The content of the central bank's digital currency test in th

1.

The digital currency of the central bank is DCEP

the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency

The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous

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Application of digital currency

I. fast, economic and safe payment and settlement

cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed

At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:

3. Bill finance and supply chain finance

in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs

reference materials

network digital currency

2.

The full name of digital RMB is & lt; Digital money electronic payment & quot DC / EP (digital currency electronic payment) is a kind of payment tool based on various existing bank accounts, which has the same value as ordinary banknotes and coins and can be used for payment or other economic activities. At present, the people's Bank of China is still in the pilot stage and has not been officially issued

According to the report of reference news, the people's Bank of China has concted a small-scale internal test on digital RMB in Suzhou, and many Suzhou civil servants have received the salary in the form of digital RMB. According to the plan, in the future, it will be promoted in Shenzhen, Cheng, Suzhou, xiong'an new area and other places as well as relevant departments of the future Winter Olympics scene, and then extended to other regions as appropriate. It is believed that digital RMB will be popularized in the near future

3.

Digital RMB (DC / EP) "ready", how will the future payment field usher in changes

in addition, for the areas that the central bank's digital currency can do but the third-party payment can not cover, Wang Zhicheng said that digital currency may have a great connection with the convergence of digital assets in the future, which means that shopping and selling use the same media, and things with similar media will have a better matching degree, which is easy to be accepted by everyone, "In the future, for example, for any financial procts and transactions between virtual assets, the matching degree and convenience of using the central bank's digital currency will be much higher than the current third-party payment."

4.

The Beijing Municipal Bureau of Local Financial Supervision announced on February 6 that on the first anniversary of the countdown to the opening of the Beijing Winter Olympic Games, Beijing will launch the & lt; Digital Wangfujing ice and snow Shopping Festival & quot; Digital RMB pilot activities. Sponsored by Dongcheng District People's Government of Beijing, 50000 digital RMB red envelopes with the amount of 200 yuan each were issued to the successful bidders by appointment and drawing lots

Beijing Municipal Bureau of local financial supervision said that in the next step, Beijing will steadily promote more pilot applications of digital RMB around the 2022 Winter Olympic Games, and continue to deepen the implementation; Two districts & quot; Policy, continuously improve the construction of legal digital currency pilot area and financial technology application scenario pilot area, improve the service level of Beijing Smart City, build an international consumer center city, and provide service guarantee for the payment environment construction of Beijing Winter Olympic Games

experts said that the current digital RMB test work is going smoothly, and the pilot scope of digital RMB can be expanded orderly in the future, and the digital RMB can be officially launched as soon as possible, so as to better meet the public demand for legal digital currency in the era of digital economy

Su Xiaorui, a financial technology expert, said that the follow-up pilot will make a greater breakthrough in online use scenarios. From the previous cooperation list of the digital currency Research Institute of the central bank, it can be inferred that in the future, digital RMB will graally involve travel, e-commerce, short video and other retail scenarios. From the perspective of the development trend of financial technology, it will also achieve more penetration in the direction of instry in the future, and make great efforts in the fields of enterprise trade, supply chain finance and other real economy

5.

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

6. The impact of digital currency on paper money is inevitable, but it will not completely replace paper money. The central bank's digital currency is the digital replacement of paper money. The functions and properties of digital currency are exactly the same as paper money, but its form is digital. The central bank's digital currency DC / EP should start from M0, that is to say, it should start from the replacement of banknotes and coins in circulation by digital currency, not to replace all RMB. In fact, the balance in the commercial bank account already exists in the form of digitization, so there is no need to replace it
the current network transmission of digital RMB system (DC / EP) information is the testing content in the process of technology research and development, but it does not mean that the digital RMB is officially launched. At the current stage, the internal closed pilot test will be concted in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympic Games
digital currency based on blockchain has al characteristics. On the one hand, it can replace the existing inefficient cross-border payment and settlement system and promote the development of trade; On the other hand, because of its decentralized, autonomous and anonymous nature, it is easy to cause economic fluctuations and encourage criminal activities
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

7. Captain wall's amorphous explosion rate is 97%, at least one...

8. Vicat has been identified as network pyramid scheme fraud by the public security and police in many places in China. Three leaders of Vicat MLM in mainland China have been arrested and reported in the news
the local police have carried out strict investigations and arrested a lot of people, but they can hardly survive in the mainland. Now they are losing money from the mainland through the Internet circle, leading to a large amount of capital outflow. Many members are cheated by all kinds of packaged conventions and gimmicks, and are brainwashed. They don't know what issuing UnionPay cards is all fake, UnionPay has explicitly denied it. Many of them are brainwashed. They are not only cheated of money, but also brainwashed. Investors are advised to invest rationally, focus on family, and don't be cheated
there are many healthy investment and financial procts on the market, so you don't need to stick to virtual currency. The above are all personal opinions. I hope they can help you. Thank you

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