Libo central bank digital currency

1.

The digital currency of the central bank is DCEP

the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency

The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous

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Application of digital currency

I. fast, economic and safe payment and settlement

cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed

At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:

3. Bill finance and supply chain finance

in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs

reference materials

network digital currency

2. There are a lot of them. Go to the regular exchange, such as bitbuffer, fire coin, coin security, etc.

3.

f=N μ N is the positive pressure, that is, the pressure acting on the contact surface, μ It is the dynamic friction coefficient, which refers to the influence factors of the roughness of the contact surface on the friction. Or use the balance f = f; It's only used when it's stationary or moving in a straight line at a constant speed, but it's the most used in junior high school

the so-called friction is the force that hinders the relative motion of the object, and the direction of friction is opposite to the motion direction or relative motion direction of the object. The conditions of friction are as follows:

(1) two objects must contact each other

(2) there was extrusion between two objects

(3) there is a tendency of motion or relative motion between two objects

If an object is stationary on a horizontal plane, it will not be affected by friction if it is not pushed or pulled. If thrust or pull is received, it belongs to the category of static friction. The size of friction is equal to that of pull or thrust, and has nothing to do with the gravity or pressure of the object. Only the maximum static friction is related to the pressure or gravity on the object

if the object is not pushed by 10N force, the object will be subjected to static friction, which is equal to the thrust. Just push with 15N force, and the friction force on the object is the maximum static friction force. If the thrust force is increased later, the friction force will not change. Theoretically, the sliding friction of objects is less than the maximum static friction, but it is generally considered that they are equal

The friction force is f = 15-10 = 5N

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methods to increase beneficial friction

(1) increase the roughness of contact surface

(2) increase the pressure

(3) change rolling friction into sliding friction

(1) replace sliding friction with rolling friction

(2) make the contact surface separate [form a layer of air cushion or magnetic suspension on the contact surface of the object]

(3) decrease the pressure

(4) rece the roughness of the contact surface

In engineering technology, people often rece friction by applying lubricating oil. The science of this problem is called tribology, which is a branch of mechanical manufacturing

If two objects, which are in contact with each other and squeeze each other, but relatively still, only have a relative sliding trend under the action of external force, but do not have relative sliding, then the force between their contact surfaces hindering relative sliding is called "static friction". When the static friction increases to the maximum, the object will move

size: the static friction varies according to the external force, but there is a maximum value, which is called the maximum static friction. The maximum static friction is slightly greater than the sliding friction

direction: tangent to the contact surface, opposite to the direction of relative motion trend

On the basis of a large number of experiments, G. amunton and C. - A. de Coulomb proposed the following law of friction in 1699 and 1781:

① the friction between two objects in contact does not exceed a certain maximum value, which has nothing to do with the size of the contact area

(2) the maximum value of friction is proportional to the normal pressure n between two objects

(3) the direction of friction is opposite to the sliding direction of the object, and its magnitude is directly proportional to the normal pressure n between the two objects

the above conclusion is only a rough empirical rule, but because it was found in the early days of mechanical science, it was called the law of friction, also known as Coulomb's law

4.

virtual currency trading is prohibited by the state, so many platforms do not sell it. The relevant documents are as follows: announcement of the people's Bank of China Central Network Information Office, Ministry of instry and information technology, State Administration for Instry and commerce, China Banking Regulatory Commission, China Securities Regulatory Commission, and China Insurance Regulatory Commission on preventing the financing risk of token issuance, All financial institutions and non bank payment institutions shall not directly or indirectly provide procts or services such as account opening, registration, trading, clearing and settlement for token issuance and financing and "virtual currency", nor undertake insurance business related to token and "virtual currency" or include token and "virtual currency" into the scope of insurance liability. Financial institutions and non bank payment institutions shall report to the relevant departments in a timely manner if they find clues of violation of laws and regulations in token issuance financing transactions

there are multiple risks in the financing and trading of token issuance, including the risk of false assets, the risk of business failure, the risk of investment speculation and so on. Investors must bear the investment risk on their own, and hope that the majority of investors are wary of being cheated

for all kinds of illegal financial activities carried out by using the name of "currency", the public should strengthen the awareness of risk prevention and identification ability, and timely report relevant illegal clues

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in 2014, there were 5 court judgments, and then increased by multiple, to 62 in 2017. The latest judgment was made by the court on May 2, 2018. 65 kinds of "pyramid schemes" involved more than 10 billion yuan, and more than 10 million people bought them

according to statistics, 141 virtual money pyramid schemes involve MBI, m3, Diablo, Asian, star, Jinyuan shopping alliance, Changjiang international, Qile bar, micro media, bonus point, virtual gold, HGC, COA, LFG, Sri, bismall, ahkcap, CPF, Yifen, K, R, Baichuan, kbao, Zhongfu Tongbao, Hongtong Raines electronic currency, global BlackRock No.1 financial currency, Glasberg, BCI, m currency

wing coin, ev coin, performance coin, FIS, u coin, ES, zangbao performance coin, huiai e-coin, Jianye disk e-coin, subsidy coin, hftag, Kaixin compound interest coin, kuailine virtual currency, Shihua coin, ente coin, CPM, karat coin, supreme coin, Wuhua union virtual currency, Meisheng e, Zhonghua coin, Mimi virtual currency, FIS, world Yunlian cloud coin There are at least 65 kinds of "virtual currency" such as Liwu coin, Vicat coin and mark coin. These virtual money MLM organizations have at least 15653622 members in China

according to the judgment documents, among the above-mentioned virtual currency pyramid schemes, Vicat is the most involved, with a total amount of 7 billion, and its global membership number is 10770000, with the largest number. In terms of the development scale of MLM organizations in China, "cloud coin" (also known as world UnionPay and world cloud network MLM platform) has the largest number of MLM organizations (4391449); Second, the "dark money" pyramid marketing organization has developed more than 3.4 million members

5. Do you want money and digital money? It's not the same thing. Don't mix it up.

6. The central bank has not yet issued it. Strictly speaking, what the central bank will launch is called digital currency. The so-called Libo currency, at least in China, is illegal.

7. But this is not the source of bitcoin's value
nowadays, ordinary computers can't dig a coin a year
therefore, I believe that the value of bitcoin comes from people's confidence in it, and it is basically not used for other purposes than money
however, the reality is that there are few occasions where bitcoin can be used for payment
at present, there are many different opinions on whether it can maintain its value. Bitcoin is not valuable, but maybe more people think that bitcoin will be worthless in the future. Bitcoin is similar to gold. The real source of the value of bitcoin lies in people's confidence in it. As far as I know, some people hold the same view as you

bitcoin advocates believe that; The value of bitcoin lies in the excellent characteristics that bitcoin is suitable to be used as currency
although generating bitcoin requires cost, not labor, and can be widely recognized by people. Because if no one wants bitcoin itself, some people think that bitcoin may rise to $10000 in the future. To put it bluntly, no matter how high the cost of mining is, it will not be worth money if you don't believe it. If people believe it is worth money, it will be worth money, so it is worth money, but it is scarce. Of course, the current price comes from people's expectation of the future of bitcoin