Banks promote digital currency to businesses
It is illegal to buy and sell digital currency in China
according to the announcement on preventing the financing risk of token issuance jointly issued by the central bank and other seven ministries and commissions, the announcement points out that any so-called token financing trading platform shall not engage in the exchange business between legal currency and token and "virtual currency", and shall not buy or sell tokens or "virtual currency" as the central counterparties, It is not allowed to provide pricing, information intermediary and other services for token or "virtual currency"
the announcement points out that token issuance financing refers to the so-called "virtual currency" raised from investors through illegal sale and circulation of tokens. In essence, it is an unauthorized illegal public financing behavior, suspected of illegal sale of token tickets, illegal issuance of securities, illegal fund-raising, financial fraud, pyramid schemes and other illegal and criminal activities
extended information:
the central bank said that the so-called "digital currency" in the market is not legal digital currency:
the central bank's monetary Bureau issued a "risk warning on issuing or promoting digital currency in the name of the people's Bank of China" on its official website, saying that recently, indivial enterprises falsely use the name of the central bank, The relevant digital procts are labeled as "authorized issuance by the people's Bank of China", or the central bank's digital currency promotion team is falsely claimed, in an attempt to deceive the public and take the opportunity to make huge profits
the central bank said that the central bank 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. The central bank also suggested that 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
in fact, virtual currencies such as bitcoin and lightcoin are representatives of the so-called digital currency. The central bank said in 2016 that it was studying China's legal digital currency. Yao Qian, director of the digital currency Research Institute of the people's Bank of China, previously told the media that the prototype scheme for the central bank to issue legal digital currency has completed two rounds of revision, and is expected to be tested in relatively closed application scenarios such as the bill market in the future, but there is no clear timetable for its launch
The promotion of digital RMB is more like turning the paper-based RMB into the currency used in people's daily life to meet the demand of people's mobile payment. However, unlike the application payment software we use, there is no middleman to convert our currency, and there is no need for them to change their account balance{ RRRRR}
the mobile payment that we usually use is to transfer the money in your account to another person through the bank or through this application payment platform, which is similar to the direct consumption behavior in foreign countries, but there is another intermediary platform, so even if it is popular now, it still has some risks, if there is no intermediary institution, the risk will be reced a lot
Suzhou will open on December 12; Double 12 Suzhou Shopping Festival & quot; Activities. Just recently, Suzhou announced that it would issue a total of 20 million yuan of digital RMB consumption red envelopes to the citizens who meet the requirements. The amount of each red envelope is 200 yuan, a total of 10 red envelopes. The distribution method is lottery. At that time, some of the citizens who signed up for the lottery will participate in the offline wallet experience. Perhaps most of them, after seeing this news, are envious of the Suzhou people; What is digital RMB; This question will be raised again and again. So, what is the digital RMB? What is the difference between Alipay and WeChat, which we usually use? The three points above strong>
are the main differences between the digital Renminbi and Alipay and WeChat. In addition, the emergence of digital renminbi will not threaten the existence of Alipay or WeChat. The digital renminbi will not completely replace banknotes in a short time. After the official launch of the digital renminbi, the public can choose to use traditional banknotes or digital Renminbi by themselves. It is reported that since May, in some areas of Suzhou, a small part of civil servants' wages have been paid in digital RMB, while most of the rest are still paid in traditional ways, so the two are not contradictory
Digital RMB has not been officially launched, but has been experimented in several cities
if it is officially launched, all banks will provide digital RMB services
Digital RMB must be bound to the bank app, which is inevitable, but when paying, it does not need to be connected to the Internet