The current situation of digital currency in China
the Central Bank of China held a seminar on digital currency at the beginning of this year, and the issue of digital currency by the central bank has been put on the agenda. Some international banking giants and technology companies are also developing digital currency, and the Bank of England also plans to issue digital currency. All this means that digital currency is getting closer to our real life. However, the digital currency issued by the government may be in circulation in the future, but bitcoin, Ruitai currency and vitality currency can only exist as an asset class.
Digital currency is a new technology that can improve the efficiency of transaction, but it is targeted by lawless elements to carry out pyramid selling and fraud in its name
the official website of the monetary Bureau of the people's Bank of China issued the risk warning on issuing or promoting digital currency in the name of the people's Bank of China. The central bank pointed out that recently, indivial enterprises falsely used the name of our bank to label relevant digital procts as "authorized issuance by the people's Bank of China", or falsely claimed that the digital currency promotion team of the central bank issued, in an attempt to deceive the public and take the opportunity to make huge profits
in the risk warning, the central bank stressed that the bank has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency. At the same time, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud. The general public should raise their risk awareness, invest rationally and prudently, and prevent the interests from being damaged
Yan Lixin, Professor of School of economics of Fudan University and Secretary General of China Anti Money Laundering Research Center, said that many domestic virtual currencies have been used by criminals to become the targets of pyramid schemes. "With the rapid development of the Internet age, the essence of pyramid schemes has not changed. What has changed is only its means and forms. From offline to online, physical objects have become virtual objects, In this case, the risk is greater, and it is more difficult for consumers or investors to stop loss, rece loss and safeguard their rights. "
"the legal tender of our country is RMB." In the risk warning, the monetary Bureau of the people's Bank of China once again stressed that RMB is uniformly printed and issued by the people's Bank of China
without this calculation, the whole system is not secure, so these seemingly meaningless calculations are to ensure everyone's security
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The rise of financial technology promotes the digital and intelligent development of finance, and the form of money is also developing. With the rapid development of information network communication technology, electronic payment has been popularized rapidly, and legal digital currency is also developing< China vigorously promotes digital currency, and the development of digital currency has great positive significance for China's economic development
finally, it is difficult for users to feel the difference between digital RMB payment and third-party payment in their daily consumption. In comparison, the use of digital RMB payment is more convenient than the third-party payment , and digital RMB payment is not limited by the network and payment scenarios. Digital RMB is the financial infrastructure built by the state, and there is no charge for the cashing and redemption of digital RMB. Digital RMB can be used to pay third-party payments. However, for those who need convenient electronic payment, people without financial accounts can also use digital RMB< Digital RMB supports controllable anonymity, which can better protect users' privacy