Full name of central bank digital currency decp
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
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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
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network digital currency
according to media reports, before the Spring Festival, the blockchain based digital bill trading platform promoted by the people's Bank of China has been successfully tested. After the Spring Festival, the digital currency Research Institute of the central bank will also be officially listed. This means that the people's Bank of China will become the first central bank to study digital currency and its real application.
recently, ABC released the news of decp, and the BTC market has also risen in the past two days. Many brothers privately asked me whether there is a connection between the two, so they specially sent a paper to express their views for your reference
first of all, decp is the legal currency anchoring RMB, which is completely centralized and supervised by the state, and achieves the digitization of RMB
decp's operation system (you can search popular science on the Internet): the central bank's digital currency adopts a two-tier operation system, and adheres to the centralized management mode in this process. The full name of decp is digital currency electronic payment. The official definition is: a digital payment instrument with value characteristics. To put it plainly, centralization of electronic payment is similar to the current Alipay and WeChat, but it is different from them, because DECP has no fees and no networking.
as we all know, BTC is decentralized, and transactions need to be confirmed by miners (actually controlled by large mines), so in essence, completely centralized decp does not conflict with BTC
according to personal analysis, there may be the following situations:
first (positive side): the emergence of decp is very likely to make the concept of blockchain decentralization truly popularized to the people of the whole country, so as to increase the number of participants and promote the market of the currency circle
second (bad side): the government has always been committed to strengthening RMB's influence in the world, and will not allow more domestic private capital to flow to the currency circle. It is very likely to publicize the negative information of the currency circle through various media, or to control the exchange to wipe out the participants' motivation from the root, which will lead to the decline of the domestic currency circle market
third (neutral): given that the starting point of the concept of decentralization is to protect money from the influence of one country, one policy, and rece the impact of small-scale financial crisis on its own funds, the impact on the currency circle is likely to be extremely limited
to sum up, I think that the state is highly likely to act on the currency circle (it should have moved for a long time), but it is estimated that it will not affect the people who really believe in decentralization, so it is not the currency circle that is difficult to do in the future, but the domestic openers and team leaders.
f=N μ N is the positive pressure, that is, the pressure acting on the contact surface, μ It is the dynamic friction coefficient, which refers to the influence factors of the roughness of the contact surface on the friction. Or use the balance f = f; It's only used when it's stationary or moving in a straight line at a constant speed, but it's the most used in junior high school
the so-called friction is the force that hinders the relative motion of the object, and the direction of friction is opposite to the motion direction or relative motion direction of the object. The conditions of friction are as follows:
(1) two objects must contact each other
(2) there was extrusion between two objects(3) there is a tendency of motion or relative motion between two objects
If an object is stationary on a horizontal plane, it will not be affected by friction if it is not pushed or pulled. If thrust or pull is received, it belongs to the category of static friction. The size of friction is equal to that of pull or thrust, and has nothing to do with the gravity or pressure of the object. Only the maximum static friction is related to the pressure or gravity on the object
if the object is not pushed by 10N force, the object will be subjected to static friction, which is equal to the thrust. Just push with 15N force, and the friction force on the object is the maximum static friction force. If the thrust force is increased later, the friction force will not change. Theoretically, the sliding friction of objects is less than the maximum static friction, but it is generally considered that they are equal
The friction force is f = 15-10 = 5N
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methods to increase beneficial friction
(1) increase the roughness of contact surface
(2) increase the pressure (3) change rolling friction into sliding friction (1) replace sliding friction with rolling friction(2) make the contact surface separate [form a layer of air cushion or magnetic suspension on the contact surface of the object]
(3) decrease the pressure (4) rece the roughness of the contact surface In engineering technology, people often rece friction by applying lubricating oil. The science of this problem is called tribology, which is a branch of mechanical manufacturingIf two objects, which are in contact with each other and squeeze each other, but relatively still, only have a relative sliding trend under the action of external force, but do not have relative sliding, then the force between their contact surfaces hindering relative sliding is called "static friction". When the static friction increases to the maximum, the object will move
size: the static friction varies according to the external force, but there is a maximum value, which is called the maximum static friction. The maximum static friction is slightly greater than the sliding friction
direction: tangent to the contact surface, opposite to the direction of relative motion trend
On the basis of a large number of experiments, G. amunton and C. - A. de Coulomb proposed the following law of friction in 1699 and 1781:① the friction between two objects in contact does not exceed a certain maximum value, which has nothing to do with the size of the contact area
(2) the maximum value of friction is proportional to the normal pressure n between two objects (3) the direction of friction is opposite to the sliding direction of the object, and its magnitude is directly proportional to the normal pressure n between the two objectsthe above conclusion is only a rough empirical rule, but because it was found in the early days of mechanical science, it was called the law of friction, also known as Coulomb's law