Will money be all digital
Publish: 2021-04-21 19:38:02
1. Currency digitalization is like WeChat Alipay, and bankcard pays
1. digital currency facing 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< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of 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
investment is risky and business should be cautious
1. digital currency facing 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< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of 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
investment is risky and business should be cautious
2. The future of money is hard to predict, but virtualization and digitization are a big trend. Digital portable, energy saving, environmental protection, fast payment and other advantages are more and more respected and welcomed by people. The rapid development of Alipay in China is the best example. Of course, the emergence of bitcoin has overturned people's understanding and definition of traditional currency. Bitcoin can solve some problems and shortcomings of legal currency. For example, people are dissatisfied with the devaluation caused by excessive currency issuance, the differentiated services in the traditional financial field, and people's need for privacy. Of course, bitcoin also needs to be acquired, and the cost is high. For example, bitcoin mining needs professional ASIC mining machines. These professional ASIC mining machines are expensive, but people still tend to be like cranes, indicating that bitcoin mining is still profitable. For example, the current price of the famous Avalon III 800g miner is 4.17 bitcoins, about 13000.
3. Will currency say this to US dollars in banks? This is not necessarily because at present, digital currency has not included US dollars, or US dollars are not suitable for currency inction
4.
Digital money drives economic consumption. People have no concept of money, only material needs. At the same time, digitization facilitates people's communication
5. At present, central banks and financial institutions all over the world are concting research on currency digitization and related technologies. At the "fintech summit in Shenzhen, China" hosted by Shenzhen Municipal Government on December 20, more than 40 units, including Ping An Group, Weizhong bank and Dacheng Fund, announced that they would jointly initiate the preparation for the establishment of China's Shenzhen fintech digital currency alliance, and cooperate with the central bank and other financial regulatory departments to study and formulate digital currency instry standards and relevant institutional mechanisms<
with the development of Internet technology and the profound changes of global payment methods, digital currency with higher operation efficiency and stronger economic adaptability is becoming a new trend of currency development in the future
in this trend, central banks and financial institutions around the world are concting research on currency digitization and related technologies. At the "fintech summit in Shenzhen, China" hosted by Shenzhen Municipal Government on December 20, more than 40 units, including Ping An Group, Weizhong bank and Dacheng Fund, announced that they would jointly initiate the preparation for the establishment of China's Shenzhen fintech digital currency alliance, and cooperate with the central bank and other financial regulatory departments to study and formulate digital currency instry standards and relevant institutional mechanisms
currency digitization is the general trend
in a global science and technology innovation survey released by KPMG, digital currency, 3D printing, Internet of things and biotechnology are listed as the most promising technologies in the next three years. At present, many countries in the world are promoting the research of currency digitization
at the beginning of this year, the Bank of England announced a new research report that the combination of digital currency and mobile technology may completely change the shopping habits of British people, and the Bank of England is considering using this technology to release official digital currency. Sweden's central bank is considering issuing its own digital currency, ekrona, in response to a sharp decline in the country's cash use
in 2014, the Central Bank of China set up a special research group to demonstrate the feasibility of issuing legal digital currency. At the beginning of this year, the central bank held a seminar on digital currency to further clarify the strategic objectives of the central bank in issuing digital currency. In November, the 2017 annual personnel recruitment plan of the printing Science Research Institute, a unit directly under the central bank's official website, showed that six professionals with master's or doctor's degrees would be recruited for digital currency research and development< In an interview with the media a few days ago, Yao / > deputy director of the science and Technology Department of the central bank and head of the preparatory group of the digital currency Research Institute, said that the prototype scheme for the central bank to issue legal digital currency has completed two rounds of revision, and is expected to be tested in relatively closed application scenarios such as the bill market in the future, but there is no clear timetable for the launch of legal digital currency in China<
Third Party Payment institutions may disappear
at the first "China Shenzhen fintech (Financial Technology) summit" held on December 20, the reporter of daily economic news learned that, under the guidance of Shenzhen municipal government, Ping An Group, China Merchants Bank, Weizhong bank More than 40 units, including Dacheng Fund, will jointly initiate the preparation for the establishment of China's Shenzhen fintech digital currency union and fintech Research Institute
according to Yao Yudong, chief economist of Dacheng Fund, the alliance will cooperate with the central bank and other financial regulatory departments to study and formulate the digital currency instry standards and mechanisms. The Research Institute will comprehensively carry out the research on fintech infrastructure and innovative business, and explore and promote the application of big data, cloud computing, artificial intelligence blockchain and other technologies
as one of the sponsors of the alliance, Li Lin, founder and chairman of fire coin, pointed out that when it comes to digital currency, it should be made clear that there is an essential difference between the digitization of legal currency and digital currency. The essence of encrypted digital currency represented by bitcoin is a standardized digital asset. However, because the digitization of legal currency may choose to use the underlying technology of encrypted digital currency blockchain as one of the core implementation technologies, there is a close relationship between the two
Li Lin said that blockchain has outstanding technical advantages in security attributes such as non repeatable transaction, non forgery and non tampering. Digital currency represented by bitcoin has the characteristics of disintermediation, openness, transparency and traceability, which will have a profound impact on the future circulation of sovereign digital currency
"in the global cryptocurrency operation and circulation system, there is a unified and open protocol, and different institutions follow the standard protocol, which provides the basis for the cross platform circulation of currency accounts. There is no need for third-party payment companies to provide services to connect with different banks. " Li Lin gave an example. In his view, in the future, if the sovereign digital currency uses the unified and open blockchain agreement or other agreements, and only provides technical services of cross bank agreement, the third-party payment company will disappear
at the same time, Li Lin pointed out that the structural system of encrypted digital currency under the decentralized structure has brought great problems to government supervision, so there will be some changes in the sovereign digital currency system. For example, anonymity is controllable anonymity, unlike complete anonymity in the bitcoin network.
with the development of Internet technology and the profound changes of global payment methods, digital currency with higher operation efficiency and stronger economic adaptability is becoming a new trend of currency development in the future
in this trend, central banks and financial institutions around the world are concting research on currency digitization and related technologies. At the "fintech summit in Shenzhen, China" hosted by Shenzhen Municipal Government on December 20, more than 40 units, including Ping An Group, Weizhong bank and Dacheng Fund, announced that they would jointly initiate the preparation for the establishment of China's Shenzhen fintech digital currency alliance, and cooperate with the central bank and other financial regulatory departments to study and formulate digital currency instry standards and relevant institutional mechanisms
currency digitization is the general trend
in a global science and technology innovation survey released by KPMG, digital currency, 3D printing, Internet of things and biotechnology are listed as the most promising technologies in the next three years. At present, many countries in the world are promoting the research of currency digitization
at the beginning of this year, the Bank of England announced a new research report that the combination of digital currency and mobile technology may completely change the shopping habits of British people, and the Bank of England is considering using this technology to release official digital currency. Sweden's central bank is considering issuing its own digital currency, ekrona, in response to a sharp decline in the country's cash use
in 2014, the Central Bank of China set up a special research group to demonstrate the feasibility of issuing legal digital currency. At the beginning of this year, the central bank held a seminar on digital currency to further clarify the strategic objectives of the central bank in issuing digital currency. In November, the 2017 annual personnel recruitment plan of the printing Science Research Institute, a unit directly under the central bank's official website, showed that six professionals with master's or doctor's degrees would be recruited for digital currency research and development< In an interview with the media a few days ago, Yao / > deputy director of the science and Technology Department of the central bank and head of the preparatory group of the digital currency Research Institute, said that the prototype scheme for the central bank to issue legal digital currency has completed two rounds of revision, and is expected to be tested in relatively closed application scenarios such as the bill market in the future, but there is no clear timetable for the launch of legal digital currency in China<
Third Party Payment institutions may disappear
at the first "China Shenzhen fintech (Financial Technology) summit" held on December 20, the reporter of daily economic news learned that, under the guidance of Shenzhen municipal government, Ping An Group, China Merchants Bank, Weizhong bank More than 40 units, including Dacheng Fund, will jointly initiate the preparation for the establishment of China's Shenzhen fintech digital currency union and fintech Research Institute
according to Yao Yudong, chief economist of Dacheng Fund, the alliance will cooperate with the central bank and other financial regulatory departments to study and formulate the digital currency instry standards and mechanisms. The Research Institute will comprehensively carry out the research on fintech infrastructure and innovative business, and explore and promote the application of big data, cloud computing, artificial intelligence blockchain and other technologies
as one of the sponsors of the alliance, Li Lin, founder and chairman of fire coin, pointed out that when it comes to digital currency, it should be made clear that there is an essential difference between the digitization of legal currency and digital currency. The essence of encrypted digital currency represented by bitcoin is a standardized digital asset. However, because the digitization of legal currency may choose to use the underlying technology of encrypted digital currency blockchain as one of the core implementation technologies, there is a close relationship between the two
Li Lin said that blockchain has outstanding technical advantages in security attributes such as non repeatable transaction, non forgery and non tampering. Digital currency represented by bitcoin has the characteristics of disintermediation, openness, transparency and traceability, which will have a profound impact on the future circulation of sovereign digital currency
"in the global cryptocurrency operation and circulation system, there is a unified and open protocol, and different institutions follow the standard protocol, which provides the basis for the cross platform circulation of currency accounts. There is no need for third-party payment companies to provide services to connect with different banks. " Li Lin gave an example. In his view, in the future, if the sovereign digital currency uses the unified and open blockchain agreement or other agreements, and only provides technical services of cross bank agreement, the third-party payment company will disappear
at the same time, Li Lin pointed out that the structural system of encrypted digital currency under the decentralized structure has brought great problems to government supervision, so there will be some changes in the sovereign digital currency system. For example, anonymity is controllable anonymity, unlike complete anonymity in the bitcoin network.
6. Yes, yu'ebao and bitcoin are not the same concept. One is to make full use of currency, and the other is to replace traditional currency. And there is no effective regulation, so bitcoin is bound to fail
7. The digitization of money in form is desirable. Direct bank card transfer, online payment and other means can greatly facilitate people's lives and rece the trouble of carrying a large amount of cash. But in essence, money can not be purely digitized, because money not only has the function of payment, but also has the function of wealth storage. Money must have a constant value "anchor" to maintain its value (such as gold). Otherwise, pure digital money is easy to be controlled by the government or large financial institutions, and the currency value is unstable, It is easy to ince hyperinflation, thus damaging the vital interests of the masses.
8. It's an inevitable trend. For example, many people don't touch cash now
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