Digital currency in life
The hot sale of applepay payment has caused quite a stir. Convenient digital payment makes "digital currency" a hot topic again as early as January this year, the central bank said that it would actively absorb the important achievements and practical experience of digital currency research at home and abroad, and strive for the early launch of the digital currency issued by the central bank. Recently, central bank governor Zhou Xiaochuan mentioned "digital currency" again in an interview with the media. Obviously, digital currency may not be far away from us
why issue digital currency
" In a few years, cash may not exist; This new trend has overturned many people's usual ideas. However, in order to explore the essence of money, its contractual nature determines that it can have different forms of expression. It is not surprising that money has changed its appearance in different historical periods“ From the perspective of historical development trend, money always evolves with the development of technology and economic activities. From the early physical currency, commodity currency to the later credit currency, it is a natural choice to adapt to the development of human commercial society. " Zhou Xiaochuan, governor of the people's Bank of China, said
A few days ago, some media reported that in the future, once legal digital currency really runs, application scenarios will penetrate into all aspects of social life
However, there is still a long way to go for legal digital currency to enter our life like cash. The first thing to solve is the technical obstacles. Although today's blockchain is regarded as the Internet of the 1990s, and its future is limitless, it is not mature enough to support the huge payment systemArticle source: bit110 network
in a strict sense, digital currency relies on distributed rules and intelligent code to issue and operate. Its credit support is far away from the central bank's centralized mechanism, and completely relies on some spontaneous operation rules. Although the scale is still small and the technology needs to be mature, it may have a significant impact on the existing monetary mechanism in the future
the operation of modern monetary system is inseparable from bank deposit currency (bookkeeping currency). With the continuous development of payment technology, the problems of currency level and payment level are often entangled, which makes the problem more complex