Is Beijing Tianjin Hebei digital currency pilot good for Hengyin
Yes The people's Bank of China formulates policies and safeguard measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate
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digital currency is the best tool to replace cash:
fan Yifei, vice governor of the central bank, said that the central bank's digital currency focuses on replacing M0 (i.e., banknotes and coins), maintains the properties and main features of cash, and meets the needs of portability and anonymity. It will be the best tool to replace cash
Mu Changchun, director of the digital currency Research Institute of the people's Bank of China, once described such a use scenario: as long as you and I have DC / EP digital wallets on their mobile phones, we don't even need the network. As long as the mobile phone has electricity, if two mobile phones touch each other, we can transfer the digital currency in one person's digital wallet to another person. Digital money does not need to bind any bank account when it is paid, unlike WeChat and Alipay bank. p>
Digital currency is just a trend and a challenge. The main feature of central bank digital currency is that it is legal tender issued by the central bank and has the same function as RMB on paper money. In fact, the central bank's digital currency is first exchanged by the central bank to banks or other operating institutions, and then by these institutions to the public, In terms of strengthening the function of global resource allocation, this is to continue to promote the expansion of the financial instry, open to the outside world, continue to gather a number of functional and headquarters institutions, and promote the development of the financial instry
Users who promote trade innovation and development, vigorously develop new business models and offshore trade 
online payment methods are relatively sticky, although people can tolerate new things, digital currency should not proce e-money payment in the short term; Impact & quot Looking forward to the long-term future, the implementation of digital currency can play a positive role in tracking abnormal transactions or exploring financial risks. The transaction data generated by digital currency is likely to be incorporated into the personal customer data system. Financial institutions can use big data analysis to accurately outline customer profiles and further tap customer value, The precipitation of these data can also provide the government with effective decision-making basis, realize the wise government and improve work efficiency
but everything has two sides, there is a good side, there is a bad side for example, if there is a large-scale economic crisis in the future, how can we promulgate relevant solutions to the e-money that we are not familiar with? We have been using paper money for a long time. Although we can't completely control the economic crisis, we still have relevant experience, but we don't know anything about electronic money
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