Strategic cooperation of digital currency Institute
at present, the so-called issuance of legal digital currency in the Internet, and the behavior of indivial institutions launching "DC / EP" or "DCEP" in the name of the people's Bank of China to conct transactions on the asset trading platform may involve fraud and pyramid selling. The general public should raise their risk awareness, not be partial to trust, and guard against interest damage
as early as September 4, 2017, the central bank and other seven departments jointly issued the announcement on preventing the financing risk of token issuance (hereinafter referred to as the announcement), pointing out that the issuance of virtual currency, ICO and other suspected illegal financial activities seriously disrupted the economic and financial order, and no organization or indivial may engage in the above activities illegally.
On July 8, the digital currency Research Institute of the people's Bank of China formally reached a strategic cooperation agreement with didi travel to jointly study and explore the scene innovation and application of digital RMB in the field of intelligent travel. The two sides hope to promote the platform ecological construction of digital RMB in diversified travel scenarios through the establishment of cooperative relationship
didi travel said that under the guidance of relevant departments, it will cooperate with the digital currency Research Institute to strictly implement the guidelines put forward by the Party Central Committee and the State Council to improve the ability of financial services to the real economy, and promote the integrated development of the digital economy and the real economy
this article comes from the author of car home, which does not represent the standpoint of car home
Electronic payment tools based on deposit currency of commercial banks, based on account tight coupling mode, still have great room for improvement in application scenario coverage, inclusive finance, payment efficiency, user privacy protection and anonymous payment
on the other hand, although the utilization rate of cash shows a downward trend, the absolute quantity will also maintain a certain growth, indicating that the digital supply of legal tender in retail has not kept up with the change of demand. Especially in areas where financial services are not fully covered, the public is still highly dependent on cash and has realistic demand and expectation for obtaining and using digital central bank money. In addition, the management cost of cash is high, and there is a risk that it will be used for money laundering and other criminal activities
in addition, encrypted assets and other centralized technologies used to process payment transactions will erode national currency sovereignty, and the pressure of cash digitization is actually increasing. In recent years, bitcoin, global stable currency and other encrypted assets try to play the monetary function, and start a new round of private currency, foreign currency and legal currency game. In response to this situation, it is necessary for the country to use new technologies to digitize M0 to provide a universal base currency for the development of digital economy
extended information:
there is no timetable for the launch of digital RMB
at present, the central bank is steadily promoting the research and development pilot work of digital RMB
Sun Guofeng, director of the Monetary Policy Department of the people's Bank of China, said at the regular policy briefing of the State Council on August 25 that at present, the research and development of digital RMB is following the principle of "steady, safe, controllable, innovative and practical", and concting internal closed pilot tests in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympic Games to test the theoretical reliability, system stability, system stability, and financial stability Function availability, process convenience, scenario applicability and risk controllability Sun Guofeng said that at present, the digital RMB is still in the internal closed pilot test stage. There is no timetable for the official launch of digital RMBthe main reason is that Huawei wants to build its own internal ecosystem. With this payment license, Huawei can make more attempts in the financial field ring this period, many media have reported that Huawei has acquired a third-party payment license by acquiring a third-party payment company, and the public have speculated that Huawei may make big moves in the field of mobile payment in the future. What is more difficult to understand is that Huawei publicly said a few years ago that it would not make mobile payment. But I didn't expect that Huawei changed its mouth just a few years later. What's the reason