The impact of bank digital money on Alipay
1、 Different monetary attributes
1. digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing
Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
Now with the continuous development of the network, our way of life has also undergone fundamental changes. Modern people in the new century are enjoying the convenience brought by science and technology. Among the continuous innovation of lifestyle, the innovation of payment mode is probably the most revolutionary. Now our mobile phone has become our wallet, and there are no restrictions on mobile payment scenarios. Under such circumstances, the digital currency of the central bank is also available in Shenzhen
now we are basically using WeChat or Alipay for mobile payment, and after the emergence of digital money, Alipay and WeChat will definitely have a certain impact. Strong>, however, because the promotion of digital money still takes some time, the impact on Alipay and WeChat will not be very large in the short term. Similarly, Alipay and WeChat may also benefit from their advantages in digital currency promotion. RRRRR}
three, opportunity, of course, Alipay and WeChat are also facing great opportunities in the face of crisis. In fact, digital currency is still currency. It is different from cash only in form, and there is no difference in essence
under such circumstances, the introction of digital money into Alipay and WeChat is not a reality. Therefore, in the current situation, Alipay and WeChat should stand on a higher level to look at the digital currency. P>
, ladies and gentlemen, what are your views on the digital currency for WeChat and Alipay? Speak freely in the comment area. p>
On October 8, Shenzhen Municipal People's government and the people's Bank of China jointly launched a pilot project of digital RMB red envelope
after the news was sent out, it has aroused warm repercussions from all walks of life across the country. At this stage, people are most concerned about the impact of digital RMB on our daily life? Will it replace Alipay and WeChat? Due to the lack of introction and promotion of digital RMB by authoritative institutions, the citizens and businesses participating in the activities also have many questions about digital RMB. According to the official announcement, the red envelope activity of digital RMB is a routine test in the process of digital RMB research and development. It can be seen that there is still a certain distance from the official implementation of digital RMB
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2013-4-29 上午 11:35:10x禽
淡淡的胖次
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1. The brokerage business of RMB special stocks, RMB ordinary stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 2、 Proprietary business of RMB common stock, RMB special stock, overseas issued stock, domestic and overseas government bonds, corporate bonds and corporate bonds; 3、 The underwriting business of RMB common stocks, RMB special stocks, overseas issued stocks, domestic and overseas government bonds, corporate bonds and corporate bonds; 4、 The initiation and management of the fund; 5、 Corporate restructuring, acquisition and Merger Consultant; 6、 Project Financing Consultant; 7、 Investment consulting and other consulting business; 8、 Foreign exchange trading; 9、 Foreign exchange assets management of overseas enterprises and domestic enterprises with foreign investment; 10、 Interbank lending; 11、 Customer asset management. 12、 Online securities commission business; 13、 Margin trading business; 14、 Selling financial procts on a commission basis; 15、 Selling securities investment funds on a commission basis; 16、 Provide intermediary business for futures companies; 17、 Other businesses approved by financial regulatory authorities Projects that need to be approved according to law shall be operated according to the approved contents after being approved by relevant departments.)
it is suggested to limit the scope of business. It is impossible to issue virtual currency. The virtual currency you hear may be handed down currency, so it is suggested to stay away from it. It is suggested to play with mainstream virtual currencies, such as bitcoin, Fuyuan coin, dogcoin, etc.
digital currency compares with Alipay: digital currency is equivalent to RMB with legal compensation. Digital currency is more perfect and convenient01 and the central bank say there is no competition between digital money and Alipay. p> On October 12, digital currency was tried in a district of Shenzhen. It is precisely because of this that digital currency officially came into people's sight. Digital currency has appeared before, but it is not digital RMB, but in other ways
many people speculate whether the arrival of digital money will have an impact on WeChat and Alipay payment. Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, on 25 June, said that there was no competition between digital money and Alipay 10.
but if the transaction amount is relatively large, it needs identity verification , and it is more secure, for every money, the central bank can find out where it is going, know who the other party is , and put an end to some unidentified transactions and some scams