Shenzhen Futian which businesses can use digital currency
for example, zero currency appeared this year, which is invincible in terms of anonymity. It is known as the best digital currency in the world with anonymity, and it is technically superior. The project token of European crowdfunding platform crowdfunding is not innovative in technology, but it has application problems.
virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. This kind of virtual currency is mainly limited to circulation in a specific virtual environment. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency
in 2013, the central bank, together with five ministries and commissions, issued the notice on preventing the risk of bitcoin, which clearly defined non legal digital currencies such as bitcoin as virtual commodities, not in the form of currency and legal 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 banknotes.
Luohu's Mixc, China Resources Vanguard, Meiyijia convenience store, Tianhong Department store, Maoye department store and other supermarket department stores; Noodle King, Taixing restaurant, food first and other restaurants; Digital currency can be used in Junyue Hotel, Shenzhen book city, huaguoxian, gas station, subway recharge machine and other living service places
there are 3389 merchants in Luohu District of Shenzhen who have completed the transformation of digital RMB system, and they can use digital currency in these shops
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advantages of digital currency:
1. Save cost and improve efficiency
in the traditional electronic payment process, funds are stored in the third-party platform. The third-party platform deposits funds through the time difference of payment to obtain short-term interest income, which makes customers and businesses suffer losses, and the transaction process has two capital transfers, which makes the transaction process rendant. Electronic payment based on blockchain technology eliminates the third-party platform and realizes peer-to-peer payment (P2P), which simplifies the payment process and reces the payment cost
2. Optimize the traditional payment function
digital currency can inherit the advantages of cash payment (point-to-point payment, instant payment and settlement, convenient and fast), and solve the defects of cash at the same time. In this condition, controllable anonymity can be realized at the same time. That is to say, compared with traditional mobile payment, digital signature is used to effectively protect the personal information of each participant, so as to prevent the loss, leakage or malicious tampering of the user's personal information
3. Control the whole life cycle of currency and control the return of currency
The economist Stiglitz studies the macroeconomic management of e-money system, and points out that the electronization and digitalization of money will help to improve the ability of central bank to monitor money flow and organize market, and improve the effectiveness of monetary policy. More importantly, legal digital currency will create a new price based monetary policy tool, which can break the zero interest rate lower limit and release monetary policy space Digital currency does not rely on physical outlets and labor services, and has low cost of infrastructure and human resources. It can obtain a larger service capacity with less material and human input, which is concive to the expansion of financial services in remote and poor areas. Moreover, financial services based on digital currency have the characteristics of small amount and convenience, such as "massive transactions, small and micro single amount", which create conditions for the general public to facilitate life and increase employmentwarm tips: the above contents are for reference only, without any suggestions. There are risks in entering the market, so investment should be cautious. Before making any investment, you should make sure that you fully understand the nature of the investment and the risks involved in the proct. After a detailed understanding and careful evaluation of the proct, you can judge whether to participate in the transaction
response time: January 28, 2021. Please refer to the official website of Ping An Bank for the latest business changes
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the most noteworthy is the application scenario, which has made a very significant breakthrough although the digital currency in Shenzhen is also distributed to all citizens this time, it is necessary to decide who will be distributed by drawing lots. In the past, it was only a closed test, but now it is open. The message we can get from this move is that the digital RMB is imperative, inevitable and on the road
the above is to & lt; What information should we pay attention to when Shenzhen uses digital RMB red envelope& rdquo; If you have any other different opinions, please write them in the comments section below. Let's discuss them together
1 Shenzhen digital RMB red envelope was implemented for the first time, with an appointment winning probability of 2.6%
Luohu District of Shenzhen first implemented the digital RMB red envelope, and this time the Shenzhen Municipal Government continued to expand the amount of digital RMB, and about 50000 people in this appointment will have the opportunity to seize the digital RMB red envelope. And the probability is very low. In Shenzhen, the number of people participating in the rush to sign an appointment has reached 1.91 million. Moreover, it is not easy to get the quota when 50000 people win. Only 2.6% of them will win. This is the first time for Shenzhen to implement digital RMB, which is also the work of pilot and information collection. Most merchants in Luohu District of Shenzhen support the payment transaction of digital RMB
1. Open I Shenzhen app and click Lixiang Luohu activity in the main interface to enter