Digital cash currency
network virtual currency can be roughly divided into
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and using these to buy Herbs and equipment, but it can only be used in his own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community, the realization of game networking, virtual currency has a "financial market", players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third kind of virtual currency on the Internet, such as bitcoin (BTC), Wright currency (LTC), etc. bitcoin is an electronic currency proced by open-source P2P software. Some people also translate bitcoin as "bitcoin", which is a kind of network virtual currency. It is mainly used for Internet financial investment, and can also be directly used in daily life as a new currency.
1、 Different definitions:
1. Electronic currency:
refers to the currency paid by electronic means
2. Digital currency:
is a virtual currency based on node network and digital encryption algorithm
Electronic currency: Based on computer technology, it can be widely used in the fields of proction, exchange, distribution and consumption. It has many functions such as financial savings, credit and non cash settlement2. Digital currency:
e to some open algorithms, digital currency has no issuers, so no one or institution can control its issuance; Because the number of algorithm solutions is fixed, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency; Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
Third, the same point:the circulation mode of e-money and digital money is two-way circulation
extended data
e-money is the virtualization of the value scale of real money and the function of payment means. It is a kind of money without monetary entity. Electronic currency is an invisible currency based on highly developed electronic technology
the value of e-money is transferred from the consumer to the seller through the sales terminal, and then the seller redeems the money. The e-money held by the merchant is sent to the e-money issuer to redeem the money, or to the bank. The bank debits the corresponding amount on its account, and then the bank settles with the issuer through the clearing institution
electronic money can transfer money value directly among the holders. It does not require the intervention of third parties, such as banks. This is also the essential difference between electronic money and traditional cash card and transfer card. p>
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
extended data
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
ring the summer vacation, buses to the town center will leave the hall at half an hour every day. The canteen will provide three meals a day from 7 a.m. to 7 p.m. on weekdays and two meals from noon to 7 p.m. on weekends Students, you may have the wrong number about the canteen time in this place. Please check it yourself.) the library will keep the usual work and rest time ring the working days of each week, but the working hours on Saturdays and Sundays will be shortened. The weekend work and rest time is from noon to 5 p.m
all students who want to use the library borrowing service must have a new summer card
the notice will also be published in the student newspaper next week.
你好，我和你的情况一样不过我是开的工厂然后每天都要装车装很多编织袋一天要装10吨的货，之前都是请搬运工的工人工资很高，不过现在好了我已经买了一台可以折叠车载皮带输送机我给你发点视频你看一下
The prospect of digital cash is obviously very attractive, but there are always some difficulties in technology or practical application, which make it unable to be popularized in a large area in a short time. At present, digital cash can be issued by indivials or businesses across national boundaries and away from the banking network, which will seriously infringe a country's currency issuing sovereignty and the integrity of currency formulation. Assuming that digital cash is widely used without central bank regulation, the role of money will decline; If the relevant loans are not subject to the minimum reserve requirements of banks, the scale of new credit may also expand; At the same time, if digital cash flows into a country too much, it will rece or even fail the activity space of macro monetary control mechanism, which will greatly impact the money market of a country
for consumers using digital cash, there should be corresponding legal provisions to protect them, to ensure that they are not easy to be cheated, defrauded or wrongly implicated in a fraulent transaction, and they should be protected from eavesdroppers and forgers
the other is that law enforcement officers are worried that if anonymous digital cash is widely used, it may greatly hinder them from dealing with such issues as money laundering, drug smuggling and terrorism. They are also worried that a large number of digital cash will be transferred through the Internet, which will make the transfer channels more complicated. In addition, digital tax evasion is a serious problem
in order to ensure financial and social stability, the state should formulate corresponding laws and policies to prevent these problems, such as the combination of digital cash and the current settlement system, but the corresponding legislation is still in the research stage, which is one of the main reasons why digital cash has not been popularized. Because of the characteristics of digital cash, digital cash should not be reused. Although it is stored in computer system and smart card, it can not be reused by users; On the other hand, digital cash should be fast and effective in use; More importantly, the system using digital cash must enable users to have confidence in the use process, and be sure that the system can be used normally no matter how the system accessories fail or how the system is carried
in terms of security, digital cash should be difficult to forge or counterfeit, including preventing or identifying replication mechanisms
although there are some difficulties in law and technology, in the long run, e to the progress of science and technology, digital cash is the inevitable trend of monetary development
(1) anti overwinding device: when the lifting container exceeds the normal terminal stop position (or the platform) by 0.5m, it must be able to automatically cut off power and make the safety brake have braking effect< (2) to prevent this device: when the lifting speed exceeds 15% of the maximum speed, it must be able to automatically cut off the power and make the safety idle work< (3) overload and undervoltage protection devices
(4) speed limiting device: the speed limiting device must be installed for the lifting winch whose lifting speed exceeds 3m / s to ensure that the speed of the lifting container (or counterweight) when it reaches the terminal position does not exceed 2m / s. If the speed limiting device is cam plate, its rotation angle in one lifting stroke shall not be less than 270 °< (5) depth indicator failure protection device: when the indicator fails, it can automatically power off and make the safety switch work< (6) gap protection device: when the gap exceeds the specified value, it can automatically alarm or cut off power< (7) rope loosening protection device: the winding hoist must be equipped with rope loosening protection device and connected with safety circuit and alarm circuit, which can automatically cut off power and alarm when the wire rope is loose. When the skip is lifted, it is strictly forbidden to receive coal from the coal bunker after the loose rope protection device acts< (8) full bin protection device: when the skip lifting wellhead coal bunker is full, it can alarm and automatically power off< (9) deceleration protection device: when the lifting container (or counterweight) reaches the designed deceleration position, it can give an alarm and start deceleration
the anti overwinding device, the anti overwinding device, the speed limiting device and the deceleration protection device should be set as independent two-wire type
the winding hoist of vertical shaft and inclined shaft should be equipped with setting device.