Central bank digital currency payment needs password
Publish: 2021-03-29 10:24:17
1.
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
2.
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
3. DCEP (digital currency electronic payment), the Chinese version of digital currency project, namely digital currency and electronic payment instrument, is the legal digital currency in the research of the people's Bank of China and a kind of digital currency. Digital RMB, issued by the people's Bank of China, is a controllable anonymous payment tool with value characteristics and legal compensation. It is operated by designated operating institutions and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, and is equivalent to banknotes and coins. As for the research progress, the top-level design, standard formulation, function research and development, joint commissioning and testing have been completed, and the internal closed pilot test will start in April 2020. As of September 15, 2020, DCEP has not been officially launched
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An car owner loan] you can borrow a car, up to 500000
https://b.pingan.com.cn/station/activity/loan/qr-carloan/loantrust.html?source=sa0000632&outerSource=bdzdhhr_ zscd&outerid=ou0000250&cid=bdzdhhr_ zscd&downapp_ id=AM001000065
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An car owner loan] you can borrow a car, up to 500000
https://b.pingan.com.cn/station/activity/loan/qr-carloan/loantrust.html?source=sa0000632&outerSource=bdzdhhr_ zscd&outerid=ou0000250&cid=bdzdhhr_ zscd&downapp_ id=AM001000065
4. NFC should be a way of digital currency transaction, as far as internal test is concerned. The official explanation is that the digital currency wallet has the functions of scan code payment, payment code, touch and remittance. NFC is the hardware condition of near-field NFC payment, and NFC should not be the necessary condition of digital RMB.
5. If we need to use WeChat, Alipay and bank cards, we need to enter the payment passwords while the digital currency is the same.
6. [hot spot of stock market]: Lin Yuan, a famous folk stock god, is a legend from 8000 yuan to 2 billion yuan in 18 years.
when it comes to stock speculation, it has to be mentioned that Warren Buffett, as the second person with assets exceeding 100 billion US dollars, ranks second in Hurun's 2018 rich list. Although his wealth shrank by nearly 14% as early as 2019, he still ranked third on Hurun's rich list, which is a legend<
however, there is a legend of stock speculation among the people in China. It is said on the Internet that 8000 yuan was invested in the stock market, which earned 2 billion yuan in a short period of time. By 2019, its value has reached 30 billion yuan. The so-called big hidden in the city than this. For this reason, CCTV CCTV2 program group has the honor to invite Mr. Lin Yuan, China's Warren Buffet. Let's have a look at what kind of person this is
personal profile of Mr. Lin Yuan: born in Hanzhong, Shaanxi Province in 1963, no matter how rich your imagination is, you can't imagine that a little man with medical background entered the stock market with thousands of yuan in 1989, and finally developed to an inestimable level. Over the past 20 years, Linyuan's wealth has been growing rapidly as "nuclear fission". Lin Yuan never lost a cent when many people died in the sea of Chinese stocks full of hidden reefs and dangerous shoals; When many people want to get rich overnight by gambling and speculation, Lin Yuan makes a lot of money steadily and steadily only by two legs and a brain that can calculate accounts—— He is the stock god forest garden<
investment experience: in 1989, he jointly invested 8000 yuan with his family and bought 5 shares of Shenzhen Development Bank< From 1990 to 1992, Shenzhen Development and Shenzhen Jinxing stocks were speculated and merged into the soon to be listed companies such as Minyuan and shenhuaxin, and their assets jumped to 10 million yuan< From 1994 to 2001, the company concentrated on speculating in Shenzhen development, Sichuan Changhong, Tongrentang and other stocks. The assets increased by 9 times, and the capital was withdrawn from a shares to invest outside Shenzhen<
2003: return to a shares and buy Guizhou Maotai, Wuliangye, Yunnan Baiyao and China Merchants Bank<
2006: he made a high-profile appearance in major media and was described as "China's Warren Buffett" by CCTV<
original tactics: triple screen trading system (can effectively identify indivial stocks, short-term, middle-line and long-term cycle operation track! Investment philosophy: find value from value investment and grasp the growth time cycle, through the understanding of value, control the growth of the instry, reasonable investment, pursue the value mining process and the valuation growth of the enterprise growth stage to achieve stable compound interest
recently, Mr. Lin Yuan disclosed the stocks he held in the circle, and he was loved by the majority of investors because he often recommended stocks with large band trend trading limit. Recently, it has been revealed that many stock followers have followed. Some of them have more than ten million stock accounts, with tens of thousands of followers. According to the followers, most of the follow-up votes made more than 50% profit. And under our repeated questioning, we learned his QQ number: 3006037022 (or scan the QR code below)
scan the QR code below and add QQ
ring the program, Mr. Lin Yuan revealed some core stock speculation skills< One belt, one road, one belt, one road, China, and the other two countries. The first is to see the core of stock market
there is no rise or fall for no reason. The implementation of policies, the stimulation of news, the operation of large funds and so on are the convergence and aggregation of funds to achieve the rise. This is the road of "capital market". As long as you know how to use these two principles well, you can make money in stock speculation.
Second, you can understand the value investment of macro economy (Warren Buffett's unique trading skills in his life)
how to understand the macro economy and realize the value investment? Guided by the overall development direction of the national economic policy, the benefit plate driven by the policy. Find out short-term hot spots through policies, cooperate with medium-term plate effect, promote long-term policies, realize short-term, medium-term and long-term resonance effect, and accurately grasp the market direction. Combined with the corresponding stocks, the paper selects the listed companies with development prospects, excellent performance and policy support instries as the standard. Through the understanding of value, the control of instry growth, reasonable investment, the pursuit of value mining process and the growth of enterprise growth stage valuation growth to stabilize compound interest
ring this period, the reporter asked: "Mr. Lin Yuan, according to your investment philosophy of macroeconomic value, what is the future of the market? Which sectors can focus on purchasing< Mr. Lin Yuan: according to the analysis from the perspective of (macroeconomic value investment) proposed by me, this year's epidemic has led to the sluggish domestic economy, and the national economic policy will also point to the economic recovery strategy in an all-round way. In order to stimulate the economy from the current to the big wave, various economic welfare policies need to be implemented in the process
with the establishment of policy direction, A-share market will walk out of a new round of bull market. In line with the current policy, the sectors with value investment include: digital currency, blockchain, the end of adjustment of science and technology sector, the second start, the internal circulation of large consumption, and the end of mid-term adjustment of blue chip stocks
reporter: "Mr. Lin Yuan, I heard that you always share a lot of information and suggestions in QQ group, don't you?"
Mr. Lin Yuan: "yes, today's investors are confused about the current A-share market. I hope I can help more investors realize their freedom of wealth in A-share market. This is how I realize the value of life."
reporter: "Mr. Lin Yuan", how accurate can you be through your understanding of the core source of the stock market and the concept of macroeconomic value investment and trading< Mr. Lin Yuan: I share the indivial stocks in my stock pool with you. I hope that through these stocks and time nodes, you can understand what is the real macro value investment
want to learn the stock trading technology and turn losses into profits, Friends who want to know how to deal with the current economic environment and market can scan the right QR code to join Teacher Lin Yuan's club and get free "[a trend Bull Stock with value investment in line with the current policy direction] and [trend operation theory] in Teacher Lin Yuan's trading system, which can effectively help investors find out how to have value investment characteristics, Continuous appreciation of indivial stocks
we hereby declare that after the stock market assets double their profits, they will charge 3% for charity activities; As long as everyone gives a little love, the world will become a better tomorrow
friendly tips: in the establishment of policy direction, the demand of capital flowing into the stock market, at which time point will a new round of bull market be opened in the short term? At present, it is suggested that we should see more and move less, and we should act decisively when certain signals appear. I hope every investor friend is not the victim of this war without gunpowder, and get rid of the fate of leek as soon as possible
thank you first & quot; "Mr. Lin Yuan" is willing to come to our station to share. Here CCTV2 wishes that the majority of shareholders can follow Mr. Lin Yuan to turn losses into profits. It also hopes that the majority of shareholders can share this with their retail friends, so that more retail investors can get help in the next market. Scan the following QR code and enter the teacher Lin Yuan group
scan the QR code below, add teacher QQ: 3006037022, get free
scan the QR code below, add QQ
when it comes to stock speculation, it has to be mentioned that Warren Buffett, as the second person with assets exceeding 100 billion US dollars, ranks second in Hurun's 2018 rich list. Although his wealth shrank by nearly 14% as early as 2019, he still ranked third on Hurun's rich list, which is a legend<
however, there is a legend of stock speculation among the people in China. It is said on the Internet that 8000 yuan was invested in the stock market, which earned 2 billion yuan in a short period of time. By 2019, its value has reached 30 billion yuan. The so-called big hidden in the city than this. For this reason, CCTV CCTV2 program group has the honor to invite Mr. Lin Yuan, China's Warren Buffet. Let's have a look at what kind of person this is
personal profile of Mr. Lin Yuan: born in Hanzhong, Shaanxi Province in 1963, no matter how rich your imagination is, you can't imagine that a little man with medical background entered the stock market with thousands of yuan in 1989, and finally developed to an inestimable level. Over the past 20 years, Linyuan's wealth has been growing rapidly as "nuclear fission". Lin Yuan never lost a cent when many people died in the sea of Chinese stocks full of hidden reefs and dangerous shoals; When many people want to get rich overnight by gambling and speculation, Lin Yuan makes a lot of money steadily and steadily only by two legs and a brain that can calculate accounts—— He is the stock god forest garden<
investment experience: in 1989, he jointly invested 8000 yuan with his family and bought 5 shares of Shenzhen Development Bank< From 1990 to 1992, Shenzhen Development and Shenzhen Jinxing stocks were speculated and merged into the soon to be listed companies such as Minyuan and shenhuaxin, and their assets jumped to 10 million yuan< From 1994 to 2001, the company concentrated on speculating in Shenzhen development, Sichuan Changhong, Tongrentang and other stocks. The assets increased by 9 times, and the capital was withdrawn from a shares to invest outside Shenzhen<
2003: return to a shares and buy Guizhou Maotai, Wuliangye, Yunnan Baiyao and China Merchants Bank<
2006: he made a high-profile appearance in major media and was described as "China's Warren Buffett" by CCTV<
original tactics: triple screen trading system (can effectively identify indivial stocks, short-term, middle-line and long-term cycle operation track! Investment philosophy: find value from value investment and grasp the growth time cycle, through the understanding of value, control the growth of the instry, reasonable investment, pursue the value mining process and the valuation growth of the enterprise growth stage to achieve stable compound interest
recently, Mr. Lin Yuan disclosed the stocks he held in the circle, and he was loved by the majority of investors because he often recommended stocks with large band trend trading limit. Recently, it has been revealed that many stock followers have followed. Some of them have more than ten million stock accounts, with tens of thousands of followers. According to the followers, most of the follow-up votes made more than 50% profit. And under our repeated questioning, we learned his QQ number: 3006037022 (or scan the QR code below)
scan the QR code below and add QQ
ring the program, Mr. Lin Yuan revealed some core stock speculation skills< One belt, one road, one belt, one road, China, and the other two countries. The first is to see the core of stock market
there is no rise or fall for no reason. The implementation of policies, the stimulation of news, the operation of large funds and so on are the convergence and aggregation of funds to achieve the rise. This is the road of "capital market". As long as you know how to use these two principles well, you can make money in stock speculation.
Second, you can understand the value investment of macro economy (Warren Buffett's unique trading skills in his life)
how to understand the macro economy and realize the value investment? Guided by the overall development direction of the national economic policy, the benefit plate driven by the policy. Find out short-term hot spots through policies, cooperate with medium-term plate effect, promote long-term policies, realize short-term, medium-term and long-term resonance effect, and accurately grasp the market direction. Combined with the corresponding stocks, the paper selects the listed companies with development prospects, excellent performance and policy support instries as the standard. Through the understanding of value, the control of instry growth, reasonable investment, the pursuit of value mining process and the growth of enterprise growth stage valuation growth to stabilize compound interest
ring this period, the reporter asked: "Mr. Lin Yuan, according to your investment philosophy of macroeconomic value, what is the future of the market? Which sectors can focus on purchasing< Mr. Lin Yuan: according to the analysis from the perspective of (macroeconomic value investment) proposed by me, this year's epidemic has led to the sluggish domestic economy, and the national economic policy will also point to the economic recovery strategy in an all-round way. In order to stimulate the economy from the current to the big wave, various economic welfare policies need to be implemented in the process
with the establishment of policy direction, A-share market will walk out of a new round of bull market. In line with the current policy, the sectors with value investment include: digital currency, blockchain, the end of adjustment of science and technology sector, the second start, the internal circulation of large consumption, and the end of mid-term adjustment of blue chip stocks
reporter: "Mr. Lin Yuan, I heard that you always share a lot of information and suggestions in QQ group, don't you?"
Mr. Lin Yuan: "yes, today's investors are confused about the current A-share market. I hope I can help more investors realize their freedom of wealth in A-share market. This is how I realize the value of life."
reporter: "Mr. Lin Yuan", how accurate can you be through your understanding of the core source of the stock market and the concept of macroeconomic value investment and trading< Mr. Lin Yuan: I share the indivial stocks in my stock pool with you. I hope that through these stocks and time nodes, you can understand what is the real macro value investment
want to learn the stock trading technology and turn losses into profits, Friends who want to know how to deal with the current economic environment and market can scan the right QR code to join Teacher Lin Yuan's club and get free "[a trend Bull Stock with value investment in line with the current policy direction] and [trend operation theory] in Teacher Lin Yuan's trading system, which can effectively help investors find out how to have value investment characteristics, Continuous appreciation of indivial stocks
we hereby declare that after the stock market assets double their profits, they will charge 3% for charity activities; As long as everyone gives a little love, the world will become a better tomorrow
friendly tips: in the establishment of policy direction, the demand of capital flowing into the stock market, at which time point will a new round of bull market be opened in the short term? At present, it is suggested that we should see more and move less, and we should act decisively when certain signals appear. I hope every investor friend is not the victim of this war without gunpowder, and get rid of the fate of leek as soon as possible
thank you first & quot; "Mr. Lin Yuan" is willing to come to our station to share. Here CCTV2 wishes that the majority of shareholders can follow Mr. Lin Yuan to turn losses into profits. It also hopes that the majority of shareholders can share this with their retail friends, so that more retail investors can get help in the next market. Scan the following QR code and enter the teacher Lin Yuan group
scan the QR code below, add teacher QQ: 3006037022, get free
scan the QR code below, add QQ
7. The business scope of CICC is as follows:
1. The brokerage business of RMB special stocks, RMB ordinary stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 2、 Proprietary business of RMB common stock, RMB special stock, overseas issued stock, domestic and overseas government bonds, corporate bonds and corporate bonds; 3、 The underwriting business of RMB common stocks, RMB special stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 4、 The initiation and management of the fund; 5、 Corporate restructuring, acquisition and Merger Consultant; 6、 Project Financing Consultant; 7、 Investment consulting and other consulting business; 8、 Foreign exchange trading; 9、 Foreign exchange assets management of overseas enterprises and domestic enterprises with foreign investment; 10、 Interbank lending; 11、 Customer asset management. 12、 Online securities commission business; 13、 Margin trading business; 14、 Selling financial procts on a commission basis; 15、 Selling securities investment funds on a commission basis; 16、 Provide intermediary business for futures companies; 17、 Other businesses approved by financial regulatory authorities Projects that need to be approved according to law shall be operated according to the approved contents after being approved by relevant departments.)
it is suggested to limit the scope of business. It is impossible to issue virtual currency. The virtual currency you hear may be handed down currency, so it is suggested to stay away from it. It is suggested to play with mainstream virtual currencies, such as bitcoin, Fuyuan coin, dogcoin, etc.
1. The brokerage business of RMB special stocks, RMB ordinary stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 2、 Proprietary business of RMB common stock, RMB special stock, overseas issued stock, domestic and overseas government bonds, corporate bonds and corporate bonds; 3、 The underwriting business of RMB common stocks, RMB special stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 4、 The initiation and management of the fund; 5、 Corporate restructuring, acquisition and Merger Consultant; 6、 Project Financing Consultant; 7、 Investment consulting and other consulting business; 8、 Foreign exchange trading; 9、 Foreign exchange assets management of overseas enterprises and domestic enterprises with foreign investment; 10、 Interbank lending; 11、 Customer asset management. 12、 Online securities commission business; 13、 Margin trading business; 14、 Selling financial procts on a commission basis; 15、 Selling securities investment funds on a commission basis; 16、 Provide intermediary business for futures companies; 17、 Other businesses approved by financial regulatory authorities Projects that need to be approved according to law shall be operated according to the approved contents after being approved by relevant departments.)
it is suggested to limit the scope of business. It is impossible to issue virtual currency. The virtual currency you hear may be handed down currency, so it is suggested to stay away from it. It is suggested to play with mainstream virtual currencies, such as bitcoin, Fuyuan coin, dogcoin, etc.
8.
digital currency compares with Alipay: digital currency is equivalent to RMB with legal compensation. Digital currency is more perfect and convenient01 and the central bank say there is no competition between digital money and Alipay. p> On October 12, digital currency was tried in a district of Shenzhen. It is precisely because of this that digital currency officially came into people's sight. Digital currency has appeared before, but it is not digital RMB, but in other ways
many people speculate whether the arrival of digital money will have an impact on WeChat and Alipay payment. Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, on 25 June, said that there was no competition between digital money and Alipay 10.
but if the transaction amount is relatively large, it needs identity verification , and it is more secure, for every money, the central bank can find out where it is going, know who the other party is , and put an end to some unidentified transactions and some scams
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