The significance of Beijing digital currency Experimental Zone
digital currency is likely to change the current world monetary pattern and become the mainstream of currency in the future
the essence of money is a tool to measure the price, from the most primitive shells, later copper coins, gold and silver, and now paper money. They do not have the value attribute, but when people give it the value measurement standard, it acts as a tool to measure the value. They are credit currencies. It is because of the strong credit endorsement of the state that the public recognizes them as the medium of goods exchange
this also means that you can go out later without anything. As long as you have money in your digital currency, you can buy anything you need. Later, with the development of the Internet of things, everything will be connected, and your clothes, shoes and bags may become the carrier of digital currency
at present, digital currency is still in the exploratory stage, and its use is still to download app, and then use it. Recently, Shenzhen has issued several rounds of red packets, each user can get 200 yuan red packets, which can be used in designated shopping malls, supermarkets, restaurants and many other places, and some enterprises use it to pay wages, and large-scale pilot will be implemented in the future
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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.
Hello, the replacement of paper-based RMB by digital RMB is basically certain. Just as the era goes from entity to e-commerce, RMB also goes from offline to online. Its function is exactly the same as paper money, that is, the digital version of paper money
at present, China's digital currency is a leading technology, which is bound to accelerate its digital currency construction in the short term, in order to find the gap with DCEP. However, DCEP can ultimately promote the nationalization of RMB, still depends on the steady growth of domestic economy and the international circulation ability of RMB itself, not only on the digital technology of RMB, but also has a long way to go
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
The Beijing Municipal Bureau of Local Financial Supervision announced on February 6 that on the first anniversary of the countdown to the opening of the Beijing Winter Olympic Games, Beijing will launch the & lt; Digital Wangfujing ice and snow Shopping Festival & quot; Digital RMB pilot activities. Sponsored by Dongcheng District People's Government of Beijing, 50000 digital RMB red envelopes with the amount of 200 yuan each were issued to the successful bidders by appointment and drawing lots
Beijing Municipal Bureau of local financial supervision said that in the next step, Beijing will steadily promote more pilot applications of digital RMB around the 2022 Winter Olympic Games, and continue to deepen the implementation; Two districts & quot; Policy, continuously improve the construction of legal digital currency pilot area and financial technology application scenario pilot area, improve the service level of Beijing Smart City, build an international consumer center city, and provide service guarantee for the payment environment construction of Beijing Winter Olympic Games
experts said that the current digital RMB test work is going smoothly, and the pilot scope of digital RMB can be expanded orderly in the future, and the digital RMB can be officially launched as soon as possible, so as to better meet the public demand for legal digital currency in the era of digital economy
Su Xiaorui, a financial technology expert, said that the follow-up pilot will make a greater breakthrough in online use scenarios. From the previous cooperation list of the digital currency Research Institute of the central bank, it can be inferred that in the future, digital RMB will graally involve travel, e-commerce, short video and other retail scenarios. From the perspective of the development trend of financial technology, it will also achieve more penetration in the direction of instry in the future, and make great efforts in the fields of enterprise trade, supply chain finance and other real economy
During the continuous promotion of digital RMB, I believe many people have a certain understanding of digital RMB. The introction of digital RMB is of cross era significance. It can not only enable us to accurately trace the source of funds, but also quickly identify money laundering. To a certain extent, some economic violations are strangled in the cradle. The full launch of digital RMB will undoubtedly have a huge impact on people's lives{ RRR} of course, we can't blindly promote digital currency. In fact, as long as people have the demand to use banknotes, the people's Bank of China will not stop the supply of banknotes. What we should know more is that digital RMB and paper money are not substitutes. They will coexist for a long time. Although the promotion of the use of digital currency has great significance, no matter how we should correctly use the national legal currency, this is the real significance of the use of currency