The reason and significance of the emergence of RMB digital curr

1. The issue of digital currency has many benefits and is imperative. According to the central bank, digital money and paper money will coexist for a long time to come. When people go to the bank to withdraw money, they can not only withdraw cash directly, but also exchange it into digital currency. In Xiaobian's opinion, the establishment and issuance of digital currency system can not only make people's transactions more convenient and safe, but also graally weaken the proportion of paper money in the real circulation, which will also have a positive impact on the electronic disk of postal money card
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. In the new environment of payment and circulation, the traditional paper money will become a symbol of an era and a memory of people. The paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer coins will also stimulate their prices to rise in this situation. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management, which is worth looking forward to Sohu)
however, digital currency does not have to be used for payment. Some domestic application-oriented digital currencies have begun to find another shortcut and come out with a different truth. For example, coin Ying China crowdfunding project token; Puyin group launched the tea based digital currency Puyin.

2. Hello, with the continuous development of modern science and technology, digital information technology is more and more developed, and the developed countries in the world are slowly promoting the process of digital currency
therefore, as the world's second largest economy, we need to develop and implement digital currency
the above are my personal suggestions, which I hope will be helpful to your questions.

3.

1. For commercial banks and other financial institutions, it is both an opportunity and a challenge. In the future, more innovations such as digital credit, digital assets and digital liabilities will be derived from digital currency, while the non sovereign "digital right currency" will graally cool down. In addition, the central bank can improve the efficiency of monetary operation monitoring and enrich monetary policy means after the issuance of digital currency

2. Issuing the legal digital currency of the central bank will make it possible to collect the data of money creation, bookkeeping and flow in real time. After data desensitization, it will conct in-depth analysis through big data and other technical means, so as to provide a useful reference for money supply, formulation and Implementation of monetary policy, and provide a useful means for economic regulation and control

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characteristics of digital currency

Central Bank digital currency is quite different from electronic payment in some functions. In the past, the fund transfer of electronic payment instruments must be completed through the traditional bank account, which adopts the way of "account tightly coupled"

and the central bank's digital currency is "account loose coupling", which can be separated from the traditional bank account to realize the value transfer and greatly rece the dependence of the transaction link on the account. The digital currency of the central bank can be as easy to circulate as cash, which is concive to the circulation and internationalization of RMB. At the same time, it can realize controllable anonymity