of two-tier operation, risk can be avoided to concentrate on a single indivial
5. Single layer investment will lead to "financial disintermediation". If the central bank directly releases digital money to the public, it will crowd out the deposits of commercial banks and affect the loan delivery ability of commercial banks; In extreme cases, it will also subvert the existing financial system, leading to the "grand unification" of the central bank
6; It will not affect the existing monetary policy transmission mechanism
7. The central bank will not preset the technology route, any advanced technology may be used in the research and development of the central bank's digital currency; The boundary between electronic payment and central bank digital currency is fuzzy; It can fully mobilize market forces and realize system optimization through competition
it can be seen that the central bank has recognized the legitimacy of bitcoin and Ethernet in disguised form. However, the central bank's digital currency is different from the traditional blockchain digital currency. It is 1:1 anchored RMB. I regard it as RMB digitization. The central bank's digital currency, paper money, coins and bonds exist at the same time, but in different ways. It is a kind of stable currency, and there is no room for speculation
at the beginning of this year, the most influential event of digital currency is Facebook's upcoming launch of digital currency Libra. If successful, it will bring 3 billion Facebook users into digital currency. However, Libra has not included the RMB in its basket of currencies. Coupled with the sweater war and exchange rate war with the United States, this may be the reason why the central bank urgently launched the central bank's digital currency. It is said that Wal Mart will also launch digital currency. With JPMorgan's issuing currency before, it can be predicted that traditional business giants will enter the era of blockchain digital currency one after another
the issuance of digital currency by the central bank may be a great benefit to the users of China's currency circle. Due to some policy reasons, the users' access to the digital currency world is not very smooth, which is the problem of difficult access to money. The most common stable currency, usdt, does not seem to be very stable and over issued seriously. In addition, the attorney general's office in New York investigates TEDA and other reasons, There may be a risk of thunderstorm at any time. According to statistics, about 80% of the users who use usdt are Chinese users, while the United States uses USD directly, and a few will use usdt. If the central bank introces digital currency, it will greatly facilitate digital currency users
finally, the other role of the central bank's digital currency is cross-border trade settlement. If it is combined with Alipay and WeChat payment, it will compete abroad and compete with Libra internationally.
China exists, the Internet of things exists, the digital currency exists, and the central bank exists. However, the digital currency of the Internet of things does not exist. The central bank has not issued it, and there is no such authority.
The people's Bank of China has not issued digital currency for the time being, so there is no legal digital currency in China at present. At present, digital currency has not been recognized in China, let alone legal
at present, all kinds of digital currencies circulating in the market are basically on the edge of the law. China maintains a neutral attitude, but does not like speculation, which is also the basic attitude of the central bank{ RRRRR}
< H2 > development materialsdigital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English and the alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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when may day arrived, my grandmother asked me to pick cherries at her house. I was so happy that I pestered my father to go immediately. My father was so pestered that he finally agreed to my request. I wanted to fly to my grandmother's house immediately
after a while, we arrived at Grandma's house. I didn't even enter the house, so I went straight to the cherry tree. I looked up and saw that the cherry tree was covered with cherries. Cherries were as bright as crystal, some were red, some were orange, some were white, and some were light red. I didn't have time to take a close look. I picked a handful of cherry trees, washed them with water, and then threw them into my mouth. Suddenly, a fragrance with sour taste drilled into my heart. It was obvious that these cherries were not ripe. I saw that my father and mother picked two big red cherries and ate them so sweet. I was not convinced. I just wanted to pick them again. My father stopped me and said, "red cherries are ripe.". I went up the tree again and picked the big red ones as my father said. After a while, I picked a basket full of cherries, washed them with water and put them into my mouth. They were sweet and not sour at all. I gave them to my grandfather and grandmother. They all said, "Shangwen is so sweet!" My grandparents said it was sweet when they ate the cherries I picked. I thought: next year I'll come to pick cherries to eat
May 1 "Wu Jing, class 6, grade 3, Yantai No.2 Middle School, Zhifu District, Yantai City, Shandong Province. May 1 is labor day, the anniversary of the struggle for freedom of working people all over the world. It's a long-awaited holiday for our students. At the same time, it's another long holiday after the winter vacation. With such a long holiday, I can open my heart and enjoy myself Happily, free to send and control their own time and space
before "May 1" holiday, I discussed with mom and Dad, "May Day" for a long vacation, drove by Dad, went to Shanghai, Suzhou and Hangzhou, and went to Shanghai, Pudong, Yangpu, Dongpu bridge, Oriental Pearl, and "APPEC" site to see the new changes in Shanghai since the reform and opening up. Visit the site of the first National Congress of the Communist Party of China and other places in Shanghai to receive ecation on modern revolutionary history; Go to Huqiu, West Lake and other scenic spots in Suzhou to enjoy the beautiful natural scenery of the south of the Yangtze River; Take a walk in Hanshan Temple and Suzhou gardens to experience the beautiful artistic conception of "midnight bell to the passenger ship". In this way, on the one hand, you can relax your mood and relieve fatigue, on the other hand, you can increase your knowledge, broaden your vision and cultivate your sentiment
unfortunately, Dad had to go out for work ring the May Day holiday, but his original plan was "completely broken". I'm the only one left at home with my mother and daughter. Because I was "upset", it was more than seven o'clock, and the sun was shining, so I lazily dressed and had a good meal. Under my mother's repeated "encouragement", I came to Yantai Mountain with my mother
everyone says that the sea is broad-minded and magnanimous. It's true that if people go to the seaside for a walk and a look when they are "upset and have something unpleasant", the sea can contain everything. When we got to the seaside and saw the endless sea, we suddenly felt that Mao's mind was suddenly open, bright and relaxed, and our previous troubles were immediately washed away
the sea ring road by the sea is like a winding and unlating long dragon winding around the whole coastline. Although the sea ring road is much wider than before, it is still full of bustling, small groups and pairs of people. The roadside trees are green and the flowers and plants are prosperous. It's a feast for the eyes and a feast for the festival
the sky is blue and the sea is blue. The sea is beautiful with gulls flying, sails shuttling and blue waves
the golden beach on the beach seems to be covered with glittering gold from a distance. It's very comfortable to walk on it. My mother and I sang a little song hand in hand and walked leisurely on the soft beach by the sea. Smelling the tempting smell of the sea and the fresh air, we felt much more open and bright
when you look at the sea, it's as if water and sky are connected. There are some snow-white and light gray gulls flying on it, and there are clouds of the same color as gulls floating on it. The moist cool wind blows gently on the sea surface, and the waves roll up and down one by one, layer upon layer. From a distance, it looks like lines of egrets spreading their wings and flying; Like tens of thousands of galloping horses; It's like countless roaring and clawing dragons rushing toward the shore, crashing on the rocks, splashing waves one after another. From a distance, it's like thousands of pure white flowers
there are several speedboats on the sea, which are shuttling back and forth like lightning. The spray on the boat is splashing, which looks very dangerous and exciting. Listen to my mother, they went to Kongtong island for sightseeing. Kongtong island is only a few nautical miles away from Yantai Mountain. It is a natural "Island Park" with luxuriant trees and leaves, flowers and plants competing for glory, birds singing and flowers fragrant; Fishermen are simple, kind, bold and hospitable. They fish on the island. The fish and shrimps are cooked in the ground. They are fresh and delicious. It's very interesting for friends to get together. In particular, there are several uninhabited islands near Kongtong island. From a distance, some islands look like turtles, some like swans, some like reclining Buddhas, some like swans. So far, there are many touching and beautiful legends about these islands among the people
on the stone board on the bank, some people are chatting and laughing. There are also some pineapple bunches peddlers along the road. The peddlers can be heard everywhere. There are several cleaners on the beach who clean the beach with big brooms. I think that if people love and protect the environment like this from now on, Yantai city where we live will be more beautiful and will become the most suitable green home for human beings. I stand by the sea and look at the unlating sea foolishly. I have been intoxicated and attracted by the magnificent sea and the charming scenery around me. I have fallen in love with the boundless blue sea, and I am reluctant to part with it, as if I have an attachment
time flies so fast. Before I know it, my stomach is already making a big noise in the "five viscera Temple" at noon! It's really "beautiful scenery to eat". I was deeply intoxicated by the scenery in front of me. When I watched it, I forgot all the important "things" like eating. But where to eat? Another problem! I suddenly thought of "didi hamburger". When I was in school, I was too busy to enjoy the taste of "didi hamburger" because I had no time to study. Several times when I thought of the tempting fragrance, I was slandering and drooling. I asked my mother to take me to eat, my mother agreed, so we hitchhiked to the gate of "didi hamburger"
my mother and I ordered a lot of our favorite foods, such as French fries, cold drinks, eye-catching, fruit drinks, hamburger set meal and so on. My mother and I chose a window seat and began to taste our "delicious lunch"“ Mom, you eat! Look at this chicken leg. How delicious it is
"Mom doesn't eat, mom isn't hungry, you eat quickly, it's not delicious when it's cold!" All of a sudden, a tender and childish voice sounded in my ear, so I looked in the direction of the voice. It turned out that an innocent little girl who looked only six or seven years old was talking to her mother. Suddenly curiosity touched me, I looked carefully, only to see that they ordered less food than us, such as chicken legs, beef burgers, coke, French fries. The child's mother was staring at her own child. The child was so fragrant and energetic. My mother looked at the child's wolfing and smiling. That smile, looks more happy than eating, but also satisfied. After a while, the child was full, and the child left the chicken legs and chips on the table. The child stood up and patted the rice dregs on his body. "Mom, let's go."“ Wait a minute. " The mother picked up the chicken legs left by the child and chewed them carefully, The child asked in a childlike voice, "it's a pity to lose such an expensive thing." the words seemed to have a sense of inferiority and helplessness. Then, he quickly swept the people around the table with his eyes, and his face turned red. Seeing this scene, my heart was shocked. I finally understood that the mother was not rich because of her family's economic conditions. In order to let her children eat more, she would rather starve herself! I was moved by the mother's "love son" spirit
Yes, mothers all over the world are the same. It's their instinct to love their children. They would rather suffer by themselves than give their children more warmth and love as much as possible. A mother always treats her children selflessly, sincerely, willingly and unrequitedly. Seeing this, I finally understand the profound meaning of "the greatest love in the world is maternal love"! My mother saw that I was in a daze, and then woke me up. At this time, my face had unconsciously shed tears of emotion and emotion. After dinner, my mother and I went home. On the way home, I was still thinking about it
in the afternoon, my parents and I went to Tashan amusement city. We climbed the mountain to enjoy the scenery, took a model plane, played the swing, watched the acrobatic show, visited the zoo, took the slide, pressed the seesaw, and played many interesting projects
on May Day, I had a very full and fun time; Have a good time; Have a good time; It made me understand a lot of knowledge and truth that I didn't learn in books; Let me benefit a lot, deep feeling< The school has seven days off on May Day, so I can play easily<
today, it's sunny and cloudless, and I feel very comfortable with the warm spring breeze. My parents and I went to Century Park to play. It happened that there was an International Music Carnival, which was really a music festival
dad bought the tickets and we ran to the concert hall in a hurry. WOW! So many people! I quickly found a seat to sit down and enjoy the crisp and melodious classical music and the cheerful rhythm of rock. There were bursts of applause from time to time in the venue. When I heard the English version of "mice Love Rice", I couldn't help singing it in Chinese. I thought it was really interesting
the concert ended unconsciously, and I walked out of the venue, but the wonderful music lingered in my ears for a long time.