The concept and attribute of digital currency
digital currency is an alternative currency in the form of electronic currency (which can be used for real goods and services transactions)
digital currency has the main characteristics of network packets. This kind of data packet is composed of data code and identification code. The data code is the content we need to transmit, while the identification code indicates where the data packet comes from and goes
based on the characteristics of digital currency, the direct benefit of digital currency to the central bank is not only to save the cost of note issuance, circulation and settlement, but also to enhance the central bank's ability to control funds
Electronic money and virtual money are called digital money. According to the definition of the European Central Bank, virtual money is issued by non central banks, credit institutions and e-money institutions, which can be used as the numerical expression of the value of currency substitutes in some cases{rrrrrrr}
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the process of digital currency trading through the platform is as follows:
(1) investors should register accounts first, and obtain digital currency accounts and US dollar or other foreign exchange accounts at the same time
(2) users can buy and sell digital currency with the money in their cash account, just like buying and selling stocks and futures
(3) the trading platform will sort the buying requests and selling requests according to the rules and start to match them. If they meet the requirements, the transaction will be concluded
(4) e to the difference between the buy and sell volumes submitted by users, a buy or sell request may be partially executed
For many people, the concept of digital currency is a mystery. But there is no doubt that digital currency is different from virtual currency
At the same time, digital currency is different from electronic payment. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence. Before digital currency, the financial instry has been highly informationized. Such as Internet banking, WeChat, Alipay and so on pay the popularization of electronic technology, physical cash accounts for only a very small part of the total circulation of money. In spite of this, because the money used in the transaction comes from the bank account, it actually corresponds to the banknotesdigital gold currency is a kind of electronic currency named after the weight of gold. The typical unit of measurement for this currency is the Troy gram or troy ounces, although sometimes the golden Dinar is used. Digital gold currency is funded by gold storage without quota or decentralized quota. By January 2006, digital gold currency suppliers held more than 8.6 metric tons of gold as reserves, worth about $154 million.
the functions and properties of digital currency are exactly the same as paper money, but its form is digital Mu Changchun, director of the digital currency Research Institute of the central bank, said that the central bank's digital currency is a digital alternative to paper money, that is, digital currency and electronic payment tools. If we regard the digital currency issued by the central bank as digital RMB cash, we can understand the concept of digital currency very well
Mu Changchun once described such a use scenario: as long as you and I have DC / EP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has electricity and two mobile phones touch each other, we can transfer the digital currency in one person's digital wallet to another person. Digital money does not need to bind any bank account when it is paid, unlike WeChat and Alipay bank. p>
fan Yifei, vice governor of the central bank, said that the central bank's digital currency focuses on replacing M0 (i.e. banknotes and coins), and maintains the properties and main features of cash, which meets the needs of portability and anonymity, and will be the best tool to replace cash
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Digital RMB will be carried out in Beijing, Tianjin and Hebei and other places
the notice on printing and distributing the overall plan for comprehensively deepening the innovation and development of service trade was released on the official website of the Ministry of Commerce on the 14th, which announced the pilot areas of digital RMB
the reporter noted that Article 93 "comprehensively deepen the pilot tasks, specific measures and division of responsibilities for innovative development of trade in services" proposes to carry out digital RMB pilot projects in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China
according to the notice, the people's Bank of China has formulated policy safeguard measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate
the pilot areas for comprehensive deepening are Beijing, Tianjin, Shanghai, Chongqing (21 municipal districts including Fuling District), Hainan, Dalian, Xiamen, Qing, Shenzhen, Shijiazhuang, Changchun, Harbin, Nanjing, Hangzhou, Hefei, Jinan, Wuhan, Guangzhou, Cheng, Guiyang, Kunming, Xi'an, Urumqi, Suzhou, Weihai, xiong'an New District of Hebei, Gui'an New District of Guizhou Shaanxi Xixian new area and other 28 provinces and cities (regions)
Digital money (electronic money or electronic currency) is a kind of money in digital form (different from paper money and coins). It shows properties similar to physical currency, but allows immediate transaction and boundaryless ownership transfer. Examples include virtual currency, cryptocurrency and currency issued by central bank and recorded in computer database (including digital base currency). Like traditional currencies, they may be used to buy physical goods and services, but they may also be restricted in some communities, such as online games
blockchain is divorced from sovereign credit. The issuing basis can not be guaranteed, and the currency value can not be stable, so it is difficult to truly form social wealth
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system