Does the central bank's digital currency affect banks

1.

To guard against the possible risks brought by bitcoin, we know that digital currency represented by bitcoin has high risks. This kind of risk is mainly reflected in two aspects: first, the limitation of digital currency makes it used as investment goods, and the price is extremely unstable. Those who do not understand the principle of digital currency and pay too much attention to speculation are easy to suffer losses for various reasons

Secondly, national digital currency is linked to its own legal currency to a certain extent, so it effectively avoids the price volatility of bitcoin. Because the CBDC issued by our country is guaranteed by the credit of the central bank, it must be a stable currency. In today's international situation, the research and development of digital currency in China is of great significance. The introction of digital currency is not an expedient measure, it has become the development direction of China's future currency

2. The issue of digital currency has many benefits and is imperative. According to the central bank, digital money and paper money will coexist for a long time to come. When people go to the bank to withdraw money, they can not only withdraw cash directly, but also exchange it into digital currency. In Xiaobian's opinion, the establishment and issuance of digital currency system can not only make people's transactions more convenient and safe, but also graally weaken the proportion of paper money in the real circulation, which will also have a positive impact on the electronic disk of postal money card
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. In the new environment of payment and circulation, the traditional paper money will become a symbol of an era and a memory of people. The paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer coins will also stimulate their prices to rise in this situation. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management, which is worth looking forward to Sohu)
however, digital currency does not have to be used for payment. Some domestic application-oriented digital currencies have begun to find another shortcut and come out with a different truth. For example, coin Ying China crowdfunding project token; Puyin group launched the tea based digital currency Puyin.

3. China's digital currency pilot is leading the world, which has a great impact on banks. With the introction and graal maturity of digital currency, the business of traditional banking instry will change dramatically.

4.

China, as a global mobile payment power, Alipay and WeChat have long been a national payment method. It is almost no need to carry a wallet now. Shopping just sweeps away, does not need purse, do not change, really feel the convenience, and whether it is Alipay or WeChat payment, the experience is very good. p> The DCEP, which will be launched by the central bank at the end of this year, indicates that the replacement of paper money is inevitable. So, will WeChat and Alipay be terminated? What's the difference between them

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you can imagine such a scene: as long as you and I have DCEP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has power, two mobile phones touch each other, and we can transfer the digital currency in one person's digital wallet to another person

four, WeChat and Alipay must first bind the bank card, then pay the with Alipay or WeChat payment code. DCEP doesn't need to be bound to a bank account. The transfer between users is independent of the bank account. This is the same as bitcoin and other digital currencies. As long as you have a digital wallet of DCEP, you can scan the code to pay

in fact, DCEP and WeChat pay, Alipay is very similar in the payment scenario, and the experience is expected to be very similar in the future. In the future, as long as electronic payment can be used, there will be digital payment ports of the central bank

so, for the common people, with DCEP, you just have a more payment method, as if mobile payment had Alipay first, and you could also pay WeChat. Use whatever is convenient. However, the emergence of digital money will also be a part of WeChat's payments and Alipay's share of 90%+, which now occupies the mobile payment market share. p>

5. In recent years, you won't be affected. It has just been tried out and will be put into operation nationwide in the future. You are already a black customer in the bank. In digital currency, it is still a black house.

6. 1. Novice and low-grade areas of all races
damorro, twilight forest, wetland, Irvine forest, rotal, barren land, rockmodan, western wilderness, Chiji mountain, tirisfa woodland, Silverpine forest, black coast, mogare, Hillsbrad hills, gray Valley, thousand needle stone forest, bleak land, Shizhuo mountain, Yongge forest, ghost land, Miran Island, Secret blood island
65 tin mine low-grade area
Twilight forest, wetland, st and mud swamp, barren land, thorn Valley, altrank mountains, rockmodan, western wilderness, Chiji mountain, alaxi highland, silver pine forest, black coast, Hillsbrad hills, gray Valley, thousand needle stone forest, desolate land, Shizhuo mountain, ghost land, Secret blood island
Bronze Ingot 1 copper ingot + 1 tin ingot = 2 bronze ingot smelting Bronze Ingot requires mining skills (65)
75 silver mine
barren land, sad swamp, twilight forest, wetland, st swamp, barren land, thorn Valley, otalk mountains, lockmodan, western wilderness, Chiji mountain, alaxi highland, hindland, silver pine forest, black coast, Hillsbrad hills, gray Valley, Filas, Thousand needle stone forest, desolate land, stone claw mountain range, tanalis, land of the ghost, secret blood island
Silver Mine covered with mud
125 iron ore
barren land, sad swamp, twilight forest, wetland, st and mud swamp, thorn Valley, otalk mountain range, Arashi highland, sintland, scorching Canyon, Hillsbrad hills, gray Valley, firas, thousand needle stone forest, desolate land, stone claw mountain range, Tanalis
155 gold mines occur in middle and high-grade areas
barren land, curse land, sad swamp, twilight forest, wetland, st and mud swamp, Isala, West plague land, thorn Valley, otalk mountains, alaxi highland, burning plain, cintland, scorching Canyon, East plague land, Hillsbrad hills, gray Valley, firas, fewood forest, thousand needle stone forest, desolate land, Shizhua mountain range, tanalis, Angolo crater, Dongquan Valley, xilisus
Gold Mine covered with soft mud
ingot 1 iron ingot + 1 coal = 1 ingot smelting ingot requires mining skills (165)
175 there are middle and high grade areas of Mithril vein
barren land, curse land, sad swamp, st mud swamp, Isala, West plague land, thorn Valley, otank mountain range, Alaxi Highlands, burning plains, singland, scorching Canyon, east pestilence, Hillsbrad hills, firas, feywood forest, thousand needle stone forest, bleak land, stone claw mountain range, tanalis, Angolo crater, winter spring valley, silysus
mud covered secret silver mine
230 true silver ore
barren land, curse land, sadness swamp, st swamp, Isala, Pestilence of the west, thorn Valley, altrank mountains, alaxi Highlands, burning plains, cintland, scorching Canyon, pestilence of the East, Filas, feywood forest, thousand needle stone forest, desolate land, Shizhuo mountains, tanalis, Angolo crater, winter spring valley, hilisus
true silver covered by soft mud
230 black iron vein
burning plains, scorching Canyon, Blackstone abyss
250 silver ore veins
curse land, West plague land, burning plain, sintland, scorching Canyon, East plague land, Filas, feywood forest, tanalis, Angolo crater, winter spring valley, sirisus
silver ore covered with soft mud
275 Silver ore of fuser
Isala, West plague land, burning plain, East plague land, Angolo crater, Dongquan Valley, Hellfire Peninsula
fuser silver deposit covered by soft mud
source of black iron ore: Burning Plain, scorching Canyon, Blackstone abyss, heart of molten fire
learn to smelt black iron ingot: learn it in the hall of Seven Sages in Blackstone abyss (the second NPC on the right hand). Materials required: 20 gold ingots, 10 real silver ingots, 2 Ruby; You need the Blackstone abyss key - the dark furnace key (task - the legacy of black iron) to turn on and off. The key is to go through the Blackstone bar and ask the bar owner Prag to buy 6 bottles of black iron wine cups for NPC or complete the task of enchantment NPC<
300-330
mainly mined moxa veins (Hellfire Peninsula, zanga swamp)
330-355
mainly mined moxa veins and refined gold veins (nagland)
355-375
mainly mined moxa veins and refined gold veins (shadow Moon Valley, tyroca forest)

distribution of world of Warcraft ore occurrences

black coast: copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper, copper, copper, copper, copper, tin, copper, copper, copper, copper, copper Silver mine
damolo: Copper Mine
lota: Copper Mine
locomodan: copper mine, tin mine
mogaorei: Copper Mine
wetland: copper mine, tin mine, silver mine, iron mine
barren land: copper mine, tin mine, silver mine, iron mine
Irvine forest: Copper Mine
Shizhuo mountain: copper mine, tin mine, silver mine, iron mine, Mitsui
western wilderness: copper mine Tin, silver
ash Valley: copper, tin, silver, iron
chijishan: copper, tin
thousand needle Stone Forest: copper, tin, silver, iron, silver
Twilight forest: copper, tin, iron, gold
desolate place: copper, tin, silver, iron, silver Gold mine
tirisfalin: Copper Mine
st mud swamp: copper mine, tin mine, iron mine, gold mine, silver mine
Yinsong forest: copper mine, tin mine, silver mine
tanalis: Iron Mine, gold mine, silver mine, silver mine
Hillsbrad hills: copper mine, tin mine, silver mine, iron mine
Filas: Iron Mine, gold mine, silver mine, silver mine Selin
altrank Mountains: copper, tin, iron ore, gold, Mithril
Isala: gold, Mithril, true silver, Selin, Fortier silver
arahi highlands: tin, silver, iron ore, Mithril
fewood forest: gold, Mithril, true silver, Selin
thorn Valley: tin, silver, iron ore, gold, Mithril True silver
angoro crater: gold, Mithril, true silver, sehril, fuhril
barren land: silver, iron ore, gold, Mithril, true silver
sirisus: Mithril, true silver, sehril, fuhril
sad swamp: iron, Mithril
Dongquan Valley: gold, Mithril, true silver, sehril, fuhril
scorching Canyon: iron, Mithril, sehril, fuhril Black iron
tedasher: there are no ore spots at present
sintland: silver mine, iron mine, gold mine, secret silver, true silver, Se silver
moonlight woodland: there are no ore spots at present
curse land: gold mine, secret Silver, true silver, Se silver
Burning Plain: gold mine, secret silver, true silver, black iron, Se silver, Fu se silver
West plague land: gold mine, secret silver, true silver, Se silver Fuser silver
East plague land: gold mine, secret silver, true silver, Se silver, fuser Silver

7. The traditional currency is "currency", that is, it can exchange any commodity, and its use is unrestricted. Because it does not carry information, it is difficult to trace. If the traditional currency expands with the growth of data, it will lose the function of value measurement, that is, it will become waste paper. However, digital currency is different. Although it is also "currency", it can carry information, so it has stability and can be used as the "anchor" of data assets rather than being "carried away" by data assets
in fact, the core attribute of bitcoin, which was the first to practice the concept of digital currency, is that the total amount of bitcoin can be controlled, so it can be used to measure the value of other commodities rather than being determined by other commodities. Of course, in terms of nature, bitcoin is a specific virtual commodity, which does not have the same legal status as currency and cannot and should not be used as currency in the market
therefore, from a strategic perspective, under the background that informatization and digitization have become one of the main trends of economic development, the issuance of sovereign digital currency is the general trend.