The risks and measures of the central bank's digital currency

1.

Yin Zhentao, deputy director of the law and Finance Research Office of the Financial Research Institute of the Chinese Academy of Social Sciences, said that digital currency faces two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process

Zhao Zhanzhan, a special researcher of intellectual property research center of China University of political science and law, believes that digital currency has anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering

2. Legal risks faced by digital currency: (1) at the macro level, there are legal risks, systematic risks and consumer protection. At present, the legislative problems of e-commerce and e-payment have not been solved, the concept of e-currency and related provisions need to be clarified, and many laws and regulations have not been followed up. Secondly, there is a systemic risk caused by the collapse of a single issuing institution. If a certain issuing institution loses confidence in e-money e to its poor management, other e-money issuing institutions will also face run risk. Moreover, in the absence of standardized supervision, it is difficult for the public to effectively identify the qualification and credit level of issuers. How to effectively prompt risks and protect the rights and interests of the public has become a difficult problem. In addition, the concealment, rapidity and cross-border nature of Internet payment make e-money an inevitable money laundering tool for criminals 2 At the micro level, there are technical risks and credit risks in the main body of e-money issuance. The issuers of e-money in China include banks, non bank financial institutions, Internet enterprises and other enterprises. Due to the weak financial professional foundation of some issuers, especially the lack of mandatory technical security standards in China, there are serious management loopholes and security risks in e-money issuers. System software or hardware failures will affect the availability of e-money. Secondly, the unreasonable structure of assets and liabilities and high concentration of investment will lead to the lack of liquidity and the risk of default. In addition, the payment and circulation of e-money rely heavily on all kinds of networks, and there are all kinds of operational risks, such as deliberate embezzlement of other people's accounts, internal crimes of issuing institutions and malicious intrusion of hackers, which will damage the interests of e-money holders. Bitcoin, Ruitai and other digital currencies are suitable.

3. It is definitely recommended that you register with easybtc. Relatively speaking, the safety factor of this platform is among the top.

4. Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is a kind of unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of specific virtual communities. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form
according to the notice on preventing the financing risk of token issuance, there is no approved digital currency trading platform in China. According to China's digital currency regulatory framework, investors have the freedom to participate in digital currency transactions at their own risk

warm tips: the above information is for reference only. Before investing, it is recommended that you first understand the risks existing in the project, and understand the investors, investment institutions, chain activity and other information of the project, rather than blindly investing or mistakenly entering the capital market. Investment is risky, so we should be cautious when entering the market
response time: December 11, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An Bank I know] want to know more? Come and see "Ping An Bank I know" ~
https://b.pingan.com.cn/paim/iknow/index.html

5. Swiss Institute of mathematics, network plus V certification, the information inside, easy to understand, the system completely answers your question. There are many other basic knowledge, including trading knowledge and skills.

6.

When bitcoin was first launched, a bitcoin could not buy a hamburger, but now a bitcoin can buy a car, which is the violence of virtual currency. The virtual digital currency led by bitcoin has let many investors see the dawn{ RRRRR}

we all like to save money, at most for a fixed period. A few people buy stocks, let alone virtual digital currency

the biggest risk of digital currency is instability. It is not a currency recognized by the International Monetary Fund. Bitcoin can not be traded directly, nor can it be used to buy things directly, because the number of bitcoin is limited. Therefore, many people feel that it is necessary to invest

and now many countries prohibit the transaction of virtual currency, because digital currency helps money laundering. Many people launder money through digital currency to evade supervision. Once the government finds it illegal, it will be unfavorable for the trend of digital currency

there is a lot of uncertainty in digital currency, and the biggest fear is the collapse of the whole system. In the end, there is nothing left, so there are risks in investment

7. There are many aspects of the investment risk of data currency. First of all, digital currency has no regularity of value, that is, it has no certain orientation in many aspects

8. Jinyong Heroes 3 is another series flash RPG game of Jinyong heroes after flash version of Jinyong Heroes 2<
Jin Yong Heroes 3 (hereinafter referred to as "Jin 3") has the following characteristics:
1. Rich props
the current version has included more than 300 kinds of weapons, armor, secret scripts, pills and catering items in Jin Yong's novels, which is a small number in the huge Jin Yong world system, But in a short and lean flash RPG game is also a large scale
2. Chongxue system
the upgrade of characters in the game will not directly increase the maximum limit of life and internal power, but obtain [cultivation value]. Through these accomplishments, you can get through the eight channels of the classic one by one. The opening of each acupoint and meridian will increase the maximum limit of life and internal power. If all the acupoints on a single meridian are opened, the internal skill attribute will be increased to make the move more powerful; In addition, some advanced internal and lightness mental skills also need to get through the relevant meridians before they can be cultivated
3. Carriage system
the core meaning of carriage system is teammate system. At present, there are more than 30 characters in Jin Yong's world who can join the leading role's team and accompany them to wander the rivers and lakes< There are several characteristics of team-mates.
A. in combat, team-mates are not controlled by players, and their behavior is determined by their AI.
B. team mates can't be upgraded directly, but when they attack and destroy an enemy, they will have a certain chance to gain a bonus of a certain attribute, or compete with the protagonist in [carriage], and the protagonist wins, or they can randomly increase a certain attribute of team-mates
C teammates have favorable rating. The higher the liking degree, the higher the value the teammates will improve each time they get the chance to improve their attributes. The cultivation of liking lies in giving away the favorite things of teammates at the banquet Present the props and treasures that teammates yearn for In a word, the higher your liking, the faster your teammate will grow
D acquisition of new martial arts by teammates. Through a special event or the protagonist to give its related props. For example, if Duan Yu was given the sword score of "six pulse sword", Duan Yu would learn the martial arts of "six pulse sword"
e teammates' martial arts are upgraded according to the number of times they are used. When their internal power is insufficient, the power of the move will decrease. This is also true of the protagonist
if you leave, some of your teammates will never be found; Another part can be retrieved through subsequent events. Therefore, every time you join a teammate, you should seriously consider it. When there are four teammates in the team, other teammates will not join. Remember
4. Martial arts system
A. in the game, martial arts can be divided into [fist and palm], [finger], [sword], [sword], [stick], [concealed weapon], [internal skill moves] and so on
b [sword], [sword], [staff], [concealed weapon] all need to be equipped with corresponding equipment to use moves, otherwise they will not be able to perform
C before the battle, players can set the martial arts icon in the shortcut bar. In the battle, the number keys 1-8 correspond to the martial arts of 8 positions in the 8 shortcut bar
d [fist palm], [finger], [sword], [sword], [staff], [concealed weapon] when the internal power is insufficient, the power will be greatly reced, but the moves can still be issued The number of concealed weapons will be consumed if you use it once
e [internal skill move] only when equipped with a specific internal skill will the corresponding martial arts appear at position 8 of the shortcut bar. The power of this martial art depends on the [internal skill] attribute, but when the internal power is insufficient, it can't be used completely. Although it is powerful, it consumes a lot of internal power
f the range of martial arts can be divided into horizontal, vertical, whole and indivial. The maximum number of enemies is six in two platoons. When the people in the first row are not eliminated, you can't hit the enemy behind them by using single range martial arts
G martial arts are upgraded by the number of times they are used. The higher the savvy, the faster the upgrade will be. After upgrading, the attributes of the corresponding categories will be improved
H battle shortcut keys
1 ~ 8 correspond to 8 positions. Martial arts 0 is a common attack
qwe corresponds to the props set on the props shortcut bar
zxc selects the enemy. At present, the aperture under the enemy's feet is the target of the protagonist's attack. The target is not controlled by the player
I from the perspective of combat participation, combat can be divided into single challenge of protagonist and group fight of teammates; According to the battle result, it can be divided into plot battle and life and death battle, that is, if you lose, you will win the battle and you will end up destroying all the enemies; The failure of the battle begins when the protagonist's life is hit to zero
5. The map of the Central Plains
is more abundant than Jinyong Heroes 2. Among them, there are 21 well-known sects in Jinyong's world, which can be used for practicing martial arts and annexing. That is to say, as long as you are powerful enough to unify many sects in the Jianghu, it is not impossible for you to have an addiction to the emperor of Wulin
6. Events
there are two kinds of events in golden 3
one is announcement event, which is similar to task release. Different tasks will be released every month for players to complete, and each time players enter the game, they will receive different announcement events
the other is adventure. This requires players to seriously find out when wandering in the world
most of the announcement tasks are based on the original events of Jin Yong's novels
after completing the announcement task or the adventure in the Jianghu, the result may also be to join new teammates, learn new martial arts, and obtain new secrets...

7 time
the time in the game passes according to the player's behavior. According to the plot arrangement, the player's [River and lake career] is only two years, and after two years, he will enter the so-called [doomsday robbery] [decisive battle]! Therefore, players must carefully plan their daily life in the game world, and don't wait until they are finally knocked down to the ground to regret for their mediocrity...

8 schools to learn from
currently, there are 5 schools to learn from. But the admission conditions are very harsh, and part of the story is hidden. Please feel patiently. The sects are Shaolin, Wudang, Huashan, Quanzhen and Gumu

9 with instructions
a this game supports custom avatar function. Please prepare 60 * 71 head picture in advance
if the picture is stored in the Internet space, you can directly fill in the network address of the picture in the [picture address]
if the picture is local, please refer to the following format:
file: / / / G: / / avatar. JPG
is to add "file: / /"

b "Gold 3" will inherit the [super initial archive] generated by "gold 2" after customs clearance. But the premise is that this archive is generated by playing "golden 2 plus" online on the website, and the locally generated one cannot be inherited temporarily. And must be in the same website, namely in a website play "gold 2 enhanced version" generated archive, also only a website "Gold 3" can inherit. This is determined by the characteristics of flash itself. At present, the author is still thinking about how to improve it in the future

C in this game, the role of sleep is to replenish life internal power and save

d this game can't be played locally for the time being, because it will cause exceptions

e there may be some bugs in this version. Please leave a message on the author's blog in time http://blog.sina.com.cn/JYgame

f the game material is from the Internet, part of which is original by the author. Most of the game picture resources right for the original game proction company all! If it violates your legal rights, please contact the author: XO_ [email protected] This game is made by the author. Please do not modify or crack it without permission,

1.06 repair content
[fix] when Yan Honglie was killed in the capital city, he was killed at the airport.
[fix] the bug that blacksmith ore couldn't get weapons.
[fix] the date when he left the school at the end of the year bug
[fix] life becomes negative bug
[fix] Huang Rong can't join the bug.
[fix] the medicine is invalid bug.
[fix] Ren Yingying's mission is black Screen bug
[correction] Wudang faction danfang Yu Lianzhou el crash bug
[correction] niujiacun cycle killing robbers bug
[correction] unable to learn wind Sabre bug
[correction] niujiacun ancestor Qianqiu tea selling bug
[correction] ice silkworm task win will crash bug
[correction] internal skill upgrade text prompt error
[add] ancient tomb martial arts beauty boxing
Add] the plot of siguoya and some martial arts of Huashan sect
[add] the function of fighting and escaping in the sect
[note] teammates are in the team, but they can't fight. There are only two reasons: one is that the opponent points out that he or she wants to fight with you alone; the other is that his or her teammates are seriously injured and can't fight with him or her life is 1.

update of version 1.07, Nun Dingyi has no fighting image bug
[fix] can't detoxify bug
[fix] Hengshan sect can't leave bug
[fix] innocent special effect bug appears in the game
[fix] the countdown to doomsday robbery 30 days prompt circulation bug
[fix] the problem will be recovered if the cultivation point changes life internal power
[fix] heartbreak grass can't cure Yang Guo bug
[fix] sect Skills don't show level bug
[fix] card problem of women's clothing for teammates
[fix] Huang zhenchu won the fight and couldn't get goods bug
[fix] Tian Guinong's task couldn't get cold moon sword bug correctly
[enhance] the effect of bear gall and snake gall
[enhance] improve the initial ability of the protagonist
[rece] the difficulty of obtaining some secret scripts

9.

The contract transaction of digital currency is not safe. There are still many loopholes in the digital currency trading platform, for example, the most common ones are as follows:

1. Denial of service attack

denial of service attack is the most important attack against the digital currency trading platform at present. Through the denial of service attack, the attacker makes the trading platform unable to access normally, while the user cannot accurately distinguish the attack degree, It often leads to panic asset transfer, which brings some loss

10.

Hello, the central bank mainly takes the following measures to prevent and control financial risks:

1. Comprehensively use a variety of monetary policy tools, improve the macro Prudential policy framework, further optimize the credit structure on the basis of appropriate total amount, adjust the supply of money and credit, and maintain a reasonable scale of social financing. We should continue to optimize liquidity management, reasonably arrange tool mix, term structure and operation strength according to the changes in economic and financial situation and capital flow, keep the liquidity of the banking system at an appropriate level, and reasonably guide money market interest rates. Flexible use of interest rates and other means of price control to regulate capital demand and investment and savings behavior, and promote the stability of the economy and the overall price level. We should improve the macro Prudential policy framework, combine the total adjustment of monetary credit and liquidity management with the strengthening of macro Prudential Management, and appropriately adjust the relevant parameters according to the changes of economic climate, the steady state of financial institutions and the implementation of credit policy, so as to give full play to the counter cyclical adjustment function of the dynamic adjustment measures of differential reserves

Second, optimize the credit structure to better serve the development of the real economy. We should strengthen the coordination between credit policy and instrial policy, promote the evaluation of the guidance effect of credit policy, guide financial institutions to grasp the rhythm and structure of loan delivery, and ensure that there is pressure, support and control. We will innovate financial procts and services, and further increase effective credit investment in enterprises that conform to instrial policies, especially small and micro enterprises, and key projects under construction or renewal. We should build a multi-level, diversified and moderately competitive rural financial service system and increase the support for agriculture, rural areas and farmers. We will focus on supporting livelihood projects, especially affordable housing projects, underdeveloped areas, scientific and technological innovation, energy conservation and environmental protection, strategic emerging instries, and technological transformation of enterprises. We will strictly control loans to instries with high energy consumption, high pollution and overcapacity

Thirdly, we should steadily promote the reform of interest rate marketization and RMB exchange rate formation mechanism. We should accelerate the cultivation of market benchmark interest rate system, guide financial institutions to enhance their risk pricing ability, and actively explore effective ways to further promote the marketization of interest rates. We should further improve the RMB exchange rate formation mechanism, enhance the two-way floating flexibility of the RMB exchange rate, and maintain the basic stability of the RMB exchange rate at a reasonable and balanced level. Accelerate the development of foreign exchange market and promote the innovation of exchange rate risk management tools. In line with market demand, we will steadily expand the variety and scope of cross-border RMB business. We will further do a good job in the settlement of cross-border trade and investment in RMB, do a good job in monitoring and supervising the cross-border flow of RMB, explore indivial cross-border RMB business, and continue to promote the listing of RMB transactions in the interbank foreign exchange market against emerging market currencies. We should pay close attention to the impact of changes in the international situation on capital flows and strengthen the monitoring and early warning of cross-border capital flows

Fourthly, promote the standardized development of financial market and deepen the reform of financial institutions. We should vigorously develop the financial market, optimize the financing structure, continue to encourage financial innovation, broaden the financing channels for small and micro enterprises, strengthen the construction of financial market infrastructure, and actively and steadily promote the opening of the inter-bank bond market to the outside world. We will further promote large commercial banks to improve the modern financial enterprise system and speed up the transformation of the distribution mode. We will make solid progress in the pilot reform of the Agricultural Bank of China's "three rural finance division.". We should comprehensively consider the overall development of policy finance, adhere to the principle of classified guidance and "one bank, one policy", deepen the commercialization reform of China Development Bank, and steadily promote the reform of Export Import Bank of China and Agricultural Development Bank of China

Fifthly, effectively prevent systemic financial risks and maintain the stability of the financial system. Strengthen macro Prudential Management and guide financial institutions to operate steadily. Strengthen the monitoring and analysis of private lending, real estate, government financing platform, timely grasp the risk situation, handle the relationship between the reasonable growth of credit and the improvement of bank loan quality from the overall, systematic and long-term perspective, and do a good job in risk warning and prevention. We should guard against cross instry and cross market risks, and guard against the risk transmission from informal finance and other related fields to the financial system. We should not only prevent the spread of financial risk, but also prevent the emergence of moral hazard, and keep the bottom line of regional systemic risk{ RRRRR}