Is digital currency financial innovation
digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. More generally speaking, digital currency is actually a commodity
just like gold, it took more than 200 years to be graally recognized by the world. In the early days, many people questioned gold's ability to store value. If we take digital currency as a substitute, people's questioning attitude towards gold in the past is equivalent to many people's attitude towards digital currency now
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digital currency is a balance between financial security and innovation ability. Financial instry should have clear access threshold. Digital currency involves finance, so it must have clear access threshold. The enterprise qualification of blockchain and digital currency needs to be reviewed and an access system set. One of the core of supervision is that blockchain enterprises must have qualified technical personnel
for example, enterprises of different levels in the construction instry need different levels and numbers of registered structural engineers to ensure the safety of buildings and bridges, which can also be used for reference in the supervision of digital currency. In addition, investors need to refer to the requirements of the "measures for the appropriateness of securities and futures investors" issued by the CSRC, and only those who meet certain conditions can participate in the investment
it is also closely related to Internet technology and has the attributes of payment and circulation. The central bank's "digital currency" is closely related to bitcoin. But bitcoin is a kind of digital currency, but digital currency is not just a form of bitcoin. Although the central bank's "digital currency" veil has not yet been lifted, there must be many differences with bitcoin
first of all, the issuers are different
most currencies have an issuer. For example, RMB is printed and issued by the central bank. But bitcoin does not have a centralized issuer. It is generated randomly based on an algorithm. Anyone can mine, buy, sell or receive bitcoin
secondly, the acquisition methods are different
bitcoin is the result of unremitting "mining" by some people who master the algorithm. These real it experts need to search for 64 bit numbers by computer, and then compete with other gold miners by repeatedly solving puzzles to provide the required numbers for the bitcoin network and obtain the corresponding bitcoin
but the digital currency issued by the state is bound to face the people of the whole country, rather than some network experts. When the country strives to achieve the goal of Inclusive Finance, how can it only tailor a currency for Internet experts? The national version of "digital currency" is bound to help the realization of Inclusive Finance, facing the most extensive groups
in addition, the pricing is different
in the face of bitcoin, which is becoming more and more difficult to "dig", many experts are more energetic like upgrading to fight monsters. With the increasing difficulty of "mining", the price of bitcoin has also soared and fluctuated greatly
a national currency has to try its best to maintain its own stability. Naturally, it is impossible to price according to the difficulty of acquisition, just like collectibles, because of scarcity
in addition, the application range is different
at present, all countries, including China, do not recognize the monetary attribute of bitcoin. Some organizations may have accepted donations from bitcoin, and some supermarkets have said that they can pay with bitcoin, but this is only within a very small range
as a digital currency issued by a country, it must be able to meet the largest range of payment needs, especially with the evolution of mobile Internet, cloud computing, blockchain and other technologies, and under the background of great changes in global payment methods, the central bank's digital currency needs to meet the global payment needs
if the central bank's "digital currency" is very different from bitcoin, how is it different from virtual currency
people who have used QQ should be familiar with QQ coins. They need to change their clothes for QQ avatars and change their backgrounds for QQ spaces. Many Tencent online games also need QQ coins to recharge. Like this, there are many virtual currencies based on the network, such as the online currency of the network company, the recharge voucher of the game company, etc
as far as the scope of application is concerned, most of these online currencies are used to recharge games, purchase equipment and props, and cannot be paid offline; As far as the exchange method is concerned, in principle, virtual currency can only be purchased with real currency, but it is not allowed to convert virtual currency into real currency; As far as issuance is concerned, it is launched by enterprises themselves, some of which are like "vouchers" rather than real currency
therefore, although the issuance of "digital currency" by the central bank inevitably requires payment transactions on the Internet, the principles and methods are different from those of virtual currency
especially at present, when many enterprises issue virtual currency, e to their own lack of risk prevention and control and security awareness, they leave an opportunity for some criminals to swipe bank cards, sell stolen goods and launder money. If the central bank's "digital currency" is issued, whether it will replace these online virtual currencies and make the online payment environment safer, healthier and more transparent is a question worthy of consideration.
When it comes to digital currency, your first reaction may be bitcoin or Libra, which Facebook plans to launch
from the perspective of usage scenarios, the central bank's digital currency does not pay interest, and can be used in small, retail and high-frequency business scenarios, which is no different from paper money. At the same time, the use should comply with all the existing regulations on cash management, anti money laundering and anti-terrorism financing
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since digital currency is not the currency initiated and approved by the central bank, it can not be banned. Digital currency belongs to digital assets, which can be freely traded between indivials. So digital currency is not an x-sale, not a capital disk, but a financial investment.