Central bank digital currency Research Institute
Publish: 2021-05-02 14:15:44
1. Yao Qian, head of the preparatory group of the digital currency Research Institute of the central bank, said that the digital currency issued by the central bank is mainly to replace physical cash, rece the cost of issuance and circulation of traditional paper money, and improve the convenience and transparency of economic transactions
Huang Zhen, director of the Institute of financial law of Central University of Finance and economics, said that digital currency mainly refers to the form of currency and will not cause currency shrinkage. The issuing scale of money is still controlled by the central bank, while the issue of paper money or digital money is just a change of form< In addition, Huang Zhen mentioned that the issue of digital currency is still in the stage of discussion, which is an innovative mechanism of currency value symbol, and many problems are still under study. However, in practice, people are more and more inclined to use e-banking and e-payment rather than carrying notes. Under this trend, the number of banknotes in circulation in the future may decrease
the central bank's issuing of digital currency is still inspired by encrypted digital currencies such as bitcoin and lettercoin, and so is the token of European crowdfunding platform. The digital currency issued by the central bank has monetary attributes, while the token of European crowdfunding platform can only be a kind of asset certificate, a niche proct.
Huang Zhen, director of the Institute of financial law of Central University of Finance and economics, said that digital currency mainly refers to the form of currency and will not cause currency shrinkage. The issuing scale of money is still controlled by the central bank, while the issue of paper money or digital money is just a change of form< In addition, Huang Zhen mentioned that the issue of digital currency is still in the stage of discussion, which is an innovative mechanism of currency value symbol, and many problems are still under study. However, in practice, people are more and more inclined to use e-banking and e-payment rather than carrying notes. Under this trend, the number of banknotes in circulation in the future may decrease
the central bank's issuing of digital currency is still inspired by encrypted digital currencies such as bitcoin and lettercoin, and so is the token of European crowdfunding platform. The digital currency issued by the central bank has monetary attributes, while the token of European crowdfunding platform can only be a kind of asset certificate, a niche proct.
2.
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
3. Yao Qian, director of the digital currency Research Institute of the people's Bank of China, told the media: "the central bank issues legal digital currency
4. First of all, digital currency is not officially popular for the time being. Personal daily consumption is mostly through cash consumption. At the same time, personal payment through software is also a kind of similar digital currency.
5.
On July 8, the digital currency Research Institute of the people's Bank of China formally reached a strategic cooperation agreement with didi travel to jointly study and explore the scene innovation and application of digital RMB in the field of intelligent travel. The two sides hope to promote the platform ecological construction of digital RMB in diversified travel scenarios through the establishment of cooperative relationship
didi travel said that under the guidance of relevant departments, it will cooperate with the digital currency Research Institute to strictly implement the guidelines put forward by the Party Central Committee and the State Council to improve the ability of financial services to the real economy, and promote the integrated development of the digital economy and the real economy
this article comes from the author of car home, which does not represent the standpoint of car home
6. The common questions of MBA interview in advance usually focus on personal basic information, career planning (motivation of applying for MBA), instry situation, management knowledge and current political hot topics to investigate candidates' ecation and career background. The following is in accordance with these major topics, to give some common questions as a reference< Please take three minutes to introce yourself
2. Why do you want to study MBA
3. Why do you want to apply for this school
5. What is your greatest achievement in your past work experience
6. What are your career goals
9. Which factors will determine your choice
10. What is your major? Why choose this major
12. Now, are you lucky to choose this major
13. If you could make a new choice, which major would you choose
14. What is your best subject? Why
15. Which course are you least good at? Why
16. In what way has your ecation laid the foundation for your career so far
17. What extracurricular activities did you take part in in University, what position did you hold and what contribution did you make
18. What are your direct responsibilities and who are your leaders
19. What are the key technical problems in your work? What about management
20. What do you do best in your job? What are the shortcomings? Why
21. How can you improve your performance? What specific actions will you take in the process of improvement
22. What are your main achievements? How do these achievements affect your income or other aspects
23. Did you achieve these achievements independently, or did others participate? How did you participate
24. How many hours do you work per week
25. What are your most outstanding professional skills
26. What do you like or dislike most about your current position? Why
27. Have you ever made a decision? Is your decision successful? Why
28. Please give an example to illustrate your innovative spirit
29. What is your biggest challenge? How do you face these challenges
31. Describe your relationship with your boss. What is he most satisfied with and least satisfied with your performance
32. Describe a failure in your work. How do you face failure
33. Are you satisfied with your present job? Why
34. What do you think is the key to success in your current job? Why
35. What is your ideal job
36. What are your career goals? How do you guarantee it
37. Describe the organization and management of your department
38. How do you make important decisions with limited facts
39. What is your management style? What aspects do you think need to be improved
40. How do you organize and participate in team work
41. What personal qualities do you think are most important for a good manager
42. Do you like to set a slightly higher goal than you can actually achieve or a very high goal
43. How do you tap the potential of your subordinates
44. How tight is your supervision of subordinates? How much freedom do you allow them to have
instry situation
1. What is the development direction of your instry in the next five years
2. Do you think some emerging technologies will challenge your instry and position
3. Do you consider changing instries after MBA< In your opinion, which side of the economy will be more affected by the Sino US trade war
2. How much impact do you think the Sino US trade war will have on the daily lives of Chinese and American citizens
3. Can you talk about the global hot news or trends that you have followed recently
4. What do you think is the biggest impact of blockchain on us
5. What is the greatest impact of artificial intelligence on us
reference: hzmba
2. Why do you want to study MBA
3. Why do you want to apply for this school
5. What is your greatest achievement in your past work experience
6. What are your career goals
9. Which factors will determine your choice
10. What is your major? Why choose this major
12. Now, are you lucky to choose this major
13. If you could make a new choice, which major would you choose
14. What is your best subject? Why
15. Which course are you least good at? Why
16. In what way has your ecation laid the foundation for your career so far
17. What extracurricular activities did you take part in in University, what position did you hold and what contribution did you make
18. What are your direct responsibilities and who are your leaders
19. What are the key technical problems in your work? What about management
20. What do you do best in your job? What are the shortcomings? Why
21. How can you improve your performance? What specific actions will you take in the process of improvement
22. What are your main achievements? How do these achievements affect your income or other aspects
23. Did you achieve these achievements independently, or did others participate? How did you participate
24. How many hours do you work per week
25. What are your most outstanding professional skills
26. What do you like or dislike most about your current position? Why
27. Have you ever made a decision? Is your decision successful? Why
28. Please give an example to illustrate your innovative spirit
29. What is your biggest challenge? How do you face these challenges
31. Describe your relationship with your boss. What is he most satisfied with and least satisfied with your performance
32. Describe a failure in your work. How do you face failure
33. Are you satisfied with your present job? Why
34. What do you think is the key to success in your current job? Why
35. What is your ideal job
36. What are your career goals? How do you guarantee it
37. Describe the organization and management of your department
38. How do you make important decisions with limited facts
39. What is your management style? What aspects do you think need to be improved
40. How do you organize and participate in team work
41. What personal qualities do you think are most important for a good manager
42. Do you like to set a slightly higher goal than you can actually achieve or a very high goal
43. How do you tap the potential of your subordinates
44. How tight is your supervision of subordinates? How much freedom do you allow them to have
instry situation
1. What is the development direction of your instry in the next five years
2. Do you think some emerging technologies will challenge your instry and position
3. Do you consider changing instries after MBA< In your opinion, which side of the economy will be more affected by the Sino US trade war
2. How much impact do you think the Sino US trade war will have on the daily lives of Chinese and American citizens
3. Can you talk about the global hot news or trends that you have followed recently
4. What do you think is the biggest impact of blockchain on us
5. What is the greatest impact of artificial intelligence on us
reference: hzmba
7. The people's Bank of China basically has these eight types of Posts:
1. Economic and Financial Post
Economic and Financial Post belongs to the relatively omnipotent post of the people's Bank of China, except for monetary and credit policy implementation and supervision, investigation and research, data analysis, instry report, credit business processing, treasury business, foreign exchange business, on-site inspection and off-site inspection, The staff of economic and financial posts in some branches will also participate in other work contents such as accounting, statistics, management, etc., and the specific requirements of the staff in the branches shall prevail
2. Accounting post
accounting generally has two departments, one is the accounting and financial department, which is responsible for financial management; The second is the accounting department, mainly the business office and the state treasury department. The work content of the accounting post is mainly responsible for the Treasury revenue and expenditure accounting business operation, currency issuance, such as the delivery and storage of RMB, etc; Operating payment system, fund transfer, account management, payment and settlement, inter-bank fund transactions, foreign exchange business, etc; Daily business and internal audit of PBC
3. Legal post
the main responsibilities of legal post are office legal management and comprehensive management, such as contracting the interpretation of financial laws and regulations according to law; Undertake the work of administrative reconsideration and administrative response, carry out financial legal consulting business, financial training, economic legal services related work, such as organizing financial legal ecation and publicity. At the same time, we should do a good job in the legal compliance and other routine work, such as drafting, reviewing the contract text, participating in the project negotiation and litigation and other legal affairs, legal research on digital currency and legal affairs of digital currency Research Institute
4. Computer post
Computer post is mainly engaged in the development, operation and maintenance of the business system of the people's Bank of China, performing the responsibilities of the central bank, and supervising the financial institutions within its jurisdiction in information security, financial IC card, Internet Finance and other aspects
there are four specific points as follows: first, be responsible for the operation and maintenance of the people's Bank of China's business system network and computer room, security technical support and guarantee, as well as the collection, summary and analysis of relevant information and data; Second. Engaged in financial instry big data analysis, software architecture design, software development, project management, system integration, network security, information security, national secret algorithm, security testing related work; Third, responsible for the legal digital currency related software system, encryption technology and security model, transaction terminal chip technology research and development; Fourth, operation and maintenance of payment and settlement system
5. Statistical post
statistical post generally requires economics and statistics related professional background. We can understand the main work from the following three points. First, data collection and collation, such as statistical economic indicators, survey statistics; Second, quantitative and qualitative analysis of data, instry research, etc; Third, policy effect research and suggestions, such as providing financial information consultation, credit management and other related work
from this, we can see that the statistical post basically does research and statistics work, so the unified survey is an important department, but the work contents of different branches may vary, such as county branches, which mainly do the deposit loan ratio statistics of County commercial banks< Because branches of the people's Bank of China and branches of the State Administration of foreign exchange work together, branches of the people's Bank of China also undertake the corresponding foreign exchange management
English positions are mainly engaged in international related business, foreign exchange management and clerical and comprehensive related work. Such as data compilation in research and analysis. Specifically speaking, international trade project negotiation, reception and translation of international business conference, text translation, preparation of Market Research Report and other proct and brand publicity
7. Management post
management is more inclined to public management, administrative management, human resource management and other related majors. It mainly refers to the comprehensive management of office internal work of PBC branches
the specific responsibilities are as follows: first, comprehensive administrative management, such as the drafting of relevant documents, the organization of important meetings, the handling of messages, secretarial affairs, etc. Second, channel management, tracking research and evaluation. Third, be responsible for the management, coordination and organization of the proction of commemorative coins. Fourth, domestic market development related work. Fifth, discipline inspection and supervision. Sixth, engaged in document operation, management and other administrative affairs
8. Other categories
in addition to the seven general categories, there is another special category for the recruitment majors of PBC. Today, let's take a little look at other classes. The job responsibilities of each branch are mainly security post and some special requirements. Among them, the characteristic of security post is that some recruitment agencies require candidates to be security related majors such as security management and security prevention in military academies, police academies and public security academies.
1. Economic and Financial Post
Economic and Financial Post belongs to the relatively omnipotent post of the people's Bank of China, except for monetary and credit policy implementation and supervision, investigation and research, data analysis, instry report, credit business processing, treasury business, foreign exchange business, on-site inspection and off-site inspection, The staff of economic and financial posts in some branches will also participate in other work contents such as accounting, statistics, management, etc., and the specific requirements of the staff in the branches shall prevail
2. Accounting post
accounting generally has two departments, one is the accounting and financial department, which is responsible for financial management; The second is the accounting department, mainly the business office and the state treasury department. The work content of the accounting post is mainly responsible for the Treasury revenue and expenditure accounting business operation, currency issuance, such as the delivery and storage of RMB, etc; Operating payment system, fund transfer, account management, payment and settlement, inter-bank fund transactions, foreign exchange business, etc; Daily business and internal audit of PBC
3. Legal post
the main responsibilities of legal post are office legal management and comprehensive management, such as contracting the interpretation of financial laws and regulations according to law; Undertake the work of administrative reconsideration and administrative response, carry out financial legal consulting business, financial training, economic legal services related work, such as organizing financial legal ecation and publicity. At the same time, we should do a good job in the legal compliance and other routine work, such as drafting, reviewing the contract text, participating in the project negotiation and litigation and other legal affairs, legal research on digital currency and legal affairs of digital currency Research Institute
4. Computer post
Computer post is mainly engaged in the development, operation and maintenance of the business system of the people's Bank of China, performing the responsibilities of the central bank, and supervising the financial institutions within its jurisdiction in information security, financial IC card, Internet Finance and other aspects
there are four specific points as follows: first, be responsible for the operation and maintenance of the people's Bank of China's business system network and computer room, security technical support and guarantee, as well as the collection, summary and analysis of relevant information and data; Second. Engaged in financial instry big data analysis, software architecture design, software development, project management, system integration, network security, information security, national secret algorithm, security testing related work; Third, responsible for the legal digital currency related software system, encryption technology and security model, transaction terminal chip technology research and development; Fourth, operation and maintenance of payment and settlement system
5. Statistical post
statistical post generally requires economics and statistics related professional background. We can understand the main work from the following three points. First, data collection and collation, such as statistical economic indicators, survey statistics; Second, quantitative and qualitative analysis of data, instry research, etc; Third, policy effect research and suggestions, such as providing financial information consultation, credit management and other related work
from this, we can see that the statistical post basically does research and statistics work, so the unified survey is an important department, but the work contents of different branches may vary, such as county branches, which mainly do the deposit loan ratio statistics of County commercial banks< Because branches of the people's Bank of China and branches of the State Administration of foreign exchange work together, branches of the people's Bank of China also undertake the corresponding foreign exchange management
English positions are mainly engaged in international related business, foreign exchange management and clerical and comprehensive related work. Such as data compilation in research and analysis. Specifically speaking, international trade project negotiation, reception and translation of international business conference, text translation, preparation of Market Research Report and other proct and brand publicity
7. Management post
management is more inclined to public management, administrative management, human resource management and other related majors. It mainly refers to the comprehensive management of office internal work of PBC branches
the specific responsibilities are as follows: first, comprehensive administrative management, such as the drafting of relevant documents, the organization of important meetings, the handling of messages, secretarial affairs, etc. Second, channel management, tracking research and evaluation. Third, be responsible for the management, coordination and organization of the proction of commemorative coins. Fourth, domestic market development related work. Fifth, discipline inspection and supervision. Sixth, engaged in document operation, management and other administrative affairs
8. Other categories
in addition to the seven general categories, there is another special category for the recruitment majors of PBC. Today, let's take a little look at other classes. The job responsibilities of each branch are mainly security post and some special requirements. Among them, the characteristic of security post is that some recruitment agencies require candidates to be security related majors such as security management and security prevention in military academies, police academies and public security academies.
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