Digital currency Research Institute Suzhou
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
reference materials
network digital currency
Recently, there is relevant news that the central bank's digital currency is about to fall, which has attracted most people's praise. The relevant person in charge of the digital currency Research Institute said that the research and development of digital RMB is steadily advancing. At present, closed pilot projects have been carried out in Shenzhen, Suzhou and other places, and the functions are being continuously optimized and improved< Strong> after the central bank issues digital money, the daily payment will no longer need real name, nor do it need to use Alipay and WeChat to pay. It will bring great convenience to our life, and at the same time, it will change a lot. RRRRR}
the issue of digital currency is a trend, which will bring convenience to our lives. It also indirectly reflects the development of currency and social progress. After the use of digital currency, there will be a severe crackdown on crimes and other acts. The difficulty of money laundering will increase and criminal acts will be reced. The flow of money can be effectively queried through mobile app records, which has a great impact on social life
In early 2014, the Central Bank of China set up a special research group on legal digital currency to demonstrate the feasibility of issuing legal digital currency by the central bank. On January 29, 2017, the central bank officially established the digital currency Research Institute. After the successful development of the prototype of legal digital currency, the digital currency Research Institute of the people's Bank of China has tried to deploy institutions in many parts of the country, and through the integration with R & D institutions and instries, it has achieved the research results of financial development technology. In 2018, the digital currency Research Institute of the people's Bank of China successively settled in Nanjing and Shenzhen. In 2019, the people's Bank of China announced that digital currency will be piloted in Shenzhen, Suzhou, Cheng and xiong'an
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the research on Shenzhen's support for digital currency began in 2016
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on October 6, 2017, the Management Committee of xiong'an new area held a special meeting to study the big data management system and mechanism and the basic idea of "digital xiong'an" construction, and fully promote the construction of "digital xiong'an". Soon after the meeting, all kinds of enterprises were inspired to build xiong'an new area into a "test ground" for innovation
on October 14, 2017, Peng Yijie, vice president of ant financial services and partner of Alibaba group, and his party went to xiong'an new area to report the blockchain construction plan. Peng Yijie's evaluation of xiong'an new area is: the best soil for building blockchain. On November 8 of the same year, xiong'an New District held a docking meeting with Alibaba group. Alibaba and ant financial services will undertake the construction of digital xiong'an blockchain infrastructure platform, and are expected to take the lead in testing the water in the rental scene
on November 23, 2017, Tencent and xiong'an new area signed a strategic cooperation agreement on financial technology, and both sides established Tencent (xiong'an) financial technology laboratory to test big data risk control system, Tencent cloud based blockchain services and other financial black technologies in the new area
on April 21, 2018, xiong'an New District of Hebei Province issued the outline of the planning for xiong'an New District of Hebei Province, which proposed to develop high-end high-tech instries, and lay out the R & D and test of blockchain, terahertz, cognitive computing and other technologies in advance. Blockchain has been written into the outline of xiong'an New District Planning in Hebei Province. A technology with advanced influence and far-reaching significance begins to grow together with a rising Digital City shouldering historical mission
on June 8, 2018, China Academy of information and communication signed a strategic cooperation agreement with xiong'an new area. The two sides will build a scientific research base in the field of information and communication in xiong'an new area, and provide comprehensive support services such as development strategic planning, standards and policy formulation for the construction of the new area, focusing on 5g, instrial Internet, artificial intelligence, blockchain, network security, military civilian integration, information technology and so on In the field of Internet of vehicles and other fields, Beijing Tianjin Hebei high tech innovation comprehensive service platform and innovation and entrepreneurship demonstration base will be built to promote instrial innovation and development
on June 28, 2018, xiong'an New Area officially signed a strategic cooperation with 360 group. 360 group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields to provide comprehensive network security services for the construction of a safe and reliable "digital xiong'an"
on July 23, 2018, xiong'an group of China signed a memoranm of understanding with consensys, a blockchain technology company. Joseph Rubin, the founder of consensys, etc., made suggestions to xiong'an group of China on how to use blockchain technology, hoping to apply his knowledge and experience in blockchain ecosystem to xiong'an's projects and support xiong'an's innovative development mode
on December 21, 2018, Hebei xiong'an branch of Bank of communications was opened. The branch will rely on the head office's professional R & D team and strong R & D strength, rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms, constantly innovate the financial business model, and make greater contributions to the construction of green xiongan, smart xiongan and digital xiongan
on May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of ICBC, opened its business in xiong'an new area and became the headquarters of banking financial technology company in xiong'an new area. ICBC technology and Management Committee of xiong'an new area signed the memoranm of financial technology cooperation, and Management Committee of xiong'an New Area officially started the operation of xiong'an resettlement fund management blockchain platform, which will apply the block chain technology of ICBC to realize the whole process chain management of original files of resettlement and fund penetrating allocation
on December 25, 2019, Everbright Bank and digital city company of China xiong'an group will jointly build a "digital financial technology laboratory" in xiong'an new area. Guided by the strategic needs and information construction of xiong'an new area, it will graally build a highland of blockchain commercial application research, technological innovation and talent cultivation
on March 31, 2020, xiong'an blockchain laboratory was officially unveiled. Xiong'an blockchain laboratory has three major goals: to become a new highland of blockchain research and application, an open frontier innovation base, and to explore a new model of laboratory economy. At the third anniversary of the establishment of xiong'an new area, xiong'an blockchain laboratory has special significance, which marks that the innovative practice of xiong'an New Area's blockchain has entered the stage of organization and large-scale landing, and marks a new chapter in the synchronous planning and construction of digital city and physical city in xiong'an new area
xiong'an new district is a digital city forest that has been cultivated from the seed, which is naturally suitable for the central bank's digital currency pilot. Shanghai xiongan, Shenzhen, Cheng on the left and Suzhou on the right are looking forward to the central bank's digital currency pilot projects in these four places, which will spread to the world
and the fund is safe
are you excited to hear such propaganda
she claims to be a part-time job, making money by buying and selling digital currency
recently, Ms. Li from Handan city told reporters about her troubles. In 2019, she was introced by an acquaintance and invested in digital currency through the mobile platform software called "mark exchange" (hereinafter referred to as mark). After earning a small part of her income, now the platform is suddenly unable to open, and her investment of tens of thousands of yuan has not been recovered. Ms. Li said that there are many people around her who have invested in digital currency on "mark", and they have been "set" hundreds of thousands of yuan in total
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according to Ms. Li, she usually takes care of her children at home and has no time to go out to work. One day in October 2019, she accidentally came into contact with mark, a digital currency trading platform, from a friend. Her friend said that this platform is easy to operate and has special guidance. She buys digital currency at a low price and sells it at a high price, earning a price difference from the middle and trading once every four days, If you invest 10000 yuan, you will get hundreds or even thousands of income every month. You can earn some milk powder money for your children. Looking at her friend's investment in digital currency to make money, Ms. Li was also excited, so she asked her friend for the mobile phone number and micro signal of Tutor Wang
later, Ms. Li was pulled into a wechat group by Wang. There are many people in the group, all of whom are netizens from all over the country. There are executive directors, directors and group leaders in the group. There are "teachers" teaching about digital currency investment every day, claiming that digital currency investment has high profits and fast returns. There are many people in the group drying profit screenshots every day, saying that the platform is very safe, reasonable and legal, not pyramid selling, and dispelling the group's skeptical attitude. Under the temptation of profit, Ms. Li finally decided to try to invest in digital currency. She downloaded the mark software app according to the prompts, operated the registration information step by step and opened the account. Then, she transferred 10000 yuan to the account provided by Wang, and started the day of making money by playing mobile phones at home...
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Ms. Li said that after opening an account on the platform, she would buy ALB (a kind of digital currency) at a fixed time according to the guidance information in the group, and sell it at a fixed time. After four days of a series of operations, she successfully earned dozens of yuan from Wang. After several operations, Ms. Li believes that this platform can really make money. Half a year after the operation, the instructor in the group said that the more she invested, the more she earned, so she transferred nearly 100000 yuan to Wang one after another
Ms. Li said that Mr. Wang is from Baoding. They have a team. In addition to exchanging information and doing tasks in the group, they occasionally organize offline training. This team has concted offline training activities in Handan, Shijiazhuang and Tianjin, and many people participate in each time. During this period, Ms. Li met many "Baoma" like her. They also joined this group and invested thousands to tens of thousands of yuan. They all wanted to earn pocket money through mark
in the end, people still didn't earn back their capital. Ms. Li told reporters that on October 17 this year, we found that mark could not be opened and normal trading could not be carried out. She talked to Wang on the phone in time. The explanation given by the other party was that there was an "OK" exchange suspected of money laundering. Mark coordinated the police investigation. After the police confirmed that there was no problem with mark, the platform could return to normal. But more than 20 days later, mark still couldn't be opened, and netizens who posted negative news in the group were kicked out of the group. Now, the managers have changed their nicknames, and many more groups have been disbanded. These abnormal actions make us doubt mark and vaguely feel cheated
Ms. Li said that ring this period, she contacted Wang many times, hoping that the other party would return her money, but Wang shirked, saying that she was also a victim. In order to recover the capital, Ms. Li found many other victims, and roughly estimated that the total loss was as high as hundreds of thousands
Ms. Li said that at present, they have reported the case to the police. The police told them to go home and wait for assistance in the investigation. Ms. Li said helplessly that there are still "managers" who say that they have not been cheated, they just suspend trading and can recover profits through other ways, and that the alarm is not concive to solving the problem. But people can't believe each other anymore
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according to Xiaolin in Xiamen, as of October 16, there were about 100000 people suspected of participating in "position management" all over the country, involving about 2.5 billion yuan. Xiamen Wu's team has 800 million yuan, and Quanzhou's executive director headed by Zheng has more than 99 million yuan. Now there is no money. The people who will do this are those who have no money and want to earn more living expenses
in response to this matter, Liu Jianqiang, a lawyer of Hebei Shili law firm, said that Ms. Li and others were suspected to have encountered online digital currency trading fraud. Since Ms. Li transferred the money to Mr. Wang, she can directly ask for it from Mr. Wang. If Mr. Wang has no legal basis for charging for the money, she should return it to Ms. Li. If the request fails, she can report to the police for fraud; Or go to the court to sue Wang and get the money back through legal channels
after searching the Internet, the reporter found that people all over the country complained about being fooled by mark. Some people in the instry pointed out that mark platform invests funds through the offline development of its members. What it actually plays is the capital game. The transactions on the platform are actually false transactions controlled by the platform. As long as the development of its members is blocked, the capital chain will break and run away at any time< In fact, in recent years,
there have been many cases of swiping bills and being cheated.
we must keep our eyes open,
don't let small gains lead to big losses.
Li Bin, director of the macro Prudential administration of the people's Bank of China, disclosed on April 12 that the pilot test of digital RMB will be launched successively in Shenzhen, Suzhou, xiong'an new area, Cheng and the future Winter Olympics scenarios by the end of 2019, and six pilot test areas will be added in October 2020, including Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian at present, the pilot scope of digital RMB has been expanded in an orderly way, and the application scenarios are graally enriched
the number of participants, the number of transactions and the exchange amount of digital RMB pilot test are generally small, and the use scenarios cover many fields, such as living expenses, catering services, transportation, shopping and consumption. At present, digital RMB is generally in the pilot test stage, and there is no timetable for its official launch
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status is equivalent to cash RMB
according to the official definition, digital RMB is the legal tender in digital form issued by the people's Bank of China, which is operated by the designated operating institutions and exchanged to the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, and is equivalent to banknotes and coins. In other words, digital RMB can be simply equivalent to cash RMB, only in different forms, but with the same legal compensation as cash
legal compensation means that any unit or indivial can not refuse to pay all public and private debts in China with digital RMB. For the compensation, the central bank's digital money research institute director Mu Changchun has a more popular explanation in the "get" course. "We see that now the private payment agencies or platforms will set up various payment barriers. WeChat can't use Alipay anywhere, and Alipay can't use WeChat. But for the central bank's digital currency (Digital RMB), as long as you can use electronic payment, you must accept the central bank's digital currency. "
the first feature is that it has a wider range of use, and can be consumed online and offline. Online is Jingdong Mall, including online mall, Jingdong's five-star appliances, Jingdong home, Jingdong convenience store and other offline scenes. It can be used by nearly 10000 offline designated merchants, covering shopping malls and supermarkets, daily retail, catering consumption, life services and other categories. The second point is that the requirements of applicants have become higher. Shenzhen only needs the applicants to be in the local area. Participants in Suzhou need to meet one of the following conditions: there is one (or more) normal social security payment record in Suzhou in recent three years (monthly); If registered residence or temporary residence is satisfied within the scope of Suzhou municipality, it can be applied according to the proceres.
this year, the development speed of digital RMB pilot is accelerated, and the laying scene is more and more comprehensive. Not only are the number of pilot cities increasing, but the digital currency Research Institute of the central bank has successively reached strategic cooperation with Internet companies such as Jingdong Digital Technology Co., Ltd., Didi, meituan and BiliBili. But fast progress is not the goal. Fast and good development is our goal. In each test, we should sum up the experience and pay attention to whether the communication between different departments is smooth and whether the cooperation is tacit