Can digital currency repay the mortgage
It's illegal
the central bank indicated that it has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency
In addition, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud 
extended information:
virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. This kind of virtual currency is mainly limited to circulation in a specific virtual environment. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency
in 2013, the central bank, together with five ministries and commissions, issued the notice on prevention of bitcoin risks, which clearly defined non legal digital currencies such as bitcoin as virtual commodities, which do not exist in the form of currency and legal currency
ways to purchase digital currency:
at present, digital currency is more like an investment proct. Due to the lack of a strong guarantee institution to maintain its price stability, its role as a measure of value has not yet appeared, nor can it be used as a means of payment. As an investment proct, the development of digital currency is inseparable from trading platforms, operating companies and investors
trading platforms play the role of trading agents, while some play the role of market makers. The profits of these trading platforms come from the current expenses and premium income of investors trading or holding digital currency
1. Investors need to register accounts first, and obtain digital currency accounts and US dollar or other foreign exchange accounts at the same time
2. Users can use the money in their cash account to buy and sell digital currency, just like buying and selling stocks and futures
3. The trading platform will sort the buying and selling requests according to the rules and start matching. If the requirements are met, the transaction will be completed
4. Due to the difference between the trading volume submitted by users, the trading request can be partially executed
take RBM operated by professional operation company opencoin as an example: ripple protocol was originally designed based on payment method, and its design idea was based on acquaintance relationship network and trust chain. Using ripple network for remittance or loan, the premise is that the payee and the payer must be friends or have common friends. Otherwise, the trust chain between users and other users cannot be established, and the transmission cannot be carried out
extended information:
the characteristics of digital currency are as follows:
1, low transaction cost
compared with traditional bank transfer, remittance and other methods, digital currency transaction does not need to pay fees to the third party, and its transaction cost is lower, especially compared with the cross-border payment of high handling charges to payment service providers
2, fast transaction speed
the blockchain technology used in digital currency has the characteristics of decentralization, and it does not need any centralized organization similar to the clearing center to process data, so the transaction processing speed is faster
3, high anonymity
in addition to the physical form of currency can achieve peer-to-peer transactions without intermediary participation, one of the advantages of digital currency compared with other electronic payment methods is that it supports remote peer-to-peer payment, and it does not need any trusted third party as intermediary
both sides of the transaction can complete the transaction in a completely strange situation without mutual trust, so they have higher anonymity and can protect the privacy of the traders, but at the same time, they also create convenience for cyber crime, which is easy to be used by money laundering and other criminal activities
the central bank's version of digital currency will first be applied to the bill market. The central bank's version of digital currency has the property of currency and has the credit endorsement of the central bank
recently, Puyin group also launched the tea based digital currency Puyin. Puyin is a high-quality Tibetan tea asset that is stored, identified, evaluated and authorized by three parties, and a standard digital currency issued by encryption and digitization.
When did you ask him to earn it
being cheated once is unknowable, but being cheated twice is excusable. Being cheated three times is a muscle. Being cheated four times or more, I can only say that there are too few cheaters in the world to be used by your father alone.
this model does not change the relationship between creditor's rights and debt of currency in circulation, the existing money supply system and al account structure, will not constitute a competition for commercial banks' deposit currency, will not increase the dependence of commercial banks on the inter-bank lending market, will not affect the lending ability of commercial banks, and will not lead to the phenomenon of "financial disintermediation". At the same time, because it does not affect the existing monetary policy transmission mechanism, it will not strengthen the pro cyclical effect under the pressure environment, and it can improve the convenience and security of payment, and it also has the credit advantage of central bank endorsement<
practical significance:
the digitalization of central bank's currency helps to optimize the central bank's monetary payment function and improve the central bank's monetary status and the effectiveness of monetary policy. The central bank's digital currency can become an interest bearing asset to meet the holder's reserve demand for safe assets, and can also become the lower limit of bank deposit interest rate. It can also become a new monetary policy tool. At the same time, the central bank can affect the bank's deposit and loan interest rate by adjusting the central bank's digital currency interest rate, and help break the zero interest rate lower limit
for reference.
, mortgage currency
and see what others say.
when the amount of money issued in the market is greater than the amount of money demanded in the market, inflation occurs. At this time, there appears to be excessive money in the market. The solution is that the central bank takes back the excess money, and the means is to increase the deposit and loan rate
1. By increasing the deposit interest rate, more interest will stimulate the money holders to rece the amount of money in hand and choose to deposit, so as to achieve the purpose of recing the amount of money
2. Raising the loan interest rate and higher interest will also stimulate enterprises to rece loans to avoid interest, and also achieve the purpose of recing the amount of money.