Xiamen Construction Bank digital currency

there is no . In response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28, at present, this test has ended . At present, Internet information is the testing content in the process of technology research and development, does not mean that digital RMB is officially launched

it is reported that recently, the app of China Construction Bank launched the digital currency wallet, which surprised people. Users only need to bind their own bank card on the digital currency wallet to open it. In addition, the app of China Construction Bank has added two submenus of digital wallet recharge and digital currency, indicating that users can use the digital RMB wallet to recharge, It is mainly divided into app wallet and hardware wallet

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many companies speed up the layout

recently, there are many rumors about digital RMB, which are also reflected in the capital market. Judging from the performance of the digital currency sector, it recently hit a new high this year

some listed companies revealed that they would pay attention to the field of digital currency and actively lay out their plans. On the e interactive platform of Shanghai Stock Exchange, Qi an Xin said that the pilot test of digital currency has brought more market opportunities for security manufacturers from the new security project opportunities brought by the upgrading of financial IT system, and the company has been paying attention to and actively arranging

Shenzhou Holdings said in the China Daily News that its Shenzhou information has participated in the central bank's digital currency (DC / EP) test and related promotion work of a commercial bank, involving the electronic payment scenario test of encrypted digital currency. As one of the important systems required for the later promotion of DC / EP, Shenzhou information has completed relevant technical reserves, In the future, it can help commercial banks realize the implementation and promotion of digital currency

In fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? However, just after getting excited, I found that the two submenus were completely offline. To this end, CCB responded to the media that: CCB has carried out relevant functional tests in the mobile banking system, and now this test has ended. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially issued

CCB said that on the evening of August 28, CCB carried out relevant functional tests in the mobile banking system, and this test has been completed. At present, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially released. At present, digital RMB is still under test, but the landing time is still unknown. The central bank has also said many times before that the internal closed pilot test does not mean that digital RMB is officially launched{ RRRRR}

the test only lasted for a few minutes, the public could not feel anything, and the test results were only known by the internal relevant personnel in fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? But just excited soon, I found that the two submenus were offline. In response, CCB said to the media: CCB has carried out relevant function test in the mobile banking system. At present, the test is over< at present, online information is the test content in the process of technology development, which does not mean that digital RMB is officially launched

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 digital currency will be issued and used soon. What's the use of digital currency? Is it the same as WeChat Alipay? In this regard, Wang Jian, chief analyst of Guoxin Securities financial instry, believes that the number of Renminbi and banknotes and coins are RMB cash. Alipay, WeChat payment and so on are just a payment tool. Through these two channels, the balance of personal bank card is still used, or the credit card is being brushed, and the digital Renminbi payment is used. What we spend directly is digital RMB, just like cash

So far, Hangzhou City, Shenzhen City and Guizhou Province have become the three hot areas of the central bank's digital currency pilot, and the virtual digital currency ATM has not been installed yet

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China's digital currency characteristics:

1. China digital currency is the proct of the combination of traditional currency and the Internet, and is the Internet plus of financial and monetary domain. p>

2. China's digital currency will be the only digital currency issued by the state in the world so far, with national credit and currency anchor that bitcoin and other digital currencies do not have

3. China's digital currency can learn from blockchain and other new network technologies to enhance its own security and stability. Blockchain is also a kind of mesh topology, which can rece the task of the central server and has anti-counterfeiting function

4. China's digital currency relies on a secure and stable Internet. The promotion and application of quantum communication technology is of great significance to the security of China's digital currency

   

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what is China's digital currency:

1. China's digital currency is based on the real RMB, not a kind of currency made out of thin air. The two are only different in form, the former is electronic data, the latter is RMB paper money

2. China's digital currency is a kind of electronic currency created by digital network technology, which also has the main characteristics of network packets

3. digital currency is an encrypted algorithm, just like a cash note with a unique number, which can not be tampered with< br />

E-cash is a technology of simulating cash in electronic form. But it is more convenient and economical than real money. Its simplest form includes three main bodies: business, user and bank

the full name of e-cash is electronic cash. Also known as e-money or digital cash, it is a very important electronic payment system. It can be regarded as the electronic or digital simulation of real money. E-cash exists in the form of digital information and circulates through the Internet

(1) system independence: the use of e-cash has nothing to do with the computer system

(3) anonymity: banks and businesses collude and cannot track the use of e-cash

(4) unforgeability: users can't make counterfeit money, including two situations: first, users can't make effective e-cash out of thin air; Second, after the user withdraws n effective e-cash from the bank, he can't create effective e-cash according to the information of extracting and paying the N e-cash

(5) transitivity: users can lend e-cash to others like ordinary cash, and can't be tracked

(6) separability: e-cash can make any amount of payment