People's Bank of China digital currency Research Institute
The digital currency of the central bank is DCEP
the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency
The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous
extended data
Application of digital currency
I. fast, economic and safe payment and settlement
cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed
At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:3. Bill finance and supply chain finance
in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs
reference materials
network digital currency
For MBA candidates, they have passed the data application of layer upon layer screening, and they don't know how to start in the face of the interview in advance. Today, boyahui editor mainly summarizes the frequently asked questions and analytical answering skills of colleges and universities in recent years for MBA candidates. Hope to give MBA candidates some advice
What kind of people do you think are suitable for MBA There are the following types of people who are suitable for MBA: 1. They have certain working experience, most of them rely on their own professional and technical knowledge to engage in enterprise management, and have achieved certain success in practice. At the same time, this kind of enterprise executives also encounter many problems in the actual management work, and they are in urgent need of people who expand their horizons and enrich practical experience; 2. People who have rich practical experience, management ability and need to go back to supplement theoretical knowledge Why do you study MBA? What can I bring youto choose to read an MBA, we should give a comprehensive answer from the following aspects: 1. I have a low degree, in order to improve my ecation; 2. Improve my management ability, and reserve professional knowledge for future entrepreneurship; 3. Establish a wider interpersonal network; 4. Receive more extensive and systematic MBA knowledge training, and improve my ability; Can have broader career development space; Can establish a wider network of interpersonal relationships
What are the key factors for successthe key to success is not only to have savvy, talent and talent, but also to have good moral character and solid basic skills. Savvy and talent are innate qualities, but the basic skills and excellent qualities that indivials strive to acquire play a decisive role, No matter how good his ability is, what's the use
4. Which is more important, IQ or EQ
Generally speaking, EQ stands for sensibility and IQ stands for rationality. As far as managers are concerned, EQ is more important than IQ, because in the process of management, more people are involved in dealing with people, and the contact between people pays more attention to emotional communication, but it is not that IQ is not important. Managers' decision-making and system making all need rational basis. The ability of managers caused by EQ is mainly reflected in three aspects: first, communication ability; Second, decisiveness; The third is willpower. Therefore, EQ is more important than IQ5. What qualities should the most ideal working group have
answer from the following aspects: good political quality and ideological and moral quality, sense of responsibility and collective sense of members, mutual respect and love among members
6. Summary of advantages and disadvantages
to answer such questions, we must combine with MBA related knowledge, and closely focus on outstanding management ability, team consciousness, sense of responsibility, collective honor, innovation and other aspects. We should not make mistakes out of nothing and exaggerate them. For example:
advantages: good at learning from other people's experience and strengths. I like to learn from others, learn from others' experience and enrich my mind. Secondly, innovation. Every year, I am in charge of designing several new procts. Disadvantages: the lack of their own management knowledge, so often in doing some of the larger things, there is a sense of incompetence
There are different views on MBA in the society. What's your evaluationto answer this question, we should pay attention to integrating theory with practice. We should not only talk about MBA theory, but also give examples to illustrate the views of the society on MBA. You can talk about your views next. Only a few years of MBA study can not make an ordinary person, who will not seriously study and think, a future enterprise leader. But I believe that MBA can make a person who is committed to becoming a future enterprise leader, who studies hard and actively exercises in practice more likely to become a future enterprise leader
8. The greatest pressure you have ever met in your work. First of all, give an example to illustrate that you are courageous and indomitable, and do not give up in the face of pressure. At the same time, you have your own way to resist and release pressure. If it's not a big question, but your exaggerated answer is the biggest pressure, it means that your tolerance is not enough, so you should be careful in answering such questions
the above are eight high-frequency MBA questions and answering skills summarized by boyahui. Here, the editor of boyahui reminds all MBA candidates that they must cultivate their thinking and speaking ability now, so as to achieve the ability of overall consideration. There is also standing in the examiner and college point of view to think about the problem, have the overall situation view
for MBA candidates, they have passed the data application of layer upon layer screening, and they don't know how to start in the face of the interview in advance. Today, boyahui editor mainly summarizes the frequently asked questions in recent years and analyzes the answering skills for MBA candidates. What kind of people do you think are suitable for MBA
There are the following types of people who are suitable for MBA: 1. They have certain working experience, most of them rely on their own professional and technical knowledge to engage in enterprise management, and have achieved certain success in practice. At the same time, this kind of enterprise executives also encounter many problems in the actual management work, and they are in urgent need of people who expand their horizons and enrich practical experience; 2. People who have rich practical experience, management ability and need to go back to supplement theoretical knowledge Why do you study MBA? What can I bring youto choose to read an MBA, we should give a comprehensive answer from the following aspects: 1. I have a low degree, in order to improve my ecation; 2. Improve my management ability, and reserve professional knowledge for future entrepreneurship; 3. Establish a wider interpersonal network; 4. Receive more extensive and systematic MBA knowledge training, and improve my ability; Can have broader career development space; Can establish a wider network of interpersonal relationships
What are the key factors for successthe key to success is not only to have savvy, talent and talent, but also to have good moral character and solid basic skills. Savvy and talent are innate qualities, but the basic skills and excellent qualities that indivials strive to acquire play a decisive role, No matter how good his ability is, what's the use
4. Which is more important, IQ or EQ
Generally speaking, EQ stands for sensibility and IQ stands for rationality. As far as managers are concerned, EQ is more important than IQ, because in the process of management, more people are involved in dealing with people, and the contact between people pays more attention to emotional communication, but it is not that IQ is not important. Managers' decision-making and system making all need rational basis. The ability of managers caused by EQ is mainly reflected in three aspects: first, communication ability; Second, decisiveness; The third is willpower. Therefore, EQ is more important than IQ5. What qualities should the most ideal working group have
answer from the following aspects: good political quality and ideological and moral quality, sense of responsibility and collective sense of members, mutual respect and love among members
6. Summary of advantages and disadvantages
to answer such questions, we must combine with MBA related knowledge, and closely focus on outstanding management ability, team consciousness, sense of responsibility, collective honor, innovation and other aspects. We should not make mistakes out of nothing and exaggerate them. For example:
advantages: good at learning from other people's experience and strengths. I like to learn from others, learn from others' experience and enrich my mind. Secondly, innovation. Every year, I am in charge of designing several new procts. Disadvantages: the lack of their own management knowledge, so often in doing some of the larger things, there is a sense of incompetence
There are different views on MBA in the society. What's your evaluationto answer this question, we should pay attention to integrating theory with practice. We should not only talk about MBA theory, but also give examples to illustrate the views of the society on MBA. You can talk about your views next. Only a few years of MBA study can not make an ordinary person, who will not seriously study and think, a future enterprise leader. But I believe that MBA can make a person who is committed to becoming a future enterprise leader, who studies hard and actively exercises in practice more likely to become a future enterprise leader
8. The greatest pressure you have ever met in your work. First of all, give an example to illustrate that you are courageous and indomitable, and do not give up in the face of pressure. At the same time, you have your own way to resist and release pressure. If it's not a big question, but your exaggerated answer is the biggest pressure, it means that your tolerance is not enough, so you should be careful in answering such questions
the above are eight high-frequency MBA questions and answering skills summarized by boyahui. Here, the editor of boyahui reminds all MBA candidates that they must cultivate their thinking and speaking ability now, so as to achieve the ability of overall consideration. There is also standing in the examiner and college point of view to think about the problem, have the overall situation view
is concerned about the official website of MBA, and more MBA fresh information.
pays attention to the official account of the MBA public.
ideas:
1. This is a required question for an interview
2. The introction should be consistent with the resume
3. Try to be colloquial in the way of expression
4. To the point, don't talk about irrelevant and useless content
5. The organization should be clear and the level should be clear
6. It's better to write well in the form of words in advance
what hobbies do you have
thinking:
1. Hobbies can reflect the candidates' personality, concept and mentality to a certain extent, which is the main reason for the interview unit to ask this question
2. It's better not to say that you don't have hobbies
3. Don't say that you have vulgar and unpleasant hobbies
4. It's better not to say that you are only limited to reading, listening to music and surfing the Internet, otherwise the interviewer may suspect that the candidates are eccentric
5. You'd better have some outdoor hobbies to "embellish" your image.
by the end of 2016, the people's Bank of China had set up the people's Bank of China organ Service Center (organ affairs administration), the people's Bank of China centralized procurement center, China Anti Money Laundering Monitoring and Analysis Center, the people's Bank of China credit reference center, China Foreign exchange trading center (China interbank lending center), China Financial Publishing House, financial times The clearing center of the people's Bank of China, China Banknote Printing and mint Corporation, China Gold Coin Corporation, China Electronic Finance Corporation, China Financial Training Center, Zhengzhou Training Institute of the people's Bank of China, financial information center of the people's Bank of China, Party School of the people's Bank of China and other directly affiliated institutions
2. In the recruitment announcement of the people's Bank of China in 2019, the organizations directly under the people's Bank of China will participate in the recruitment, including the organ service center of the people's Bank of China, the Financial Research Institute of the people's Bank of China, the financial times, the general clearing center of the people's Bank of China, the money Museum of China, the financial training center of China, the digital currency Research Institute of the people's Bank of China, the financial information center of the people's Bank of China Zhengzhou Training Institute of the people's Bank of China, China Banknote Printing and mint Corporation, China Gold Coin Corporation, China Electronic Finance Corporation, China Financial Publishing House
The central bank's digital currency is digital RMB, which is issued by the people's Bank of China. On March 9, 2018, Zhou Xiaochuan, then governor of the central bank, officially disclosed at a press conference that the name of the legal digital currency under development is DCEP
DCEP is the abbreviation of digital currency electronic payment. This means that the central bank's digital currency will have the al functions of legal currency and electronic payment at the same time In September 2013, the Ministry of Public Security announced 10 typical pyramid selling cases, among which "Cloud Data Trade" is a large-scale pyramid selling mode in China
extended data:
specifically, the characteristics of DCEP are mainly reflected in finance and technology
1. As far as its financial characteristics are concerned, the functions and attributes of the central bank's digital currency are exactly the same as those of the RMB paper currency, which is only a digital version of the paper currency. This shows that digital currency is legal tender, and it depends on national credit to maintain the circulation system of digital currency. Mu Changchun, director of the digital currency Research Institute of the central bank, clearly pointed out that DCEP "is a digital payment tool with value characteristics"
In economics, M0 is often used to refer to the cash circulating outside the banking system. The central bank's positioning of DCEP is to replace M0, that is, to replace cash2. In terms of technical features, the digital currency of the central bank has not fully adopted the blockchain technology. The blockchain research group of the digital currency Research Institute of the people's Bank of China has pointed out in a paper that the processing efficiency of the blockchain system needs to be improved. The encrypted assets based on this technology can not guarantee the stability of its anchored assets. At the same time, its decentralization also conflicts with the central bank's centralized management requirements
However, it is said that digital currency draws on some of these technical concepts, such as asymmetric encryption, smart contract and so on. The new cryptocurrency system has the advantages of security, controllable anonymity and unforgeability, which makes up for the problems of high cost, difficult tracking and large counterfeitingthe content of the unified recruitment examination of the people's Bank of China: Economic and Financial Post Examination: business test, economic and Financial Post Examination; other post examination: business test and application. The salary is generally slightly higher than that of local civil servants
the following is the announcement of unified recruitment of the people's Bank of China in previous years. You can refer to the conditions for application.
the people's Bank of China organizes and implements the recruitment (Recruitment) of personnel of branches and directly affiliated units in 2020 in accordance with the principle of "openness, equality, competition and selection". The relevant matters are hereby announced as follows:
1. Recruitment (Recruitment) unit, target, specialty and application conditions
(1) recruitment (Recruitment) unit
Shanghai headquarters of the people's Bank of China, all branches, business management departments, provincial capital (capital) City Central sub branches, sub provincial city central sub branches, branch business management departments, prefecture (prefecture) City Central sub branches The county (city) sub branch is the employing unit for the recruitment of the branch personnel
the units directly under the people's Bank of China are enterprises and institutions that participate in, support or guarantee the people's Bank of China to perform the functions of the central bank. People's Bank of China organ service center, people's Bank of China Party school, people's Bank of China Financial Research Institute, financial times, people's Bank of China credit reference center, people's Bank of China Clearing Center, China Coin Museum, China Financial Training Center, people's Bank of China digital currency Research Institute, people's Bank of China Financial Information Center The financial basic data center of the people's Bank of China, Zhengzhou Training Institute of the people's Bank of China, China Banknote Printing and Minting Corporation, China Gold Coin Corporation, China Financial Electronic Corporation and China Financial Publishing House are the employers recruited by the staff of the directly affiliated units
the above units are collectively referred to as recruitment units in this recruitment< (2) recruitment objects
full time college graates (hereinafter referred to as "fresh graates") who are included in the national unified enrollment plan, social in-service personnel (hereinafter referred to as "social in-service personnel") who have work experience in commercial financial institutions, economic departments and related majors, and returned students
returned students who have obtained a foreign degree after January 1, 2018 and have not assigned a work unit can apply as fresh graates< (3) recruitment (Recruitment) majors and job requirements
the recruitment majors of branch personnel mainly include: economy and finance, accounting, law, computer, statistics, management (focusing on public management, administrative management, human resource management related majors) and English. Some branches recruit a small number of science and engineering graates (excluding computer major, the same below) and security, Chinese, small language professionals. Specific majors and positions shall be listed in the recruitment and recruitment profile of PBC branches in 2020. XLS
for the recruitment majors and position requirements of the staff of the units directly under the PBC, please refer to the information sheet of open recruitment position requirements of the units directly under the PBC in 2020.xls< (4) registration requirements
1. Nationality of the people's Republic of China
2. Support the constitution of the people's Republic of China
3
4. Aged between 18 and 35 (born from October 11, 1983 to October 11, 2001)
5
6. Full time colleges and universities with bachelor's degree or above and bachelor's degree or above that are included in the national unified enrollment plan (some branches in arous and remote areas are relaxed to college degree), with professional counterparts, At the same time, they should also have the qualifications required for applying for the positions in the "people's Bank of China branch recruitment in 2020" and "people's Bank of China directly under the units of 2020 open recruitment job demand information table"
7. The academic qualifications of returned students should be certified by the relevant departments of the Ministry of ecation, and have the certificate of returned students issued by our embassies and consulates abroad
personnel who have been subject to criminal punishment for crimes, personnel who have been expelled from government organs and institutions, military personnel in active service, non fresh graates studying, personnel who have been dismissed by the people's Bank of China, and personnel who are not suitable for employment for other reasons are not allowed to apply for the examination
branches and directly affiliated units of the people's Bank of China conct qualification examination and selection based on job requirements and after comprehensive consideration of candidates' personal information, academic degree, professional situation and work experience< (1) to inquire about the job demand information of the recruitment (Recruitment) units
candidates should carefully inquire about the registration conditions and job demand of the branches and directly affiliated units, and be sure to register according to the job demand
(2) online registration and printing of admission card
online registration is adopted for this enrollment, and there is no on-site registration. Candidates can register through the following website (officially opened at 10:00 a.m. on October 11):
http://zhaopin.pbc.gov.cn
candidates can query the results of qualification examination, download and print the admission certificate and application recommendation form, and query the relevant recruitment information through the above websites
1. Online registration
(1) log in to the online registration system to register candidates. Name of ID number, password, name and ID card must be filled in when registering for registration. Please ensure that the name, ID number and other information are accurate and correct, and remember the registered user name and password.
candidates can log in to the registration system through their registered user name and password to register online, print the admission card and registration recommendation form, and query the written examination and interview results
(2) submit personal information: candidates fill in their personal information, upload photos and choose their positions when they register online
the photos uploaded by candidates should be their recent bareheaded front color electronic photos in JPG format, with a width of about 200 pixels, a height of about 260 pixels, a resolution of about 350 DPI, a file size of no more than 100k, and a clear and recognizable photo. Those who upload photos that do not meet the requirements or upload irrelevant photos shall be deemed to have given up the examination qualification automatically
(3) registration time: 10:00, October 11, 2019 to 22:00, October 20, 2019
(4) query of qualification examination results: October 12, 2019 to October 21, 2019
(5) for those who have passed the qualification examination, please log in to the system again to confirm whether to take the written examination. Written examination confirmation time: 8:00, October 22, 2019 to 23:00, October 24, 2019. Candidates who have passed the qualification examination must confirm whether they will take the written examination within the prescribed time. Those who fail to confirm in time shall be deemed to have given up the examination qualification
2. Printing time: November 2, 2019 10:00-november 9, 2019 9:15
those who have confirmed to participate in the written examination must log in to the online registration system at the above time, download and print the admission card. Those who have not printed the admission card after the expiration of the time limit will be deemed to have given up the examination qualification
(3) notes for registration
1. Candidates can only choose one position from the branches and directly affiliated units of the people's Bank of China
2. Candidates can only apply with the highest full-time ecation, and should also have the degree corresponding to the highest full-time ecation
3. Candidates must fill in their personal information truthfully and completely, the name of the graated institution must be consistent with the full name of the institution on the graation certificate, and social employees must fill in their work experience truthfully and in detail
4. The application recommendation form for 2020 recruitment (Recruitment) of people's Bank of China branches and units directly under the people's Bank of China (filled in by fresh graates and submitted ring interview) can be downloaded and printed from the above website
5. In order to facilitate candidates and rece the cost of registration, a total of 35 test centers are set up in the municipalities directly under the central government, provincial capitals, Dalian, Qing, Xiamen and Shenzhen. Candidates can choose the place of written test according to the actual situation when they register. The place of written test can be different from the place where the applicant is located, before 24:00 on October 21, Candidates can modify the location of the written examination
6. Candidates who have confirmed to take the written examination should print their admission cards at the specified time and take the written examination as required. If the candidates who have been confirmed to take the examination are unable to take the written examination e to force majeure, please contact the branch of the people's Bank of China in the place where the examination center is located within 7 days after the end of the examination to explain the reasons for their absence and provide relevant supporting materials. The people's Bank of China will also announce the name list of those who are absent for no reason in an appropriate way
7. Candidates can only use their second generation ID card to register, and ensure that the ID card is within the validity period ring the examination, and the registration must be consistent with the ID card used ring the examination
8. Without review, candidates can change their online registration profile and position. After passing the qualification examination, the submitted personal data and registration information will not be changed. If they fail to pass the qualification examination, they may apply for other positions
9. No fee will be charged for this recruitment
candidates should be responsible for the authenticity, accuracy and completeness of the information and materials submitted online. Those who fail to fill in the form as required, or do not conform to the actual situation, or cheat, will be disqualified from examination or employment (employment) once verified< 3. Examination and employment
examination includes written examination and interview
(1) written examination
there is no book for review in this examination. Candidates for economic and financial professional positions shall take administrative professional ability test and economic and financial professional knowledge test, while candidates for other professional positions (including multi professional mixed positions in open recruitment positions of directly affiliated units) shall take administrative professional ability test and application test. Examination time: 9:30-12:00 a.m. on November 9, 2019, in which 9:30-10:30 is the administrative professional ability test and 10:30-12:00 is the economic and financial professional knowledge (or application) test
candidates should take the written examination according to the time, place and examination room indicated on the admission card. When taking part in the examination, the candidates must carry the admission card and ID card at the same time. Those with incomplete certificates are not allowed to enter the examination room to take part in the examination
candidates can query their written test scores through the online registration system. Please pay attention to the notice of online registration system for specific query time< (2) after the interview, the people's Bank of China will determine the list of interviewers according to a certain proportion of the number of candidates to be employed according to the written examination results of candidates. The interview shall be organized and implemented by all branches and units directly under the people's Bank of China, and the candidates shall be informed of the interview matters by telephone, SMS or e-mail. When filling in the contact information, the candidates shall ensure that the recruitment unit can contact them in time
according to the needs of work, some recruitment units may increase interviews or other tests, and the specific test form and time will be notified by the recruitment unit
ring the interview, you should provide your ID card and the application recommendation form sealed by your school (for fresh graates, please download it from the registration website). At the same time, you should also bring other relevant supporting materials required by the recruitment unit, such as lack of certificates or relevant information
3< 4. Aged between 18 and 35 (born from October 10, 1982 to October 10, 2000)
5< 6. Full time institutions of higher learning with bachelor's degree or above and bachelor's degree or above, which are included in the national unified enrollment plan (some branches in remote areas are relaxed to college degree), with professional counterparts, At the same time, they should also have the qualifications required for applying for the positions in the recruitment brochures of branches of the people's Bank of China in 2019 and the job demand information form for public recruitment of units directly under the people's Bank of China in 2019
7. The ecational background of returned students should pass the academic degree certification of relevant departments of the Ministry of ecation, and have the certificate of returned students issued by our embassies and consulates abroad<
personnel who have been subject to criminal punishment for crimes, personnel who have been expelled from government organs and institutions, military personnel in active service, non fresh graates studying, personnel who have been dismissed by the people's Bank of China, and personnel who are not suitable for employment for other reasons are not allowed to apply for the examination<
branches and units directly under the people's Bank of China conct qualification examination and selection based on the job requirements and after comprehensive consideration of candidates' personal information, academic degree, professional situation and work experience
the above are the recruitment conditions of the people's Bank of China in 2019
it is not suitable to just go home