People's digital currency Research Institute of China
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
extended data
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
In early 2014, the Central Bank of China set up a special research group on legal digital currency to demonstrate the feasibility of issuing legal digital currency by the central bank. On January 29, 2017, the central bank officially established the digital currency Research Institute. After the successful development of the prototype of legal digital currency, the digital currency Research Institute of the people's Bank of China has tried to deploy institutions in many parts of the country, and through the integration with R & D institutions and instries, it has achieved the research results of financial development technology. In 2018, the digital currency Research Institute of the people's Bank of China successively settled in Nanjing and Shenzhen. In 2019, the people's Bank of China announced that digital currency will be piloted in Shenzhen, Suzhou, Cheng and xiong'an
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the research on Shenzhen's support for digital currency began in 2016
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on October 6, 2017, the Management Committee of xiong'an new area held a special meeting to study the big data management system and mechanism and the basic idea of "digital xiong'an" construction, and fully promote the construction of "digital xiong'an". Soon after the meeting, all kinds of enterprises were inspired to build xiong'an new area into a "test ground" for innovation
on October 14, 2017, Peng Yijie, vice president of ant financial services and partner of Alibaba group, and his party went to xiong'an new area to report the blockchain construction plan. Peng Yijie's evaluation of xiong'an new area is: the best soil for building blockchain. On November 8 of the same year, xiong'an New District held a docking meeting with Alibaba group. Alibaba and ant financial services will undertake the construction of digital xiong'an blockchain infrastructure platform, and are expected to take the lead in testing the water in the rental scene
on November 23, 2017, Tencent and xiong'an new area signed a strategic cooperation agreement on financial technology, and both sides established Tencent (xiong'an) financial technology laboratory to test big data risk control system, Tencent cloud based blockchain services and other financial black technologies in the new area
on April 21, 2018, xiong'an New District of Hebei Province issued the outline of the planning for xiong'an New District of Hebei Province, which proposed to develop high-end high-tech instries, and lay out the R & D and test of blockchain, terahertz, cognitive computing and other technologies in advance. Blockchain has been written into the outline of xiong'an New District Planning in Hebei Province. A technology with advanced influence and far-reaching significance begins to grow together with a rising Digital City shouldering historical mission
on June 8, 2018, China Academy of information and communication signed a strategic cooperation agreement with xiong'an new area. The two sides will build a scientific research base in the field of information and communication in xiong'an new area, and provide comprehensive support services such as development strategic planning, standards and policy formulation for the construction of the new area, focusing on 5g, instrial Internet, artificial intelligence, blockchain, network security, military civilian integration, information technology and so on In the field of Internet of vehicles and other fields, Beijing Tianjin Hebei high tech innovation comprehensive service platform and innovation and entrepreneurship demonstration base will be built to promote instrial innovation and development
on June 28, 2018, xiong'an New Area officially signed a strategic cooperation with 360 group. 360 group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields to provide comprehensive network security services for the construction of a safe and reliable "digital xiong'an"
on July 23, 2018, xiong'an group of China signed a memoranm of understanding with consensys, a blockchain technology company. Joseph Rubin, the founder of consensys, etc., made suggestions to xiong'an group of China on how to use blockchain technology, hoping to apply his knowledge and experience in blockchain ecosystem to xiong'an's projects and support xiong'an's innovative development mode
on December 21, 2018, Hebei xiong'an branch of Bank of communications was opened. The branch will rely on the head office's professional R & D team and strong R & D strength, rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms, constantly innovate the financial business model, and make greater contributions to the construction of green xiongan, smart xiongan and digital xiongan
on May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of ICBC, opened its business in xiong'an new area and became the headquarters of banking financial technology company in xiong'an new area. ICBC technology and Management Committee of xiong'an new area signed the memoranm of financial technology cooperation, and Management Committee of xiong'an New Area officially started the operation of xiong'an resettlement fund management blockchain platform, which will apply the block chain technology of ICBC to realize the whole process chain management of original files of resettlement and fund penetrating allocation
on December 25, 2019, Everbright Bank and digital city company of China xiong'an group will jointly build a "digital financial technology laboratory" in xiong'an new area. Guided by the strategic needs and information construction of xiong'an new area, it will graally build a highland of blockchain commercial application research, technological innovation and talent cultivation
on March 31, 2020, xiong'an blockchain laboratory was officially unveiled. Xiong'an blockchain laboratory has three major goals: to become a new highland of blockchain research and application, an open frontier innovation base, and to explore a new model of laboratory economy. At the third anniversary of the establishment of xiong'an new area, xiong'an blockchain laboratory has special significance, which marks that the innovative practice of xiong'an New Area's blockchain has entered the stage of organization and large-scale landing, and marks a new chapter in the synchronous planning and construction of digital city and physical city in xiong'an new area
xiong'an new district is a digital city forest that has been cultivated from the seed, which is naturally suitable for the central bank's digital currency pilot. Shanghai xiongan, Shenzhen, Cheng on the left and Suzhou on the right are looking forward to the central bank's digital currency pilot projects in these four places, which will spread to the world
The digital currency developed by the central bank has such a definition: encrypted digital string representing specific amount guaranteed and signed by the central bank . In a broad sense, digital currency includes a wide range of aspects, including electronic currency, virtual currency and legal digital currency. But strictly speaking, the digital currency developed by the central bank refers to legal digital currency
electronic currency is the digitalization of legal tender, including our common bank cards, Internet banking, electronic cash, Alipay and so on. No matter what the form of these electronic money is and through which institutions it circulates, its original source is the legal money issued by the central bank
In contrast, virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q coin and other game coins, such virtual currency is mainly limited to circulation in a specific virtual environment; bitcoin, for example, solves the problem of decentralization and distrust through blockchain technology, realizes global circulation, and is sought after all over the world. In other words, virtual currency can only be closed in the network circulation, and digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency, bitcoin is illegalthe digital currency researched and issued by the central bank is indexed RMB, which belongs to legal encrypted digital currency from the perspective of national schemes, and it is not only a payment tool but also a currency itself< the purpose of digital currency issued by the central bank is to replace physical cash, rece the cost of traditional paper currency issuance and circulation, and improve the convenience and transparency of economic transactions
hope to adopt
the "trace" and "traceability" of digital currency can improve the convenience and transparency of economic transactions. Economist Yu Fenghui said that money laundering, tax evasion and other criminal activities are expected to decrease. At the same time, with the application of blockchain technology, a unified account book will be established nationwide or even worldwide, so that every sum of money can be traced back. Tax evasion and money laundering will be within the scope of supervision, and it is even possible to realize automatic tax dection on the card machine
in the future, the digital currency launched by the central bank will become the mainstream, and the digital currencies such as lightcoin, bitcoin and decent may be marginalized.
however, the director of the National Institute of digital currency does not know who it is. Coin Ying China is also very well-known in the coin circle. It is at the forefront of the times and has created a new mode of blockchain + crowdfunding.
there is a fault! It's reasonable and legal for parents to return the money! It's just that the way is not appropriate. How can it constitute a crime?! A minor over the age of 10 may engage in civil activities appropriate to his age and intelligence. Other civil activities shall be represented by or with the consent of his agent ad litem. Whether they are suitable for their age and intelligence can be determined from the degree of association between their behavior and their life, whether their intelligence can understand their behavior, and foresee the corresponding consequences of their behavior, as well as the amount of the subject matter of their behavior. In terms of common sense, is it possible for a child to recharge more than 2000 yuan? Although the child has an explanation, but as a mentally sound alt should still have doubts about whether it is true or not. How can you say there is no fault if you don't contact your family, check the situation, or ask them who they help to recharge?! A contract concluded by a person with limited capacity for civil conct is a contract whose effect is to be determined. The family of the child has the right to decide whether to recognize it or not. When a child's family asks for a top up payment, it is to deny the validity of the contract. It's perfectly legal. It's just that because of the quality problems of the children's families, the way to express their demands is not very appropriate. However, in any case, it is impossible to establish a crime against a child's family! Please give you a lesson in this matter! We can't just focus on business. We should fully consider whether the children have the money, whether there is any problem with the source of the money, and whether we need to further verify it. Also give you a lesson, usually to learn more law, to know and limit the ability to enter into a contract is pending contract