Can digital currency repay the loan

1.

It's illegal

the central bank indicated that it has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency

In addition, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud

extended information:

virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. This kind of virtual currency is mainly limited to circulation in a specific virtual environment. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency

in 2013, the central bank, together with five ministries and commissions, issued the notice on prevention of bitcoin risks, which clearly defined non legal digital currencies such as bitcoin as virtual commodities, which do not exist in the form of currency and legal currency

2.

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

3. The depreciation rate of digital currency is basically calculated by seconds. There is no gain but loss in speculation
When did you ask him to earn it
being cheated once is unknowable, but being cheated twice is excusable. Being cheated three times is a muscle. Being cheated four times or more, I can only say that there are too few cheaters in the world to be used by your father alone.

4. If you need a small loan and hold a savings card of China Merchants Bank, you can also log in to the mobile bank of China Merchants Bank and enter the application page in my → all → my loan → my flash loan
the maximum loan amount is 300000 yuan and the minimum is 1000 yuan; Your specific amount will be approved according to your business situation in CMB, and you can view it after successful application.

5. At present, many people are doing the business of RMB / usdt in mortgage currency, but the reputation risk of the platform is relatively high. It is possible to misappropriate the user's money or store it in this way. Therefore, Xiao should evaluate the security of the platform from the following aspects:
1. Team. The team is not real name, is not in the country. Do you often show up in the instry. The domestic team can at least trace back to the end. People are all abroad, there is no guarantee
2. Platform resources. What are the background resources of the platform, whether there is relatively large institutional support, and whether the operation time is long enough, so that the brand credibility is higher if it is long enough
3. Technology. Xiao generally doesn't know how to evaluate the technology, just to see if there are frequent bugs and so on. The customer service feedback of the platform is timely. In addition, a third-party well-known security company audit is the best
morecoin.com mushroom digital asset lending matching platform has been running safely for two years, with a safe collection of over 500 million yuan. Accept the safety audit of slow fog technology. Welcome to experience and consult.

6. As of August 21, 2019, the digital currency Research Institute of the central bank has applied for 74 patents for the design of digital currency
this model does not change the relationship between creditor's rights and debt of currency in circulation, the existing money supply system and al account structure, will not constitute a competition for commercial banks' deposit currency, will not increase the dependence of commercial banks on the inter-bank lending market, will not affect the lending ability of commercial banks, and will not lead to the phenomenon of "financial disintermediation". At the same time, because it does not affect the existing monetary policy transmission mechanism, it will not strengthen the pro cyclical effect under the pressure environment, and it can improve the convenience and security of payment, and it also has the credit advantage of central bank endorsement<
practical significance:
the digitalization of central bank's currency helps to optimize the central bank's monetary payment function and improve the central bank's monetary status and the effectiveness of monetary policy. The central bank's digital currency can become an interest bearing asset to meet the holder's reserve demand for safe assets, and can also become the lower limit of bank deposit interest rate. It can also become a new monetary policy tool. At the same time, the central bank can affect the bank's deposit and loan interest rate by adjusting the central bank's digital currency interest rate, and help break the zero interest rate lower limit
for reference.

7. China currency platform has mortgage loan. You can learn about
, mortgage currency
and see what others say.

8. We need to pay it back with the legacy.