Suzhou company uses digital currency
so, what's the significance of this digital currency? Why do you have to work hard to do this? For most people, it really won't have any impact, but for a small number of people, it will have a great impact. This small group of people are those who engage in illegal activities
for example, if some people are corrupt and accept bribes, they specify that they can't let others put money on the bank card. That means they are directly arrested, but they can't be found with cash. If we restrict the large amount of cash consumption in the future, for example, if you have to spend more than 5000 at one time, you can't use cash, you need to use digital currency. In this way, those who have bribed tens of millions of cash in their families may not want to spend all their money in their lifetime. And their illegal income doesn't go to the society. It's just paper. They still occupy space at home. Once they start to spend money in digital currency, it's easy to find out. That is to say, all our income will be counted. Once they are involved in crimes, it's easy to be caught. At that time, there will be less Telecom fraud, This is the meaning of digital currency
1. Digital RMB is not based on the account, as long as the digital currency app is downloaded from the mobile phone, and wechat change can only be used after logging in to personal wechat
Second, digital RMB can be paid without network, and wechat change can only be traded with network Third, digital RMB is the currency issued by the state with the same value as banknotes and coins, which is endorsed by the state, while wechat change is a third-party payment tool, which is controlled by enterprises with different degrees of risk{ RRRRR} digital currency can improve the state's supervision of fundsin addition, digital currency can improve the state's supervision of funds, where the money comes from and flows to will be clearly marked, the state will be more relaxed in supervision, money laundering may become more and more difficult, and the national property security will be further protected
Fourth, in terms of financial services, it mainly refers to various intermediary businesses such as collection and payment, consulting and so on. For example, the collection of water, electricity and coal is small and the number of users is huge. These companies will still entrust the bank to collect, and they still need to open an account in the bank, so the impact of digital currency issuance on financial services is small. Fifthly, the function of credit creation mainly refers to that the loan is re deposited in the bank, waiting for investment or use, resulting in derivative deposits and currency multiplier effect, which has nothing to do with the issue of digital currency
the issuance of digital currency will not rece the number of bank outlets, because the basic function of the bank is far from the payment intermediary function, as well as macroeconomic regulation, the development of deposit and loan business, as well as financial services, intermediary business, and so on. What's more, many people still insist on using cash to pay and transfer. Therefore, the issue of digital currency can not eliminate the outlets of banks. The real impact on bank outlets is the rise of Internet finance. Banking business moves from offline to online. People generally accept using mobile banking app to deal with business, and then the physical outlets of banks will be canceled
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
Generally, the excellent digital currencies are mostly imported procts, such as bitcoin, Leyte coin, ether coin and so on. However, the domestic Yuanbao coin, Ruitai coin, bitcoin and the tokens of different crowdfunding projects of European crowdfunding are excellent digital currencies
digital currency (English: digital currency) is an alternative currency in the form of electronic currency. At present, no central bank of any government has indicated that it will issue digital currency, and digital currency does not have to have a benchmark currency and a central bank
it is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography
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