Library 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
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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
as you all know, Facebook officially released the Libra white paper in June last year. Libra's value is described as linked to a basket of fiat currencies and other assets. According to two sources familiar with Libra's progress, the Libra association is considering whether it should abandon the proposed "basket of legal currencies + other assets" model and adopt the "pure US dollar" support model instead
Kristin Smith, head of blockchain Association, which promotes blockchain technology, said in a telephone interview: "I think this is a welcome change. The main concern of lawmakers about Libra is that Libra may weaken the status of the US dollar, so if Libra really turns to be supported only by the US dollar, a lot of worries can be solved. "
If Libra turns into a stable currency supported only by US dollars, in Xiaobian's view, it will really benefit him a lot in the way of issuing currency. If we don't make changes, Libra will go even harder.
I think this is just a good idea. I personally feel that Libra should not be able to compete with Alipay and WeChat for a period of time. p>
although Libra will cooperate with many other wallets in the global payment network, we still need to pay attention to the background, national conditions, user habits and so on. Therefore, under China's financial and legal system, it is almost impossible for Libra to compete with the two domestic payment giants
Digital currency can be understood as the digitalization of RMB, which has two obvious advantages: "no account payment" and "no network payment". After Facebook launched Libra this year, the central bank's digital currency has also stepped in. We see both challenges and opportunities
in a word, digital currency is still RMB in fact, but some changes have taken place in its form. We say that digital currency is of great significance. It not only enhances the security and controllability, but also makes counterfeit currency "invisible". In addition, the issuance of the central bank's digital currency is also concive to the central bank's more convenient and transparent management
According to the white paper, the global borderless Libra coin has three cores: blockchain based, real asset guarantee and independent association governance. In other words, Libra coin is a "stable currency" guaranteed by the real asset reserve. Each Libra coin will have a basket of currencies or assets of corresponding value for trust endorsement, which is supervised by the founding members of Libra coin Association, and each founding member is responsible for running a verifier node. Facebook believes that there are still 1.7 billion alts in the world who are not exposed to the financial system and cannot enjoy formal financial services, and the current financial transaction costs are too high, so this pattern needs to be broken. According to its assumption, Libra is a stable currency and a super sovereign digital currency. By issuing "Libra coin", we will explore the establishment of a simple, borderless currency and financial infrastructure for billions of people
Libra is linked to a basket of currency deposits or government bonds, and it is more in line with the public's habitual thinking that it is linked to cryptocurrencies without any asset support, such as bitcoin. Therefore, the listing of Libra currency will inevitably have an impact on the online digital currency. Some of the funds were diverted to Libra
however, the impact on real money is very limited, because the right to issue digital money will inevitably be concentrated in the hands of central banks, and private companies will not be allowed to be involved in this field.
When it comes to digital currency, your first reaction may be bitcoin or Libra, which Facebook plans to launch
from the perspective of usage scenarios, the central bank's digital currency does not pay interest, and can be used in small, retail and high-frequency business scenarios, which is no different from paper money. At the same time, the use should comply with all the existing regulations on cash management, anti money laundering and anti-terrorism financing
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