What is the purpose of digital currency
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 it can allow real-time transaction and borderless 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, these currencies may be used to purchase physical goods and services, but they may also be restricted in some communities, such as online games
digital currency is the currency balance that is electronically recorded on stored value cards or other devices. Another form of electronic currency is network currency, which allows value transfer on computer network, especially on the Internet. E-money is also a creditor's right to other financial institutions such as private banks or bank deposits
digital money can be centralized, that is, it has a central point to control the money supply, or it can be decentralized, that is, the control power can have different sources
the digital currency launched by the central bank is a national sovereign currency, which is based on the digitalization of RMB. This is a piece of data generated by a complex algorithm, which contains blockchain and encryption technology, making it unique. The payment of Alipay and WeChat is not digital money, but only based on the payment realized by electronic accounts. Compared with the current pattern of "payment transfer collection" with the help of third-party payment, what digital currency needs to achieve is "decentralization", that is, to cancel the transfer link and directly hand over the money from the payer's account to the payee, so as to rece the payment cost in currency circulation
types of digital currency
according to different issuing or consensus mechanisms, it can be divided into four categories:
1, proof of work (POW)
proof of work. The system rewards are obtained through the mining of computing power to complete the issuance and distribution of currency. More work, more gain. Such as bitcoin, lightcoin (LTC)
the advantage is that the mining cost can form a monetary price support to a certain extent, and the disadvantage is that energy consumption and environmental protection are criticized< 2. Proof of stake (POS). Allocate the newly generated currency or interest according to the amount and time of cryptocurrency you hold. Such as dash and Neo
compared with pow, POS is more energy-saving, but it increases the security risk
3. The evolution scheme of delegated proof of stake (dpos)
POS. Similar to the voting mechanism of the board of directors, through the election of representatives to vote and make decisions, n accounting nodes are elected to create, verify, sign and supervise each other. Such as the grapefruit coin (EOS)
the advantage is high efficiency, but the problem is that it presents a semi centralized state
4. POW + POS hybrid mechanism
POW is mainly used to issue currency, and POS is used to maintain the system. For example, PPC
according to the project type, it can also be divided into four categories:
1. Currency category
digital currency issued for the purpose of transfer, payment and value storage. For example, bitcoin, bitcoin cash (BCH), Monroe (XmR), and grin
2. Public chain currency, that is, the digital currency issued by public chain projects, is generally the "fuel" for the application projects to run on the public chain. Such as eth, grapefruit coin, TRX and ont
3. Application token, that is, digital currency issued by decentralized application projects, is equivalent to equity or points. For example, OMG (payment application), GXC (data application), 1st (game application)
4. Platform currency, that is, the digital currency issued by the digital currency exchange, is equivalent to equity, points or fuel. For example, BNB, HT and okb.
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. In the new environment of payment and circulation, the traditional paper money will become a symbol of an era and a memory of people. The paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer coins will also stimulate their prices to rise in this situation. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management, which is worth looking forward to Sohu)
however, digital currency does not have to be used for payment. Some domestic application-oriented digital currencies have begun to find another shortcut and come out with a different truth. For example, coin Ying China crowdfunding project token; Puyin group launched the tea based digital currency Puyin.
it's not a reality. Up to now, I still think it's stupid to make money by buying and selling domain names. I know it happens sometimes. It's like a high-risk, low return investment
as a result, the Internet did. Now, 20 years on, domain names are cheap, and search engines make them brand specific Note: the author means that the convenience of search engines makes domain names cheaper and cheaper. Domain names are only related to brands.)
What does this have to do with the value of bitcoin
this is an example of how people's views on value change with the development of technology
at this point, most people see bitcoin as money. The chairman of the US SEC said, "yes, that's how drug gangs use it. Everyone I know thinks so.". It's called "bit coin" for a reason
bitcoin maximalists call it hard currency, critics call it fake money, and veteran players call it cyber currency
W bq89998 push the latest currency from time to time to ensure the minimum 10 times
The role of digital currency:
1. First of all, the central bank's digital currency can provide a huge data base for monetary policy and macro Prudential policy, so that the regulatory authorities can collect real-time trading books of different frequency and different institutions according to their needs, and it is complete and real. This information advantage can help the central bank use policy tools more accurately and flexibly
Secondly, the central bank's digital currency technology can track the flow of funds and help the regulatory authorities to comprehensively monitor and assess financial risks. Finally, the central bank's digital money technology is concive to the transmission of interest rate of monetary policy. Digital currency technology supports "point-to-point" payment and settlement, which can improve the liquidity of market participants. Only the digital currency of the central bank, which is generally accepted by the whole society, can radiate this advantage to the participants of different financial markets, so as to improve the liquidity of financial markets. This will make the term structure of interest rate smoother and the transmission mechanism of interest rate smoother
extended data:
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: because it comes from some open algorithms, digital currency has no issuing subject, so no one or institution can control its issuing; Because the number of algorithm solutions is fixed, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency; Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
from the construction experience of a large number of information exchange and sharing projects, it is very important to determine the objectives of the information exchange and sharing project. All parties of the project construction should first reach a consensus on the following key issues of success:
· the problem of sharing and exchanging information service objects
· the service mode that different service objects should adopt
· storage and unified management of shared information
· scientific analysis of the sources of information
· related information technology standards and management standards
· principles for the design and construction of information exchange and sharing platform
these problems are the core problems to solve the information exchange and sharing, and are the practical problems existing in the project implementation. No matter how different the technical methods to solve the information exchange and sharing are, the real solution of these problems is the foundation and guarantee of the project construction< The significance of e-government project construction lies in that it can play a supporting role in various functions of the government, and use it technology to help the government improve work efficiency and promote the transformation of government functions. Therefore, to invest in the construction of a large-scale e-government project, first of all, it is necessary to determine its service objectives and the system construction's & quot; Theme Application & quot< br />
" The Eleventh Five Year Plan & quot; During this period, the party and the state made it clear that the establishment of & quot; Harmonious Society & quot; According to the characteristics of their own work functions, governments at all levels and functional organizations at all levels have determined the & quot; The Eleventh Five Year Plan & quot; Planning, on the premise of the overall goal, determines the goal system of each work. E-government project construction & quot; Theme application;, It is to determine the service goal of e-government project, and combine the construction goal of e-government project with the establishment of & quot; Harmonious Society & quot; It is an important part of the overall development goal of the government to link up the overall planning goal of e-government closely and clarify the overall development goal of e-government. The construction of information exchange and sharing mechanism must also face a challenge; Theme application;, A project that is divorced from the theme of service is a project without vitality
China's overall construction of a new socialist countryside, Beijing's floating population management, etc., are the key problems directly faced by different levels of government agencies. The theme application of e-government project should only focus on the most urgent problems to be solved by the government and the theme of the government's strategic objectives to carry out the construction of data exchange and sharing mechanism< The construction of information exchange and sharing mechanism is the long-term task of the overall construction of e-government, which keeps pace with the development of national economy and the process of the overall government function reform. The specific information exchange and sharing project construction must conform to the principle of practical priority and adapt to the future development. First of all, it is necessary to determine the construction objectives of specific projects, which must be established in the government agencies; Improve administrative efficiency and public service quality & quot; On the basis of the business objectives of the government, it engineering projects need to focus on the contribution to the current government function transformation project; In addition, we must fully respect the basis of practical work and the current administrative functions of the government, drive the engineering construction of the information exchange and sharing mechanism, transform the government information department into a specific actual business department, and clarify the viewpoint that the information department serves the actual business department of the government, The actual business work of the government should be closely linked with the construction of information resource sharing; According to the actual situation of different government agencies and local governments, the boundary scope of project construction is defined, the principle of project construction is determined, and the construction of long-term information sharing mechanism is well combined with the goal of single project construction; Technological innovation is prior to collaborative innovation of government business. The construction of data exchange and sharing platform needs to consider the needs of future business expansion and intensive engineering construction
3. Multi dimensional understanding of requirements
the guiding ideology of business information requirements analysis is three-dimensional system model. This is because only from the perspective of information resources, without in-depth study of the actual operation of government departments, it is difficult to do a good job in the information interaction and sharing project. We believe that government work is driven by the joint action and coordination of business management, execution driven and organizational management. Three dimensional system model is as follows:
figure: three dimensional system model
three dimensional system model composition: first, business management level, including key business system, support business system and auxiliary support system; Second, business driven mode, including target decision-making, task assignment, task decomposition, work organization, implementation and execution supervision; Three organizational forms, including the core decision-making level, work organization and implementation level and implementation level. Business information runs through the whole process of target management. Information system construction must meet the actual needs of different dimensions in order to truly reflect the strong supporting role of information resources for business
4. Information planning
the core of information planning is to establish a data supply chain for theme oriented applications, which needs to solve the problems of sharing and exchanging information, how to obtain from there, how to manage effectively, how to provide services to business systems, and form a clear chain of data proction, data processing and management, and data services. Information planning is built on the basis of data analysis, is a deeper analysis of exchange and sharing of information, is the top-level design of technology to achieve exchange and sharing of information
based on the guidance of information engineering methodology (IEM), using engineering method to plan information for information exchange and sharing is to follow certain method steps, follow certain standards and specifications, use effective tools to analyze information demand and data flow of various functional areas, and formulate basic standards for information resource management, Establish the information system framework of sharing domain and each functional domain
generally speaking, the content of information includes system analysis oriented to functional domain, data flow model, and topic library conceptual model oriented to shared domain. The specific content of information planning varies with the elements of a specific project. Information resource planning of information exchange and sharing construction emphasizes the close combination of information sharing requirement analysis and system modeling -- requirement analysis is the preparation of system modeling, and system modeling is the qualitative and standardized expression of information exchange and sharing construction. In the information planning of information exchange and sharing construction, we first determine the strategic construction objectives of specific projects, determine the work objectives of collaborative government agencies around the strategic objectives, and determine the work objectives according to the tasks of different organizations; Functional areas & quot;; Then, the business flow and data flow of each functional domain are investigated and analyzed, and the data flow model and data model for information exchange and sharing are established as the data basis for the construction of the whole information exchange and sharing platform
5. Shared data storage management
diagram data center database type division
Metadatabase
stores data describing data and its environment in Metadatabase
business rule base
abstracts business as a series of rules and stores them in rule database
business information base
stores important information obtained from front-end nodes in business information base
platform log library
a series of information generated in the process of platform data exchange is put in the platform log library< 1. Population basic database
build a population basic information database and query service system with resident identity code as the unique identification, realize computer management and online query of population information, and provide population information services for e-government business systems
2. Basic database of legal entities
build basic information database and query service system of legal entities with organization code as the unique identification, realize the information sharing of legal entities among e-government business systems, and provide services to the society< According to the needs of national macro-control decision-making, social micro management, people's life and opening to the outside world, we should establish a scientific, authentic and comparable macroeconomic database. The index system of macroeconomic database not only has clear boundary, but also covers the macro situation of national economy, social development, science and technology ecation, environmental resources and so on. Macroeconomic database will become a comprehensive information channel of macroeconomic basic situation and development trend< 4. Basic database of natural resources and spatial geography
the basic information database of natural resources such as hydrology, mineral resources, land, forest, cultivated land and ocean has been basically built, forming a mechanism of exchange and sharing of basic resource information database. The basic information database of spatial geography should be constructed at different levels to form the mechanism of spatial geographic information exchange and sharing. It provides realistic simulation maps and decision support services for macro decision-making of governments and departments at all levels, overall urban planning, land use planning, land management, water conservancy planning, mineral resources planning, mining right management, geological environment management, road construction, environmental protection, etc<
subject information database
subject database is established according to the requirements of information resource planning and basic database
there are frequently used business data, which can be stored in the data center, but a large number of them are stored in the form of directory, and the data is always stored in each bureau, which not only ensures the consistency of the dynamic update of the data, but also ensures the security of the data. The data of subject oriented operational database comes from XML documents and information in the process of data exchange. Therefore, operational database must have good support for XML standards to ensure the efficiency and accuracy of information storage, exchange and retrieval
decision information base
on the basis of sufficient data sources, it can acquire, express, manage and apply distributed and heterogeneous knowledge sources. The whole system should support a variety of knowledge expression methods and reasoning methods, support the coexistence of structured data and unstructured data, and establish DSS; Data & quot; As a numerical value, it is transferred to DSS supporting the establishment of basic documents. It is necessary to integrate DW, DM, OLAP and other KDD knowledge acquisition methods to integrate all kinds of distributed and heterogeneous knowledge sources to provide various types of effective data analysis for decision makers and play the role of decision support<
other databases
data and document library: data and documents mainly include the instructions of national policies, relevant data and articles, etc., which are the basis for staff at all levels to handle various businesses, as well as the basis for learning national and municipal policies and laws