Virtual currency pilot in Shanghai
Hello, where are the first batch of pilot cities of the central bank's digital currency? Do you think they are well deserved super first tier cities "Beijing, Shanghai, Guangzhou and Shenzhen"? I want to tell you that it's not all right. Except Shenzhen, the other three cities are Cheng, Suzhou and xiong'an new area. At present, Shenzhen is the earliest city to launch digital currency. On October 9, Shenzhen issued 10 million digital currency. 50000 people, 200 yuan per person, can enjoy the welfare, which is distributed to everyone free of charge through the way of wagging number. Here, I can only envy you. The implementation of digital currency is so fast. The friends in the pilot cities are lucky. I just want to watch you win the lottery
the first batch of pilot cities are selected in these four cities, which is the first step for digital currency to go to the whole country. When it matures in the future, it will be promoted to more pilot cities. So don't worry, just wait. Even if our city is not a pilot, it doesn't matter. Next time it will be our city. The pilot is just to test the stability of the system, and we don't have a great chance to get the red envelope of digital currency. There are so many people in Shenzhen, and only 50000 numbers are selected. Here we would like to express our support and thanks to the cities selected as the pilot cities of digital currency
Digital currency is just a trend and a challenge. The main feature of central bank digital currency is that it is legal tender issued by the central bank and has the same function as RMB on paper money. In fact, the central bank's digital currency is first exchanged by the central bank to banks or other operating institutions, and then by these institutions to the public, In terms of strengthening the function of global resource allocation, this is to continue to promote the expansion of the financial instry, open to the outside world, continue to gather a number of functional and headquarters institutions, and promote the development of the financial instry
Users who promote trade innovation and development, vigorously develop new business models and offshore trade online payment methods are relatively sticky, although people can tolerate new things, digital currency should not proce e-money payment in the short term; Impact & quot Looking forward to the long-term future, the implementation of digital currency can play a positive role in tracking abnormal transactions or exploring financial risks. The transaction data generated by digital currency is likely to be incorporated into the personal customer data system. Financial institutions can use big data analysis to accurately outline customer profiles and further tap customer value, The precipitation of these data can also provide the government with effective decision-making basis, realize the wise government and improve work efficiency
The differences are as follows:
1. bitcoin is valuable and highly valuable because it costs a lot of labor to obtain it; The value of mchain is not high. The value of 100 mchain is almost the same as that of counterfeit money, and the cost is a few cents
2. Compared with bitcoin, mchain token has more novel playing methods and reward mechanisms. These reward mechanisms actually enable players to play and gain to a certain extent, while bitcoin is boring
3. Bitcoin is well known by people, while mchain token has not emerged for a long time, only a few people know it
extended data:
the name of bitcoin is currency, not real currency. Looking around the world, only Germany recognizes it as the equivalent of "private currency". Since it is not a currency, the financial regulatory authorities of various countries will not regulate bitcoin as they regulate currency. In this way, bitcoin is becoming a special "equivalent" wandering in the gray area
recently, bitcoin and its derivative financial transactions are in full swing. Bitcoin futures trading has been approved by a number of exchanges in the United States, but not regulated. This gives the bitcoin a seemingly "legitimate" coat, and makes bitcoin more like the tulip bubble of Holland in seventeenth Century: the "makers" who have a clear purpose are making money full of money. Compared with the high point of 20 thousand US dollars / p>
, the price of bitcoin is deep at present, but if the government strengthens supervision in the future, or its own capacity limit leads to shrinkage, the level of bitcoin will go deeper. In the past, the price of bitcoin has been slashed, and its future trend is particularly alarming
will definitely make it more convenient, and the digital currency will see more of him than we do with WeChat payment, and he will not receive a dection from the third party WeChat or Alipay, so his currency in this respect is still better. Third, we can do more if we can make the economy develop better< p> Finally, we can make digital RMB better replace our paper money, rece the utilization of resources to a certain extent, and bring the maximum benefit from the shore
has been heard before, with Alipay and WeChat paying the means of payment, the renminbi will change from paper money to digital RMB, which means that there is less chance to pick up money after going out,
will not for the time being. Gong Zheng, mayor of Shanghai, said in his government work report on January 24 that we should continue to promote the opening-up of the financial instry, continue to gather a number of functional and headquarters institutions, and promote the pilot of digital RMB. Shanghai will promote the pilot of digital RMB this year, and Beijing will promote the pilot application of digital RMB. Shenzhen has launched three rounds of digital RMB pilot this year, with a total of 60 million yuan of red envelopes. Guangdong plans to build a digital currency innovation pilot zone this year
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5. Point to point delivery. Through the way of digital currency smart contract, it can realize the point to person delivery. People's livelihood funds can be distributed to people's digital wallets, so as to eliminate the possibility of false reporting, false claim, interception and misappropriation
6. High traceability. In the case that the competent authorities issue the corresponding legal documents in strict accordance with the proceres, the corresponding data verification and cross comparison are carried out to provide information support for cracking down on crimes. Even if corrupt elements break up into parts, it is difficult to evade supervision
Shanghai pilot use of digital RMB
Dr. Yu Yiming, from the Department of respiratory and critical care medicine of Tongren Hospital Affiliated to Shanghai Jiaotong University Medical College, became a "taster", and he used his new screen display card style hard wallet to "rely on" the payment terminal to complete the payment
this is the first time that digital RMB has realized the Hard Wallet payment mode without mobile phone in Shanghai after Shenzhen and Suzhou mobile phone code scanning and touch payment. However, in the view of instry insiders, the use of digital RMB in Shanghai pilot screen card type hard wallet payment is not "double offline" payment, but "single offline" payment
then, how can digital RMB truly realize safe "double offline" payment? In this regard, the reporter of international finance news interviewed the banks that provided technical support for the pilot project of digital RMB in Shanghai, and relevant people of many banks said that there was no disclosure caliber for the time beingblockchain, analyzed the "double offline" payment logic of digital RMB that he understood to the reporter of international financial news: "when the payment wallet is disconnected from the network, it constructs a transaction message and signs it, sends it to the collection wallet through near-field communication, and the collection wallet is submitted to the digital RMB system of the people's Bank of China for accounting in the subsequent networking."
The reporter learned that on January 5, Dr. Yu Yiming of Tongren Hospital Affiliated to Medical College of Shanghai Jiaotong University took the lead in using the screen display card type digital RMB Hard Wallet provided by postal savings bank of China to realize the one-stop experience of ordering, consuming and paying in the staff restaurant of the hospitalafter ordering a meal, Dr. Yu Yiming took out the new hard wallet of China postal savings bank, and gently "leaned" on the payment terminal of the restaurant. The ink screen in the upper right corner of the Hard Wallet Card "scattered" to complete the payment
the payment terminal will print out the consumption ticket immediately, and the consumption amount, card balance and offline payment times are clearly displayed in the ink screen window in the upper right corner of the hard wallet card“ For the first time, it's very convenient to consume in digital RMB. You can see the balance and feel at ease. " Yu Yiming said
Digital currency, I believe you are no longer unfamiliar. With the continuous implementation of the use of digital currency, digital currency has been graally integrated into the society. In the near future, digital currency is likely to replace paper money. In fact, the so-called digital RMB refers to the legal digital currency not yet issued by the people's Bank of China; Digital money electronic payment & quot DC/EP,Digital Currency Electronic Payment{ RRRRR} although digital currency pilot is only carried out on a small scale now, we believe that digital currency will be closely related to our life and we will not be separated from digital currency before long