Benefits of central bank digital currency
paid for Alipay and WeChat? Is it convenient? Then the central bank's digital currency will make you feel so convenient. And the most important thing is that the central bank belongs to the state, which, in terms of security, makes people feel more at ease . Most importantly, using the central bank digital currency, you will find that it can burst the existing Alipay and WeChat payment. RRRRR}
how to use digital currencyabout how to use it, it is very simple for people who are used to digital payment. Code scanning payment, remittance transfer and collection and payment code are often used in daily life. With a mobile phone, there is everything. However, the people's Bank of China has also launched touch payment, which is more interesting. It only needs to touch payment on the premise that both sides have digital wallets. Although this is a bright spot, it still needs a lot of consideration. Although we don't know the specific operation mode, it sounds very interesting. In addition, there are wallet management, wallet attachment, DC exchange and query. Among them, there is no detailed introction about the attachment of wallets, but the visual inspection should be related to third-party organizations and other services. In general, as long as you download the digital wallet on your mobile phone, you can see it at a glance
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
The digital currency developed by the central bank has such a definition: encrypted digital string representing specific amount guaranteed and signed by the central bank . In a broad sense, digital currency includes a wide range of aspects, including electronic currency, virtual currency and legal digital currency. But strictly speaking, the digital currency developed by the central bank refers to legal digital currency
electronic currency is the digitalization of legal tender, including our common bank cards, Internet banking, electronic cash, Alipay and so on. No matter what the form of these electronic money is and through which institutions it circulates, its original source is the legal money issued by the central bank
In contrast, virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q coin and other game coins, such virtual currency is mainly limited to circulation in a specific virtual environment; bitcoin, for example, solves the problem of decentralization and distrust through blockchain technology, realizes global circulation, and is sought after all over the world. In other words, virtual currency can only be closed in the network circulation, and digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency, bitcoin is illegalthe digital currency researched and issued by the central bank is indexed RMB, which belongs to legal encrypted digital currency from the perspective of national schemes, and it is not only a payment tool but also a currency itself< the purpose of digital currency issued by the central bank is to replace physical cash, rece the cost of traditional paper currency issuance and circulation, and improve the convenience and transparency of economic transactions
hope to adopt
digital currency is an alternative to electronic currency. Both digital gold coin and password currency belong to digital currency. Digital currency can be basically divided into three categories:
1. Game currency that everyone is very familiar with. At first, the game currency obtained by players in stand-alone games can only be used by themselves in the game. With the establishment of the Internet portal and community, and the realization of game networking, these digital currencies have a "financial market". Players can directly trade freely, and can also trade online and offline
2. The special currency issued by the portal website or instant messaging service provider is used to purchase the services in the website. The main representative is QQ coin, which can be used in QQ's own mall
3. The most representative digital currency is the encrypted digital currency on the Internet, such as bitcoin, lightcoin, dogcoin, etc. represented by bitcoin, it is an electronic currency generated by open-source P2P software, which can query the source and circulation by using blockchain technology, and is an open-source encrypted, circulating and trading digital currency. It is mainly used for Internet financial investment, and can also be directly used in daily life as a new currency< What are the benefits of digital currency
it is not unreasonable that the central bank is preparing to study the issue of digital currency. Issuing digital currency can rece the high cost of issuing and circulating traditional banknotes; Enhance the convenience and transparency of economic transaction activities; Rece money laundering, tax evasion and other criminal activities; Enhance the central bank's control over money supply and circulation; To better support economic and social development and help Inclusive Finance realize in an all-round way; It also helps to build a new financial infrastructure, further improve the payment system, enhance the efficiency of payment and clearing, and promote the upgrading of economic quality and efficiency
the overall benefits are cost rection, convenient supervision and favorable to the financial system. In addition, what are the benefits to our common people, investors and major enterprises
now is the age of Internet, the evolution of currency is an inevitable trend, and currency digitization is undoubtedly in line with the trend of social development
nowadays, there are digital currencies of different sizes in the market. Although these digital currencies can not be regarded as legal currencies, they are more used as a financial investment project and a new technology in the future. Not only that, bitcoin, the first digital currency, circulates in every corner of the world just like money, but also has the characteristics of transaction, collection and convertibility. We can exchange digital currency for any country's currency, or use digital currency to buy offline real goods. At the same time, we can also do online payment like Microsoft and steam. People use it to pay, buy goods and exchange money; Investors use it for financial management and investment; Enterprises use it to develop more uses, constantly innovate science and technology, or promote their own procts. With the continuous progress of science and technology and the continuous development of digital Internet, the benefits of digital currency or the instries and technologies derived from digital currency are unimaginable in the future.