Top level design of legal digital currency
Recently, there is relevant news that the central bank's digital currency is about to fall, which has attracted most people's praise. The relevant person in charge of the digital currency Research Institute said that the research and development of digital RMB is steadily advancing. At present, closed pilot projects have been carried out in Shenzhen, Suzhou and other places, and the functions are being continuously optimized and improved< Strong> after the central bank issues digital money, the daily payment will no longer need real name, nor do it need to use Alipay and WeChat to pay. It will bring great convenience to our life, and at the same time, it will change a lot. RRRRR}
the issue of digital currency is a trend, which will bring convenience to our lives. It also indirectly reflects the development of currency and social progress. After the use of digital currency, there will be a severe crackdown on crimes and other acts. The difficulty of money laundering will increase and criminal acts will be reced. The flow of money can be effectively queried through mobile app records, which has a great impact on social life
in fact, the country has been studying the field of digital currency, and digital currency and blockchain are the future development trend. As for when to issue, we can only say that when the time comes, it will be issued naturally. We need to ensure the steady operation of the financial economy.
2019 August 21st, the official account of WeChat central bank released two articles on digital currency.
moreover, it is totally different from q-coin and bitcoin. Commonly known as q-coin and bitcoin, these belong to virtual currency. Compared with digital currency, the most fundamental difference lies in the difference of issuers
virtual currency is the electronization of illegal currency. The issuer is not the central bank, and it can only circulate in a specific virtual environment, such as Tencent Q coin and other game coins; Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency, bitcoin is illegal digital currency
legal digital currency is the digital currency issued by the state and the central bank in China
this kind of digital currency can carry on the ordinary on-line mobile payment, also may carry on the sweep code payment, is similar to the Alipay and WeChat's using method, is very convenient.
this new type of legal digital currency is actually much more convenient than the existing means of mobile payment for three reasons:
first, legal digital currency does not need bank transfer and withdrawal
now we need to use Alipay and WeChat to bind the bank cards on Alipay and WeChat first, then transfer the money in the bank card to Alipay and WeChat, which is very troublesome. p>
but legal digital currency itself is stored in the bank card account, so there is no need to transfer in and withdraw the operation, you can directly withdraw the digital currency on the ATM, or you can directly use the app to pay, which is very convenient
however, some of the so-called digital currency systems are deceptive in themselves. Authentic digital currency generally refers to bitcoin, Leyte currency, decent and other digital cryptocurrency.
the central bank's digital currency has national credit and is equivalent to legal currency. Its functional attributes are exactly the same as those of traditional paper currency, but it is in digital form. Digital currency is concive to recing transaction costs, improving financial efficiency, and preventing money laundering and other illegal transactions
warm tips: the above explanation is for reference only
response time: January 6, 2021. Please refer to the official website of Ping An Bank for the latest business changes
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