Which industries will be affected by the central bank's digit
If it is legal tender, then it has no effect. For example, the non legal tender issued by the central bank is regarded as a financial asset. It has little impact on the tax system
it has a subversive potential impact on accounting practice. Those who try to cheat on tax should be careful. In theory, you can analyze those evasive behaviors that you have done at almost zero cost
if digital currency is widely accepted and can play the role of currency, it will weaken the effectiveness of monetary policy and bring difficulties to policy-making. Because digital currency issuers are usually unregulated third parties, money is created outside the banking system, and the amount of circulation depends entirely on the wishes of the issuers. As a result, the money supply is unstable. In addition, the authorities are unable to monitor the issuance and circulation of digital currency, which leads to the inability to accurately judge the economic operation and brings trouble to policy-making, At the same time, it will weaken the effectiveness of policy transmission and implementation
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various bill market businesses based on commercial bills are growing rapidly, and bill financing procts have become a hot field of Internet financing. However, about 70% of the current domestic bill business is still paper transactions, and supply chain finance also relies heavily on labor costs
in the future, if we realize the digital monetization of bills and adopt the blockchain transaction, we will make the bills, funds, financial planning and other related information more transparent. With the help of intelligent contract, we can generate an unforgeable, open and unique electronic contract between the borrower and the borrower, and directly realize the point-to-point value transfer, without the need for specific physical bills or central system for control and verification, It can prevent selling more than one vote, track the flow of funds in time, protect the rights of investors and rece the cost of regulators
what benefits most from this is the domestic currency circle. In 2017, digital currency and related fund-raising activities were banned in China, which is quite negative in the eyes of ordinary people. In fact, the central bank's initiative to explore into cryptocurrency is the recognition of the core concept of digital currency. With this incentive, domestic enterprises will actively enter the instry and inject fresh blood into the instry, which is the most important
about this, you can see the reports of blockchain media, such as golden finance, coin easy to know column, chain news and so on.
To guard against the possible risks brought by bitcoin, we know that digital currency represented by bitcoin has high risks. This kind of risk is mainly reflected in two aspects: first, the limitation of digital currency makes it used as investment goods, and the price is extremely unstable. Those who do not understand the principle of digital currency and pay too much attention to speculation are easy to suffer losses for various reasons
Secondly, national digital currency is linked to its own legal currency to a certain extent, so it effectively avoids the price volatility of bitcoin. Because the CBDC issued by our country is guaranteed by the credit of the central bank, it must be a stable currency. In today's international situation, the research and development of digital currency in China is of great significance. The introction of digital currency is not an expedient measure, it has become the development direction of China's future currencyThe central bank's digital RMB has legal compensation, Digital RMB does not pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money, and it is very convenient to use. according to relevant instry insiders, the use of digital currency does not need the Internet, and it can be said to be simple and convenient with a mobile phone, The cost is low
is there any security guarantee? In fact, the central bank's digital RMB has the nature of legal compensation. Digital RMB does not calculate and pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money. Moreover, because of the nature of legal compensation, we can't refuse to accept the central bank's digital RMB. Moreover, the digital currency Research Institute of the people's Bank of China says that it can realize the circulation of digital currency between different clients in the transaction process by means of technical solutions, generating new digital currency and canceling old digital currency. After being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that the digital currency will be released soon
China, as a global mobile payment power, Alipay and WeChat have long been a national payment method. It is almost no need to carry a wallet now. Shopping just sweeps away, does not need purse, do not change, really feel the convenience, and whether it is Alipay or WeChat payment, the experience is very good. p> The DCEP, which will be launched by the central bank at the end of this year, indicates that the replacement of paper money is inevitable. So, will WeChat and Alipay be terminated? What's the difference between them
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you can imagine such a scene: as long as you and I have DCEP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has power, two mobile phones touch each other, and we can transfer the digital currency in one person's digital wallet to another person
four, WeChat and Alipay must first bind the bank card, then pay the with Alipay or WeChat payment code. DCEP doesn't need to be bound to a bank account. The transfer between users is independent of the bank account. This is the same as bitcoin and other digital currencies. As long as you have a digital wallet of DCEP, you can scan the code to pay
in fact, DCEP and WeChat pay, Alipay is very similar in the payment scenario, and the experience is expected to be very similar in the future. In the future, as long as electronic payment can be used, there will be digital payment ports of the central bank
so, for the common people, with DCEP, you just have a more payment method, as if mobile payment had Alipay first, and you could also pay WeChat. Use whatever is convenient. However, the emergence of digital money will also be a part of WeChat's payments and Alipay's share of 90%+, which now occupies the mobile payment market share. p>