Digital currency Research Institute of people's Bank of China

1.

The digital currency of the central bank is DCEP

the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency

The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous

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Application of digital currency

I. fast, economic and safe payment and settlement

cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed

At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:

3. Bill finance and supply chain finance

in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs

reference materials

network digital currency

2.

As of 2019, the digital currency seminar of the people's Bank of China was held in Beijing to further clarify the strategic objectives of the central bank's issuance of digital currency, do a good job in tackling key technologies, study the multi scenario application of digital currency, and strive to launch the digital currency issued by the central bank as soon as possible. At present, it is under study, and many problems need to be improved slowly

digital currency is a double-edged sword. On the one hand, the blockchain technology it relies on has been decentralized and can be used in other fields except digital currency, which is one of the reasons why bitcoin is popular; On the other hand, if digital currency is widely used by the public as a kind of currency, it will have a huge impact on the effectiveness of monetary policy, financial infrastructure, financial market and financial stability

If digital currency is accepted by the public, its use will increase greatly and replace legal currency to a certain extent, then negative events such as network attacks on user terminals related to digital currency will cause currency fluctuation, which will have an impact on financial order and real economy

in addition, the virtual currency based on blockchain technology is usually held by a few people at the beginning. For example, the first purchase of bitcoin in May 2010 was $25 pizza purchased by 10000 BTC, and the price of each bitcoin rose to $1200 in more than three years by the end of 2013

3.

It doesn't matter

the central bank's digital currency is digital RMB, which is issued by the people's Bank of China. On March 9, 2018, Zhou Xiaochuan, then governor of the central bank, officially disclosed the name of the legal digital currency being developed as DCEP at a press conference

DCEP is the abbreviation of digital currency electronic payment. This means that the central bank's digital currency will have the al functions of legal currency and electronic payment at the same time

In September 2013, the Ministry of Public Security announced 10 typical pyramid selling cases, among which "Cloud Data Trade" is a large-scale pyramid selling mode in China

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specifically, the characteristics of DCEP are mainly reflected in finance and technology

1. As far as its financial characteristics are concerned, the functions and attributes of the central bank's digital currency are exactly the same as those of the RMB paper currency, which is only a digital version of the paper currency. This shows that digital currency is legal tender, and it depends on national credit to maintain the circulation system of digital currency. Mu Changchun, director of the digital currency Research Institute of the central bank, clearly pointed out that DCEP "is a digital payment tool with value characteristics"

In economics, M0 is often used to refer to the cash circulating outside the banking system. The central bank's positioning of DCEP is to replace M0, that is, to replace cash

2. In terms of technical features, the digital currency of the central bank has not fully adopted the blockchain technology. The blockchain research group of the digital currency Research Institute of the people's Bank of China has pointed out in a paper that the processing efficiency of the blockchain system needs to be improved. The encrypted assets based on this technology can not guarantee the stability of its anchored assets. At the same time, its decentralization also conflicts with the central bank's centralized management requirements

however, it is said that digital currency draws lessons from some of these technical concepts, such as asymmetric encryption, smart contract and so on. The new cryptocurrency system has the advantages of security, controllable anonymity and unforgeability, which makes up for the problems of high cost, difficult tracking and large counterfeiting

4.

For MBA candidates, they have passed the data application of layer upon layer screening, and they don't know how to start in the face of the interview in advance. Today, boyahui editor mainly summarizes the frequently asked questions and analytical answering skills of colleges and universities in recent years for MBA candidates. Hope to give MBA candidates some advice

What kind of people do you think are suitable for MBA

There are the following types of people who are suitable for MBA: 1. They have certain working experience, most of them rely on their own professional and technical knowledge to engage in enterprise management, and have achieved certain success in practice. At the same time, this kind of enterprise executives also encounter many problems in the actual management work, and they are in urgent need of people who expand their horizons and enrich practical experience; 2. People who have rich practical experience, management ability and need to go back to supplement theoretical knowledge

Why do you study MBA? What can I bring you

to choose to read an MBA, we should give a comprehensive answer from the following aspects: 1. I have a low degree, in order to improve my ecation; 2. Improve my management ability, and reserve professional knowledge for future entrepreneurship; 3. Establish a wider interpersonal network; 4. Receive more extensive and systematic MBA knowledge training, and improve my ability; Can have broader career development space; Can establish a wider network of interpersonal relationships

What are the key factors for success

the key to success is not only to have savvy, talent and talent, but also to have good moral character and solid basic skills. Savvy and talent are innate qualities, but the basic skills and excellent qualities that indivials strive to acquire play a decisive role, No matter how good his ability is, what's the use

4. Which is more important, IQ or EQ

Generally speaking, EQ stands for sensibility and IQ stands for rationality. As far as managers are concerned, EQ is more important than IQ, because in the process of management, more people are involved in dealing with people, and the contact between people pays more attention to emotional communication, but it is not that IQ is not important. Managers' decision-making and system making all need rational basis. The ability of managers caused by EQ is mainly reflected in three aspects: first, communication ability; Second, decisiveness; The third is willpower. Therefore, EQ is more important than IQ

5. What qualities should the most ideal working group have

answer from the following aspects: good political quality and ideological and moral quality, sense of responsibility and collective sense of members, mutual respect and love among members

6. Summary of advantages and disadvantages

to answer such questions, we must combine with MBA related knowledge, and closely focus on outstanding management ability, team consciousness, sense of responsibility, collective honor, innovation and other aspects. We should not make mistakes out of nothing and exaggerate them. For example:

advantages: good at learning from other people's experience and strengths. I like to learn from others, learn from others' experience and enrich my mind. Secondly, innovation. Every year, I am in charge of designing several new procts. Disadvantages: the lack of their own management knowledge, so often in doing some of the larger things, there is a sense of incompetence

There are different views on MBA in the society. What's your evaluation

to answer this question, we should pay attention to integrating theory with practice. We should not only talk about MBA theory, but also give examples to illustrate the views of the society on MBA. You can talk about your views next. Only a few years of MBA study can not make an ordinary person, who will not seriously study and think, a future enterprise leader. But I believe that MBA can make a person who is committed to becoming a future enterprise leader, who studies hard and actively exercises in practice more likely to become a future enterprise leader

8. The greatest pressure you have ever met in your work. First of all, give an example to illustrate that you are courageous and indomitable, and do not give up in the face of pressure. At the same time, you have your own way to resist and release pressure. If it's not a big question, but your exaggerated answer is the biggest pressure, it means that your tolerance is not enough, so you should be careful in answering such questions

the above are eight high-frequency MBA questions and answering skills summarized by boyahui. Here, the editor of boyahui reminds all MBA candidates that they must cultivate their thinking and speaking ability now, so as to achieve the ability of overall consideration. There is also standing in the examiner and college point of view to think about the problem, have the overall situation view

for MBA candidates, they have passed the data application of layer upon layer screening, and they don't know how to start in the face of the interview in advance. Today, boyahui editor mainly summarizes the frequently asked questions in recent years and analyzes the answering skills for MBA candidates. What kind of people do you think are suitable for MBA

There are the following types of people who are suitable for MBA: 1. They have certain working experience, most of them rely on their own professional and technical knowledge to engage in enterprise management, and have achieved certain success in practice. At the same time, this kind of enterprise executives also encounter many problems in the actual management work, and they are in urgent need of people who expand their horizons and enrich practical experience; 2. People who have rich practical experience, management ability and need to go back to supplement theoretical knowledge

Why do you study MBA? What can I bring you

to choose to read an MBA, we should give a comprehensive answer from the following aspects: 1. I have a low degree, in order to improve my ecation; 2. Improve my management ability, and reserve professional knowledge for future entrepreneurship; 3. Establish a wider interpersonal network; 4. Receive more extensive and systematic MBA knowledge training, and improve my ability; Can have broader career development space; Can establish a wider network of interpersonal relationships

What are the key factors for success

the key to success is not only to have savvy, talent and talent, but also to have good moral character and solid basic skills. Savvy and talent are innate qualities, but the basic skills and excellent qualities that indivials strive to acquire play a decisive role, No matter how good his ability is, what's the use

4. Which is more important, IQ or EQ

Generally speaking, EQ stands for sensibility and IQ stands for rationality. As far as managers are concerned, EQ is more important than IQ, because in the process of management, more people are involved in dealing with people, and the contact between people pays more attention to emotional communication, but it is not that IQ is not important. Managers' decision-making and system making all need rational basis. The ability of managers caused by EQ is mainly reflected in three aspects: first, communication ability; Second, decisiveness; The third is willpower. Therefore, EQ is more important than IQ

5. What qualities should the most ideal working group have

answer from the following aspects: good political quality and ideological and moral quality, sense of responsibility and collective sense of members, mutual respect and love among members

6. Summary of advantages and disadvantages

to answer such questions, we must combine with MBA related knowledge, and closely focus on outstanding management ability, team consciousness, sense of responsibility, collective honor, innovation and other aspects. We should not make mistakes out of nothing and exaggerate them. For example:

advantages: good at learning from other people's experience and strengths. I like to learn from others, learn from others' experience and enrich my mind. Secondly, innovation. Every year, I am in charge of designing several new procts. Disadvantages: the lack of their own management knowledge, so often in doing some of the larger things, there is a sense of incompetence

There are different views on MBA in the society. What's your evaluation

to answer this question, we should pay attention to integrating theory with practice. We should not only talk about MBA theory, but also give examples to illustrate the views of the society on MBA. You can talk about your views next. Only a few years of MBA study can not make an ordinary person, who will not seriously study and think, a future enterprise leader. But I believe that MBA can make a person who is committed to becoming a future enterprise leader, who studies hard and actively exercises in practice more likely to become a future enterprise leader

8. The greatest pressure you have ever met in your work. First of all, give an example to illustrate that you are courageous and indomitable, and do not give up in the face of pressure. At the same time, you have your own way to resist and release pressure. If it's not a big question, but your exaggerated answer is the biggest pressure, it means that your tolerance is not enough, so you should be careful in answering such questions

the above are eight high-frequency MBA questions and answering skills summarized by boyahui. Here, the editor of boyahui reminds all MBA candidates that they must cultivate their thinking and speaking ability now, so as to achieve the ability of overall consideration. There is also standing in the examiner and college point of view to think about the problem, have the overall situation view

is concerned about the official website of MBA, and more MBA fresh information.

pays attention to the official account of the MBA public.