The central bank's digital currency will accelerate its launc
according to media reports, the people's Bank of China has completed a test on December 15, which shows how to conct transactions and clearing in the distributed ledger system
it is reported that this test was concted jointly with China's mainstream commercial banks, including ICBC, Bank of China and Weizhong bank< The report reads: "the people's Bank of China believes that digital currency can not only rece circulation costs, but also increase transparency, inhibit money laundering and tax evasion."
the report even suggests that Shanghai bill exchange pilot digital currency and set up a national bank bill transaction. At the same time, the people's Bank of China will also establish a digital currency Research Center, and is recruiting experts in big data, cryptography and blockchain technology< The report comes after Zhou Xiaochuan, the governor of the people's Bank of China, issued a statement in February in which he hinted that the people's Bank of China was considering using blockchain to issue digital currency
moreover, this test was concted at the time when the people's Bank of China launched an investigation into China's bitcoin exchange, which started early this month and has led to many changes in trading policies
as the world's first standard digital currency, Puyin takes 1 billion Tibetan tea as the primary standard asset, writes 1 billion Tibetan tea assets into the blockchain through digital encryption technology, and records the identification, evaluation and right confirmation of Tibetan tea.
On November 9, 2019, the central bank has not launched digital currency
in 2014, the Central Bank of China set up a special research team to conct in-depth research on the framework of digital currency issuance and business operation, key technologies of digital currency, issuance and circulation environment, and legal issues
in January 2017, the central bank officially established the digital currency Research Institute in Shenzhen
in September 2018, the Institute of digital currency built a trade finance blockchain platform
On July 8, 2019, at the launching ceremony of the digital finance open research program and the first academic seminar, Wang Xin, director of the Research Bureau of the people's Bank of China, disclosed that the State Council has officially approved the research and development of the central bank's digital currency, and the central bank is engaged in corresponding work in organizing market institutions 
extended data:
benefits of digital currency
the digitalization of central bank's currency helps to optimize the central bank's monetary payment function, 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 deposit and loan interest rate by adjusting the digital currency interest rate of the central bank, and help to break the zero interest rate lower limit
On A-share, the leading stock of digital currency concept is Hang Seng electronics, with the stock code of 600570
The main business of Hang Seng Electronics Co., Ltd. is to provide domestic financial institutions with software procts and services as well as financial data business, and to provide wealth management tools for indivial investors
more than three years ago, the people's Bank of China started to organize a seminar on digital currency, and then set up the digital currency Research Institute of the central bank. The latest action is to jointly organize distributed R & D with the instry and cooperate with the market
the name of R & D used by the central bank is DCEP, which is actually electronic payment. What is paid is digital, not paper money. Digital money also has monetary attributes. The study of digital currency is not to realize the application of a certain technical solution, but to pursue the convenience and low cost of retail payment system, as well as security and privacy protection
the digital currencies of bitcoin, wikilink and Ethereum provide some reference for the digital currencies issued by the central bank, especially blockchain.
The central bank has recently been planning to launch & lt; Digital currency & quot; Now, some people think that since digital currency is going to be launched, does it mean that paper money will be replaced? In fact, paper money still has a place
01. The introction of digital currency conforms to the development trend of the times< p> in daily life, the use of cash is less and less , many of us now go out without cash, and there are more and more payment software. At the beginning, a treasure and a letter occupied half of the country, but now many people also start to use other payment software, and are no longer limited to these two kindswhen I used to go out, I used to go out with a certain treasure and a certain letter, but now I have a UnionPay. Every time I buy something, I can get a little discount. So, as long as conditions permit, I usually use UnionPay to pay. As an old saying goes, & lt; A little makes a lot;, Although each free amount is not much, but can not bear the large number of ah, in school, our school also has this payment software activities, a top ten, equivalent to white whoring a bowl of rice at noon, how good, so, UnionPay now in my heart also occupies a big position
it is impossible for digital currency to completely replace paper money, because many people still need paper money. I don't want my own capital flow to be clearly controlled by others in the future, and I need some private space
the labor procts collected on the ground must not be counted, but must be processed.
the self-sufficient ones must not be counted, and they must be exchanged. For example, the cloth proced by men and women in ancient times was used by themselves. Therefore, it is not a virtual currency.
virtual currency originally refers to unreal currency, which is used in games,
virtual money in computer games will also have its real value. For example, if a player buys his account from another player, he can get all the virtual assets of that player, and then it will be much easier for the player to continue playing. If the game allows players to transfer virtual property, players can buy and sell game props and pay in real currency. If the game props are priced by virtual currency in the game, then the exchange rate between real currency and virtual currency is established
so its value comes.
the value in textbooks is different from the value mentioned above. Value is a kind of social labor result condensed in procts, You should have learned that the amount of value is determined by the social necessary labor time.
the so-called price is just a form of monetary expression of value...
the value in textbooks is a kind of physical value. How can I tell you?
take the stock market for example, some people make money, so can you say that the stock market creates value? No, he doesn't create, he just redistributes wealth...
let's take the use value as an example, remember its definition
the utility of goods that can meet people's needs
is it goods, is virtual currency goods? The so-called goods are made up of atoms...
besides value, the so-called value is that value appears with the emergence of human beings and is defined by human subjective consciousness. Value is a kind of surreal norm or ideal, It's God's creation. Whether a thing has value or not depends on the logic of the concept system, which is a surreal, ideal state, or God given
value comes from nature, and develops with human evolution and social development. The ultimate origin of value can only be the moving
material world and the working human society. The virtual currency belongs to a part of human society... So it is valuable, but from the perspective of textbooks, it is far fetched