Wang Hua digital currency
Publish: 2021-05-03 14:32:48
1.
In fact, pixels can't be added up. The highest pixel is equal to the pixel of the main camera. Pixel refers to the smallest unit in the image represented by a digital sequence, which is called pixel
several other types of concepts derived from the idea of pixel, such as voxel, texel and surfel, are used in other computer graphics and image processing applications
16 million + 20 million high-definition zoom al camera, al core focusing technology, 20 million pixel black-and-white lens capture levels and details, 16 million pixel color lens capture color, double f1.8 large aperture, with the new generation ISP image processor, the capture magnification is more beautiful and clearer, with AI scene recognition, second change photographer, intelligent capture and other photo functions
extended data:
main parameters of camera. Resolution (pixel) resolution is one of the most familiar parameters. The resolution is mainly determined by the image sensor. The higher the resolution is, the more delicate the image is and the better the effect is, but the image takes up more storage space
generally speaking, the camera pixel is the maximum pixel in the photographing mode, and the pixel in the photographing (video shooting) is usually small. For example, the N97 camera has 500W pixels, but the maximum resolution in the photographing mode is only 640x480<
to describe the resolution of mobile phone camera, the special terms of image resolution (such as CIF, VGA, etc.) are often used to express the resolution (pixel = resolution length width numerical multiplication)
2. [Abstract] with the change of China's banking service mode, Internet banking has become a new banking mode, and there are some problems to be solved urgently. Only by removing these obstacles can we be invincible in the international financial competition
[Key words] problems and Countermeasures of Internet banking
I. Problems of Internet banking in China
1. Security problem
security problem is the core problem in the development of Internet banking. In fact, whether the security problem can be well solved is the key to the rapid and healthy development of Internet banking. According to the survey concted by China computer users, 47% of the respondents have never used online banking, and 68% of them feel that online banking is not safe
2. Legal issues
e to the great differences between Internet banks and traditional banks, the new legal system and relevant standards for Internet banking transaction rules still need to be formulated. For example, the transaction requires signature, while the online digital signature has no legal effect in our country, which greatly hinders the online payment. The validity of this signature should be regulated in law
3. Regulatory issues
to develop China's Internet banking, the related regulatory issues can not be avoided. The supervision of Internet banking is not a simple superposition of Internet supervision and banking supervision, but has its own new content, such as the supervision of virtual financial service varieties and prices launched by Internet banking. This kind of supervision has two levels: instry level and enterprise level. Instry level supervision mainly solves the impact of Internet banking on national financial security, while enterprise level supervision mainly solves the problem of behavior norms of commercial banks' Internet services. The more complex and arous task lies in the supervision of transnational and cross-border financial data flow< In recent years, although China's market economy has developed rapidly, the development of social credit system is relatively backward, and the phenomenon of dishonesty in economic activities is relatively serious. In terms of the construction of personal credit system, China is still basically blank, which is the reason why the vast majority of customers take a wait-and-see attitude towards Internet banking< Planning problem
lack of overall planning and platform with bearing capacity, expansibility, non-stop, low management and high performance is a barrier for the development of China's Internet banking. The development of Internet banking depends on the cooperation of banking instry, software developers, hardware suppliers and system integration enterprises. Therefore, a unified standard is needed to ensure the compatibility of all parties. Although China's Internet banking has the basic functions of inquiry and transfer when it was just established, it did not consider the new situation of increasing business volume and variety after the integration of banking, securities, insurance and other businesses in the future
6. Single business variety and lack of dependence on Internet banking by customers
at present, Internet banking in China is basically positioned as a marketing channel of traditional banking business, so the services provided are also traditional banking business, just realized on the Internet. In this case, customers can complete the business in Internet banking through counter, telephone and ATM, without dependence on Internet banking< In order to solve the security problems in online transactions and payments, commercial banks should establish a practical and effective China Financial Certification Center. In addition, commercial banks should cooperate with online payment companies and international credit card organizations, To provide safe and fast online payment solutions for online merchants in various instries, through the adoption of international advanced security measures such as digital signature (DS), global intercommunication payment security technology, secure electronic transaction protocol (set), international general data security transmission authentication ssl128 bit encryption protection to ensure the security of online payment, so as to provide fast and reliable online payment services Simple security authentication service< Strengthen the legislation and supervision of Internet banking.
first, we should establish a national unified certification center as a security certification authority as soon as possible, and determine the legal basis for online payment and digital signature. Second, we should learn from the relevant laws of the United States and other international organizations to establish China's electronic fund transfer law or electronic payment law, In order to clarify the risk responsibility of electronic fund transfer or the use of electronic currency to realize online payment; Third, strengthen the contact and cooperation among financial, judicial, business and other departments, and formulate international treaties to jointly crack down on Internet financial crimes and regulate the risk responsibility of Internet financial instry; The fourth is to strengthen the supervision and risk prevention of online banking
3. Strengthen the construction of social credit system
banks should coordinate the relationship between instry and commerce, taxation, public security, insurance and other departments, realize the sharing of credit resources, cultivate professional credit service institutions, adopt the same planning platform, the same standard means, the same technical process, and establish a unified, efficient, objective and efficient credit system Fair social credit system, in order to improve people's trust in online banking payment< 4. Plan development strategy, improve the level of soft and hard technology and management, speed up the training of technical talents
Chinese banks should speed up the introction and development of advanced network core technology. In terms of hardware, we should vigorously develop powerful servers and other advanced equipment; In terms of software, it is necessary to vigorously develop network security system, electronic transfer system and other software system integration; At the same time, we need to strictly regulate the operation and management, and actively cultivate high-quality talents to meet the needs of the development of online banking
5. Strengthen the marketing and innovation of Internet banking business
e to the strong personalized demand and expectation of Internet banking customers for banking procts and services, commercial banks must break the traditional mass and standardized business philosophy, and establish the business philosophy of "quality wins" and "customer driven" based on customer demand, To provide customized personalized financial procts and services for customers, so as to achieve the goal of long-term stable cooperation with customers
6. Strengthen the cooperation with foreign financial service companies
the renewal of management concept needs the support of technical strength. Commercial banks have a significant gap with foreign-funded Internet banks in terms of website design concept and technology, research and development of online procts and market promotion, or overall background management technology and process reengineering plan. If we only rely on our own concept renewal and innovation to narrow the gap, there are many difficulties objectively. From the perspective of instry competition, this is a non professional and non rational strategy. Foreign financial service companies have rich management experience in the construction of network banking system. It is an important means for commercial banks to improve their competitiveness by introcing international financial management services< It is one of the most effective competitive strategies for China's banking instry after China's entry into WTO to carry out network innovation and develop online banking business. The establishment of online payment system will raise the threshold for foreign banks to enter the Chinese market. In the case of foreseeing the high cost of building another system, foreign banks will tend to rely on this system for payment and settlement and establish cooperative relationship with domestic banks. In this way, they can not only collect fees from all foreign banks who use this system for payment and settlement, but also obtain benefits, More importantly, by controlling the core links, China's banking instry can take the initiative in the competition with foreign banks<
References:
[1] Zhang Zhiyong: countermeasures and suggestions for the development of e-banking [J]. China Urban Finance, 2005 (11)
[2] Xue Wei: marketing strategies for e-banking [J]. Modern finance, 2005, (06)
[3] analysis of the current situation of China's e-banking [J]. Information instry report, 2005, (z1)
[Key words] problems and Countermeasures of Internet banking
I. Problems of Internet banking in China
1. Security problem
security problem is the core problem in the development of Internet banking. In fact, whether the security problem can be well solved is the key to the rapid and healthy development of Internet banking. According to the survey concted by China computer users, 47% of the respondents have never used online banking, and 68% of them feel that online banking is not safe
2. Legal issues
e to the great differences between Internet banks and traditional banks, the new legal system and relevant standards for Internet banking transaction rules still need to be formulated. For example, the transaction requires signature, while the online digital signature has no legal effect in our country, which greatly hinders the online payment. The validity of this signature should be regulated in law
3. Regulatory issues
to develop China's Internet banking, the related regulatory issues can not be avoided. The supervision of Internet banking is not a simple superposition of Internet supervision and banking supervision, but has its own new content, such as the supervision of virtual financial service varieties and prices launched by Internet banking. This kind of supervision has two levels: instry level and enterprise level. Instry level supervision mainly solves the impact of Internet banking on national financial security, while enterprise level supervision mainly solves the problem of behavior norms of commercial banks' Internet services. The more complex and arous task lies in the supervision of transnational and cross-border financial data flow< In recent years, although China's market economy has developed rapidly, the development of social credit system is relatively backward, and the phenomenon of dishonesty in economic activities is relatively serious. In terms of the construction of personal credit system, China is still basically blank, which is the reason why the vast majority of customers take a wait-and-see attitude towards Internet banking< Planning problem
lack of overall planning and platform with bearing capacity, expansibility, non-stop, low management and high performance is a barrier for the development of China's Internet banking. The development of Internet banking depends on the cooperation of banking instry, software developers, hardware suppliers and system integration enterprises. Therefore, a unified standard is needed to ensure the compatibility of all parties. Although China's Internet banking has the basic functions of inquiry and transfer when it was just established, it did not consider the new situation of increasing business volume and variety after the integration of banking, securities, insurance and other businesses in the future
6. Single business variety and lack of dependence on Internet banking by customers
at present, Internet banking in China is basically positioned as a marketing channel of traditional banking business, so the services provided are also traditional banking business, just realized on the Internet. In this case, customers can complete the business in Internet banking through counter, telephone and ATM, without dependence on Internet banking< In order to solve the security problems in online transactions and payments, commercial banks should establish a practical and effective China Financial Certification Center. In addition, commercial banks should cooperate with online payment companies and international credit card organizations, To provide safe and fast online payment solutions for online merchants in various instries, through the adoption of international advanced security measures such as digital signature (DS), global intercommunication payment security technology, secure electronic transaction protocol (set), international general data security transmission authentication ssl128 bit encryption protection to ensure the security of online payment, so as to provide fast and reliable online payment services Simple security authentication service< Strengthen the legislation and supervision of Internet banking.
first, we should establish a national unified certification center as a security certification authority as soon as possible, and determine the legal basis for online payment and digital signature. Second, we should learn from the relevant laws of the United States and other international organizations to establish China's electronic fund transfer law or electronic payment law, In order to clarify the risk responsibility of electronic fund transfer or the use of electronic currency to realize online payment; Third, strengthen the contact and cooperation among financial, judicial, business and other departments, and formulate international treaties to jointly crack down on Internet financial crimes and regulate the risk responsibility of Internet financial instry; The fourth is to strengthen the supervision and risk prevention of online banking
3. Strengthen the construction of social credit system
banks should coordinate the relationship between instry and commerce, taxation, public security, insurance and other departments, realize the sharing of credit resources, cultivate professional credit service institutions, adopt the same planning platform, the same standard means, the same technical process, and establish a unified, efficient, objective and efficient credit system Fair social credit system, in order to improve people's trust in online banking payment< 4. Plan development strategy, improve the level of soft and hard technology and management, speed up the training of technical talents
Chinese banks should speed up the introction and development of advanced network core technology. In terms of hardware, we should vigorously develop powerful servers and other advanced equipment; In terms of software, it is necessary to vigorously develop network security system, electronic transfer system and other software system integration; At the same time, we need to strictly regulate the operation and management, and actively cultivate high-quality talents to meet the needs of the development of online banking
5. Strengthen the marketing and innovation of Internet banking business
e to the strong personalized demand and expectation of Internet banking customers for banking procts and services, commercial banks must break the traditional mass and standardized business philosophy, and establish the business philosophy of "quality wins" and "customer driven" based on customer demand, To provide customized personalized financial procts and services for customers, so as to achieve the goal of long-term stable cooperation with customers
6. Strengthen the cooperation with foreign financial service companies
the renewal of management concept needs the support of technical strength. Commercial banks have a significant gap with foreign-funded Internet banks in terms of website design concept and technology, research and development of online procts and market promotion, or overall background management technology and process reengineering plan. If we only rely on our own concept renewal and innovation to narrow the gap, there are many difficulties objectively. From the perspective of instry competition, this is a non professional and non rational strategy. Foreign financial service companies have rich management experience in the construction of network banking system. It is an important means for commercial banks to improve their competitiveness by introcing international financial management services< It is one of the most effective competitive strategies for China's banking instry after China's entry into WTO to carry out network innovation and develop online banking business. The establishment of online payment system will raise the threshold for foreign banks to enter the Chinese market. In the case of foreseeing the high cost of building another system, foreign banks will tend to rely on this system for payment and settlement and establish cooperative relationship with domestic banks. In this way, they can not only collect fees from all foreign banks who use this system for payment and settlement, but also obtain benefits, More importantly, by controlling the core links, China's banking instry can take the initiative in the competition with foreign banks<
References:
[1] Zhang Zhiyong: countermeasures and suggestions for the development of e-banking [J]. China Urban Finance, 2005 (11)
[2] Xue Wei: marketing strategies for e-banking [J]. Modern finance, 2005, (06)
[3] analysis of the current situation of China's e-banking [J]. Information instry report, 2005, (z1)
3. Because there is only one force acting on an object. You are analyzing the force on the object, not the force on the spring.
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