Digital currency bribery
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
extended data
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
POW: full name of proof of work
pos: proof of stake
both of them are the consensus mechanism of blockchain and the bookkeeping method of digital currency
the difference is:
1. POW mechanism: workload proof mechanism, that is, the proof of workload, is the requirement that must be met when generating a new transaction information (that is, a new block) to be added to the blockchain. In the blockchain network based on workload proof mechanism, the ability of nodes to obtain the correct numerical solution to generate blocks by calculating the numerical solution of random hash hash is the specific performance of node computing power
POS mechanism: the proof of rights and interests requires the certifier to provide a certain amount of ownership of cryptocurrency. The operation mode of the proof of rights and interests mechanism is that when creating a new block, the miners need to create a "currency right" transaction, and the transaction will send some coins to the miners themselves according to the preset proportion. According to the proportion and time of token owned by each node, the equity proof mechanism reces the mining difficulty of nodes proportionally according to the algorithm, so as to speed up the speed of searching for random numbersextended materials:
the concept of bitcoin was first proposed by Nakamoto in 2009. According to Nakamoto's ideas, the open source software and the P2P network on it were designed and released. Bitcoin is a kind of P2P digital currency. Point to point transmission means a decentralized payment system
unlike most currencies, bitcoin does not rely on specific currency institutions. It is generated by a large number of calculations based on specific algorithms. Bitcoin economy uses the distributed database composed of many nodes in the whole P2P network to confirm and record all transactions, and uses the design of cryptography to ensure the security of all aspects of currency circulation. The decentralized nature and algorithm of P2P can ensure that it is impossible to artificially manipulate the value of bitcoin through mass proction
Today's society is a society of rapid development. Many people like to buy things on the Internet. At the same time, the payment method has also changed greatly. This time, Shanghai began to issue digital currency, which also aroused heated discussion among netizens on the Internet. In fact, digital currency is of great benefit to the common people
at the same time, the central bank's digital currency belongs to legal currency, which is the same as cash. We now set up various payment category B in private Payment institutions or platforms, but the central bank's digital currency will not have this situation. As long as we can use electronic currency transactions, we can accept the central bank's digital currency, From this, we can see that its coverage is very wide. At the same time, from the perspective of legal power, the efficiency and security effect of digital currency is the best. Because it is endorsed by the state, it will not be stolen. At the same time, its settlement method is different from other software. At the same time, the central bank's digital currency will not go bankrupt, unlike other private apps
now we can also participate in providing storage space to help those customers who need to store content to keep content fragments, and they will get storage fees; Providing retrieval services, bandwidth, and quickly providing the content customers need will get retrieval fees; Packed blocks, each block confirmed, the network will give a reward. Statistically speaking, the return is higher than that of bitcoin mining.
The integrated network card of computer platform has been popularized for 1000m many years ago. If you take any antique computer and look at the parameter label of integrated graphics card, it will be network card 10 / 100 / 1000m, which is no longer the bottleneck and far exceeds the upper limit of broadband access. The wireless network card of this model of notebook also supports 5g WiFi, which can run over 1000m in 2x2. At present, only 200m to 500m is popularized in most areas, which is also the hardware far ultra access broadband. The only thing you need to consider is whether your router is OK. If you only rely on WiFi to use your computer, you should buy a slightly better router of about 200 or more. Of course, you can buy a cheap miner like 360p4g. But if you don't consider this type of proct, you should only consider the new mainstream retail model, As mentioned above, 200 + routers have more rendant performance
the concept of bitcoin was first proposed by Nakamoto in 2009. According to Nakamoto's idea, open source software was designed and released, and P2P network was built on it. Bitcoin is a kind of P2P digital currency. Point to point transmission means a decentralized payment system. Bitcoin economy uses the distributed database composed of many nodes in the whole P2P network to confirm and record all transaction behaviors, and uses the design of cryptography to ensure the security of all aspects of currency circulation. Bitcoin network uses & lt; Mining & quot; The next generation of bitcoin. The so-called & lt; Mining & quot; In essence, it is to solve a complex mathematical problem with computer to ensure the consistency of Distributed Accounting System of bitcoin network. Bitcoin network will automatically adjust the difficulty of mathematical problems, so that the whole network will get a qualified answer about every 10 minutes. Then bitcoin network will generate a certain amount of bitcoin as a reward to reward the person who gets the answer
most countries do not recognize bitcoin as a real currency, and the price of bitcoin fluctuates under the influence of national policies, because the fatal weakness of bitcoin is that with the cryptocurrency exchange, black money easily has a legal source. Money laundering is abhorred by all countries. What kind of behavior needs money laundering? Drug trafficking, smuggling, fraud, corruption, bribery and tax evasion. Also easy to make capital flight, also known as asset transfer. If a businessman wants to immigrate and convert all his assets into US dollars, he needs to go through the State Administration of foreign exchange. Now the foreign exchange control is strict, and 50000 yuan has to go through the process of filing. The state will never give a large amount of foreign exchange to indivials. With bitcoin, it's different. It doesn't need to go through the safe. Among other risks, e to the lack of regulation, cryptocurrency & lt; It may cause irreparable losses to all parties in the transaction;. Payment may & lt; This includes factors that may undermine people's confidence in the methods and tools currently used in payments
as for the new concept of digital RMB, commercial banks should treat it with an open and inclusive attitude because digital RMB can be said to be the general trend in the future, if it can be well incorporated into the digital RMB business, it can also promote the development of commercial banks themselves
In addition, the transaction efficiency of digital currency is higher than that of current public use, and it can be used in some areas without Internet coverage, which is very convenient if digital RMB can be promoted, it will be a great change for payment. The promotion of digital RMB is also very important for preventing corruption and purifying social atmosphere. Its process is very transparent, you can see the direction of funds at a glance, but also for many officials want to corruption, bribery provides inconvenience, can create a clean political environment. Moreover, digital RMB also plays a very big driving force for the internationalization of RMB in China, which can promote cross-border payment and promote the development of China's foreign trade economy. At the same time, digital RMB also has some disadvantages, such as increasing the use cost of users and strengthening the central bank's control over currency and intervention in the market. Many people are also very worried about the concerns about personal privacy and property security of digital RMB, so the relevant person in charge said that all this should be carried out in an orderly way