Digital paper currency
Recently, the relevant person in charge of the people's Bank of China said in public that it is carrying out the development of digital currency system, "the era of digital RMB is coming"
at the third Yichun forum of 40 people in China Finance recently, Mu Changchun, deputy director of the central payment and settlement department, said that the Research Institute under the central bank started the development of digital currency system as early as 2018, The digital currency of the central bank is ready to come out
digital currency is the trend of the times. In a long period of time, digital currency and paper currency coexist and circulate together. For ordinary people, when they go to the bank to withdraw money in the future, they can choose to exchange physical cash or digital currency, which makes it easier for legal digital currency to graally replace paper currency under the existing monetary operation framework, Instead of subverting the existing currency circulation system
as far as I know, there is a big difference between the use of digital currency and traditional paper currency. The purpose is the same, but the technology, security and application are different. The simplest difference is that one is printed on paper, and the other is printed on the blockchain information system in digital form
there are two simple understandings: currency digital currency is in the form of e-wallet, and RMB is paper currency. When it is used, one is to exchange currency and goods directly, and the other is to use digital currency wallet for transaction and transfer. Digital currency is certainly more convenient, while paper currency will have many problems, such as ring the epidemic, We should try our best to rece the risk of paper money transaction
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
2. If you have the conditions, it is recommended to use high-end graphics cards of big brands for better mining effect.
“ Digital RMB & quot; Will the paper currency RMB disappear as the promotion scope of RMB becomes wider and wider< paper money will not disappear, just like the paper money from the beginning of its embryonic form until now, metal money still exists and will continue to exist. The paper money will not really disappear. after all, many people are not used to the current online payment, and even if digital money will become the mainstream in the future, it will not disappear, Because paper money is also a kind of art, it has collection value{ RRRRR}
paper RMB will not disappear, it will become another form around us, by then technology may have been very developed, but the design of RMB is originally a form of art, paper RMB will not disappear forever, just from the original general equivalent into a work of art
(2) this small piece of paper controls the total amount of money in the country's hairstyle. The paper currency keeps the money in a controllable range. If it becomes a pure electronic currency (what is the electronic currency, not what you are now Alipay or what, but a string of code, such as bitcoin), the technology at this stage is not perfect. A highly skilled hacker or a group can subvert a country's monetary system. At least this hidden danger is real and much bigger than it is now, so most countries will not take this risk
(3) at present, it seems that there are few banknotes, but the real settlement is still in the form of banknotes, which is replaced by bank card, mobile payment and so on. But if there is no banknotes, how to settle. It seems that there is no paper money, but the final settlement is still paper money. Imagine, if one day, you can't get money out of the bank, how can you still pay with bank card and mobile phone? Even if you successfully pay with Hua and other tools, you still have to pay back. What should you pay back? It seems to be a series of numbers. In fact, it's still paper money that is returned. It's just that the paper money has gone from the front desk to the background
(4) the withdrawal of paper money in the future is just like the substitution of paper money for gold, silver and copper coins. Something will replace it in the future. Now a lot of people often say, how long have I not used money, mobile phone is OK. Yes, mobile phone is OK. If his account doesn't have the symbol of notes (for example, the account has 3000 yuan, which is the symbol of notes), then even if he has a mobile phone, it's useless.
although mobile payment is now widely used, and even official digital currency will be issued in the future, in any case, banknotes and coins will not be eliminated. Because a basic economic law tells us that behind the use of a currency, there must be a corresponding entity as the reserve principal
if you pay "1 yuan" by mobile phone, there must be corresponding 1 yuan note or 1 yuan coin as the reserve principal in real life, which is the basis for the implementation of mobile payment
one of the reasons why virtual currencies such as bitcoin cannot be widely promoted in reality is that these virtual currencies have no corresponding reserve principal
hope to adopt!