How does digital currency affect 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
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
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if you are not a technology stream, don't read the code or the white paper, then you can play with virtual currency
no matter what genre you are, don't touch stocks. You'd rather live than die
What are the basic requirements of money? In line with the financial needs, the current financial model is inflation, and money needs to be issued to meet the financial needs. At present, the biggest problem of digital currency is that it does not have the function of additional issuance. The technology is that the total amount has an upper limit, and no additional issuance is allowed. The use value of money is circulation, not appreciation. Therefore, digital currency has no monetary value, and it is not money at all, It's a commodity at best
What if digital currency can achieve long-term or permanent effect of additional issuance through technological progress to meet the needs of financial inflation? It's impossible
if it's mining mode, anyone can dig. Since money can be g out, then whoever still works will lose motivation in finance, so it's impossible
if it's a direct, inclusive delivery, then everyone can get it, so there's no need to make money, and finance has lost its motivation, and it's impossible
therefore, as far as the current financial needs are concerned, digital currency is not competent
of course, some people say that in fact, digital currency is built on the premise of social labor surplus, everyone has a good life, and digital currency is an additional reward. If you believe me, I have nothing to say.