Does virtual currency change the nature of money
at present, the well-known virtual currencies are bitcoin, Laite coin, Fuyuan coin and doggy coin.
The differences between e-money and virtual money are as follows:
1. Electronic money refers to using a certain amount of cash or deposit to exchange from the issuer and obtain data representing the same amount, or through the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic ways, so that transactions can be carried out. Strictly speaking, it is a kind of currency that consumers use the bank's Internet banking service to store value and make quick payment to the issuers of electronic currency, and make consumers trade electronically through media (two-dimensional code or hardware equipment)
Virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum" The detailed explanation of electronic currency is as follows:1. Concept: it is an encrypted serial number representing cash, which can be used to represent the currency value of various amounts in reality. With the transformation from paper-based economy to digital economy, e-cash will become the mainstream
2. Features: anonymity, transaction cost saving, transmission cost saving, low holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, non traceability
There are two kinds of e-cash: one is based on the Internet and keeps the binary data representing the value of money in the hard disk of the computer terminal; One is the electronic wallet that keeps the monetary value in the IC card and can be circulated without the bank payment system4. Definition: consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form
for example, the current electronic transfer is actually virtual currency
of course, paper money itself is a currency symbol, not a currency
the goods ratio is the general equivalent
nowadays, paper money or virtual currency are all transactions based on national credit or enterprise credit
in these economic activities, virtual currency acts as a measure of value and a means of circulation.
The essence of money is the general equivalent. In the process of the continuous development and evolution of human history, it has gone through the stage of physical money, the stage of substitute money, and then entered the stage of credit money. In primitive society, people exchanged livestock, salt, shells and other hard to get goods as general equivalents
in the long history, the emergence of metal currency makes the economic life achieve unprecedented prosperity. However, e to the inconvenience of carrying metal money, paper money became the mainstream form of money. With the rapid development of modern information technology, e-money has come into our life
if the evolution process from physical money to value symbol paper money is the first qualitative leap in the history of money development, then the evolution process from paper money to electronic money is the second qualitative leap in the history of money development
from the perspective of money form, physical money itself is a commodity in addition to performing monetary functions; Paper money is a symbolic tool of value for commodity exchange and a credit currency; Electronic currency is the proct of highly developed Internet economy and continuous progress of bank payment and settlement technology. It not only has the function of traditional currency, but also can continuously improve digital currency
At the same time, the virtual money market based on electronic information is also booming. By the end of 2014, the number of Internet users in China had reached 632 million, including 517 million registered users in the online game market and 114.48 billion yuan of sales revenue, an actual increase of 37.7% over the previous yeara huge virtual space based on the Internet has been formally formed. As a kind of virtual currency with intrinsic value, convenient online trading behavior, low transaction cost, and service providers' issuance, it emerges as the times require
first of all, from the functional analysis. Virtual currency is a kind of transaction medium in the Internet virtual space, which has the function of value scale, but the value scale of virtual currency is different from that of legal currency
using virtual currency to purchase virtual procts and services can only be within the scope specified and allowed by the issuer of virtual currency (Internet operator), and the size of this scope depends on the number of virtual procts and services. If the virtual procts and services provided by the website are large enough, the scope of virtual currency will be large
the currency value of virtual currency depends on the pricing of virtual currency by issuers. When no currency can communicate between virtual cyberspace and reality, the pricing of procts and services is still based on real RMB. That is to say, when issuers of virtual currency price their own virtual currency, they should first convert the price of virtual currency based on RMB
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 />