Is the five elements digital wallet the currency of the central

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. No, because the digital currency issued by the central bank has not yet been issued, those activities aimed at promoting the issuance of digital currency by the central bank may involve pyramid selling and fraud.

3. Decpai seems to be a formal blockchain digital currency. In fact, it is a virtual capital disk under the banner of decp, not the central bank's digital wallet. At present, the central bank has not launched a blockchain digital wallet.

4. The digital wallet is not owned by the people's Bank of China. Digital RMB is the legal digital currency not yet issued by the people's Bank of China, namely "digital currency electronic payment" (DC / EP). The digital currency of the people's Bank of China is the electronic version of RMB

e-rmb means that there is a virtual wallet on the mobile phone, and your cash will appear in the form of pictures in your virtual wallet
electronic RMB advantages:
1, no Internet payment. Although Alipay and WeChat payments are widely used nowadays, payment will fail if there is no network or network signal difference. The central bank has launched the "touch and touch" function, which can pay whether there is network or not
2, farewell bank cards, Alipay and WeChat payment need to bind bank cards, and they serve as a medium to make payment easier. However, e-rmb has bid farewell to the bank card and has only one unified E-wallet
3. It is concive to cracking down on cash crimes, and finding criminals by searching the flow direction of RMB through electronic RMB. Once the traditional currency is traded or laundered, it will be difficult for the country to find clues, while electronic RMB will not have this disadvantage. At the same time, e-rmb also reces the cost of national banknote printing
response time: October 14, 2020. Please refer to the official website of Ping An Bank for the latest business changes

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