Is Shenzhen using digital currency
In early 2014, the Central Bank of China set up a special research group on legal digital currency to demonstrate the feasibility of issuing legal digital currency by the central bank. On January 29, 2017, the central bank officially established the digital currency Research Institute. After the successful development of the prototype of legal digital currency, the digital currency Research Institute of the people's Bank of China has tried to deploy institutions in many parts of the country, and through the integration with R & D institutions and instries, it has achieved the research results of financial development technology. In 2018, the digital currency Research Institute of the people's Bank of China successively settled in Nanjing and Shenzhen. In 2019, the people's Bank of China announced that digital currency will be piloted in Shenzhen, Suzhou, Cheng and xiong'an
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the research on Shenzhen's support for digital currency began in 2016
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on October 6, 2017, the Management Committee of xiong'an new area held a special meeting to study the big data management system and mechanism and the basic idea of "digital xiong'an" construction, and fully promote the construction of "digital xiong'an". Soon after the meeting, all kinds of enterprises were inspired to build xiong'an new area into a "test ground" for innovation
on October 14, 2017, Peng Yijie, vice president of ant financial services and partner of Alibaba group, and his party went to xiong'an new area to report the blockchain construction plan. Peng Yijie's evaluation of xiong'an new area is: the best soil for building blockchain. On November 8 of the same year, xiong'an New District held a docking meeting with Alibaba group. Alibaba and ant financial services will undertake the construction of digital xiong'an blockchain infrastructure platform, and are expected to take the lead in testing the water in the rental scene
on November 23, 2017, Tencent and xiong'an new area signed a strategic cooperation agreement on financial technology, and both sides established Tencent (xiong'an) financial technology laboratory to test big data risk control system, Tencent cloud based blockchain services and other financial black technologies in the new area
on April 21, 2018, xiong'an New District of Hebei Province issued the outline of the planning for xiong'an New District of Hebei Province, which proposed to develop high-end high-tech instries, and lay out the R & D and test of blockchain, terahertz, cognitive computing and other technologies in advance. Blockchain has been written into the outline of xiong'an New District Planning in Hebei Province. A technology with advanced influence and far-reaching significance begins to grow together with a rising Digital City shouldering historical mission
on June 8, 2018, China Academy of information and communication signed a strategic cooperation agreement with xiong'an new area. The two sides will build a scientific research base in the field of information and communication in xiong'an new area, and provide comprehensive support services such as development strategic planning, standards and policy formulation for the construction of the new area, focusing on 5g, instrial Internet, artificial intelligence, blockchain, network security, military civilian integration, information technology and so on In the field of Internet of vehicles and other fields, Beijing Tianjin Hebei high tech innovation comprehensive service platform and innovation and entrepreneurship demonstration base will be built to promote instrial innovation and development
on June 28, 2018, xiong'an New Area officially signed a strategic cooperation with 360 group. 360 group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields to provide comprehensive network security services for the construction of a safe and reliable "digital xiong'an"
on July 23, 2018, xiong'an group of China signed a memoranm of understanding with consensys, a blockchain technology company. Joseph Rubin, the founder of consensys, etc., made suggestions to xiong'an group of China on how to use blockchain technology, hoping to apply his knowledge and experience in blockchain ecosystem to xiong'an's projects and support xiong'an's innovative development mode
on December 21, 2018, Hebei xiong'an branch of Bank of communications was opened. The branch will rely on the head office's professional R & D team and strong R & D strength, rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms, constantly innovate the financial business model, and make greater contributions to the construction of green xiongan, smart xiongan and digital xiongan
on May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of ICBC, opened its business in xiong'an new area and became the headquarters of banking financial technology company in xiong'an new area. ICBC technology and Management Committee of xiong'an new area signed the memoranm of financial technology cooperation, and Management Committee of xiong'an New Area officially started the operation of xiong'an resettlement fund management blockchain platform, which will apply the block chain technology of ICBC to realize the whole process chain management of original files of resettlement and fund penetrating allocation
on December 25, 2019, Everbright Bank and digital city company of China xiong'an group will jointly build a "digital financial technology laboratory" in xiong'an new area. Guided by the strategic needs and information construction of xiong'an new area, it will graally build a highland of blockchain commercial application research, technological innovation and talent cultivation
on March 31, 2020, xiong'an blockchain laboratory was officially unveiled. Xiong'an blockchain laboratory has three major goals: to become a new highland of blockchain research and application, an open frontier innovation base, and to explore a new model of laboratory economy. At the third anniversary of the establishment of xiong'an new area, xiong'an blockchain laboratory has special significance, which marks that the innovative practice of xiong'an New Area's blockchain has entered the stage of organization and large-scale landing, and marks a new chapter in the synchronous planning and construction of digital city and physical city in xiong'an new area
xiong'an new district is a digital city forest that has been cultivated from the seed, which is naturally suitable for the central bank's digital currency pilot. Shanghai xiongan, Shenzhen, Cheng on the left and Suzhou on the right are looking forward to the central bank's digital currency pilot projects in these four places, which will spread to the world
Luohu's Mixc, China Resources Vanguard, Meiyijia convenience store, Tianhong Department store, Maoye department store and other supermarket department stores; Noodle King, Taixing restaurant, food first and other restaurants; Digital currency can be used in Junyue Hotel, Shenzhen book city, huaguoxian, gas station, subway recharge machine and other living service places
there are 3389 merchants in Luohu District of Shenzhen who have completed the transformation of digital RMB system, and they can use digital currency in these shops
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advantages of digital currency:
1. Save cost and improve efficiency
in the traditional electronic payment process, funds are stored in the third-party platform. The third-party platform deposits funds through the time difference of payment to obtain short-term interest income, which makes customers and businesses suffer losses, and the transaction process has two capital transfers, which makes the transaction process rendant. Electronic payment based on blockchain technology eliminates the third-party platform and realizes peer-to-peer payment (P2P), which simplifies the payment process and reces the payment cost
2. Optimize the traditional payment function
digital currency can inherit the advantages of cash payment (point-to-point payment, instant payment and settlement, convenient and fast), and solve the defects of cash at the same time. In this condition, controllable anonymity can be realized at the same time. That is to say, compared with traditional mobile payment, digital signature is used to effectively protect the personal information of each participant, so as to prevent the loss, leakage or malicious tampering of the user's personal information
3. Control the whole life cycle of currency and control the return of currency
The economist Stiglitz studies the macroeconomic management of e-money system, and points out that the electronization and digitalization of money will help to improve the ability of central bank to monitor money flow and organize market, and improve the effectiveness of monetary policy. More importantly, legal digital currency will create a new price based monetary policy tool, which can break the zero interest rate lower limit and release monetary policy space Digital currency does not rely on physical outlets and labor services, and has low cost of infrastructure and human resources. It can obtain a larger service capacity with less material and human input, which is concive to the expansion of financial services in remote and poor areas. Moreover, financial services based on digital currency have the characteristics of small amount and convenience, such as "massive transactions, small and micro single amount", which create conditions for the general public to facilitate life and increase employmentIn recent years, digital currency has appeared frequently in the public's view. Shenzhen Luohu has also followed the trend and announced the release of 10 million digital red envelopes. How can we get the digital red envelopes this time
this activity is aimed at the vast number of indivials in Shenzhen. The total amount of RMB 10 million will be issued, with 50000 red envelopes and 200 yuan each
after receiving the digital red envelope, more than 3000 merchants in Luohu District can freely use it within the validity period of the digital red envelope. However, digital RMB can not be lent to others or cashed directly, and the digital currency will be withdrawn if it exceeds the validity period
it can be said that this way of giving back to the public is also a way to promote regional economic development. In the future, more and more places will use the Internet, and electronic red envelopes will become the mainstream
therefore, the way to get the red envelope is still very simple, but the probability of winning the prize is not very high, so it's time to rely on luck. I hope that all the little friends who read this article will have good luck and get a big red envelope of 200 yuan
First of all, neither of these two currencies is really RMB. What is the fundamental difference between them and RMB? RMB can not be used everywhere, but bitcoin and DCEP can only be consumed in fixed places. Obviously, the difference between these two currencies and RMB is too big. If there are two kinds of currencies, you may not be able to, because in some places these two kinds of currencies are not passable, and you have to use cash to get by. Bitcoin is also a special currency with commemorative value. Recently, you often hear that bitcoin devalues, causing some people to lose money, bitcoin appreciation, and then some people make money
Finally, I would like to warn you that you'd better not touch bitcoin. In fact, bitcoin's internal quantity is fixed, and then with its price fluctuation, every time you buy it, you may make money or lose money. But can you guarantee that you will lose money if you make money all the time, We should choose a way of self-protection rather than trading with bitcoin. In a word, as I said, bitcoin has collection value, not its real monetary value. People should pay more attention to what people actually have in their livesbitcoin's sudden wealth is deceptive. No one can easily get rich overnight. Bitcoin is actually another form of stock, which has a great impact on people's lives. You'd better not get rich by him. It's impossible
Digital RMB, also known as digital currency electronic payment (that is, entering RMB into the client for consumption in a virtual form) . Digital currency is the same as RMB, which is legal digital currency. It is based on the generalized account system (different from paper RMB, it is born with the attribute of natural person, which means that the circulation of digital currency has traces to follow). Its value is equivalent to banknotes, coins and other currencies, and has no other value. It is just a way of mimicry development of people's currency with the development of society. Digital RMB can exchange prices like cash to facilitate circulation. In addition, e to its special form, it is more concive to the circulation and internationalization of RMB. Of course, users can achieve controllable anonymity when necessary{ RRRRR}
1. Open I Shenzhen app and click Lixiang Luohu activity in the main interface to enter
Shenzhen issued 10 million red envelopes of digital currency, which means that currency digitization will be further developed
In fact, for digital currency, the central bank started to make preparations as early as 2014. By 2019, it has been further promoted to the national strategic level, and this year's promotion speed has been significantly accelerated. In fact, this year, major countries around the world have made significant progress in digital currency. In particular, the G7 has decided to cooperate on the issue of central bank digital currency. In fact, the promotion of digital currency plays an important role in the internationalization of RMB. At the same time, digital currency is also the basis of internal and external circulation, especially in the domestic circulation. Digital currency can rece costs and improve efficiency for social management, promote the development of digital economy and big data, and promote the innovation of digital payment instry. In the external circulation, digital currency may become an important means of payment in international trade, and is concive to the formation of a new international trade pattern. From this point of view, digital currency has played a crucial role in the nationalization of RMB. Now Shenzhen is the first pilot of digital currency, which has laid a solid foundation for the promotion of digital currency to the whole country, and this is also the preparation for the internationalization of RMBin a word, Shenzhen issued 10 million red envelopes of digital currency to further promote digital currency
it will be more convenient to pay with digital currency, and it will be more secure for the central bank recently, the Shenzhen municipal government and the Central Bank jointly launched a pilot activity of digital currency. This activity is funded and sponsored by the Luohu District government. This activity will issue digital RMB with a face value of 200 yuan to 50000 Shenzhen citizens, with a total amount of 10 million yuan. These 50000 people will be drawn out in the form of lottery. After winning, they can download the digital currency app and bind it with their mobile phone numbers, It's ready to use. The use scenario is 3389 merchants in Luohu District. Just like mobile payment, you can scan the code directly. Moreover, the design of the digital currency is similar to that of the banknote, with the national emblem and the style of the people's Bank of China on the front
some economists also said that the advantage of digital currency is that its transactions and transfers all have zero cost. For example, some mobile payments, withdrawals and transfers may need some handling charges, but if it is a digital currency, there is no concept of handling charges. With the digitalization of currency, all transactions have zero cost, It is a good thing for enterprises and users