Digital currency traffic scene leader

1. The central bank's digital currency landing frequency exceeds expectations, and the phenomenal events in the blockchain field may comprehensively catalyze the application of blockchain in more scenarios; Key recommendations: Omar electric, Hang Seng electronics, Xinya Da, Haili Meida, Guangbo Co., Ltd., Feitian integrity, winwin; Suggestion: digital authentication.

2. The issue of digital currency can not only rece the high cost of traditional paper currency issue and circulation, but also better serve our virtual economy. Previously, bitcoin and other data currencies were legalized in California, and the Bank of England also considered issuing digital currency, which opened a good foundation for digital currency circulation. With the issuance of digital currency in China, the penetration rate of mobile payment will rise by leaps and bounds, and the enterprises that take the lead in the layout will have broad prospects for development
in the A-share market, the concept stocks related to mobile payment mainly include: Hengbao shares, new world, Tianyu information, Zhongke Jincai, national technology, new cape, new Guo, etc.

3. CBDC, the full name of central bank digital currency, translated as the central bank digital currency. The Bank of England, in its Research Report on CBDC, gives this definition: central bank digital currency is the electronic form of central bank currency, which can be used by households and businesses to make payments and store value. The Chinese version of CBDC is described as digital RMB, which is issued by the people's Bank of China, operated by designated operators and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation. What we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment tools". The center for International Settlements (BIS) and the Committee on payment and market infrastructure (CPMI), two authoritative international organizations, jointly concted two questionnaires on more than 60 central banks in 2018 and 2019. The content of the questionnaire includes the work progress of central banks on digital currency, the motivation of studying digital currency and the possibility of issuing digital currency. 70% of central banks said they are (or will be) involved in the research of digital currency
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4.

On A-share, the leading stock of digital currency concept is Hang Seng electronics, with the stock code of 600570

The main business of Hang Seng Electronics Co., Ltd. is to provide domestic financial institutions with software procts and services as well as financial data business, and to provide wealth management tools for indivial investors

5. The central idea of digital currency is decentralization, but the central bank should only use the encryption method of digital currency.

6. Hailimeda (002537): its main business is the development, proction and distribution of home appliance parts, auto parts, micro and special motors and motor parts; Precision mold development, design and manufacturing, is a strong domestic comprehensive strength of home appliance parts suppliers
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7.

In the official letter of Xiangcheng District of Suzhou, enterprises, institutions and management committees of Xiangcheng District are required to sign a digital currency agreement with the wage paying bank, install digital wallets for all staff (except retirees), and pay 50% of the monthly salary in the form of digital currency

this is the first practical application of the central bank's digital currency since the R & D news, which is a historical moment worth remembering

let's review the development of DCEP:

in 2014, the central bank set up a special research group on legal digital currency

in 2016, it set up a digital currency Research Institute on the basis of the original group

in June 2018, it set up Shenzhen Financial Technology Co., Ltd.

in August 2019, the central government issued a document to carry out digital currency research and mobile payment pilot in Shenzhen

on October 29, 2019, At the "2019 Bund financial summit", Huang Qifan, vice president of China Center for international economic exchange, said: "the digital currency DCEP launched by the Central Bank of China is a new crypto electronic currency system based on blockchain technology." This is the debut of DCEP

On April 3, 2020, in the "national teleconference on money, gold, silver and security work", the central bank said that it would "unswervingly promote the research and development of legal digital currency"

On April 10, Zhou Xuedong, director of the general office of the people's Bank of China, pointed out at the "first quarter financial statistics press conference" that "with regard to digital currency, the people's Bank of China is advancing in an orderly manner according to the original plan."

on April 14, the central bank's digital currency DCEP took the lead in the internal test of ABC

on April 16, Xiangcheng District of Suzhou realized the implementation of the first application scenario of central bank's digital currency DCEP, using "digital wallet" as the payment channel and issuing it in the form of transportation subsidies

judging from various actions, the central bank's plan for digital currency is well prepared and in an orderly and continuous progress

why DCEP

from the national level, it is well known that the macroeconomic regulation and control means of sovereign countries are mainly through monetary policy and fiscal policy, just like the current global lack of liquidity e to the epidemic, China's economy is stimulated by interest rate rection and government spending, but the funds are transmitted layer by layer, and there are few funds really used for the target range

if we use the central bank's digital currency system, we can analyze and track a large number of transactions, and use the most direct and efficient means to put funds where they need, so as to release liquidity and benefit the people

from the international level,

the use of blockchain technology can realize the review of national credit and increase the credit of the country's monetary system. With the increase of GNP, credit must also increase, and the process of RMB internationalization will be more rapid

this is very simple to understand. Blockchain technology makes it impossible for asset certificates to be forged and makes credit verifiable, which is naturally concive to RMB internationalization

Last year, the World Bank Group and the International Monetary Fund (IMF) issued a report that up to now, nearly 70% of the central banks are studying the digital currency of the central bank, which also shows that the digital wave is the general trend. At present, the central bank's digital currency DCEP is likely to be used on a large scale ahead of other countries in the world, and the era of digital currency is coming

the era of digital economy is getting closer and closer

today's era is a digital era. With the comprehensive rise of technological innovation and digital economy, science and technology has changed from the initial role of a tool to the backbone of financial reform. The continuous collision and integration of digital five complete genes (whole airspace, whole process, whole scene, full analysis, and full value) and financial instry not only changes the settlement and settlement methods and sovereign currency issuance mechanism among indivials, enterprises, and countries, but also greatly improves the operation efficiency of instrial chain, and brings the development of the whole economic society and human progress

if blockchain technology will "genetically transform" all walks of life, then digital currency will "genetically transform" the financial instry. Looking forward to the future, the in-depth integration and transformation of traditional instries by blockchain, artificial intelligence, cloud computing, Internet of things and other technologies will lead us into a new era of digital economy

in short, the era of digital economy is getting closer and closer to us

the implementation of the central bank's digital currency is bound to bring disruptive changes to the existing financial market and breed huge wealth opportunities. The future has come, the wind has come, keep up with the pace of the instry, accurately grasp the future trend, and quickly seize the blue ocean of wealth business

8.

On July 8, the digital currency Research Institute of the people's Bank of China formally reached a strategic cooperation agreement with didi travel to jointly study and explore the scene innovation and application of digital RMB in the field of intelligent travel. The two sides hope to promote the platform ecological construction of digital RMB in diversified travel scenarios through the establishment of cooperative relationship

didi travel said that under the guidance of relevant departments, it will cooperate with the digital currency Research Institute to strictly implement the guidelines put forward by the Party Central Committee and the State Council to improve the ability of financial services to the real economy, and promote the integrated development of the digital economy and the real economy

this article comes from the author of car home, which does not represent the standpoint of car home

9.

The biggest significance of promoting digital currency is to bring more convenience to people, and the management of currency by the state is easier, which can eliminate the circulation of counterfeit currency to a great extent. When we go to the bank to withdraw money, it is more efficient and convenient for us to carry money. In addition, it has the function of anti-corruption. Every digital RMB will have a circulation number. If there is corruption, you can easily find out. You can also control the source of money

What is the difference between digital RMB and other payment methods

the money deposited in digital RMB is actually money. Each RMB has its own circulation number, which is not only the form of amount. Other payment methods like the payment of UnionPay or WeChat or Alipay payment only transfer the amount to other people's mobile phone, but not the circulation of RMB. The money in the digital RMB app is equivalent to the money in the pocket. As long as it is not spent, the money in it will not be much or less. And there is money in bank Alipay WeChat, there are still some interest per day. br />