Digital currency Alibaba Tencent pilot
in 2013, China's central bank and other five ministries and commissions issued bitcoin risk notice, which clearly defined bitcoin as a special Internet commodity. People can buy and sell bitcoin freely at their own risk. At present, financial institutions are not allowed to carry out bitcoin related business
at present, the more popular virtual currencies are bitcoin, Laite coin, Fuyuan coin and doggy coin.
Ant technology is almost zero cost financing, through various forms of packaging debt, repeated borrowing, and then irresponsibly lend money to young people who have no ability to repay. This is basically bringing the crazy financial crisis of Wall Street in 2008 to China. The real capital market is changeable and more cruel than you think
ant technology's blood sucking through online loans has been picked out by many people. Zhou Xiaochuan, former governor of the Central Bank of China, also said at the Boao Forum of Asia recently that Internet technology giants controlled a large amount of data and market share, formed a monopoly and hindered fair competition, which led to the decline of Alibaba's share price
if Google can freely use users' personal information in financial business, it can also become the largest lending institution in the world. Google doesn't do it because American businessmen are particularly kind, but American policies don't allow it at all
as vice minister of Finance Zhou Jiayi said at the Bund financial conference, science and technology has not changed the nature of relying on credit to use leverage, supported the development of financial technology, insisted on the improvement of science and technology, prevented financial technology from incing excessive financial consumption, and encouraged the winner take all monopoly
now that the digital currency DCEP of "central dad" is on the way, can ma Yun's wishful thinking work well in the future? Let's wait and see< br />
In early 2014, the Central Bank of China set up a special research group on legal digital currency to demonstrate the feasibility of issuing legal digital currency by the central bank. On January 29, 2017, the central bank officially established the digital currency Research Institute. After the successful development of the prototype of legal digital currency, the digital currency Research Institute of the people's Bank of China has tried to deploy institutions in many parts of the country, and through the integration with R & D institutions and instries, it has achieved the research results of financial development technology. In 2018, the digital currency Research Institute of the people's Bank of China successively settled in Nanjing and Shenzhen. In 2019, the people's Bank of China announced that digital currency will be piloted in Shenzhen, Suzhou, Cheng and xiong'an
01
the research on Shenzhen's support for digital currency began in 2016
{rrrrrrr}
on October 6, 2017, the Management Committee of xiong'an new area held a special meeting to study the big data management system and mechanism and the basic idea of "digital xiong'an" construction, and fully promote the construction of "digital xiong'an". Soon after the meeting, all kinds of enterprises were inspired to build xiong'an new area into a "test ground" for innovation
on October 14, 2017, Peng Yijie, vice president of ant financial services and partner of Alibaba group, and his party went to xiong'an new area to report the blockchain construction plan. Peng Yijie's evaluation of xiong'an new area is: the best soil for building blockchain. On November 8 of the same year, xiong'an New District held a docking meeting with Alibaba group. Alibaba and ant financial services will undertake the construction of digital xiong'an blockchain infrastructure platform, and are expected to take the lead in testing the water in the rental scene
on November 23, 2017, Tencent and xiong'an new area signed a strategic cooperation agreement on financial technology, and both sides established Tencent (xiong'an) financial technology laboratory to test big data risk control system, Tencent cloud based blockchain services and other financial black technologies in the new area
on April 21, 2018, xiong'an New District of Hebei Province issued the outline of the planning for xiong'an New District of Hebei Province, which proposed to develop high-end high-tech instries, and lay out the R & D and test of blockchain, terahertz, cognitive computing and other technologies in advance. Blockchain has been written into the outline of xiong'an New District Planning in Hebei Province. A technology with advanced influence and far-reaching significance begins to grow together with a rising Digital City shouldering historical mission
on June 8, 2018, China Academy of information and communication signed a strategic cooperation agreement with xiong'an new area. The two sides will build a scientific research base in the field of information and communication in xiong'an new area, and provide comprehensive support services such as development strategic planning, standards and policy formulation for the construction of the new area, focusing on 5g, instrial Internet, artificial intelligence, blockchain, network security, military civilian integration, information technology and so on In the field of Internet of vehicles and other fields, Beijing Tianjin Hebei high tech innovation comprehensive service platform and innovation and entrepreneurship demonstration base will be built to promote instrial innovation and development
on June 28, 2018, xiong'an New Area officially signed a strategic cooperation with 360 group. 360 group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields to provide comprehensive network security services for the construction of a safe and reliable "digital xiong'an"
on July 23, 2018, xiong'an group of China signed a memoranm of understanding with consensys, a blockchain technology company. Joseph Rubin, the founder of consensys, etc., made suggestions to xiong'an group of China on how to use blockchain technology, hoping to apply his knowledge and experience in blockchain ecosystem to xiong'an's projects and support xiong'an's innovative development mode
on December 21, 2018, Hebei xiong'an branch of Bank of communications was opened. The branch will rely on the head office's professional R & D team and strong R & D strength, rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms, constantly innovate the financial business model, and make greater contributions to the construction of green xiongan, smart xiongan and digital xiongan
on May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of ICBC, opened its business in xiong'an new area and became the headquarters of banking financial technology company in xiong'an new area. ICBC technology and Management Committee of xiong'an new area signed the memoranm of financial technology cooperation, and Management Committee of xiong'an New Area officially started the operation of xiong'an resettlement fund management blockchain platform, which will apply the block chain technology of ICBC to realize the whole process chain management of original files of resettlement and fund penetrating allocation
on December 25, 2019, Everbright Bank and digital city company of China xiong'an group will jointly build a "digital financial technology laboratory" in xiong'an new area. Guided by the strategic needs and information construction of xiong'an new area, it will graally build a highland of blockchain commercial application research, technological innovation and talent cultivation
on March 31, 2020, xiong'an blockchain laboratory was officially unveiled. Xiong'an blockchain laboratory has three major goals: to become a new highland of blockchain research and application, an open frontier innovation base, and to explore a new model of laboratory economy. At the third anniversary of the establishment of xiong'an new area, xiong'an blockchain laboratory has special significance, which marks that the innovative practice of xiong'an New Area's blockchain has entered the stage of organization and large-scale landing, and marks a new chapter in the synchronous planning and construction of digital city and physical city in xiong'an new area
xiong'an new district is a digital city forest that has been cultivated from the seed, which is naturally suitable for the central bank's digital currency pilot. Shanghai xiongan, Shenzhen, Cheng on the left and Suzhou on the right are looking forward to the central bank's digital currency pilot projects in these four places, which will spread to the world
According to the cloud flash payment red envelope activity launched by UnionPay, the cloud flash payment app has prepared four new year red envelopes: open door lucky red envelope, sign in red envelope every day, invite relatives and friends red envelope, and initiate transfer red envelope. Users can get up to 2018 yuan a day
before, Alipay and WeChat both rolled up their sleeves to prepare for a big fight in the red envelope war ring the Spring Festival. Now the UnionPay with the national team background has brought more expectations to many people. P>
, as a non bank financial service provider, has long time since Alipay avoided regulatory restrictions and extended its services overseas. However, at the end of 2016, Alipay was required to close all offshore financial accounts and have a considerable impact on its Southeast Asian business. p>
and the most popular application of wechat overseas is its own social attribute. In mobile payment, wechat payment has established external partners to jointly develop overseas markets. In South Africa, wechat payment has launched an international payment solution. Users can now use wechat wallet to send and receive money or withdraw cash from ATMs. However, the number of cooperative countries is far less than that of UnionPay partners
as of June 2017, the UnionPay network has spread all over China's urban and rural areas, and has extended to 160 countries and regions outside Asia, Europe, America, Oceania, Africa, etc
compared with the other two, UnionPay's huge number of users has also laid a foundation for its future; First brother & quot; Status. Data show that up to now, China's UnionPay cards have issued more than 5.4 billion cards, and the transaction volume of UnionPay cards in 2016 alone exceeded 38 billion
UnionPay also pays more attention to cardholders going abroad. In 2015, the United States attracted more than 2.5 million Chinese tourists, who spent more than $40 billion locally. Through the development of cooperative relationship in the United States, UnionPay has been able to successfully enter the U.S. market and further increase its overseas market share
UnionPay has said that the acceptance network of UnionPay cards in the United States is tending to be perfect. At present, almost all ATMs in the United States can withdraw cash with UnionPay card, and more than 80% of businesses can pay with UnionPay credit card. In New York, Hawaii, San Francisco, Los Angeles, Orlando, Chicago and other famous shopping centers and outlets business circles, UnionPay card acceptance coverage generally exceeds 90%
UnionPay's international layout
UnionPay began to take its international step in 2004. At the end of 2012, China UnionPay International Co., Ltd. (UnionPay International), a long-standing company, officially opened in Shanghai. As a subsidiary of China UnionPay, it will be responsible for the exclusive business of China UnionPay international
at present, no UnionPay proct can be compared with its international layout. Today, UnionPay has basically achieved global coverage
the data shows that the overseas acceptance network of UnionPay card has covered more than 160 countries and regions. Hong Kong, Macao, Mongolia, Cuba and the United Arab Emirates have basically achieved full acceptance. 80% of merchants in Northeast Asia can use UnionPay cards, more than 70% of merchants in Southeast Asia can accept UnionPay cards, more than 80% of merchants in the United States can use UnionPay credit cards, half of merchants in Europe can use UnionPay cards, and 90% of ATMs and 75% of merchants in Australia can also use UnionPay cards
according to other data, there are more than 10 million overseas online merchants accepting UnionPay cards, and they have graally formed advantages in the fields of ecation payment and air booking. More than 2000 overseas schools support UnionPay card online tuition payment, and the official websites of nearly 40 international airlines support UnionPay card online ticket purchase
the relevant person in charge of UnionPay International said that a series of innovative procts such as UnionPay online payment, UnionPay mobile phone flash payment, UnionPay QR code and UnionPay wallet procts are ushering in richer cross-border application scenarios
It's true. Since the beginning of 2018, UnionPay international and Huawei have signed a cooperation agreement, and the two sides have reached cooperation on jointly promoting the globalization of Huawei pay and speeding up the overseas landing, which is also regarded as an important step in the international layout of UnionPayStandard Bank of South Africa and UnionPay international have reached a cooperation agreement in Johannesburg, South Africa, which will make use of the resources of standard bank to further promote UnionPay payment services in the African market, and standard bank will become the first financial institution in South Africa that may issue UnionPay card qualification
from the perspective of Unionpay's actions, the strategic advantage of UnionPay is its huge outbound China card account, plus its natural & lt; National team; Advantages, as well as the layout of UnionPay in mobile payment, who ignores UnionPay in the future will have to bear the consequences
but theoretically, any bank can! Is a false data can
it's just that it can also be found out. If it is found out, I don't know what to do, bankruptcy
for example, a lot of news shows that when the bank deposits with customers, the bank calls 0 more or less, and some accounts have mysterious flow, etc. Prove that commercial banks can do this (as long as they are not found out).
In today's technology environment, especially in China, there are very good technologies in many payment fields. Especially after several financial payment procts or platforms launched by Tencent and Alibaba, they are also a way of payment that helps many Chinese enterprises. These also bring a lot of convenience to the people of the whole country
we also hope that RMB can continue to develop all over the country in the next few years, which is not only the continuous improvement of China's international status, but also reflects China's scientific and technological progress, which is a new model for financial security procts, and also hopes that other countries can use it for reference to promote the development of global finance
hope to adopt
digital currency electronic payment (DCEP). The emergence of digital RMB will change our lives, and the pilot project in Shanghai has used digital RMB, this kind of digital RMB will slowly change our lives and habits
digital RMB is now being tested, and there is no need to worry about its security. The emergence of digital renminbi will probably change our lives. And WeChat Alipay still needs to pay fees. So digital RMB will definitely change our way of life