The influence of currency digitization on individuals
The central bank's digital RMB has legal compensation, Digital RMB does not pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money, and it is very convenient to use. according to relevant instry insiders, the use of digital currency does not need the Internet, and it can be said to be simple and convenient with a mobile phone, The cost is low
is there any security guarantee? In fact, the central bank's digital RMB has the nature of legal compensation. Digital RMB does not calculate and pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money. Moreover, because of the nature of legal compensation, we can't refuse to accept the central bank's digital RMB. Moreover, the digital currency Research Institute of the people's Bank of China says that it can realize the circulation of digital currency between different clients in the transaction process by means of technical solutions, generating new digital currency and canceling old digital currency. After being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that the digital currency will be released soon
Digital money drives economic consumption. People have no concept of money, only material needs. At the same time, digitization facilitates people's communication
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
extended data:
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
a study by IDC (international data company) said that service software will increase at an annual rate of 90%, and the market value of the software will reach 7.8 billion US dollars by 2004. In the next 12 months, application software will transform from personal computer to network server and online application service<
information
digital economy
digital economy
it is simply the greatest wealth for Internet content providers, but they must tell readers the real side of life. On behalf of many Internet content service providers (ISPs), most of the online information is free, which is a serious challenge to ISPs. In order to meet this challenge, ISP must combine Internet instry with traditional instry, and work together with technology experts to protect their procts
Ecation
for children and alts alike, is a rapidly growing factor in the digital world, and the means of ecational science and technology will proce significant changes in the next few years. "ISPs and Internet companies are turning their business models to B2B (in this case, of course, ISP or other Internet companies provide school ecation and corporate training) and B2C (ISP and other Internet companies provide part-time training and distance correspondence)," SIIA said< According to SIIA, customer rights have become an important factor influencing the development of digital economy in the past few years. Now this kind of rights must be expanded. Private issues such as user information and address must be protected, and the real needs of customers must be found. E-commerce vendors must be fully aware of the strict privacy protection policy in the next 12 months
business digitalization
in the past 10 years, almost all instries in the United States have been digitalized. From accounting to warehousing, from personnel to scheling, digital technology is everywhere. Through this digital process, American enterprises have also tasted the sweetness. In the next 12 months, the digital process of American enterprises will continue, and B2B will take the lead
digital economy policy
of course, when so many companies rush into the digital economy, they must have a clear instry regulation, especially on the issues of personal privacy and e-commerce tax collection. Without clear assessment and suggestions, the future of digital economy can only be stagnated in the hands of policy makers, not those innovators and entrepreneurs who make digital economy possible.
Digital RMB
& lt; Digital RMB & quot; In fact, it means that we use digital transactions, and we use less and less paper RMB. Now everyone uses the way of electronic transactions such as credit cards, bank cards, WeChat and Alipay. p>
in fact, many elderly people have crossed the era of swipe card and directly entered the era of swipe code payment. Code scanning payment behavior has been widely accepted by many elderly people. After all, it is simple to operate and easy to use. It only needs a smart phone. Old people usually refuse to carry bank cards for fear of losing them
at present, central banks are still cautious in issuing digital currency, and no country really issues digital currency. China's central bank is also in the stage of discussion and Research on digital currency, which is far away from the issuing time
the life of retirees is similar to & lt; Digital currency & quot; It doesn't matter at all. Don't trust some hype and use your pension fund to buy digital currency; Investment & quot;, In fact, these are all frauds. Retirees should be more careful. They would rather be in trouble than be cheated