Six flowers of digital currency
China does not issue digital currency, and all the existing digital currencies are illegal
the central bank pointed out that no legal digital currency has been issued, and no institutions and enterprises have been authorized to issue legal digital currency. At present, the so-called "digital currency" in the market is not legal digital currency
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
"the legal currency of our country is RMB." In the risk warning, the monetary Bureau of the people's Bank of China once again stressed that RMB is uniformly printed and issued by the people's Bank of China
extended information:
with the soaring price of virtual currency represented by bitcoin, digital currency and the blockchain technology behind it have attracted great attention of the global financial community. In fact, legal digital currency has not yet been issued in China. Recently, the official website of the monetary Bureau of the people's Bank of China (PBOC) released the risk warning on issuing or promoting digital currency in the name of the people's Bank of China
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
At the same time, digital money is different from electronic payment. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence. Before digital currency, the financial instry has been highly informationized P>such as Internet banking, WeChat, Alipay and other payment electronic popularization graally, physical cash accounts for only a very small part of all circulating currencies. In spite of this, because the money used in the transaction comes from the bank account, it actually corresponds to the banknotes
currently, digital currency in the market involves multi-level marketing
digital currency is a new technology that can improve the efficiency of transaction, but it is targeted by lawless elements to carry out pyramid selling and fraud in its name
the official website of the monetary Bureau of the people's Bank of China issued the risk warning on issuing or promoting digital currency in the name of the people's Bank of China. The central bank pointed out that recently, indivial enterprises falsely used the name of our bank to label relevant digital procts as "authorized issuance by the people's Bank of China", or falsely claimed that the digital currency promotion team of the central bank issued, in an attempt to deceive the public and take the opportunity to make huge profits
in the risk warning, the central bank stressed that the bank 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
at the same time, 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. The general public should raise their risk awareness, invest rationally and prudently, and prevent the interests from being damaged
2019 August 21st, the official account of WeChat central bank released two articles on digital currency.
digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. 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
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first of all, it has the same meaning as paper money. Digital currency is getting closer to us, so how is it different from traditional cash Mu Changchun, director of the digital currency Research Institute of the Central Bank of China, said that the function and nature of digital currency are exactly the same as paper money, but its form is digital currency. Yi Gang, governor of the central bank, said that the goal of digital currency is to replace part of cash. Fan Yifei also wrote in the book that the cost of issuing, printing, returning and storing the existing banknotes is high, the circulation system is high, it is inconvenient to carry, easy to forge, anonymous and uncontrollable, and it is used for money laundering. The demand for digitization is growing. Although digital currency has the nature of legal tender, many people think that its use is very similar to the current mobile payment
at present, the world's major central banks have been studying and exploring the new development of digital currency; The battlefield;. Huachuang Securities said that in 2019, more than 80% of the world's central banks participated in the research of digital currency, more than 40% of them have entered the pilot stage of digital currency, and nearly 10% of them have reached the landing stage. From the perspective of practitioners, the advanced layout in the field of digital currency will proce & lt; Listen to the thunder in a quiet place; It's a good effect. Although the digital currency Research Institute of the people's Bank of China emphasizes that the current online transmission of DC / EP information is a test content in the process of technology development, it does not mean that the digital RMB has been officially issued. The current closed-end examination will not affect the commercial operation of listed companies, nor will it affect the RMB issuance and circulation system, financial market and social economy outside the testing environment strong>