Digital currency attacked by China
At 8:00 on October 11, Shenzhen & lt; Enjoy Luohu digital RMB red envelope & quot; At the end of the appointment, the system successfully completed the pilot appointment registration, which is an important step in the development process of digital RMB. Adrian said: & lt; China's digital currency pilot leads the world, and the IMF pays close attention to the pilot situation of China's digital currency in some urban areas& rdquo; From the perspective of monetary statistics, the central bank's digital currency belongs to the category of M0, that is, cash, not M1 or m2. Therefore, he does not think it is necessary to worry about the impact on banks in the initial stage{ RRRRR}
overall, the impact of digital RMB on China's financial system will be all-round, and the development of China's digital system will usher in a new era
digital currency is an alternative currency in the form of electronic currency. At present, no central bank of any government has indicated that it will issue digital currency, and digital currency does not have to have a benchmark currency and a central bank. It is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency.
Digital currency is a new technology that can improve the efficiency of transaction, but it is targeted by lawless elements to carry out pyramid selling and fraud in its name
the official website of the monetary Bureau of the people's Bank of China issued the risk warning on issuing or promoting digital currency in the name of the people's Bank of China. The central bank pointed out that recently, indivial enterprises falsely used the name of our bank to label relevant digital procts as "authorized issuance by the people's Bank of China", or falsely claimed that the digital currency promotion team of the central bank issued, in an attempt to deceive the public and take the opportunity to make huge profits
in the risk warning, the central bank stressed that the bank has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency. At the same time, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud. The general public should raise their risk awareness, invest rationally and prudently, and prevent the interests from being damaged
Yan Lixin, Professor of School of economics of Fudan University and Secretary General of China Anti Money Laundering Research Center, said that many domestic virtual currencies have been used by criminals to become the targets of pyramid schemes. "With the rapid development of the Internet age, the essence of pyramid schemes has not changed. What has changed is only its means and forms. From offline to online, physical objects have become virtual objects, In this case, the risk is greater, and it is more difficult for consumers or investors to stop loss, rece loss and safeguard their rights. "
"the legal tender of our country is RMB." In the risk warning, the monetary Bureau of the people's Bank of China once again stressed that RMB is uniformly printed and issued by the people's Bank of China
Digital currency has been issued in some cities in China, but it will take some years for it to be popularized{ RRRRR}
3. It takes a while for digital currency to be popularized in an all-round waydigital currency is to turn paper money into a number that people can see on the Internet, which is more convenient for people to operate as long as we use the mobile phone in our daily life, we can complete a series of commodity transactions without using the Internet. At that time, it will be the real realization of a mobile phone that can travel all over the world
therefore, as the world's second largest economy, we need to develop and implement digital currency
the above are my personal suggestions, which I hope will be helpful to your questions.
China's digital currency is as long as there is a mobile phone, no network, as long as the touch can be paid, and with detailed transaction records, it is very helpful to combat money laundering crime; This currency is mainly aimed at grabbing shares for Alipay, WeChat and POS terminals. It can also pave the way for RMB internationalization. Digital currency is not only safe and endorsed by the state, but the global central bank is pushing digital money. Now the digital currency is still in the testing stage. What time will it be popularized? It will have to wait until the Beijing Winter Olympic Games in February 2022 to fully promote the use
China's central bank's digital currency can be used for daily micro payments. Because it will be more stable with the endorsement of the state, the central bank's digital currency is different from bitcoin and Libra launched by Facebook. I give digital currency legal effect, and indivials can't refuse to accept it. At the same time, it is very convenient to use. It can be paid without binding any bank account. Digital currency will not cause inflation. Now it can be implemented and used in Shenzhen, xiong'an, Cheng, Suzhou and other cities. It also shows that the era of paperless is coming. Digital currency is a new concept with high technology content. In the future, RMB will enter the 3.0 era. Although the current digital currency is more powerful, it is still unable to put an end to money laundering and corruption
it can be said that China's currency provides a useful space for a RMB transaction in the world. Even for many people, digital RMB may provide a useful and effective way for a world bank to communicate
the use of digital currency has a direct impact on a country's economic development. It can be said that on the technical level, digital currency provides a forced mechanism to ensure that it can monitor all capital flows and implement greater control over China's financial system and capital account. The development of digital currency in China can also effectively provide the direction for China to avoid the U.S. leader's financial system
The rise of financial technology promotes the digital and intelligent development of finance, and the form of money is also developing. With the rapid development of information network communication technology, electronic payment has been popularized rapidly, and legal digital currency is also developing< China vigorously promotes digital currency, and the development of digital currency has great positive significance for China's economic development
finally, it is difficult for users to feel the difference between digital RMB payment and third-party payment in their daily consumption. In comparison, the use of digital RMB payment is more convenient than the third-party payment , and digital RMB payment is not limited by the network and payment scenarios. Digital RMB is the financial infrastructure built by the state, and there is no charge for the cashing and redemption of digital RMB. Digital RMB can be used to pay third-party payments. However, for those who need convenient electronic payment, people without financial accounts can also use digital RMB< Digital RMB supports controllable anonymity, which can better protect users' privacy