How about DCEP

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. In general, bitcoin and digital currency are full of new opportunities. Some of the newer currencies are achieving a degree of success. More and more companies and banks across the country continue to adopt ripple agreement. The protocol will only increase the number of digital currency enterprise applications, and cause widespread hot discussion in this field. In addition, by introcing an exchange traded fund (ETF) linked to the performance of digital currency, consumers may also be more receptive to digital currency.

3. Generally speaking, DCEP is the "digital currency with value characteristics" issued by the state. It can completely replace the market banknotes and has the same functions and attributes as banknotes. The release of DCEP redefines what digital currency represents. In the past, bitcoin, Ethereum and other currencies also had multiple nicknames such as digital currency or cryptocurrency. Now digital currency needs to be removed from these nicknames
in terms of positioning, the central bank's digital currency DCEP is not simply the digitization of banknotes, but to replace M0 (banknotes and coins) and change the form of the base currency. M0 refers to the cash in circulation, that is, the sum of the cash on hand of various units outside the banking system and the cash held by residents. The digitalization of banknotes generally refers to online replacement of lines, such as Alipay and WeChat, which all belong to online payment. However, both of them need to bind bank cards to pay. DCEP does not have this restriction, that is to say, when using DCEP for payment, there is no need to bind any bank account
the name of digital currency is easy to associate with cryptocurrencies such as bitcoin, but there is a fundamental difference between DCEP and them: DCEP is centralized while bitcoin is decentralized
to be exact, DCEP is a kind of sovereign credit currency, while the latter two are the procts of the idea of "currency non nationalization". The paper money itself has no value. The reason why it can perform the function of currency is that it is supported by the national credit and has the nature of legal compensation and compulsion. However, cryptocurrency such as bitcoin is a kind of private currency in essence and has no solid credit foundation. Therefore, any cryptocurrency with its own mining algorithm, following P2P protocol, limited amount, reaching a certain degree of consensus and decentralization can be a substitute for bitcoin
comparatively speaking, if there is a substitute for DCEP, it can only be other forms of RMB, such as banknotes and coins. That is to say, the digital currency DCEP issued by the central bank is still the debt of the central bank to the public, and this relationship between creditor's rights and debt will not change with the change of currency form.

4. It shows that people's vision is OK now, and dcpro is also done by many people. It's a regular platform, and the interest is not high.

5. Which is better? It depends on your specific needs. Just now from the tenth power computing power leasing platform, we can see that if there is no shortage of funds, we can buy computing power. However, if there are not so many funds in the early stage, it is more cost-effective to rent computing power. I think the same is true. If the budget is enough, we can directly purchase the computing power.

6.

People often hear such a dialogue: "why is this property selling so well?"“ Because it has a good location, A short conversation, however, clearly conveys such an important signal: the importance of location to the value of a house, as a famous person once said: the first factor determining the value of real estate is location, the second is location, and the third is location. When young people buy a house, they often consider the location convenient for commuting and children's going to school. When old people buy a house, they usually consider the location convenient for medical treatment, walking and morning exercise, and good environment

It is precisely because there are many factors to consider when buying a house and choosing a location, that people have so many entanglements when buying a house and choosing a location. So the question is, is it only the downtown area that is good

First, is it true that only the downtown area is good

on this issue, Xiaobian can only say that it is really not certain. For example, take a place (Zhengzhou) as an example, the price of houses in Zhengdong New Area is much higher than that in High-tech Zone, and even the government's regulation on the house price in Zhengdong New Area can't see any effect

It's no exaggeration to say that even if one day the prices of houses in Zhengdong New Area are reced, many people still can't afford to buy houses in this area. Because the location determines that the houses in Zhengdong New District will not fall sharply, so the so-called "good location" does not only refer to the urban center, but also other areas

In addition, Xiaobian also said a few words: Traditionally, people generally think that the more prosperous and closer to the urban area, the better. Because the advantages of urban center are obvious, such as social convenience, convenient life, and convenient for renting

But don't forget, when you buy a house in this area, you should also see its disadvantages, such as heavy pollution, restlessness, high price, and not too much room for price increase in the short term. In fact, for home buyers, although the price of a house is not the only factor that affects whether they buy a house or not, it is almost the most critical factor, because if the price of a house is too high, the buyer may give up the plan to buy a house

Second, does the house in the center of the city keep its value

"location determines the value of a house" is reasonable, but in fact, what kind of location is a good location? If there is a transfer of the urban center, can the former good area be said to be a good area

now many cities are planning the construction of new areas, and young people are generally not willing to live in the urban center of the old city, but prefer to go to the new area with better facilities and more modern buildings. In this context, the urban center of the future city is likely to be transferred

even if many cities are not transferred, they will become a multi center pattern. In this case, the land value of the original old urban center will certainly depreciate. Now, if you're spending a lot of money on a house in the middle of the city, it's not worth it

To sum up, the houses in the urban center may not be able to maintain their value

of course, good location generally means mature supporting facilities and convenient life. Even if people have different requirements for living experience, basic supporting facilities such as supermarkets and hospitals are equally necessary. Therefore, it is understandable that many people are eager to have a good location for their house. But if you want to find a good location just for financial management and pursuit of higher profits, you really need to study it carefully. After all, financial management is also risky

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