Will virtual currency have an impact on RMB
As a proct of e-commerce, virtual currency is playing a more and more important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers. Since 2004, the discussion on whether virtual currency represented by Q currency will impact RMB has been concerned by all parties. But officials have not been clear about this. The trading mode of virtual currency also expanded rapidly. A series of events triggered the attention of the community to the virtual currency. People have expressed their views on it. Some people think that virtual currency will have an impact on RMB, so we should take compulsory measures to prohibit the issuance of virtual currency; Some people hold a reserved attitude that virtual currency will not have an impact on RMB and should not stifle the development vitality of commercial organizations too early. Zhang Jie of Huawei group thinks so
with the continuous progress of technology, electronic payment (including electronic money) not only changes people's payment habits, but also imperceptibly changes people's consumption habits and promotes the expansion of consumer credit. It is necessary to pay close attention to the innovation of the form, the evolution of the nature, the difference of the operation mode and the possible impact on the credit risk and moral hazard of this new thing, and properly supervise it. But the more important thing is to give the market main body corresponding development space, avoid strangling the development vitality of the corresponding business organization in the early stage of market development. Therefore, the best way to treat e-money is to observe its changes and strengthen research. In the face of such remarks as "q-coin impacts the RMB financial market", we need to discuss them in the context of scientific and technological progress. The key to understand the problem is how to design relevant policies and encourage the development of electronic payment instruments such as electronic money, rather than the harm of speculative virtual money and electronic money. We call for strengthening supervision
& quot; And the real money supply can not meet the money demand. Will it cause deflation? But most of the statements about the impact of virtual currency on reality say that it will cause inflation. Why do you say that& quot;
the key lies in the liquidity of virtual currency. If the virtual currency itself can be accepted and circulated in the market like RMB, then issuing virtual currency is equivalent to issuing RMB, and the issuance of virtual currency is very random. If a large number of virtual currencies are issued in the game, there is the possibility of inflation in theory.
but in fact, this situation is very difficult to achieve The essence of unreliability determines that it is difficult for RBM to achieve its acceptance and circulation; Second, the issuance of virtual currency is actually a hedge against the game's demand for RMB. Therefore, the government's restrictions on the use of virtual currency are just a precautionary measure.
however, once it is legally linked with fiat money, it means that fiat money has the obligation to convert virtual money into fiat money. This is very dangerous
because there is no limit to the issuance of virtual currency, once there is a legal link, it is equivalent to the unlimited issuance of legal currency
although QQ coin seems to have the function of currency and can buy a lot of things on QQ, in the final analysis, it is all virtual things, and its essence is commodity.
I believe we all know that "the central bank is promoting digital currency"? what is it? In fact, digital currency is an alternative currency in the form of electronic currency, which can be used as a real transaction of goods and services. For Chinese consumers, mobile payment has long been integrated into our daily life. Therefore, the introction of digital currency is more catering to the society. We don't have to worry about its impact on our daily life. In fact, the functions and properties of digital currency are exactly the same as paper money. This means that digital currency can replace cash, which is a kind of digital RMB cash
the introction of digital currency has many advantages. Moreover, with the progress and development of the times, Chinese people can quickly accept digital currency. For the elderly, the use of digital currency is much more convenient and easy to learn, because they can pay without network and signal
now some banks have quietly launched tests, which shows that the central bank attaches great importance to the comprehensive promotion of digital currency! But when the digital currency is online, the market of payment software such as Alipay and WeChat will be compressed. So, are you looking forward to this new way of payment< br />
of course not. Neither is a concept. Alipay and digital RMB are not in the same dimension. Alipay is the financial infrastructure and “ Wallet;, The digital RMB is the payment instrument and & lt; Wallet & quot; In the electronic payment, Alipay's “ Wallet & quot; Including commercial bank deposit money, after the issuance of digital renminbi, everyone can still use WeChat payment and Alipay to pay, but “ Wallet & quot; There has been an increase in the content of
when more money is collected, digital wallets become rich people like banks. We see that although Alipay payment seems to be isolated from platform payment, in fact, they are growing with the support of payment data and funds, especially when banks and wallets are pools of funds under non bank accounts, forming the ability to create money, creating new regulatory dimensions for central banks, and they are different concepts. As for the impact of digital money on Alipay, there is only more choice between them in terms of currency payment, which is equivalent to a few extra coins in our original wallet. p>
although q-coin does not have monetary function, it does not have complete virtuality. For example, many items in QQ shopping malls are based on art design and can be regarded as commodities, while game currency and some items that can be exchanged through QQ currency in online games do not have the value attribute of commodities, because they are largely controlled by game companies and depend on the existence of games, which has no great value to social economy. Although q-coin has no impact on RMB at present, it is necessary for the state to issue relevant laws and regulations to restrict and regulate it, so as to prevent profiteers from making profits through illegal means
in short, q-coin has no impact on China's financial market system at present, but in the modern era of rapid progress in science and technology, we should also take precautions. In particular, the legal status of virtual currency such as q-coin is not clear, which is easy to be used by lawless elements. The state should take action as soon as possible to purify cyberspace and introce laws and regulations to regulate virtual currency.