The disadvantages of digital currency to banks
Publish: 2021-04-16 19:52:42
1. Legal risks faced by digital currency: (1) at the macro level, there are legal risks, systematic risks and consumer protection. At present, the legislative problems of e-commerce and e-payment have not been solved, the concept of e-currency and related provisions need to be clarified, and many laws and regulations have not been followed up. Secondly, there is a systemic risk caused by the collapse of a single issuing institution. If a certain issuing institution loses confidence in e-money e to its poor management, other e-money issuing institutions will also face run risk. Moreover, in the absence of standardized supervision, it is difficult for the public to effectively identify the qualification and credit level of issuers. How to effectively prompt risks and protect the rights and interests of the public has become a difficult problem. In addition, the concealment, rapidity and cross-border nature of Internet payment make e-money an inevitable money laundering tool for criminals 2 At the micro level, there are technical risks and credit risks in the main body of e-money issuance. The issuers of e-money in China include banks, non bank financial institutions, Internet enterprises and other enterprises. Due to the weak financial professional foundation of some issuers, especially the lack of mandatory technical security standards in China, there are serious management loopholes and security risks in e-money issuers. System software or hardware failures will affect the availability of e-money. Secondly, the unreasonable structure of assets and liabilities and high concentration of investment will lead to the lack of liquidity and the risk of default. In addition, the payment and circulation of e-money rely heavily on all kinds of networks, and there are all kinds of operational risks, such as deliberate embezzlement of other people's accounts, internal crimes of issuing institutions and malicious intrusion of hackers, which will damage the interests of e-money holders. bitcoin, Ruitai and other digital currencies are suitable.
2. Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is a kind of unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of specific virtual communities. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form
according to the notice on preventing the financing risk of token issuance, there is no approved digital currency trading platform in China. According to China's digital currency regulatory framework, investors have the freedom to participate in digital currency transactions at their own risk
warm tips: the above information is for reference only. Before investing, it is recommended that you first understand the risks existing in the project, and understand the investors, investment institutions, chain activity and other information of the project, rather than blindly investing or mistakenly entering the capital market. Investment is risky, so we should be cautious when entering the market
response time: December 11, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An Bank I know] want to know more? Come and see "Ping An Bank I know" ~
https://b.pingan.com.cn/paim/iknow/index.html
digital currency is a kind of unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of specific virtual communities. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form
according to the notice on preventing the financing risk of token issuance, there is no approved digital currency trading platform in China. According to China's digital currency regulatory framework, investors have the freedom to participate in digital currency transactions at their own risk
warm tips: the above information is for reference only. Before investing, it is recommended that you first understand the risks existing in the project, and understand the investors, investment institutions, chain activity and other information of the project, rather than blindly investing or mistakenly entering the capital market. Investment is risky, so we should be cautious when entering the market
response time: December 11, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An Bank I know] want to know more? Come and see "Ping An Bank I know" ~
https://b.pingan.com.cn/paim/iknow/index.html
3. Looking back on the whole course of money development, every evolution of money form has greatly promoted the development of circulation
there are ecological changes in personal consumption, business operation and banking.
there are ecological changes in personal consumption, business operation and banking.
4. Digital currency does not worry about counterfeit money. If it is paper money, it worries about counterfeit money. I don't worry. I didn't take any money with me.
5.
Many central bank governors voice the trend of digital currency, bitcoin will not replace other legal currencies in the end. 1. There is no way to regulate bitcoin, which hinders monetary policy. 2. The global circulation of bitcoin can make many criminal organizations launder money with the growing popularity of the Internet, bitcoin has attracted more and more attention, and many big men have begun to build bitcoin platforms, which makes many people have high expectations of bitcoin, and bitcoin has also seen a significant rise. Central bank governors of many countries are talking about the trend of digital currency. Bitcoin will not replace other fiat currencies in the end. The main reason is that the decentralization of bitcoin leads to no government being able to manage and control bitcoin, which makes it easy for bitcoin to become a money laundering tool for many criminals, thus affecting the development of the country, This is also the most direct reason why bitcoin can not obtain legal tender digital currency is a currency that can be controlled by the state or the government. This kind of currency is very different from bitcoin. The state recognizes digital currency, but there is no national recognition of bitcoin, which is the real reason why bitcoin will not replace legal currency in the end
6. 1. Novice and low-grade areas of all races
damorro, twilight forest, wetland, Irvine forest, rotal, barren land, rockmodan, western wilderness, Chiji mountain, tirisfa woodland, Silverpine forest, black coast, mogare, Hillsbrad hills, gray Valley, thousand needle stone forest, bleak land, Shizhuo mountain, Yongge forest, ghost land, Miran Island, Secret blood island
65 tin mine low-grade area
Twilight forest, wetland, st and mud swamp, barren land, thorn Valley, altrank mountains, rockmodan, western wilderness, Chiji mountain, alaxi highland, silver pine forest, black coast, Hillsbrad hills, gray Valley, thousand needle stone forest, desolate land, Shizhuo mountain, ghost land, Secret blood island
Bronze Ingot 1 copper ingot + 1 tin ingot = 2 bronze ingot smelting Bronze Ingot requires mining skills (65)
75 silver mine
barren land, sad swamp, twilight forest, wetland, st swamp, barren land, thorn Valley, otalk mountains, lockmodan, western wilderness, Chiji mountain, alaxi highland, hindland, silver pine forest, black coast, Hillsbrad hills, gray Valley, Filas, Thousand needle stone forest, desolate land, stone claw mountain range, tanalis, land of the ghost, secret blood island
Silver Mine covered with mud
125 iron ore
barren land, sad swamp, twilight forest, wetland, st and mud swamp, thorn Valley, otalk mountain range, Arashi highland, sintland, scorching Canyon, Hillsbrad hills, gray Valley, firas, thousand needle stone forest, desolate land, stone claw mountain range, Tanalis
155 gold mines occur in middle and high-grade areas
barren land, curse land, sad swamp, twilight forest, wetland, st and mud swamp, Isala, West plague land, thorn Valley, otalk mountains, alaxi highland, burning plain, cintland, scorching Canyon, East plague land, Hillsbrad hills, gray Valley, firas, fewood forest, thousand needle stone forest, desolate land, Shizhua mountain range, tanalis, Angolo crater, Dongquan Valley, xilisus
Gold Mine covered with soft mud
ingot 1 iron ingot + 1 coal = 1 ingot smelting ingot requires mining skills (165)
175 there are middle and high grade areas of Mithril vein
barren land, curse land, sad swamp, st mud swamp, Isala, West plague land, thorn Valley, otank mountain range, Alaxi Highlands, burning plains, singland, scorching Canyon, east pestilence, Hillsbrad hills, firas, feywood forest, thousand needle stone forest, bleak land, stone claw mountain range, tanalis, Angolo crater, winter spring valley, silysus
mud covered secret silver mine
230 true silver ore
barren land, curse land, sadness swamp, st swamp, Isala, Pestilence of the west, thorn Valley, altrank mountains, alaxi Highlands, burning plains, cintland, scorching Canyon, pestilence of the East, Filas, feywood forest, thousand needle stone forest, desolate land, Shizhuo mountains, tanalis, Angolo crater, winter spring valley, hilisus
true silver covered by soft mud
230 black iron vein
burning plains, scorching Canyon, Blackstone abyss
250 silver ore veins
curse land, West plague land, burning plain, sintland, scorching Canyon, East plague land, Filas, feywood forest, tanalis, Angolo crater, winter spring valley, sirisus
silver ore covered with soft mud
275 Silver ore of fuser
Isala, West plague land, burning plain, East plague land, Angolo crater, Dongquan Valley, Hellfire Peninsula
fuser silver deposit covered by soft mud
source of black iron ore: Burning Plain, scorching Canyon, Blackstone abyss, heart of molten fire
learn to smelt black iron ingot: learn it in the hall of Seven Sages in Blackstone abyss (the second NPC on the right hand). Materials required: 20 gold ingots, 10 real silver ingots, 2 Ruby; You need the Blackstone abyss key - the dark furnace key (task - the legacy of black iron) to turn on and off. The key is to go through the Blackstone bar and ask the bar owner Prag to buy 6 bottles of black iron wine cups for NPC or complete the task of enchantment NPC<
300-330
mainly mined moxa veins (Hellfire Peninsula, zanga swamp)
330-355
mainly mined moxa veins and refined gold veins (nagland)
355-375
mainly mined moxa veins and refined gold veins (shadow Moon Valley, tyroca forest)
distribution of world of Warcraft ore occurrences
black coast: copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper Silver mine
damolo: Copper Mine
lota: Copper Mine
locomodan: copper mine, tin mine
mogaorei: Copper Mine
wetland: copper mine, tin mine, silver mine, iron mine
barren land: copper mine, tin mine, silver mine, iron mine
Irvine forest: Copper Mine
Shizhuo mountain: copper mine, tin mine, silver mine, iron mine, Mitsui
western wilderness: copper mine Tin, silver
ash Valley: copper, tin, silver, iron
chijishan: copper, tin
thousand needle Stone Forest: copper, tin, silver, iron, silver
Twilight forest: copper, tin, iron, gold
desolate place: copper, tin, silver, iron, silver Gold mine
tirisfalin: Copper Mine
st mud swamp: copper mine, tin mine, iron mine, gold mine, silver mine
Yinsong forest: copper mine, tin mine, silver mine
tanalis: Iron Mine, gold mine, silver mine, silver mine
Hillsbrad hills: copper mine, tin mine, silver mine, iron mine
Filas: Iron Mine, gold mine, silver mine, silver mine Selin
altrank Mountains: copper, tin, iron ore, gold, Mithril
Isala: gold, Mithril, true silver, Selin, Fortier silver
arahi highlands: tin, silver, iron ore, Mithril
fewood forest: gold, Mithril, true silver, Selin
thorn Valley: tin, silver, iron ore, gold, Mithril True silver
angoro crater: gold, Mithril, true silver, sehril, fuhril
barren land: silver, iron ore, gold, Mithril, true silver
sirisus: Mithril, true silver, sehril, fuhril
sad swamp: iron, Mithril
Dongquan Valley: gold, Mithril, true silver, sehril, fuhril
scorching Canyon: iron, Mithril, sehril, fuhril Black iron
tedasher: there are no ore spots at present
sintland: silver mine, iron mine, gold mine, secret silver, true silver, Se silver
moonlight woodland: there are no ore spots at present
curse land: gold mine, secret Silver, true silver, Se silver
Burning Plain: gold mine, secret silver, true silver, black iron, Se silver, Fu se silver
West plague land: gold mine, secret silver, true silver, Se silver Fuser silver
East plague land: gold mine, secret silver, true silver, Se silver, fuser Silver
damorro, twilight forest, wetland, Irvine forest, rotal, barren land, rockmodan, western wilderness, Chiji mountain, tirisfa woodland, Silverpine forest, black coast, mogare, Hillsbrad hills, gray Valley, thousand needle stone forest, bleak land, Shizhuo mountain, Yongge forest, ghost land, Miran Island, Secret blood island
65 tin mine low-grade area
Twilight forest, wetland, st and mud swamp, barren land, thorn Valley, altrank mountains, rockmodan, western wilderness, Chiji mountain, alaxi highland, silver pine forest, black coast, Hillsbrad hills, gray Valley, thousand needle stone forest, desolate land, Shizhuo mountain, ghost land, Secret blood island
Bronze Ingot 1 copper ingot + 1 tin ingot = 2 bronze ingot smelting Bronze Ingot requires mining skills (65)
75 silver mine
barren land, sad swamp, twilight forest, wetland, st swamp, barren land, thorn Valley, otalk mountains, lockmodan, western wilderness, Chiji mountain, alaxi highland, hindland, silver pine forest, black coast, Hillsbrad hills, gray Valley, Filas, Thousand needle stone forest, desolate land, stone claw mountain range, tanalis, land of the ghost, secret blood island
Silver Mine covered with mud
125 iron ore
barren land, sad swamp, twilight forest, wetland, st and mud swamp, thorn Valley, otalk mountain range, Arashi highland, sintland, scorching Canyon, Hillsbrad hills, gray Valley, firas, thousand needle stone forest, desolate land, stone claw mountain range, Tanalis
155 gold mines occur in middle and high-grade areas
barren land, curse land, sad swamp, twilight forest, wetland, st and mud swamp, Isala, West plague land, thorn Valley, otalk mountains, alaxi highland, burning plain, cintland, scorching Canyon, East plague land, Hillsbrad hills, gray Valley, firas, fewood forest, thousand needle stone forest, desolate land, Shizhua mountain range, tanalis, Angolo crater, Dongquan Valley, xilisus
Gold Mine covered with soft mud
ingot 1 iron ingot + 1 coal = 1 ingot smelting ingot requires mining skills (165)
175 there are middle and high grade areas of Mithril vein
barren land, curse land, sad swamp, st mud swamp, Isala, West plague land, thorn Valley, otank mountain range, Alaxi Highlands, burning plains, singland, scorching Canyon, east pestilence, Hillsbrad hills, firas, feywood forest, thousand needle stone forest, bleak land, stone claw mountain range, tanalis, Angolo crater, winter spring valley, silysus
mud covered secret silver mine
230 true silver ore
barren land, curse land, sadness swamp, st swamp, Isala, Pestilence of the west, thorn Valley, altrank mountains, alaxi Highlands, burning plains, cintland, scorching Canyon, pestilence of the East, Filas, feywood forest, thousand needle stone forest, desolate land, Shizhuo mountains, tanalis, Angolo crater, winter spring valley, hilisus
true silver covered by soft mud
230 black iron vein
burning plains, scorching Canyon, Blackstone abyss
250 silver ore veins
curse land, West plague land, burning plain, sintland, scorching Canyon, East plague land, Filas, feywood forest, tanalis, Angolo crater, winter spring valley, sirisus
silver ore covered with soft mud
275 Silver ore of fuser
Isala, West plague land, burning plain, East plague land, Angolo crater, Dongquan Valley, Hellfire Peninsula
fuser silver deposit covered by soft mud
source of black iron ore: Burning Plain, scorching Canyon, Blackstone abyss, heart of molten fire
learn to smelt black iron ingot: learn it in the hall of Seven Sages in Blackstone abyss (the second NPC on the right hand). Materials required: 20 gold ingots, 10 real silver ingots, 2 Ruby; You need the Blackstone abyss key - the dark furnace key (task - the legacy of black iron) to turn on and off. The key is to go through the Blackstone bar and ask the bar owner Prag to buy 6 bottles of black iron wine cups for NPC or complete the task of enchantment NPC<
300-330
mainly mined moxa veins (Hellfire Peninsula, zanga swamp)
330-355
mainly mined moxa veins and refined gold veins (nagland)
355-375
mainly mined moxa veins and refined gold veins (shadow Moon Valley, tyroca forest)
distribution of world of Warcraft ore occurrences
black coast: copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper Silver mine
damolo: Copper Mine
lota: Copper Mine
locomodan: copper mine, tin mine
mogaorei: Copper Mine
wetland: copper mine, tin mine, silver mine, iron mine
barren land: copper mine, tin mine, silver mine, iron mine
Irvine forest: Copper Mine
Shizhuo mountain: copper mine, tin mine, silver mine, iron mine, Mitsui
western wilderness: copper mine Tin, silver
ash Valley: copper, tin, silver, iron
chijishan: copper, tin
thousand needle Stone Forest: copper, tin, silver, iron, silver
Twilight forest: copper, tin, iron, gold
desolate place: copper, tin, silver, iron, silver Gold mine
tirisfalin: Copper Mine
st mud swamp: copper mine, tin mine, iron mine, gold mine, silver mine
Yinsong forest: copper mine, tin mine, silver mine
tanalis: Iron Mine, gold mine, silver mine, silver mine
Hillsbrad hills: copper mine, tin mine, silver mine, iron mine
Filas: Iron Mine, gold mine, silver mine, silver mine Selin
altrank Mountains: copper, tin, iron ore, gold, Mithril
Isala: gold, Mithril, true silver, Selin, Fortier silver
arahi highlands: tin, silver, iron ore, Mithril
fewood forest: gold, Mithril, true silver, Selin
thorn Valley: tin, silver, iron ore, gold, Mithril True silver
angoro crater: gold, Mithril, true silver, sehril, fuhril
barren land: silver, iron ore, gold, Mithril, true silver
sirisus: Mithril, true silver, sehril, fuhril
sad swamp: iron, Mithril
Dongquan Valley: gold, Mithril, true silver, sehril, fuhril
scorching Canyon: iron, Mithril, sehril, fuhril Black iron
tedasher: there are no ore spots at present
sintland: silver mine, iron mine, gold mine, secret silver, true silver, Se silver
moonlight woodland: there are no ore spots at present
curse land: gold mine, secret Silver, true silver, Se silver
Burning Plain: gold mine, secret silver, true silver, black iron, Se silver, Fu se silver
West plague land: gold mine, secret silver, true silver, Se silver Fuser silver
East plague land: gold mine, secret silver, true silver, Se silver, fuser Silver
7. If digital currency is fully popularized, then there is still a need for commercial banks to exist.
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