Virtual currency book
warm tips: the above contents are for reference only
response time: September 27, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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according to the notice and announcement issued by the people's Bank of China and other departments, virtual currency is not issued by the monetary authority, does not have legal compensation and mandatory monetary attributes, is not a real currency, does not have the same legal status as currency, cannot and should not be used as currency in the market, and citizens' investment and transaction of virtual currency are not protected by law
response time: January 19, 2021. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An Bank I know] want to know more? Come and see "Ping An Bank I know" ~
https://b.pingan.com.cn/paim/iknow/index.html
network virtual currency can be roughly divided into
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and using these to buy Herbs and equipment, but it can only be used in his own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community, the realization of game networking, virtual currency has a "financial market", players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third kind of virtual currency on the Internet, such as bitcoin (BTC), Fuyuan coin (FTC), Wright currency (LTC), etc. bitcoin is an electronic currency proced by open-source P2P software. Some people also translate bitcoin as "bitcoin", which is a kind of network virtual currency. It is mainly used for Internet financial investment, and can also be directly used in daily life as a new currency.
China does not have the first legal virtual currency. At the end of 2013, the central bank and other five ministries and commissions issued the bitcoin risk notice, which clearly defined bitcoin as a special Internet commodity, and the public can buy and sell it freely on the premise of taking their own risks
other digital confidential currencies are also suitable, such as Laite coin, the ancestor of Shanzhai coin, Fuyuan coin for business points in jewelry instry, dog coin for small reward, etc. But although virtual currency exists legally in our country, it is illegal to cheat under the guise of virtual currency
extended data
as the proct of e-commerce, virtual currency has begun to play an increasingly 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
fraud
the private transactions of online virtual currency have realized the two-way circulation between virtual currency and RMB to a certain extent. The activity of these traders is to buy all kinds of virtual currencies and procts at a low price, and then sell them at a high price to earn profits. With the increase of such transactions, there are even virtual mints
in addition to the virtual currency provided by the main company, there are also some people who specialize in "virtual coin making" to obtain virtual currency by playing games and then resell it to other players. Take Wenzhou as an example, there are about seven or eight such "virtual mints" with four or five hundred practitioners. This not only creates a bubble for the price of the virtual currency itself, but also causes trouble for the normal sale of the issuing company. It also provides a platform for selling and collecting money and money laundering for various cyber crimes. p>
impact system
in modern financial system, the issuers of money are generally central banks, which are responsible for the management and supervision of money operation. As the equivalent exchange goods used to replace the real currency circulation on the Internet, the virtual currency on the Internet is essentially the same as the real currency. The difference is that the issuers are no longer central banks, but Internet companies
if the development of virtual currency makes it form a unified market, each company can exchange with each other, or virtual currency is integrated and unified, and all of them are based on the same standard and price, then in a sense, virtual currency is currency, which is likely to form a threat impact on the traditional financial system or economic operation
network problems
in addition to direct cash, virtual currency can also be purchased by SMS, internet transfer and fixed telephone recharge. These ways of purchase not only provide convenience for users, but also have many risks
such as embezzlement of telephone recharge and purchase by minors. In addition, virtual currency does not have the anti-counterfeiting technology of real currency. Computer hackers may use its security loopholes to proce counterfeit currency. Relevant personnel of the State Administration for Instry and Commerce said that virtual currency transaction is a business behavior derived from the Internet era, and there are no clear legal provisions to regulate it, and there are no items related to virtual goods transaction in the scope of instrial and commercial registration
but when the virtual property transaction graally employs people, places are fixed, transaction profits are clear, and has the nature of operation, it may involve market order and tax issues. Even game operators have no ability to control. There are a large number of "counterfeit banknote makers" in the network. Take the winger who is mainly engaged in chess and card online games as an example, the purchasing power of his online currency has shrunk by nearly 40% in one year. Many people point out that such inflation will only damage netizens and make them lose confidence in the Internet
reference source : network virtual currency
however, virtual currency exists legally in our country. At the end of 2013, the central bank and other five ministries and commissions clearly defined bitcoin as a special Internet commodity in the bitcoin risk notice, and people can buy and sell it freely at their own risk. Other counterfeit currencies have been on the road of legal development. For example, Ruibo has been seeking cooperation with the government and banking institutions, while Fuyuan has been registered in California.
the format of the transfer contract is:
Party A: (signature, address, ID card, etc.)
Party B: (signature, address, ID card, etc.)
specific terms:
name, existing form, existing location, value, etc.
delivery method Dispute resolution can be expressed in different points
at last, both parties sign and take effect< There are four ways to obtain virtual currency:
1. Purchase or subscribe on the trading platform. The subscription currency is risky and needs to be cautious
2. Get virtual currency through mining, bitcoin, Leyte, dogcoin and other cryptocurrencies are all
3. Companies such as Microsoft and Dell accept bit payment by selling goods or services in exchange for virtual currency
4. Get virtual currency rewards by purchasing goods, similar to business points, such as buying jewelry to get Fuyuan coin.
diamond and rust jonbaya
My God! Your phantom appears again
but it's not unusual
just because of the full moon tonight, you happen to call
I'm sitting here on my mobile phone
listening to my familiar voice, it was a few light years ago
as if falling down continuously
vaguely remember that your eyes are bluer than robin's eggs (note)
you said that my poem is terrible
& quot; Where are you calling from& quot;< br />" At a phone booth in the Midwest
ten years ago, I bought cuff links for you, and you also gave me some things.
we all know what memories can bring us.
they give us diamonds and rust.
when you suddenly appear in front of me, you are already a legend.
a phenomenon that can't be guarded against.
a real tramp, you drift into my arms,
and your stay, Like a short voyage on the sea
with the blessing of the virgin
to protect you from being hurt
now, I see you standing in the yellow leaves
your hair covered with snow
you smile,
in front of the window of the hotel overlooking Washington Square
you and I exhale like white clouds
condensing in the cold air
for me
we almost died at that time
now you say to me, You are not nostalgic
so please find another word to replace
you have always been good at playing with words
to make it ambiguous and difficult to understand
because now I just need such ambiguity
everything in the past is too clear
Yes, I love you deeply
if you give me diamonds and rust again
I will tell you that I have paid a price, When they come into contact with old Western songs, there are several pieces that they can't do. On the one hand, they can practice their playing skills. On the other hand, they have beautiful melodies that last for a long time< After Joan Baez, an American folk song, there are several such works handed down from generation to generation, such as "Donna, Donna", "the night they drop Old Dixie Down" and "diamonds and rust". Among them, "diamonds and rust" is a more difficult piece
Joan Baya has a clear, pure voice and mature skills. Many famous composers are willing to provide her with works to sing, so most of her well-known songs are not written by herself. "Diamonds and trust." is the most well-known one of her own songs
the lyrics of this song are lengthy and the images are complex, so many people can't understand the meaning even after looking up the new words in English. The reason is that the lyrics are about a personal relationship with Joan Baya< In the 1960s, she met Bob Dylan, later known as "the father of folk rock" and the most famous work was "blowing in the wind". They both cherished each other and appreciated each other's talents, so they had a secret love affair
the relationship ended in nothing. In 1975, Joan Baya wrote this song, which is based on the feelings of her teacher and friend. Later, "diamond and rust" is also considered to be her best composition
in English, "diamond" is often compared to "good things in memory". There is a song called "some days are diamonds, some days are stones." its metaphor is similar, while "rust" and "stone" are used to refer to "bad things in memory".
recently, the hot topic on the Internet is whether Tencent q-coin belongs to currency or not, and whether it has the property of currency in reality. The argument about whether the nature of virtual currency will "impact the RMB financial market" has been widely debated, while the argument from Internet authorities is that electronic virtual currency will not impact the financial order of RMB, And these so-called virtual currencies in the network only have the attribute of commodity, but not the attribute of currency
just when people were hot on virtual currency, CCTV's focus talk launched a program last week, which exposed the suspected gambling of "China game center". It seems that this incident is to expose the suspected gambling of the website. In fact, it is the emergence of virtual electronic currency that makes people participate in this and other, In this program directly or succinctly said China Telecom, Tencent QQ coin and other things, but as long as people who have played before know, Tencent QQ games, most of the games are related to the gambling of game currency, and these games, players will easily seek huge profits. This gambling game is very simple, the author has participated in such a similar game, as long as contact a few familiar friends, mutual understanding of each other's cards, and then wait for the automatic hook, so that one day, you can win a lot of game currency, and then converted into Q currency, at the end of the official price to find the next home, to win benefits. This is the easiest way to do it. There is another way to play it. Although I didn't participate in it personally, I learned from my friend that one of my friends once said that he used to play against landlords, and he could win hundreds of yuan each time...
on the Internet, you can buy game equipment with virtual currency, and even use it to pay for anti-virus software and vote for super girl. But these are only official channels. In private, some people use them to gamble, while others hoard them to buy and sell at a low price. Virtual currency is replacing some functions of the RMB, but it is not issued by the central bank or regulated by the government. The emergence of virtual currency is originally for the convenience of online shopping, but excessive issuance will also bring inflation in the online world. What is more difficult to prevent is the emergence of counterfeit money. Hackers need to move their fingers, which is much easier than procing counterfeit money in real life
but these are not the biggest risks. When more transactions in real life can be paid with virtual currency, the circulation speed of RMB becomes the object of its direct influence. The virtual currency is slowly going along with this trend, when the regulatory agencies set up "online banking" has become a thorny problem. In fact, the virtual currency is not a mystery, it is like the voucher of the shopping mall, but the latter has already had regulatory measures, and the virtual currency has never been. However, it is still too early to describe the impact of virtual currency on RMB as "severe shock". In the international market, online game players even set up online banking to build a financial empire with virtual currency. Compared with them, the netizens who play QQ currency are just beginning. A month out of thin air to pay more than 600 yuan of telephone charges, check the phone bill only to find that it is the children at home with the phone to buy Q coins to play games
Tencent's q-coin has brought huge economic benefits to Tencent itself, but at the same time, Lao Ma should think about how to regulate it now? As for how much economic benefits Tencent's q-coin has brought to the old horses, I don't think I need to settle this account
at present, the government has begun to study how to deal with virtual currency. Next year, it will start to supervise virtual currency. Once the supervision is over, large websites can continue to change their patterns, so what should small websites do? How much challenge does electronic virtual currency face
we are looking forward to it
satisfied
have a good time.