Audit office virtual currency

1.

Digital money is legal

digital currency itself is legal in China. Digital currency is defined as Internet goods in China, but the relevant supervision is still blank, and digital currency is still in the gray area in China. Well known digital currencies include bitcoin, Leyte coin, Ruitai coin, thousand gold card, dog coin, etc

however, there are also some non developers who use the cover of digital currency to carry out pyramid schemes, such as the Vicat scheme, treasure scheme, Porter scheme and so on

development materials:

digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency

2.

Background: the financial application of blockchain technology brings high investment value

2018 China international big data instry Expo opened in Guiyang City, Guizhou Province on the 26th. At the meeting, it was pointed out that China will vigorously develop the digital economy in the future, deeply implement the action plan for the development of big data and cloud computing, and deeply study blockchain technology and application. Especially in the field of finance, the landing application has become the focus of the scientific and financial circles

1. The value source of blockchain is that it can perfectly solve the pain points of the current financial instry:

in today's asset securitization, insurance, supply chain finance, commodity trading, asset custody and other financial scenarios, e to many participants, high cost of credit evaluation, low settlement efficiency of intermediary institutions and other reasons, Traditional financial service methods are difficult to effectively solve the long-standing core pain points in the instry, such as information asymmetry, complex and rendant processes, and high information verification cost

2. Why can blockchain solve the above pain points:

blockchain technology integrates many basic technologies, such as distributed accounting, tamper proof, built-in contract, etc., and constructs a trust building mechanism with lower cost. The financial application based on blockchain technology can realize the ability of all market participants to obtain all transaction information and asset ownership records in the market without discrimination, and effectively solve the problem of information asymmetry; Smart contract embedding reces the error rate of payment and settlement, simplifies the process and improves efficiency; At the same time, based on transparent information and brand-new trust mechanism, there is no need to spend manpower, material resources and financial resources to confirm information among participants, which will greatly rece the trust cost between institutions, and then rece the price of financial services and transaction costs

3. The application of blockchain technology in the financial field mainly includes the following aspects:

① digital currency

among which bitcoin is the most famous. On the basis of bitcoin, a large number of other types of decentralized digital currencies have been derived. Such as: the heyday of bits

Compared with the traditional payment system, blockchain payment can directly carry out end-to-end payment for both parties without the help of the banking system, which can greatly improve the speed and rece the cost

③ digital bills

④ bank credit management: the advantage of blockchain is that it can rely on program algorithm to automatically record credit related information and store it on every computer in the blockchain network, with transparent information, tamper proof and low cost

The major financial institutions and exchanges in Europe and the United States have explored the application research of building the next generation of financial asset trading platform based on blockchain technology

4. The development prospect of blockchain. The future development of blockchain technology will have the most vitality with alliance chain as the entry point, and will have a significant effect and far-reaching impact on the transformation of traditional financial instry pain points

in response to the good investment prospects of blockchain, domestic enterprises such as Alibaba, Jingdong and Netcom have entered the market. The application of financial scenarios based on blockchain technology not only brings us security and convenience, but also provides us with broader investment space. The rise and price surge of digital currency represented by bitcoin (bitcoin was about RMB 20 cents when it was first listed in 2009, and its current price is about US $7300!) It's the best proof that people with a keen sense of smell have made a lot of money from it

Abstract: This is an encrypted digital currency based on the bitcoin developed by Nakamoto Tsung, which improves and adds many new functions, such as the double-layer reward system network, also known as the main node network. It also includes anonymous payment to improve the interchangeability (bitage) and real-time payment function docking to realize real-time transaction confirmation without relying on the authority of the center (P2P mall)

In 2009, Nakamoto put forward the concept of bitcoin. Since then, bitcoin has spread rapidly in mainstream applications and commercial uses, becoming the first digital currency to attract a large number of users, which is a milestone in the history of digital currency. However, from the perspective of completing the transaction, we can find an important problem, that is, it takes too long for bitcoin block to confirm the transaction. Traditional payment companies have found a solution to enable the buyer and the seller to realize zero confirmation of bitcoin transaction, but this solution usually requires a trusted third party to complete the transaction outside the agreement

bitcoin provides pseudonym transaction, realizes the one-to-one transaction relationship between sender and receiver, and can always record the transactions occurred in the whole network. Bitcoin only provides low-level privacy protection, which is well known in academia. Despite this deficiency, many people still believe in the transfer history recorded by blockchain

based on Nakamoto's achievements, bitshengshi is an encrypted digital currency with the purpose of protecting privacy. We have made a series of improvements on the basis of the concept of bitcoin, resulting in a decentralized cryptocurrency with good anonymity. It supports tamper proof real-time transactions, and has a point-to-point sub network that can provide service reward system for bitsheng network

2. Master node network

the whole node is the server running on the P2P network, so that small nodes can use them to accept the dynamic changes from the whole network. These all nodes need significant traffic and other resources that consume a lot of cost. Therefore, it will be observed that the number of these nodes on the bitcoin network presents a steady downward trend over a period of time, so that the block broadcast time needs an additional 40 seconds. In order to solve this problem, many solutions have been put forward, such as the introction of Microsoft Research's new incentive plan and bitnodes incentive plan

Figure 6: mining reward model

3. 1. Real virtual currency limited no additional issue
2. The real virtual currency must be traded on the international trading platform and can be realized
3. The real virtual currency has open source code! Have your own independent wallet! Each coin has its own code and value
4. Real virtual currency can be mined by mining machine! It has its own specific algorithm
5. Real virtual currency can be exchanged with bitcoin and US dollar
6. Real virtual currencies can be exchanged!

4. Borrow 20000 yuan from this loan platform, but the loan goes to the wallet. The other party requires that the member can withdraw cash. If you sign a loan contract, there is no such agreement. I don't think you need to open a member. You can complain about the online loan platform

If a small loan company complains, it can do so

at the beginning of its establishment, the small loan company was enthusiastic, but in the actual operation, it was often embarrassed and fell into the dilemma of further development. Now let's explain to you whether the small loan company is a legal company and whether the small loan company is supervised by the government. I hope it can help you< Is a small loan company a legal company<

small loan company is an independent legal person approved by the competent department of the provincial government and obtained a business license from the instrial and commercial department. It does not need to obtain a financial business license, so it does not belong to a financial institution. However, small loan company operates currency and loans, but performs the functions of a financial institution, In this way, the identity of the small loan company is embarrassed, and the small loan company has the following disadvantages:

1. The deposit in the bank is only executed according to the current deposit interest rate of general instrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises, and the interest rate of deposit in the central bank is not high

2. When financing from banking financial institutions, they can not enjoy the preferential interbank offered rate, and can only implement according to the loan rate of general enterprises, so the financing cost is high

3. Because small loan companies are not financial institutions, it is not concive to the maintenance of their financial claims

4. Because small loan companies are not financial institutions, they can neither enjoy the preferential tax policies of financial institutions, nor enjoy various financial subsidies for rural financial institutions, but they have to pay taxes as ordinary enterprises, resulting in the heavy tax burden of small loan companies. According to the survey, at present, small loan companies generally pay 5.56% business tax and surcharges 25% enterprise income tax, 1.5% price control fund and 0.15 ‰ stamp tax< Second, does the government supervise the small loan companies<

according to the relevant provisions of the guidance, small loan companies do not belong to banking financial institutions, and the provincial government specifies a competent department to be responsible for the supervision and management of small loan companies, which leads to two situations:

1. Generally, there are financial offices in the provincial government for supervision, and financial leading groups at the municipal and county levels for supervision. As the leading group of financial work is a non established organization, which is sponsored by the government, and composed of the heads of the people's Bank of China, the banking regulatory department, the instrial and commercial department, the financial department, the tax department, the audit department and other departments, the virtualization problem of "multi supervision" turns into "no supervision" in the end

2. The situation is that the people's Bank of China and the banking regulatory department are not directly responsible for the supervision of small loan companies, so when the above two departments monitor and count the interest rate, loan investment direction and capital flow of small loan companies, the attitude of small loan companies is not positive, and the phenomenon of inaccurate data and untimely data submission often occurs

if you encounter a small loan company cheating, you can complain to the local financial office or the local banking regulatory bureau<

those who meet the following conditions can complain to the company:

1

2

3. The staff of a small loan company use illegal means to collect debts or instruct others to collect debts illegally< 4. The actual interest rate of the loan extended by the small loan company exceeds the upper limit of the judicial interpretation or is lower than the lower limit of the loan interest rate announced by the people's Bank of China

5< 6. Small loan companies have off account operations

7. A small loan company makes loans to its shareholders and instries that are explicitly prohibited by the instry authorities< Small loan companies are engaged in illegal operations, such as external guarantee business, cross regional operation, business beyond the scope of business, and issuing large loans in excess of proportion

9. Other behaviors prohibited by laws, regulations and the competent authorities<

extended information:

if you encounter the following problems when applying for online loan, you can complain to the loan company:

1. Improper collection: violent collection, exploding address book, door-to-door beating, insulting, etc.

2. Abnormally high interest rate: routine loan Usury

3. Invasion of personal privacy: personal phone calls or personal information are distributed, resulting in personal reputation damage

4. Repeated credit: no risk control, free lending

5. Dection of interest and insurance premium when lending

6. How much money are you asked to transfer directly after the money is recorded

7. High penalty interest

5. The earliest designer of China's virtual currency blockchain is Mr. Zhang Ronghuan. You can go online: Zhang Ronghuan's gene of digital economy indicates that bitcoin blockchain mode is the gene of digital economy in the top-level design of ecological civilization.

6.

Of course, we can, but what we need to register is a public non-profit company. If it's an ordinary private limited company with the word "foundation", we can't help it

if you want to issue virtual tokens in Singapore formally and legally, legal opinions are also indispensable

there are two reasons:

1. without this document, you are not allowed to enter the stock exchange

2. the HKMA will check you

< / OL >

speaking of this, it is suggested that you choose a formal agent to register the compliance foundation, because it will directly affect the price of the later legal opinions, and the price difference will be enough for you to re register a foundation. Before registration, ask clearly and consider it comprehensively

7.

In virtual currency transactions, security problems occur every day. Blockchain technology can ensure that all transactions will not be tampered with, but central transactions using virtual currency are vulnerable to hackers

conclusion:

this is to remind investors that virtual currency investment and trading are not protected by law. Anyone who tries to cross the red line should not take any chances by using virtual currency; Money laundering; Our behavior will be severely punished by law

8. Payment in advance, to the next money is absolutely fraud software. If the damage has been caused
first, keep calm and determine the loss.
after encountering Internet fraud, try to keep calm and not panic. First of all, determine your losses, such as money, goods, etc. if you can, make a list of losses for reporting If the cheated property is game props, game currency account and other virtual items, please contact the administrator of the game, software or website first.)
Second, call the police as soon as possible to prevent the second time being cheated
after confirming the loss, call the police as soon as possible, and never contact the network fraudster again to prevent the second time being cheated. Some victims are eager to recover their losses. Without reporting the case, they contact the Internet fraudsters in private. They even believe the lies of refund and return of goods provided by them. They are cheated again, which further expands the losses< Third, we should try our best to stop the loss as soon as possible. If it is an online banking fraud and the information of the fraudster's account bank and account number is saved, you can immediately log in to the online banking and telephone banking of the other party's account bank, enter the other party's account number and deliberately enter the wrong login password for three times, so that the other Party's online banking transfer and telephone banking transfer functions will be frozen for 24 hours. Delay the time for swindlers to transfer the stolen money, and strive for valuable time for contacting the bank and reporting to the police for further stop loss work< Fourth, collect evidence and keep it properly.
Internet fraudsters usually contact the victims through the media, such as QQ, SMS, e-mail and online games. First of all, the victim should keep all evidence and transaction records, preferably bank transaction records, as well as online chat records and contact information of the other party< 5. Choose the right place to report the case
the victim can report the case to the place where the crime happened, the place where the fraud was carried out, the place where the fraud results occurred and the place where the suspect lives. That is to say, you can choose to report to your place. If you know where the suspect is, you can report it to your place. Any one of the two sides of the police should accept the case after receiving the report. Some victims feel remorseful and ashamed because of the Internet fraud, and rarely report the case, or even report the case, they conceal the facts of the case, which will make it more difficult for the public security organs to solve the case. In order to catch the suspect as soon as possible and recover the loss, please report the case to the police after reporting the case.

9. It's a fraud to apply for a loan on the platform, so you can go to the CBRC to complain. Any violation of the loan platform can be complained

about complaint loan platform

at the beginning of its establishment, the small loan company was enthusiastic, but in the actual operation, it was often embarrassed and fell into the dilemma of further development. Now let's explain to you whether the small loan company is a legal company and whether the small loan company is supervised by the government. I hope it can help you< Is a small loan company a legal company<

small loan company is an independent legal person approved by the competent department of the provincial government and obtained a business license from the instrial and commercial department. It does not need to obtain a financial business license, so it does not belong to a financial institution. However, small loan company operates currency and loans, but performs the functions of a financial institution, In this way, the identity of the small loan company is embarrassed, and the small loan company has the following disadvantages:

1. The deposit in the bank is only executed according to the current deposit interest rate of general instrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises, and the interest rate of deposit in the central bank is not high

2. When financing from banking financial institutions, they can not enjoy the preferential interbank offered rate, and can only implement according to the loan rate of general enterprises, so the financing cost is high

3. Because small loan companies are not financial institutions, it is not concive to the maintenance of their financial claims

4. Because small loan companies are not financial institutions, they can neither enjoy the preferential tax policies of financial institutions, nor enjoy various financial subsidies for rural financial institutions, but they have to pay taxes as ordinary enterprises, resulting in the heavy tax burden of small loan companies. According to the survey, at present, small loan companies generally pay 5.56% business tax and surcharges 25% enterprise income tax, 1.5% price control fund and 0.15 ‰ stamp tax< Second, does the government supervise the small loan companies<

according to the relevant provisions of the guidance, small loan companies do not belong to banking financial institutions, and the provincial government specifies a competent department to be responsible for the supervision and management of small loan companies, which leads to two situations:

1. Generally, there are financial offices in the provincial government for supervision, and financial leading groups at the municipal and county levels for supervision. As the leading group of financial work is a non established organization, which is sponsored by the government, and composed of the heads of the people's Bank of China, the banking regulatory department, the instrial and commercial department, the financial department, the tax department, the audit department and other departments, the virtualization problem of "multi supervision" turns into "no supervision" in the end

2. The situation is that the people's Bank of China and the banking regulatory department are not directly responsible for the supervision of small loan companies, so when the above two departments monitor and count the interest rate, loan investment direction and capital flow of small loan companies, the attitude of small loan companies is not positive, and the phenomenon of inaccurate data and untimely data submission often occurs

3. Complaints from the loan platform

if you encounter a small loan company cheating, you can complain to the local financial office or the local banking regulatory bureau<

those who meet the following conditions can complain to the company:

1

2

3. The staff of a small loan company use illegal means to collect debts or instruct others to collect debts illegally< 4. The actual interest rate of the loan extended by the small loan company exceeds the upper limit of the judicial interpretation or is lower than the lower limit of the loan interest rate announced by the people's Bank of China

5< 6. Small loan companies have off account operations

7. A small loan company makes loans to its shareholders and instries that are explicitly prohibited by the instry authorities< Small loan companies are engaged in illegal operations, such as external guarantee business, cross regional operation, business beyond the scope of business, and issuing large loans in excess of proportion

9. Other behaviors prohibited by laws, regulations and the competent authorities

if you encounter the following problems when applying for online loans, you can complain to the loan company:

1. Improper collection: violent collection, phone book explosion, door-to-door beating, insult, etc

2. Abnormally high interest rates: routine loans, usury

3. Invasion of personal privacy: personal phone calls or personal information are distributed, resulting in personal reputation damage

4. Repeated credit: no risk control, free lending

5. Interest and insurance premium are dected when lending

6. After the money is recorded, you are asked to transfer it directly

7. High penalty interest.

10. When you make a loan on this platform, you pay 139 yuan, saying that you can make a payment in 30 minutes, but you don't make a payment in five days. Then you can complain about this loan platform to the CBRC
complaint loan platform
at the beginning of its establishment, small loan companies were enthusiastic, but in the actual operation, they were often embarrassed and fell into the dilemma of further development. Now let's explain to you the complaints of the loan platform, whether the micro loan company is a legal company, and whether the micro loan company is supervised by the government departments. I hope it can help you

I. complaints from the loan platform

if you encounter a small loan company cheating, you can complain to the local financial office or the local banking regulatory bureau<

those who meet the following conditions can complain to the company:

1

2

3. The staff of a small loan company use illegal means to collect debts or instruct others to collect debts illegally< 4. The actual interest rate of the loan extended by the small loan company exceeds the upper limit of the judicial interpretation or is lower than the lower limit of the loan interest rate announced by the people's Bank of China

5< 6. Small loan companies have off account operations

7. A small loan company makes loans to its shareholders and instries that are explicitly prohibited by the instry authorities< Small loan companies are engaged in illegal operations, such as external guarantee business, cross regional operation, business beyond the scope of business, and issuing large loans in excess of proportion

9. Other behaviors prohibited by laws, regulations and the competent authorities

if you encounter the following problems when applying for online loans, you can complain to the loan company:

1. Improper collection: violent collection, phone book explosion, door-to-door beating, insult, etc

2. Abnormally high interest rates: routine loans, usury

3. Invasion of personal privacy: personal phone calls or personal information are distributed, resulting in personal reputation damage

4. Repeated credit: no risk control, free lending

5. Interest and insurance premium are dected when lending

6. After the money is recorded, you are asked to transfer it directly

7. High penalty interest< 2. Is a small loan company a legal company<

small loan company is an independent legal person approved by the competent department of the provincial government and obtained a business license from the instrial and commercial department. It does not need to obtain a financial business license, so it does not belong to a financial institution. However, small loan company operates currency and loans, but performs the functions of a financial institution, In this way, the identity of the small loan company is embarrassed, and the small loan company has the following disadvantages:

1. The deposit in the bank is only executed according to the current deposit interest rate of general instrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises, and the interest rate of deposit in the central bank is not high

2. When financing from banking financial institutions, they can not enjoy the preferential interbank offered rate, and can only implement according to the loan rate of general enterprises, so the financing cost is high

3. Because small loan companies are not financial institutions, it is not concive to the maintenance of their financial claims

4. Because small loan companies are not financial institutions, they can neither enjoy the preferential tax policies of financial institutions, nor enjoy various financial subsidies for rural financial institutions, but they have to pay taxes as ordinary enterprises, resulting in the heavy tax burden of small loan companies. According to the survey, at present, small loan companies generally pay 5.56% business tax and surcharges 25% enterprise income tax, 1.5% price control fund and 0.15 ‰ stamp tax< Third, does the government supervise the small loan companies<

according to the relevant provisions of the guidance, small loan companies do not belong to banking financial institutions, and the provincial government specifies a competent department to be responsible for the supervision and management of small loan companies, which leads to two situations:

1. Generally, there are financial offices in the provincial government for supervision, and financial leading groups at the municipal and county levels for supervision. As the leading group of financial work is a non established organization, which is sponsored by the government, and composed of the heads of the people's Bank of China, the banking regulatory department, the instrial and commercial department, the financial department, the tax department, the audit department and other departments, the virtualization problem of "multi supervision" turns into "no supervision" in the end

2. The situation is that the people's Bank of China and the banking regulatory department are not directly responsible for the supervision of small loan companies, so when the above two departments monitor and count the interest rate, loan investment direction and capital flow of small loan companies, the attitude of small loan companies is not positive, and the phenomenon of inaccurate data and untimely data submission often occurs.