Statistics of digital money supply
The digital RMB red envelope of 10 million yuan issued by Shenzhen city has brought the development of e-money back to the people's vision
in fact, since April 2020, small-scale pilot projects of digital RMB have been carried out in Shenzhen, Cheng, Suzhou and xiong'an, and the pilot scale will be expanded to 28 provinces and cities in August 2020
as a socially recognized "super outlet", in addition to the high investment of digital currency related enterprises, its impact on the financial market is also of great research value
Policy evolution of the development of digital RMBas early as 2014, the central bank has concted research layout on digital RMB, and discussed the development framework of digital RMB with major international financial institutions and research institutions in the 2016 digital currency seminar
after six years of development, China has initially developed the "pbctfp blockchain platform" and continuously promoted the pilot activities of digital RMB. It can be predicted that as today's technology and policy outlet, digital RMB will have excellent development prospects and extremely fast development speed in the next few years
Figure 1: Policy Evolution of digital RMB
with the improvement of China's national strength, digital RMB provides an opportunity to establish a "new system of RMB cross border settlement", which can promote RMB payment activities around the world and realize the internationalization of RMB
the well-known digital currencies in the currency circle include bitcoin, Ruitai coin, Laite coin, doggy coin, etc.
is it a reliable currency? Just compare it with the mainstream currencies such as bitcoin, Leyte, decent and ether.
the "bee car" that I contacted recently is a value-added service operator of automobile insurance, which mainly solves the pain point of the "small scratch and small rub" application scenario of the car owners group, and helps to establish the connection and access path between the insurance channel and the car owners through the Internet blockchain and other technical means and the operation mode (maintenance fund) of mutual assistance of community members, Enhance the group of car owners and improve the anti risk ability
specifically, bee car provides a compliance and attractive maintenance project, which enlarges the handling charge of vehicle insurance to four times the cash value. For consumers, it is more cost-effective to insure, while for insurance companies, it can prevent disasters and rece losses, and rece the cost of compensation. In the event of an accident, the proct provided by the bee car can offset the maintenance expenses without insurance. Because it is not included in the accident record, the premium will not rise
in terms of the resources needed to do this, Yu Kairui, CEO of bee car, told 36 krypton that the company started to do "Yalai technology" of social economy in 2014, and set up the corresponding social platform in 2015, including bee club and bee car. Among them, bee Club covers more than 1000 large and medium-sized NGO community organizations, including more than 2 million middle-class users in Guangzhou and Shenzhen. This year, Yalai began to explore community financial services
on the qualification resources of mutual insurance mode, bee car has established a cooperative relationship with Zhonghui mutual insurance to obtain domestic property insurance mutual insurance license and internet mutual insurance qualification, and provide support for proct design, actuarial and risk control related to mutual insurance
in terms of insurance companies and brokerage agency resources, bee car has reached cooperation with Tencent Weibo (a vehicle insurance channel based on wechat) to provide it with value-added services of vehicle insurance. In addition, bee car has signed cooperation agreements with PICC and Pacific, and reached cooperation intention with Ping An, Zhonghua, Anxin and AXA balance. Other partners of bee car include dolphin Baobao, Zhitong engine, etc
in terms of business model, bee car charges service fees from insurance channels, which comes from the handling fees of insurance companies. Therefore, the insurance channels do not need to increase the budget. At present, bee car has verified its willingness and ability to pay on a small scale
Fengche will charge a service fee of 1% - 3% of the commercial vehicle insurance premium, and its premium can reach up to 600 million yuan / year. In the first stage, it can achieve profit and loss balance. In terms of the company's cost, the bee car team has about 20 people, and the expenses for comprehensive administrative travel, server and third-party technical cooperation are about 500000 yuan per month
ANGEL round entrepreneurial team invested by itself, and China Science Merchants Group & China Science lechuang invested in round a in 2016. At present, bee car plans to finance round a, with the amount of 20-40 million yuan.
2. According to the latest statistics (as of November this year), the total amount of broad money is 71030 billion, and the 70 trillion you said is just a divisor for the convenience of reading and writing. It can be imagined that the 10 trillion US dollars you mentioned above is also a divisor, not an absolute one. I hope you don't put too much emphasis on the fact that these two figures are not equal. If you need to, you can divide 71030 billion by today's exchange rate of 66597, which is roughly equal to 10665.6 billion US dollars. It is more convenient to call it 10 trillion US dollars.
Many foreign brands with high recognition are familiar to customers: Infineon, Anson, Xiantong, Toshiba, St, STMC, NXP, AOS and so on. However, some domestic MOS transistors are also good. The new Jieneng MOS transistors have the characteristic process technology of shielding gate power and super junction power MOSFET. The parameter performance and sample delivery performance of some of their procts are similar to those of Infineon, SunOne, Toshiba, St, STMC, NXP, AOS and so on International brands such as Anson beauty are quite similar. Nanshan electronics is the authorized agent dealer of Changdian and new Jieneng MOS transistor
semiconctors. Its procts are easy to identify, and its model prefix IRF is basically theirs. You can go to Taobao Search, IRF LED power MOS is the most popular
others are Toshiba from Japan, Toshiba, Toshiba's power transistor and junction tube, which are all very good. There are many others, such as NXP, St, NS, UTC, Fairchild, Vishay and so on.