Ma Yun, the central bank's digital currency

Ant technology is almost zero cost financing, through various forms of packaging debt, repeated borrowing, and then irresponsibly lend money to young people who have no ability to repay. This is basically bringing the crazy financial crisis of Wall Street in 2008 to China. The real capital market is changeable and more cruel than you think

ant technology's blood sucking through online loans has been picked out by many people. Zhou Xiaochuan, former governor of the Central Bank of China, also said at the Boao Forum of Asia recently that Internet technology giants controlled a large amount of data and market share, formed a monopoly and hindered fair competition, which led to the decline of Alibaba's share price

if Google can freely use users' personal information in financial business, it can also become the largest lending institution in the world. Google doesn't do it because American businessmen are particularly kind, but American policies don't allow it at all

as vice minister of Finance Zhou Jiayi said at the Bund financial conference, science and technology has not changed the nature of relying on credit to use leverage, supported the development of financial technology, insisted on the improvement of science and technology, prevented financial technology from incing excessive financial consumption, and encouraged the winner take all monopoly

now that the digital currency DCEP of "central dad" is on the way, can ma Yun's wishful thinking work well in the future? Let's wait and see< br />

Ten years ago, people went shopping with a lot of cash. However, with the development of the times and the progress of science and technology, people rarely carry cash when they go out, just a mobile phone is enough. With the popularity of Alipay and WeChat, more and more people can get rid of the inconvenience brought by cash and enjoy the convenience and speed brought by technology. However, following the payment of Alipay and WeChat, a new currency appeared: digital money. p>

to a certain extent, digital currency is easier to manage, and there is no way to hide funds, so it is very helpful for the supervision of some criminal activities. Moreover, there are essential differences between digital currency and bitcoin which is popular in the market. If the central bank really starts to promote digital currency, will ma Yun and Ma Huateng have a way to deal with it? What kind of payment method would you choose? Welcome to discuss

In short, digital currency is a kind of & lt; Tools & quot, but this tool is the same as the banknotes and coins used by people, has the function of purchasing power , and digital currency is a kind of currency with legal compensation ability, which is essentially different from the other two payment software, but digital currency will still be in the testing stage, I believe it will be released soon

we believe in Jack Ma, that is, we believe that Alibaba behind Jack Ma will not collapse and have money to compensate. We believe in wechat, because the number and time of wechat use is too long, in order to facilitate the use. However, there are various risks in these two payment instruments. Now many software require personal information real name system authentication and human face verification, just to prove & quot; You are yourself;, But in any case, such a platform has the risk of personal information disclosure. But digital currency is not the same. The people's Bank of China has issued ! Do you believe that Alipay and WeChat can't divulge your information, or do you believe that the people's Bank of China does not divulge it? Therefore, it must have an impact on these two platforms

The admission of the central bank's digital currency will not put users in a dilemma. In fact, digital currency enriches our payment options and will affect all aspects of our life in the future. WeChat and Alipay already occupy half of the country's mobile payment market. Nowadays, mobile payment has become the main way for Internet users to pay, while Alipay and WeChat pay an indispensable role. Alipay and Cai Fu Tong enter the market a lot earlier, while paying attention to user experience and rich online and offline application scenarios. It is revealed that both of them occupy more than 90% of the market share of mobile payment and have a solid position

, cannot withstand a single blow, even if WeChat and Alipay's mobile payment market is firmly established in the face of digital money? In fact, they all have relatively fixed and loyal user groups, and the procts have their own characteristics, which can meet the needs of different groups of consumers. In theory, the admission of digital money will not affect the status of Alipay and WeChat. In other words, the basic layout of the third-party mobile payment market can be maintained. Frank digital currency has its advantages, and it is ultimately a process decided by the market and user groups for a long time, which will be affected by convenience, commercial value, economic scale and other factors. Just as it seems, the central bank's digital money will be used as a supplementary means of payment besides the three party payment methods such as WeChat and Alipay to enter the lives of ordinary people. In fact, it is to enrich our payment options, which will affect all aspects of our life in the future