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1. On January 5, the pilot use of digital RMB in Shanghai realized Hard Wallet payment without mobile phone for the first time, and the development of digital RMB is accelerating

however, this move has aroused people's concern about bitcoin, and they even think that digital RMB will replace bitcoin

the central bank's digital currency represents the digitization of RMB cash. More reflected in improving the efficiency of domestic small high-frequency transactions, thus playing a role in replacing RMB cash, thus consolidating China's monetary sovereignty

however, bitcoin is a currency based on blockchain technology, which has a limit on the total amount of issuance and cannot be over issued

last time I talked about this with people from Yingfu University of Finance and economics. Because there is a fundamental difference between digital personal name coin and bitcoin, it will not bring much impact on the price trend of bitcoin.

2. The specific time has not been determined, but it has been concerned for three years
more than three years ago, the people's Bank of China started to organize a seminar on digital currency, and then set up the digital currency Research Institute of the central bank. The latest action is to jointly organize distributed R & D with the instry and cooperate with the market

the name of R & D used by the central bank is DCEP, which is actually electronic payment. What is paid is digital, not paper money. Digital money also has monetary attributes. The study of digital currency is not to realize the application of a certain technical solution, but to pursue the convenience and low cost of retail payment system, as well as security and privacy protection
the digital currencies of bitcoin, wikilink and Ethereum provide some reference for the digital currencies issued by the central bank, especially blockchain.

3.

To guard against the possible risks brought by bitcoin, we know that digital currency represented by bitcoin has high risks. This kind of risk is mainly reflected in two aspects: first, the limitation of digital currency makes it used as investment goods, and the price is extremely unstable. Those who do not understand the principle of digital currency and pay too much attention to speculation are easy to suffer losses for various reasons

Secondly, national digital currency is linked to its own legal currency to a certain extent, so it effectively avoids the price volatility of bitcoin. Because the CBDC issued by our country is guaranteed by the credit of the central bank, it must be a stable currency. In today's international situation, the research and development of digital currency in China is of great significance. The introction of digital currency is not an expedient measure, it has become the development direction of China's future currency

4. Modern people use wechat, and the number of people who have never heard of digital currency of the central bank may not be as many as bitcoin

5.

The central bank has recently been planning to launch & lt; Digital currency & quot; Now, some people think that since digital currency is going to be launched, does it mean that paper money will be replaced? In fact, paper money still has a place

01. The introction of digital currency conforms to the development trend of the times< p> in daily life, the use of cash is less and less , many of us now go out without cash, and there are more and more payment software. At the beginning, a treasure and a letter occupied half of the country, but now many people also start to use other payment software, and are no longer limited to these two kinds

when I used to go out, I used to go out with a certain treasure and a certain letter, but now I have a UnionPay. Every time I buy something, I can get a little discount. So, as long as conditions permit, I usually use UnionPay to pay. As an old saying goes, & lt; A little makes a lot;, Although each free amount is not much, but can not bear the large number of ah, in school, our school also has this payment software activities, a top ten, equivalent to white whoring a bowl of rice at noon, how good, so, UnionPay now in my heart also occupies a big position

summary:

it is impossible for digital currency to completely replace paper money, because many people still need paper money. I don't want my own capital flow to be clearly controlled by others in the future, and I need some private space

6. Now we have to clarify the concept of commodities.
the labor procts collected on the ground must not be counted, but must be processed.
the self-sufficient ones must not be counted, and they must be exchanged. For example, the cloth proced by men and women in ancient times was used by themselves. Therefore, it is not a virtual currency.

virtual currency originally refers to unreal currency, which is used in games,
virtual money in computer games will also have its real value. For example, if a player buys his account from another player, he can get all the virtual assets of that player, and then it will be much easier for the player to continue playing. If the game allows players to transfer virtual property, players can buy and sell game props and pay in real currency. If the game props are priced by virtual currency in the game, then the exchange rate between real currency and virtual currency is established

so its value comes.

the value in textbooks is different from the value mentioned above. Value is a kind of social labor result condensed in procts, You should have learned that the amount of value is determined by the social necessary labor time.
the so-called price is just a form of monetary expression of value...

the value in textbooks is a kind of physical value. How can I tell you?
take the stock market for example, some people make money, so can you say that the stock market creates value? No, he doesn't create, he just redistributes wealth...

let's take the use value as an example, remember its definition
the utility of goods that can meet people's needs

is it goods, is virtual currency goods? The so-called goods are made up of atoms...

besides value, the so-called value is that value appears with the emergence of human beings and is defined by human subjective consciousness. Value is a kind of surreal norm or ideal, It's God's creation. Whether a thing has value or not depends on the logic of the concept system, which is a surreal, ideal state, or God given

value comes from nature, and develops with human evolution and social development. The ultimate origin of value can only be the moving

material world and the working human society. The virtual currency belongs to a part of human society... So it is valuable, but from the perspective of textbooks, it is far fetched

7. In order to prove time and ensure the security of the whole network
without this calculation, the whole system is not secure, so these seemingly meaningless calculations are to ensure everyone's security