Actively and steadily promote the news broadcast of research and
Recently, there is relevant news that the central bank's digital currency is about to fall, which has attracted most people's praise. The relevant person in charge of the digital currency Research Institute said that the research and development of digital RMB is steadily advancing. At present, closed pilot projects have been carried out in Shenzhen, Suzhou and other places, and the functions are being continuously optimized and improved< Strong> after the central bank issues digital money, the daily payment will no longer need real name, nor do it need to use Alipay and WeChat to pay. It will bring great convenience to our life, and at the same time, it will change a lot. RRRRR}
the issue of digital currency is a trend, which will bring convenience to our lives. It also indirectly reflects the development of currency and social progress. After the use of digital currency, there will be a severe crackdown on crimes and other acts. The difficulty of money laundering will increase and criminal acts will be reced. The flow of money can be effectively queried through mobile app records, which has a great impact on social life
in fact, the country has been studying the field of digital currency, and digital currency and blockchain are the future development trend. As for when to issue, we can only say that when the time comes, it will be issued naturally. We need to ensure the steady operation of the financial economy.
As of November 11, 2020, China's e-money system is under development
in August 2019, the relevant person in charge of the people's Bank of China said in public that the development of digital currency system is under way and the "digital RMB era" is coming
Wang Xin, director of Central Bank Research Bureau and monetary gold and silver Bureau, said that the central bank's digital currency mainly substitutes cash to a certain extent in China, which will help optimize the central bank's monetary payment function and improve the central bank's monetary status and the effectiveness of monetary policy
extended data:
nowadays, China is still in the stage of accelerating the research and development of digital currency. For example, the central bank held a working video conference in the second half of 2019 on August 2, calling for "accelerating the pace of research and development of China's legal digital currency"
and the opinions of the CPC Central Committee and the State Council on supporting Shenzhen to build a leading demonstration zone of socialism with Chinese characteristics issued in August 2019 clearly stated that "We support the development of innovative applications such as digital currency research and mobile payment in Shenzhen"
it is understood that in the future, the central bank will not issue digital currency directly to the public, but will adopt a two-tier operation system, that is, the central bank will first convert the digital currency to banks or other operating institutions, and then these institutions will convert it to the public. In the early stage, the central bank's legal digital currency may pilot in some scenarios, and then further promote it when it is more mature. For the sake of safety, it will do a good job in the design of pilot exit mechanism
Yao Qian, head of the preparatory group of the digital currency Research Institute of the people's Bank of China, said a few days ago 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. The prototype system of legal digital currency is being developed. As for when the legal digital currency of the people's Bank of China can be launched, there is no timetable
from the start of digital currency research two years ago, to the digital currency seminar held by the central bank in January this year, to the establishment of the digital currency Research Institute and the recruitment of professionals by the central bank in the near future, digital currency is graally approaching.
What does digital RMB mean when the red envelope of digital RMB officially begins to welcome the new year? According to official news, the Ministry of Commerce has issued the overall plan for the pilot project of comprehensively deepening the innovation and development of service trade, and announced the pilot areas of digital RMB. The plan is clear, and digital RMB pilot will be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China. Among them, Shenzhen, Cheng, Suzhou, xiong'an New District and other relevant departments of the future Winter Olympic Games scene will assist in the promotion first, and then expand to other regions according to the situation. This is also the first time that the central bank has made clear the pilot work of digital RMB in public documents after it proposed this month that it would actively and steadily promote the research and development of legal digital currency in the second half of the year. In fact, digital RMB is the legal digital currency issued by the people's Bank of China; DC/EP"， They are digital currency and electronic payment instruments. In short, it is the digital substitution of RMB banknote, its function and property are exactly the same as banknote, but its form is digital
Dong ximiao believes that there is no doubt that digital economy has become an important driving force and a new growth point of the global economy. In China, the added value of the whole digital economy has accounted for 1 / 3 of the whole GDP. Especially after the outbreak of the epidemic, the world pays more attention to the development of digital currency and digital economy. Therefore, central banks in various countries generally have a positive attitude towards digital currency. In 2014, the people's Bank of China began to develop the Chinese version of digital currency. With more and more testing scenarios, China's digital currency will play a key role in promoting the global digital economyDigital 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}
Digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Because digital currency comes from some open algorithm, it has no issuer, so no one or organization can control its issuance
When determining the number of solutions, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by excessive issuance of virtual currency
3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
extended information:
the central bank concted a private test on this digital currency, and some civil servants' salaries were received in the form of digital currency
screenshots of the digital currency wallet applications launched by Agricultural Bank of China, China Construction Bank and Bank of China are widely spread on the Internet, showing various functions, including the ability for depositors to track digital currency transactions and associate digital currency wallets with their existing bank accounts
first, monetary policy should be more flexible, moderate and accurate, and pay close attention to the policies that have been issued to stabilize enterprises and ensure employment. We should make comprehensive use of various monetary policy tools to guide the growth of broad money supply and social financing scale to be significantly higher than that of last year. At the same time, we should pay attention to grasping the rhythm, optimizing the structure, and promoting the substantial growth of inclusive loans for small and micro enterprises and medium and long-term loans for manufacturing instry. We should focus on the implementation of the RMB 1 trillion refinancing and rediscount policy and the two direct tools. We should delay as much as possible and bring as many small and micro enterprises impacted by the epidemic into the scope of support
the second is to keep the bottom line and continue to fight a three-year battle to prevent and resolve major financial risks. Among them, we should speed up the completion of the short board of financial risk disposal system and improve the emergency disposal mechanism of major financial risks< The third is to unswervingly promote the sound and orderly opening of the financial instry. We will continue to implement the announced financial opening-up measures. Promote the full implementation of the national treatment plus negative list system before admission. Actively and steadily promote the internationalization of RMB and the convertibility of capital account, unify the foreign exchange management policy for the opening of bond market to the outside world, etc< The fourth is to deepen the reform of financial system and mechanism. It emphasizes that local governments should be supported to resolve regional financial risks and deepen the market-oriented reform of rural financial institutions
fifthly, we should coordinate the financial poverty alleviation work at the closing stage. Elaborately organized the drafting of the financial reform and development plan for the 14th five year plan. Actively and steadily promote the research and development of legal digital currency (end)