Paper money and digital currency are equivalent
1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious
Digital RMB is different from paper money, but now digital RMB is graally in everyone's view. Before that, we used paper money. When we got the paper money in our hands, we would feel that money is real. But now, many people don't have this concept of money, and it is because of this that the lives of young people are affected
With the progress of the times and the development of society, people's life has changed a lot. In the past, our money is basically paper money, especially when we pay wages, with a thick pile of money in our hands, we are very excited. And when we use it, we are also careful. When we watch the money decrease one by one, we feel that our life can't continue after the money is used up. Therefore, many people are very careful in their life. But now the digital RMB has replaced the paper currency RMB. As long as people have a mobile phone, they will walk around the world, and they don't need to carry the paper currency Therefore, we must know how to make rational use of money, whether it's money in front of numbers or paper money. Only in this way can our life become betterthe functions and properties of digital currency are exactly the same as paper money, but its form is digital Mu Changchun, director of the digital currency Research Institute of the central bank, said that the central bank's digital currency is a digital alternative to paper money, that is, digital currency and electronic payment tools. If we regard the digital currency issued by the central bank as digital RMB cash, we can understand the concept of digital currency very well
Mu Changchun once described such a use scenario: as long as you and I have DC / EP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has electricity and two mobile phones touch each other, we can transfer the digital currency in one person's digital wallet to another person. Digital money does not need to bind any bank account when it is paid, unlike WeChat and Alipay bank. p>
fan Yifei, vice governor of the central bank, said that the central bank's digital currency focuses on replacing M0 (i.e. banknotes and coins), and maintains the properties and main features of cash, which meets the needs of portability and anonymity, and will be the best tool to replace cash
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extended materials
Digital RMB will be carried out in Beijing, Tianjin and Hebei and other places
the notice on printing and distributing the overall plan for comprehensively deepening the innovation and development of service trade was released on the official website of the Ministry of Commerce on the 14th, which announced the pilot areas of digital RMB
the reporter noted that Article 93 "comprehensively deepen the pilot tasks, specific measures and division of responsibilities for innovative development of trade in services" proposes to carry out digital RMB pilot projects in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China
according to the notice, the people's Bank of China has formulated policy safeguard measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate
the pilot areas for comprehensive deepening are Beijing, Tianjin, Shanghai, Chongqing (21 municipal districts including Fuling District), Hainan, Dalian, Xiamen, Qing, Shenzhen, Shijiazhuang, Changchun, Harbin, Nanjing, Hangzhou, Hefei, Jinan, Wuhan, Guangzhou, Cheng, Guiyang, Kunming, Xi'an, Urumqi, Suzhou, Weihai, xiong'an New District of Hebei, Gui'an New District of Guizhou Shaanxi Xixian new area and other 28 provinces and cities (regions)
in July 2015, one yuan fund obtained the registration certificate of private equity fund manager issued by China Securities Investment Fund Instry Association, registration number: p1017159. It is a legal and compliant management company engaged in private equity investment
if one yuan fund refers to digital currency, it should be cautious. It may only be under the guise of digital currency. The real digital currency is cryptocurrency with a good application scenario planning, such as bitcoin, Ruitai coin, Laite coin, Qianjin card, etc.