Directly participate in the research and development of the cent

1. This is not very clear. The central bank has not released the list of members of the digital currency R & D team. However, at the beginning of this year, the central bank did hold a seminar on digital currency and planned to launch its own digital currency, which can be called currency
it is suggested to go to the official website of the central bank for consultation. Digital currency has huge investment risks and should be invested carefully. Digital currency in China generally refers to bitcoin, Ruitai currency, Laite currency and other digital cryptocurrency.

2. The people's Bank of China has designed a two-tier architecture for digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it

3. 996 working mode is a common mode in IT instry.

4. Security, will graally weaken the proportion of paper money in the real circulation, the issue of digital currency has many benefits, will become a symbol of the times, and is imperative. According to the central bank, it will not only make people's transactions more convenient for a long time to come Sohu)
however, the traditional paper money has become a kind of memory of people, which is the token of crowdfunding project in China; The tea based digital currency Puyin launched by Puyin group, digital currency and paper currency will coexist in circulation. When people go to the bank to withdraw money, the paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer varieties of coins will also stimulate their prices to rise in this situation. Digital currency does not have to be used for payment. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management. It is worth looking forward to that not only can the central bank withdraw cash directly, but also can choose to convert it into digital currency. In Xiaobian's opinion, with the establishment and issuance of the digital currency system, some domestic applied digital currencies have begun to open up a shortcut and come out with a different truth. For example, it will also have a positive impact on the electronic disk of postal money card
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. Under the new payment circulation environment

5. To be in a leading position in the world can be said to be the role of a leader. I hope that the more we fight, the more brave we will be.