Central bank DPEC digital currency

1. CBDC, the full name of central bank digital currency, translated as the central bank digital currency. The Bank of England, in its Research Report on CBDC, gives this definition: central bank digital currency is the electronic form of central bank currency, which can be used by households and businesses to make payments and store value. The Chinese version of CBDC is described as digital RMB, which is issued by the people's Bank of China, operated by designated operators and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation. What we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment tools". The center for International Settlements (BIS) and the Committee on payment and market infrastructure (CPMI), two authoritative international organizations, jointly concted two questionnaires on more than 60 central banks in 2018 and 2019. The content of the questionnaire includes the work progress of central banks on digital currency, the motivation of studying digital currency and the possibility of issuing digital currency. 70% of central banks said they are (or will be) involved in the research of digital currency
response time: August 6, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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2. The time is not fixed. On November 13, 2019, the people's Bank of China issued the announcement on issuing or promoting legal digital currency in the name of the people's Bank of China. The people's Bank of China has not issued legal digital currency (DC / EP), nor authorized any asset trading platform to conct transactions. The people's Bank of China started to study legal digital currency in 2014 and is still in the process of research and testing. Neither "DC / EP" nor "DCEP" traded in the market is legal digital currency, and the launch time of legal digital currency transmitted through Internet is inaccurate information

response time: July 14, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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3. DCEP (digital currency electronic payment), the Chinese version of digital currency project, namely digital currency and electronic payment instrument, is the legal digital currency in the research of the people's Bank of China and a kind of digital currency. Digital RMB, issued by the people's Bank of China, is a controllable anonymous payment tool with value characteristics and legal compensation. It is operated by designated operating institutions and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, and is equivalent to banknotes and coins. As for the research progress, the top-level design, standard formulation, function research and development, joint commissioning and testing have been completed, and the internal closed pilot test will start in April 2020. As of September 15, 2020, DCEP has not been officially launched

warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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4. Digital currency generally refers to bitcoin, lightcoin, Puyin, dogcoin, Ethereum and other digital cryptocurrencies. According to media reports, before the Spring Festival, the blockchain based digital bill trading platform promoted by the people's Bank of China has been successfully tested. After the Spring Festival, the digital currency Research Institute of the central bank will also be officially listed. This means that the people's Bank of China will become the first central bank to study digital currency and its real application< It is pyramid selling that has the following behaviors at the same time:
first, it needs to pay the entry fee< Second, we need to develop offline. Need to constantly find partners, and set up a team under the guise of doubling income to ince others
Third, determine how much you will get in return according to the number of people below and their business performance< Article 7 of the regulations on the prohibition of pyramid selling of the State Council is an act of pyramid selling:
(1) organizers or business operators, through development personnel, require the developed personnel to develop other personnel to join, To calculate and pay remuneration (including material rewards and other economic benefits, the same below) to the developing personnel based on the number of the personnel they have directly or indirectly developed in a rolling way, so as to seek illegal benefits
(2) the organizer or business operator, through the developer, requires the developed person to pay fees or pay fees in disguised form by way of subscribing for commodities, so as to obtain the qualification of joining or developing other persons to join and seek illegal interests
(3) the organizer or business operator, through the development personnel, requests other personnel developed by the development personnel to join, forms the relationship between the upper and lower line, and calculates and pays the online remuneration based on the sales performance of the lower line, so as to seek illegal interests.

5. This week, Antony Lewis, director of R3 research and head of cash and CBDC strategy, said at the decision conference at the Walkerhill Hotel in South Korea that a central bank issued digital currency (CBDC) is expected to go online this year
all members of the group on "instrial evolution through distributed ledgers" hope that CBDC will be set up for specific financial institutions. BT110

6. Paper money will slowly decline, but it will not die. Some of them can't pay electronically afterwards. Some pay back money, some deal without proof. Electronic evidence. And the earthquake in Japan a few years ago. Frequent earthquakes occurred in Japan a few years ago. I can't remember exactly which year. Many Japanese have money in their mobile phones. They have no cash and can't buy anything in the supermarket. Because of the earthquake, the power was cut off.

7. Dalian Pacific Electronics Co., Ltd

8. The digital wallet is not owned by the people's Bank of China. Digital RMB is the legal digital currency not yet issued by the people's Bank of China, namely "digital currency electronic payment" (DC / EP). The digital currency of the people's Bank of China is the electronic version of RMB

e-rmb means that there is a virtual wallet on the mobile phone, and your cash will appear in the form of pictures in your virtual wallet
electronic RMB advantages:
1, no Internet payment. Although Alipay and WeChat payments are widely used nowadays, payment will fail if there is no network or network signal difference. The central bank has launched the "touch and touch" function, which can pay whether there is network or not
2, farewell bank cards, Alipay and WeChat payment need to bind bank cards, and they serve as a medium to make payment easier. However, e-rmb has bid farewell to the bank card and has only one unified E-wallet
3. It is concive to cracking down on cash crimes, and finding criminals by searching the flow direction of RMB through electronic RMB. Once the traditional currency is traded or laundered, it will be difficult for the country to find clues, while electronic RMB will not have this disadvantage. At the same time, e-rmb also reces the cost of national banknote printing
response time: October 14, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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