Digital currency issued by female doctors

1.

As of September 2019, the central bank's digital currency has not been issued

the development history of the central bank's digital currency is as follows

in 2014, the Central Bank of China set up a special research team to conct in-depth research on the framework of digital currency issuance and business operation, key technologies of digital currency, issuance and circulation environment, and legal issues faced

in January 2017, the central bank officially established the digital currency Research Institute in Shenzhen

in September 2018, the Institute of digital currency built a trade finance blockchain platform

On July 8, 2019, at the launching ceremony of the digital finance open research program and the first academic seminar, Wang Xin, director of the Research Bureau of the people's Bank of China, disclosed that the State Council has officially approved the research and development of the central bank's digital currency, and the central bank is engaged in corresponding work in organizing market institutions

on August 2, 2019, the central bank said at the second half of 2019 work video conference that it would speed up the research and development of legal digital currency

on August 10, 2019, Mu Changchun, deputy director of the payment and Settlement Department of the central bank, said at the Yichun forum of 40 people of China finance that "the central bank's digital currency can be said to be ready"

on August 18, 2019, the CPC Central Committee and the State Council issued their opinions on supporting Shenzhen to build a leading demonstration zone of socialism with Chinese characteristics, which mentioned supporting innovative applications such as digital currency research in Shenzhen

on August 21, 2019, the official micro blog of the people's Bank of China released two articles on digital currency. One is fan Yifei, vice president of the people's Bank of China, who was published in January 2018, talking about some considerations of digital currency of the people's Bank of China. The other is mu Changchun, deputy director of the Department of payment and settlement, who delivered a speech in Yichun on August 10

extended data:

practical significance

the digitalization of central bank's currency helps to optimize the central bank's monetary payment function, 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

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

operation system

fan Yifei, vice governor of the people's Bank of China, said in the article that the digital currency of the people's Bank of China should adopt a two-tier operation system. This model does not change the relationship between creditor's rights and debt of currency in circulation, does not change the existing money supply system and al account structure, does not constitute a competition for commercial banks' deposit currency, and does not increase commercial banks' dependence on the interbank 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

2. By digital currency, the central bank means to digitize RMB rather than issue a new currency independent of RMB
some people who issue digital currency against the central bank are deceiving.

3. There are not too many reliable domestic digital currencies. Generally, most excellent digital currencies are imported procts, such as bitcoin, Leyte currency, ether currency, etc
however, Yuanbao coin, Ruitai coin, bitcoin and the tokens of different crowdfunding projects in Europe are excellent digital currencies.

4. The central bank's test of digital currency does not mean the popularity of digital currency in China. The digital currency issued by the central bank will first be applied to the bill market. It is feasible to use digital currency to issue red envelopes after the Spring Festival, but it is unrealistic to use the digital currency issued by the central bank to issue red envelopes. The scope of digital currency issued by the central bank is still limited
however, it is very realistic to use bitcoin, Puyin, Laite coin, dogcoin and other digital currencies to send red envelopes, which has been done since last year.

5. Bitcoin and other virtual tokens have been defined as asset securities by the United States. China's courts recognize the nature of assets, but it's very dangerous. Like gambling, once manipulated, it will only lose out. Now it's the market of makers. On the surface, it's centralized, but graally it has a center

6. mining is mainly enough graphics card, memory and CPU requirements are not high. The problem is that the graphics card needs at least gtx1060. And generally use the graphics card shelf, with six graphics cards at a time, so the motherboard requires six graphics cards and six graphics card slots, or use the adapter card to drive six graphics cards
in addition, the power consumption of the mining machine is very serious. If you turn on the machine 24 hours a day, you may not be able to earn back the electricity bill at home
Mining studios are usually built in remote places where there are private small hydropower stations, because the electricity price of private small hydropower stations is low.

7. Bitcoin mining uses computer hardware bitcoin network to do data calculation for transaction confirmation to improve security and provide service to reward miners. The confirmed transaction includes renewal fee and newly created bitcoin. Bitcoin also has a hype mode. Similar to bitcoin, there are also flow ores. Flow ores also have ways of trading and speculation, but the mining principle of flow ores is different from bitcoin. Flow ores mainly collect the idle bandwidth of miners and give them rewards.

8. In 2016, the central bank did not issue digital currency, but in 2016, the central bank led a digital currency seminar in Beijing. The relevant person in charge of the central bank said that digital currency should be launched as soon as possible. But later, Zhou Xiaochuan, the Central Bank of Hangzhou, said that the time for issuing digital currency is not ripe, and it may take ten years. Moreover, the design concept of the digital currency to be issued by the central bank is different from that of the digital cryptocurrency such as bitcoin, Ruitai coin and Laite coin, which is not a decentralized digital currency.

9. Digital currency is not issued by banks. Now the market is not standardized and the supervision is not good. It is suggested that investment should be cautious.