Kejincai in the concept of digital currency

1.

digital currency is an alternative currency in the form of electronic currency (which can be used for real goods and services transactions)

digital currency has the main characteristics of network packets. This kind of data packet is composed of data code and identification code. The data code is the content we need to transmit, while the identification code indicates where the data packet comes from and goes

based on the characteristics of digital currency, the direct benefit of digital currency to the central bank is not only to save the cost of note issuance, circulation and settlement, but also to enhance the central bank's ability to control funds

Electronic money and virtual money are called digital money. According to the definition of the European Central Bank, virtual money is issued by non central banks, credit institutions and e-money institutions, which can be used as the numerical expression of the value of currency substitutes in some cases

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extended information:

the process of digital currency trading through the platform is as follows:

(1) investors should register accounts first, and obtain digital currency accounts and US dollar or other foreign exchange accounts at the same time

(2) users can buy and sell digital currency with the money in their cash account, just like buying and selling stocks and futures

(3) the trading platform will sort the buying requests and selling requests according to the rules and start to match them. If they meet the requirements, the transaction will be concluded

(4) e to the difference between the buy and sell volumes submitted by users, a buy or sell request may be partially executed

2. The issue of digital currency can not only rece the high cost of traditional paper currency issue and circulation, but also better serve our virtual economy. Previously, bitcoin and other data currencies were legalized in California, and the Bank of England also considered issuing digital currency, which opened a good foundation for digital currency circulation. With the issuance of digital currency in China, the penetration rate of mobile payment will rise by leaps and bounds, and the enterprises that take the lead in the layout will have broad prospects for development
in the A-share market, the concept stocks related to mobile payment mainly include: Hengbao shares, new world, Tianyu information, Zhongke Jincai, national technology, new cape, new Guo, etc.

3. CBDC, the full name of central bank digital currency, translated as the central bank digital currency. The Bank of England, in its Research Report on CBDC, gives this definition: central bank digital currency is the electronic form of central bank currency, which can be used by households and businesses to make payments and store value. The Chinese version of CBDC is described as digital RMB, which is issued by the people's Bank of China, operated by designated operators and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation. What we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment tools". The center for International Settlements (BIS) and the Committee on payment and market infrastructure (CPMI), two authoritative international organizations, jointly concted two questionnaires on more than 60 central banks in 2018 and 2019. The content of the questionnaire includes the work progress of central banks on digital currency, the motivation of studying digital currency and the possibility of issuing digital currency. 70% of central banks said they are (or will be) involved in the research of digital currency
response time: August 6, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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4. Digital currency is not a concept stock. Digital currency is different from stock

digital currency is abbreviation of digital currency. It is an alternative currency in the form of electronic currency. Digital gold coin and cryptocurrency (bitcoin, DCT) belong to digiccy
stock is the certificate of ownership issued by a joint-stock company, which is a kind of valuable securities issued by a joint-stock company to each shareholder as a certificate of shareholding in order to raise funds and obtain dividends and dividends. Each share represents the ownership of a basic unit of the enterprise. Behind every stock is a listed company. At the same time, every listed company will issue shares.

5.

The main concept stocks of digital currency include Hailian Jinhui, Julong, Huijin, radio and television express, digital certification, Kunlun wanwei, gaoweida, Huali chuangtong and high beam software

from the perspective of financial institutions' layout of digital currency concept stocks, according to the No.1 Institute of finance, among the relevant stocks that have disclosed the annual report of 2019, as of the end of the fourth quarter of last year, five stocks were heavily held by institutions such as insurance capital, securities companies and funds, with a total market value of 24.3 billion yuan

in terms of research on financial institutions, No.1 Institute of Finance found that six digital currency concept stocks, namely, radio and television express, digital certification, Kunlun wanwei, gaoweida, Huali chuangtong and Gaoguang software, have been intensively researched by institutions this year, with a total of 163 times of research

an equity investor of an insurance company told the No.1 Institute of finance that at present, the insurance capital still pays attention to the large cap stocks with "low wave dividend" (stocks with high dividend and low performance fluctuation), and still holds a wait-and-see attitude towards popular concept stocks such as digital currency, but does not rule out the subsequent purchase

extended data

digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects: because it comes from some open algorithms, digital currency has no issuing subject, so no one or institution can control its issuing

because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by excessive virtual currency; Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough

The emergence of bitcoin poses a great challenge to the existing monetary system. Although it belongs to the generalized virtual currency, it is essentially different from the virtual currency issued by network enterprises, so it is called digital currency

this paper compares digital currency with electronic currency and virtual currency from the aspects of issuing subject, scope of application, issuing quantity, storage form, circulation mode, credit guarantee, transaction cost and transaction security