Competition between digital money and Alipay
1、 Different monetary attributes
1. digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
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:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization 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 the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
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2013-4-29 上午 11:35:10x禽
淡淡的胖次
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digital currency compares with Alipay: digital currency is equivalent to RMB with legal compensation. Digital currency is more perfect and convenient01 and the central bank say there is no competition between digital money and Alipay. p> On October 12, digital currency was tried in a district of Shenzhen. It is precisely because of this that digital currency officially came into people's sight. Digital currency has appeared before, but it is not digital RMB, but in other ways
many people speculate whether the arrival of digital money will have an impact on WeChat and Alipay payment. Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, on 25 June, said that there was no competition between digital money and Alipay 10.
but if the transaction amount is relatively large, it needs identity verification , and it is more secure, for every money, the central bank can find out where it is going, know who the other party is , and put an end to some unidentified transactions and some scams
Many people will feel that they have no money, only a mobile phone. It reflects a current situation in contemporary China, that is, cash has been used less in daily life. In China, although the payment function of various apps has been developed quite completely. But still did not pull an instry or field, dare to put forward, refuse to use cash payment. Even the refusal to use employee card, campus card or various payment software mentioned in the dining room is just to prevent employees from filling their pockets. It is not the prohibition of cash as we know it
No matter how the authority of the central bank defines the concept of digital RMB, since it has the payment function and can be used in the crowd and businesses, it is inevitably equivalent to falling in love with the same kind of payment software, There is a competitive relationship. In the transaction, if we choose one transaction method, it is impossible to choose another transaction method at the same time. Of course, you can say that you choose to use this software to pay half the price of goods, and then choose to use another software to pay half the price. Even so, it is also a competitive relationship between the twoFrom the essence of digital currency, there is no relationship between them, but for the popularity of the whole digital RMB, it will definitely launch its own payment platform and payment channel in the process of corresponding promotion, which will certainly cause a certain threat and impact on the corresponding mobile payment{ RRRRR}
but in the promotion process of digital currency, it may launch an independent payment platform, which is independent of WeChat and Alipay. It is based on the corresponding payment system of the 5 major banks to carry out the promotion of the corresponding digital money. Therefore, in the process of corresponding promotion, it may cause some impact and impact on the existing business of the mobile payment platform. However, because most people use mobile payment platforms such as WeChat and Alipay, it is still necessary to use these two platforms to popularize in the early stage of promotion. So, in essence, the relationship between the promotion of digital cash and these mobile payment platforms is not large. p>
digital renminbi is proved by Alipay. There is no absolute competition relationship between them. They can be interdependent. Since they can all enter Alipay's future, it is also possible to use WeChat. therefore, the digital renminbi is not as strong as you think, not that it is a life to death relationship with mobile payment channels. RRRRR}
moreover, there is no need for digital RMB to compete with you. After all, there are so many payment options in the market that consumers can choose by themselves. Consumers will use whatever is convenient. Digital RMB is a bit like the paper currency in our hands, but it has become an electronic version, It does not transfer the money out of your account through the bank, and then the payment is equivalent to transferring the money to the other party's mobile phone . It also has its own unique advantages, but it has not been fully promoted
In this era of high development of Internet economy, we experience the prosperity brought by the development of Internet economy. For this reason, we feel how beautiful the welfare brought by the era is. Especially now, as long as we have a smart phone, we can go to all parts of the country, and we don't need to bring cash, ID card and a series of documents. This is the function of the smart phone now. In particular, the network payment, but recently the central bank said that the number of RMB and WeChat Alipay did not compete, what is the reason? Third, digital currency will become the development trend of Chinese currency in the future< p> Finally, digital currency will become a development trend of Chinese currency in the future, and become the most popular payment method
The digital RMB launched by the central bank is exactly the same as ordinary paper money, which can be used in payment. It looks almost the same as Alipay and WeChat, but the central bank says there is no competition between them. In fact, it's easy to understand that digital RMB is the electronization of RMB. To put it bluntly, it's still currency, and it's something in the wallet. Unlike Alipay, WeChat is itself a purse, which is used to deposit money. p>
most countries are now promoting digital currency. In addition to the convenience of mobile payment, there are other reasons. The most important thing is to save costs. The paper money needs a lot of materials, which is also a big expense. If it is converted into digital RMB, these expenses can be completely replaced