Money digital bank operation
1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious
Digital currency adopts a two-tier operation system, which will not affect the real economy< single tier operation system is to issue digital currency directly to the public. First, the digital currency is converted to banks or other operating institutions, and then these institutions are converted to the public, which belongs to a two-tier operating system& rdquo; On the whole, this al delivery system is suitable for China's national conditions. It can not only use the existing resources to mobilize the enthusiasm of commercial banks, but also smoothly improve the acceptance of digital currency
in the process of many people's livelihood funds distribution, it can be fixed to people through the way of digital currency smart contract, and the relevant funds can be directly distributed to the people's digital wallet, without going through layers of middle links, so as to put an end to the possibility of false report, false claim and embezzlement in advance
what is the operation system of digital RMB? Will it have an impact on the real economy? If you have any opinions, you can leave them in the comments section
1. For commercial banks and other financial institutions, it is both an opportunity and a challenge. In the future, more innovations such as digital credit, digital assets and digital liabilities will be derived from digital currency, while the non sovereign "digital right currency" will graally cool down. In addition, the central bank can improve the efficiency of monetary operation monitoring and enrich monetary policy means after the issuance of digital currency
2. Issuing the legal digital currency of the central bank will make it possible to collect the data of money creation, bookkeeping and flow in real time. After data desensitization, it will conct in-depth analysis through big data and other technical means, so as to provide a useful reference for money supply, formulation and Implementation of monetary policy, and provide a useful means for economic regulation and control
extended data:
characteristics of digital currency
Central Bank digital currency is quite different from electronic payment in some functions. In the past, the fund transfer of electronic payment instruments must be completed through the traditional bank account, which adopts the way of "account tightly coupled"
and the central bank's digital currency is "account loose coupling", which can be separated from the traditional bank account to realize the value transfer and greatly rece the dependence of the transaction link on the account. The digital currency of the central bank can be as easy to circulate as cash, which is concive to the circulation and internationalization of RMB. At the same time, it can realize controllable anonymity
Digital currency is more likely to shake the intermediary status of banks between consumers and enterprises, so why should banks introce digital currency to bring adverse effects on themselves
sometimes people say, & lsquo; Well, that's to raise money;. If a token is only issued to raise funds, it may not be the best token. Pro, you just want to see that the issued tokens will bring real value to the system, right? It's an incredible, unstable asset type. But a lot of people see a lot of hope. Some people predict that the price will rise to 50000 in a few years, while others say it will be one million&# 8943;