Is Evergrande financial services blockchain safe and reliable
When you are complacent that you are a cardholder and can spend "invisible money" to travel around the world, do you think you may be a laggard? Yes, you are out of date. Electronic money has been quietly rising. People can "download" their own "currency" at home and store it in the hard disk temporarily. People can download "e-money" from the Bank of deposit through the Internet anywhere, and then spend money on the Internet through the online system; You can also use e? E-cash is "sent" by email. The bank card is only a kind of "access proct" of e-money, and it is only one of the carriers of e-money
The essence of physical money is commodity, and the essence of paper money is the value symbol representing commodity. From physical money to paper money, it realizes the first digitization, instrumentalization and symbolization in the history of money, and from paper money to electronic money, it makes money further instrumentalization and symbolization. Moreover, e-money will eventually become the information of money, which is no longer a commodity, but represents a commodity; It no longer has value, but it represents value; It is a group of numbers, a symbol, a tool and a kind of information Since the 1970s, check and cash payment methods have graally transferred their dominant position to bank card. With the deepening of the application of computer network technology in banks, banks have been able to use computer network to further transform "cash flow" and "bill flow" into "data flow" in computers. In the bank computer network system, funds are transferred and transferred in a way invisible to human eyes, which is a modern payment method launched by the banking instry. This kind of fund which is stored in the computer (or various cards) in the form of electronic data and can be used through the computer network is more and more widely used in e-commerce, which is e-money Electronic money is based on computer technology and network communication technology. It is converted by the legal tender of the state at the ratio of 1:1 and stored in the electronic equipment of the issuing institution or the smart card issued by it in the form of encrypted electronic data. It can be used between units and indivials to realize commodity transaction and labor settlement and gift within a certain range, The means of payment to complete the transfer of funds The emergence of e-money facilitates people to go shopping and consumption. Nowadays, electronic money is usually transmitted on the private network, and is processed by ATM machines in banks, shopping malls and other places to complete the operation of money payment. With the development of Internet commercialization, the online financial service of e-commerce has begun to spread all over the world. Online financial services include people's various needs, such as online consumption, family banking, personal finance, online investment and transaction, online insurance, etc. These financial services are characterized by timely electronic payment and settlement on the Internet through e-money, so that people can complete shopping and consumption activities anytime and anywhere and make monetary paymentthe family system with many members
the so-called "e-money" has a very wide range, such as credit card, savings card, debit card, IC card, consumption card, e-check, e-wallet, network currency, smart card, etc., including almost all the electronic payment tools and payment methods related to funds. According to statistics, there are mainly four types of domestic popular electronic currency:
one is stored value card electronic currency. Generally, it appears in the form of magnetic card or IC card. Besides commercial banks, it is also issued by telecommunication departments (ordinary telephone card, IC telephone card), IC enterprises (network card), commercial retail enterprises (various consumption cards), government organs (internal consumption IC card) and schools (Campus IC card). After the issuer receives the customer's funds in advance, it issues the equivalent stored value card, which makes the stored value card a new "deposit account" independent of the bank deposit. At the same time, the stored value card in the customer consumption to dect payment, which is equivalent to the deposit account payment currency. At present, the deposits in the stored value cards are not included in the central bank's reserve requirements. Therefore, the stored value cards can rece the demand for cash and current savings
the second is credit card applied electronic currency. It refers to the credit card or quasi credit card issued by commercial banks, credit card companies and other issuers. The loan can be consumed within the credit limit specified by the issuer, and then the repayment can be made at the specified time. The widespread use of credit cards can expand consumer credit and affect money supply
The third is the deposit utilization e-money. They are mainly debit cards, electronic checks, etc., which are used to withdraw cash, transfer settlement and transfer funds from bank deposits in an electronic way. The widespread use of this kind of electronic payment method can rece the cost of consumers to and from the bank, rece the balance of cash demand, and speed up the circulation of money The fourth is cash analog electronic currency. There are mainly two kinds: one is e-cash which is based on the Internet environment 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 system. This kind of e-money has the characteristics of anonymity of cash, can be used for payment between indivials, and can change hands many times. It is developed for the purpose of replacing entity cash. The expanding use of this kind of electronic currency can affect the currency issuing mechanism, rece the seigniorage income of the central bank, and rece the scale of assets and liabilities of the central bank Electronic money can be used in the fields of proction, exchange, distribution and consumption; It integrates savings, credit, cash and non cash settlement; It is easy to use, safe, rapid and reliable. Compared with traditional currency, electronic currency has incomparable advantages: first, it is fast and convenient. Kaki electronic currency is small in size, light in weight and easy to carry and keep. The use of bank e-money can be operated by tellers or customers themselves; When non bank e-money is used, payment can be completed with a touch on the card reader; No matter how far away the buyer and the seller are, an e-mail with the buyer's e-money can reach the seller's mailbox in a few seconds, and the seller can deliver the goods after confirmation, and the whole transaction is completed. Compared with traditional currency, once confirmed, electronic currency can complete the transaction process without manual identification and whole point bundling, which is more time-saving and faster than traditional banking business. In theory, e-money is a single currency in line with the Internet standard. No matter which country you are in, the relative value of e-money on the Internet should remain unchanged. The development of e-money can simplify the complicated proceres of traditional currency in international exchange Second, it is reliable and safe. The reliability of electronic money is also much higher than that of traditional money. Super smart card can realize its unique identity through the global unique serial number solidified in the chip; The dynamic password of online banking ensures the high privacy of business operation; This is in sharp contrast to the rampant phenomenon of counterfeit money. In the cases of theft, snatch and robbery, cash has always been the preferred target of criminals, because it is difficult to achieve the corresponding relationship between cash and the holder. The electronic currency can realize the corresponding relationship with the holder, which increases the difficulty of realization after the successful crime. Compared with all kinds of crimes in the real world targeting at traditional currency, the intelligent crimes of network hackers are very few after all, so the storage and use of information-based electronic currency is much safer than physical currency The third is low cost. As the physical carrier of e-money is electronic procts, unlike traditional money, which is made of metal and paper, its service life is much longer than that of traditional money, and it also saves a huge amount of escorting, storage and finishing costs. The operation cost of Internet banking is lower. The e-commerce supported by Internet banking has crossed the middleman link under the traditional marketing mode, greatly reced the transaction cost, and customers can obtain high-quality procts and services at a lower price. Compared with the traditional settlement method, e-money saves a huge amount of social wealth. It is said that the cost of printing and destroying banknotes and transferring banknotes between banks in the UK is as high as 2.5 billion pounds every year. In the United States, more than 40 billion cheques are filled in every year. The cost of traditional currency circulation in China is even more amazingirresistible development trend
since the birth of e-money, its development momentum is very strong, and the international monetary theorists even call it "the second monetary revolution since the medieval European legal currency replaced the coinage". The currency payment smart card, first invented by the French and first applied by the Japanese, has rapidly spread to all over the world with the unique impact of high and new technology. This currency carrier with high-tech content is very friendly to work hand in hand with traditional currency to jointly promote the development of commodity economy. As a means of payment with stored value, it is quietly rising in urban public transportation, telecommunication instry, large supermarket and campus. It has become an indispensable means of payment in many fields of people's daily life
with the technological progress and application of e-money procts, various e-money procts have been widely recognized by the public in China's major cities. Especially in recent years, in order to rece operating costs, commercial banks in various countries want to set up a magic force to promote the expansion of e-banking business. With the rapid growth of China's bank card issuing volume, transaction amount, acceptance terminals and special merchants, more and more bank customers have taken the initiative to choose electronic payment without guidance; Non bank e-money is in the ascendant, and its application field is expanding rapidly, especially the "one card" e-money, with its unique advantages of convenience, is favored by people. It can be predicted that in the near future, it will rapidly spread to small and medium-sized cities all over the country. Online payment business has been highly regarded among young people. The use of Alipay and foreign exchange treasure has become the fashion of urban youth. It is an irreversible trend that electronic currency can replace traditional currency to the maximum extent
under the e-money system, as e-money will eventually become a digital and information-based monetary tool used by the whole world, e-money will fully realize the world monetary function of money, and mankind is expected to realize the dream of unified currency
According to the time of issue, the coin collectors generally believe that the red currency can be divided into three types: "Soviet currency", "anti currency" and "regional currency"“ Soviet coins were issued ring the first and second civil revolutionary wars. During the Anti Japanese War (July 1937 August 1945), the Anti Japanese base areas established under the leadership of the Communist Party of China issued a wide range of currencies, collectively known as "Anti Japanese currency". According to incomplete statistics, at that time, 19 Anti Japanese base areas, including Shanxi chaji, Shanxi Hebei Henan, Shanxi Suizhou, Shandong, central China, South China and QiongYa, issued Anti Japanese coins. During the war of liberation, the governments of the northwest, North China, East China, Northeast China, Inner Mongolia, Central Plains, South China and other liberated areas also issued various currencies, collectively known as "regional currency"
The name of this coin is the eight trigrams of the zodiac. There are mainly two periods of this kind of coin:
1. If this kind of coin has a square hole in the middle, it belongs to the Ming Dynasty and the early Qing Dynasty
If there is a round hole in the middle of the coin, it is common after the middle of the Qing Dynasty
the eight trigrams of the Chinese zodiac are mostly used as commemorative coins in modern society. Its cultural value and collection value are high, which fully reflects the ancient folk customs and the spirit of the ancients, and has high investment value and collection value
It is a revolutionary cultural relic with high value and profound historical significance; At the same time, it is also a rare object for Archaeology and the study of Chinese history and culture. But at present, most of the people in circulation on the market are fakes, and the imitation technology is excellent, so it is difficult to distinguish the true from the false. Collectors must carefully identify before collectingextended materials :
spending money in Qing Dynasty belongs to folk money. Folk money is said to have originated in the Han Dynasty. The money cast by the people for some special purposes such as exorcism and auspiciousness did not enter the circulation basin. It can be said that it is a vivid folk "copper engraving"
the Ming and Qing Dynasties were the heyday of spending money, and the overall stock was very small, which was a good proct for personal wear and investment collection. Most of the money is handed down in bronze color, which has been handed down from generation to generation. Most of the twelve zodiac coins were made in the Qing Dynasty. On the front is the twelve zodiac, corresponding to the twelve local branches. On the back is the eight diagrams, which were also used for divination
Although spending money can not be consumed, it is a part of ancient folk customs with its high artistic value, rich connotation of auspiciousness and inextricable relationship with ancient money. The rich content in the book is the epitome of the folk customs of different generations; The connotation of auspiciousness represents the ancients' yearning and blessing for a better life, which is of great collection valueLearn from the following points:
1. Is the platform reliable? Not only the registered capital, but also the instry reputation. For example, the background of Ping An Group is better
Who is the financing party? Is it an indivial or a business3. What exactly is financing used for? Is financing used to buy a car or a house, or is it not clear what it does
What is the legal relationship provided by the platform? Is it the transfer of bonds, the transfer of earning rights, or the transfer through the exchange? Does it meet the relevant legal provisions, such as the 200 person limit of exchange procts. Or is it similar to the semi gray area "entrusted financing" mode of lufax How to ensure the safety and transparency of investors? Including trusteeship bank, regulatory bank, Financier information disclosure, whether there are guarantee or insurance measuresthe China Internet Finance Association was first established under the leadership of the central bank, China Banking Regulatory Commission, China payment and Settlement Association and China Securities Regulatory Commission. It is reported that among the first batch of more than 400 members, 142 traditional financial institutions and Internet finance companies have become candidate directors. Among them, there are 19 online lending platforms, including lufax, Yixin, paipai, Renren, Kaixin, HEPAI online, goucai, Zhangzhong, Wangxin, Jiufu, Dezhong, dianrong, dongfanghui, souyidai, Evergrande financial services , bangbangtang, Shoujin, Dongwu online and Chengman fortune Details: https://www.hu.com/question/41764522
first of all, Alipay is very mature now, and the interest is also good. Its financial management is also more formal.
Hengda gold service is a website like P2P. I just used it. 1, the novice exclusive income written on the website is only written by 10%. But the website did not withdraw this gimmick, so there are false advertisements; 2. The customer service call has been busy for a long time. The website content design is too unprofessional and inconvenient for customers to understand. It's worse than the second rate P2P website. The customer experience is poor. It may be that the house has been sold too much. Get used to the seller's thinking, but it hasn't changed.
the income of the financial platform itself is better than many financial procts, but the risk is also quite high. For beginners, it is recommended that you rece the amount of investment in one platform, and then choose multiple platforms to invest together, so as to effectively rece the investment risk and obtain higher income
don't put eggs in one basket, which has always been the wisdom of investors at home and abroad!
warm tips: please read the proct manual carefully before purchasing.