Risk of digital currency acceptor
Publish: 2021-04-18 01:12:23
1.
Yin Zhentao, deputy director of the law and Finance Research Office of the Financial Research Institute of the Chinese Academy of Social Sciences, said that digital currency faces two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process
Zhao Zhanzhan, a special researcher of intellectual property research center of China University of political science and law, believes that digital currency has anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
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.
When bitcoin was first launched, a bitcoin could not buy a hamburger, but now a bitcoin can buy a car, which is the violence of virtual currency. The virtual digital currency led by bitcoin has let many investors see the dawn{ RRRRR}
we all like to save money, at most for a fixed period. A few people buy stocks, let alone virtual digital currency
the biggest risk of digital currency is instability. It is not a currency recognized by the International Monetary Fund. Bitcoin can not be traded directly, nor can it be used to buy things directly, because the number of bitcoin is limited. Therefore, many people feel that it is necessary to invest
and now many countries prohibit the transaction of virtual currency, because digital currency helps money laundering. Many people launder money through digital currency to evade supervision. Once the government finds it illegal, it will be unfavorable for the trend of digital currency
there is a lot of uncertainty in digital currency, and the biggest fear is the collapse of the whole system. In the end, there is nothing left, so there are risks in investment
4. There are risks in electronic acceptance bill
E-commercial bill refers to the bill that the drawer relies on the e-commercial bill system of the people's Bank of China, which is made in the form of data message and entrusts the payer to unconditionally pay a certain amount to the payee or the holder on a specified date
e-commerce bills are divided into e-banking acceptance bills and e-commerce acceptance bills
e-bank acceptance bills are accepted by banking financial institutions and financial companies; Electronic commercial acceptance bills are accepted by legal persons or other organizations other than financial institutions
maturity date of commercial bills:
the payment term of paper commercial bills shall not exceed 6 months at most
the payment term of e-commerce bills shall not exceed one year from the date of issue to the e date
commercial acceptance bills can be issued and accepted by the drawee, or by the payee to the drawee for acceptance
the bank acceptance bill shall be issued by the depositor who opens a deposit account in the "acceptance bank"
scope of application:
the legal person and other organizations that open a deposit account in a bank have a real transaction relationship or creditor debt relationship, and can use commercial bills
commercial bills can only be used between units, and indivials cannot use commercial bills for settlement
remittance, entrusted collection, bank draft, cashier's check and check: both units and indivials can use them
domestic L / C, collection and acceptance, commercial draft: cannot be used by indivials.
E-commercial bill refers to the bill that the drawer relies on the e-commercial bill system of the people's Bank of China, which is made in the form of data message and entrusts the payer to unconditionally pay a certain amount to the payee or the holder on a specified date
e-commerce bills are divided into e-banking acceptance bills and e-commerce acceptance bills
e-bank acceptance bills are accepted by banking financial institutions and financial companies; Electronic commercial acceptance bills are accepted by legal persons or other organizations other than financial institutions
maturity date of commercial bills:
the payment term of paper commercial bills shall not exceed 6 months at most
the payment term of e-commerce bills shall not exceed one year from the date of issue to the e date
commercial acceptance bills can be issued and accepted by the drawee, or by the payee to the drawee for acceptance
the bank acceptance bill shall be issued by the depositor who opens a deposit account in the "acceptance bank"
scope of application:
the legal person and other organizations that open a deposit account in a bank have a real transaction relationship or creditor debt relationship, and can use commercial bills
commercial bills can only be used between units, and indivials cannot use commercial bills for settlement
remittance, entrusted collection, bank draft, cashier's check and check: both units and indivials can use them
domestic L / C, collection and acceptance, commercial draft: cannot be used by indivials.
5. Let's take a case study.
a company in Yunnan was cheated of 50 million yuan by discounting a bill of exchange.
after learning that Yunnan No.1 Management Co., Ltd. urgently needed to discount an electronic acceptance bill of 50 million yuan, Zhu and his accomplices first pretended to be the legal representative of the company and then approached the "middleman" to defraud the trust of the injured company. After the money entered his own account, Zhu and his accomplices pretended to be the legal representative of the company, He took the opportunity to take the money away. Recently, the reporter learned from the Xishan District procuratorate that Zhu, Shen and other five suspects have been arrested according to law, and the case will be further examined and prosecuted. Prosecutors reminded that electronic acceptance bill fraud means novel, bill discount, transfer quickly, should be vigilant< On May 5 last year, a Yunnan Management Co., Ltd. issued an e-bank acceptance bill with a term of one year and an amount of 50 million yuan in a bank in Kunming e to the need of capital turnover, and needed to cash the E-bank acceptance bill. During the billing period, Zhang, the bank's customer manager, has been recommending to Zuo, the person in charge of the Management Co., Ltd., to his friend's company for endorsement and discount business, and has always promised to ensure the safety of funds. Considering the better cooperation with the bank in the future business, Zuo agreed to go to the company recommended by Zhang to handle the endorsement discount business, and according to the agreement with "intermediary" Cai, at 10:00 a.m. on May 6, according to the two endorsement messages sent by Cai through wechat, In the bank, the E-bank acceptance bill was given to a designated "Jiangsu Import and export trade Co., Ltd." by CAI
however, the accident happened. Although Zuo kept urging for the payment, the payment didn't return to the account until 11:30. He vaguely felt that something was wrong and asked CAI to contact the other party to return the company's e-bank acceptance bill. After the other party agreed to refund the bill, he explained that "the payment is already being made, and the payment will arrive soon.", On the other side, the contact information is closed. Until 12 o'clock, Zuo checked the flow direction of the bill and found that the bill had been signed by a Jiangsu Import and export trade Co., Ltd. in China Merchants Bank. Zuo immediately called 110 to call the police
the case involved a large amount of money, which had a great impact on the injured company. The police investigation of Xishan Branch of Kunming Public Security Bureau found that Zhu, Shen, ran and others were suspected of major crimes. Under the close control of the public security organs, ran was arrested on May 12, and Zhu and others were arrested on May 21
to win the middleman and get the business after cheating
"after investigation, it was found that the suspect Zhu and his partner shen Mou, Yang, Huang, Ah Da (escaped) and Lao Chen (fled) and others had learned that the management company would cash the electronic acceptance bill, then they would discuss the electronic acceptance bill. They first pretended to be the legal representative of an import and export trade Co., Ltd. in Jiangsu Province, cheated the Management Co., Ltd. of its trust, and then quickly swept away the acceptance bill. " According to the prosecutor in charge of the case, in the case, Zhu first wooed the "middleman" of the intermediary in Yunnan to obtain the trust of the injured company and obtain business. After the bill was successfully obtained, he contacted the discount company to discount illegally; Shen is responsible for the endorsement of electronic acceptance bills, the electronic bank transfer of stolen money, and assisting Zhu to destroy the computer after committing the crime. The suspect Yang and Huang provide help for fraud.
the prosecutor told the reporter that "middlemen" are specialized in the discount of enterprises, and many people who intend to defraud acceptance bills will have relations with them, promise benefits, etc., in order to obtain similar business
in the transfer of stolen money, a Shenzhen trading company under the name of a certain criminal suspect ran three yuan in May 6th to help transfer 6565000 yuan of the above stolen money. Ran confessed that "a Trading Co., Ltd. in Shenzhen" was handled by his friend "a long" (now running away) with his ID card. The account for transferring the stolen money was also handled by "a long" with his ID card. The contact number left in applying for the account was also the phone number held by "a long". The bank card, online banking and U shield of the account were kept by "a long", The password is set by "a long", who only signs when he needs to sign face-to-face. After the bank card application is successful, "a long" gives him 3000 yuan "salary", and he doesn't know anything about the transfer of stolen money.
a company in Yunnan was cheated of 50 million yuan by discounting a bill of exchange.
after learning that Yunnan No.1 Management Co., Ltd. urgently needed to discount an electronic acceptance bill of 50 million yuan, Zhu and his accomplices first pretended to be the legal representative of the company and then approached the "middleman" to defraud the trust of the injured company. After the money entered his own account, Zhu and his accomplices pretended to be the legal representative of the company, He took the opportunity to take the money away. Recently, the reporter learned from the Xishan District procuratorate that Zhu, Shen and other five suspects have been arrested according to law, and the case will be further examined and prosecuted. Prosecutors reminded that electronic acceptance bill fraud means novel, bill discount, transfer quickly, should be vigilant< On May 5 last year, a Yunnan Management Co., Ltd. issued an e-bank acceptance bill with a term of one year and an amount of 50 million yuan in a bank in Kunming e to the need of capital turnover, and needed to cash the E-bank acceptance bill. During the billing period, Zhang, the bank's customer manager, has been recommending to Zuo, the person in charge of the Management Co., Ltd., to his friend's company for endorsement and discount business, and has always promised to ensure the safety of funds. Considering the better cooperation with the bank in the future business, Zuo agreed to go to the company recommended by Zhang to handle the endorsement discount business, and according to the agreement with "intermediary" Cai, at 10:00 a.m. on May 6, according to the two endorsement messages sent by Cai through wechat, In the bank, the E-bank acceptance bill was given to a designated "Jiangsu Import and export trade Co., Ltd." by CAI
however, the accident happened. Although Zuo kept urging for the payment, the payment didn't return to the account until 11:30. He vaguely felt that something was wrong and asked CAI to contact the other party to return the company's e-bank acceptance bill. After the other party agreed to refund the bill, he explained that "the payment is already being made, and the payment will arrive soon.", On the other side, the contact information is closed. Until 12 o'clock, Zuo checked the flow direction of the bill and found that the bill had been signed by a Jiangsu Import and export trade Co., Ltd. in China Merchants Bank. Zuo immediately called 110 to call the police
the case involved a large amount of money, which had a great impact on the injured company. The police investigation of Xishan Branch of Kunming Public Security Bureau found that Zhu, Shen, ran and others were suspected of major crimes. Under the close control of the public security organs, ran was arrested on May 12, and Zhu and others were arrested on May 21
to win the middleman and get the business after cheating
"after investigation, it was found that the suspect Zhu and his partner shen Mou, Yang, Huang, Ah Da (escaped) and Lao Chen (fled) and others had learned that the management company would cash the electronic acceptance bill, then they would discuss the electronic acceptance bill. They first pretended to be the legal representative of an import and export trade Co., Ltd. in Jiangsu Province, cheated the Management Co., Ltd. of its trust, and then quickly swept away the acceptance bill. " According to the prosecutor in charge of the case, in the case, Zhu first wooed the "middleman" of the intermediary in Yunnan to obtain the trust of the injured company and obtain business. After the bill was successfully obtained, he contacted the discount company to discount illegally; Shen is responsible for the endorsement of electronic acceptance bills, the electronic bank transfer of stolen money, and assisting Zhu to destroy the computer after committing the crime. The suspect Yang and Huang provide help for fraud.
the prosecutor told the reporter that "middlemen" are specialized in the discount of enterprises, and many people who intend to defraud acceptance bills will have relations with them, promise benefits, etc., in order to obtain similar business
in the transfer of stolen money, a Shenzhen trading company under the name of a certain criminal suspect ran three yuan in May 6th to help transfer 6565000 yuan of the above stolen money. Ran confessed that "a Trading Co., Ltd. in Shenzhen" was handled by his friend "a long" (now running away) with his ID card. The account for transferring the stolen money was also handled by "a long" with his ID card. The contact number left in applying for the account was also the phone number held by "a long". The bank card, online banking and U shield of the account were kept by "a long", The password is set by "a long", who only signs when he needs to sign face-to-face. After the bank card application is successful, "a long" gives him 3000 yuan "salary", and he doesn't know anything about the transfer of stolen money.
6. The concept of acceptor should be the drawer of commercial acceptance bill, right? The e holder asked him to apply for acceptance discount
your question is not clear
your question is not clear
7. The main risks of commercial acceptance bills are as follows:
1. Based on commercial credit: commercial acceptance bills are based on the commercial credit of enterprises, but at present there is no unified enterprise credit evaluation system in China, so the possibility of default is high, so commercial acceptance bills will have the risk of being unable to be confirmed at maturity
2. Lack of fulfillment commitment: unlike bank acceptance bills, commercial acceptance bills have bank commitment to fulfill. Because there is no supervision, it is easy to encounter difficulties in cashing and discounting
e to the high risk of commercial acceptance bill, it is suggested that when choosing commercial acceptance bill, investors must recognize the credit rating of the enterprise in the bank or financial institution, check whether the instrial and commercial information of the enterprise is true, and the most important thing is to judge whether the commercial acceptance bill has real transaction background
warm tips: the above explanation is for reference only
response time: March 4, 2021. 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
1. Based on commercial credit: commercial acceptance bills are based on the commercial credit of enterprises, but at present there is no unified enterprise credit evaluation system in China, so the possibility of default is high, so commercial acceptance bills will have the risk of being unable to be confirmed at maturity
2. Lack of fulfillment commitment: unlike bank acceptance bills, commercial acceptance bills have bank commitment to fulfill. Because there is no supervision, it is easy to encounter difficulties in cashing and discounting
e to the high risk of commercial acceptance bill, it is suggested that when choosing commercial acceptance bill, investors must recognize the credit rating of the enterprise in the bank or financial institution, check whether the instrial and commercial information of the enterprise is true, and the most important thing is to judge whether the commercial acceptance bill has real transaction background
warm tips: the above explanation is for reference only
response time: March 4, 2021. 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
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