The introduction of digital currency in China decoration constru

1.

there is no . In response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28, at present, this test has ended . At present, Internet information is the testing content in the process of technology research and development, does not mean that digital RMB is officially launched

it is reported that recently, the app of China Construction Bank launched the digital currency wallet, which surprised people. Users only need to bind their own bank card on the digital currency wallet to open it. In addition, the app of China Construction Bank has added two submenus of digital wallet recharge and digital currency, indicating that users can use the digital RMB wallet to recharge, It is mainly divided into app wallet and hardware wallet

extended information:

many companies speed up the layout

recently, there are many rumors about digital RMB, which are also reflected in the capital market. Judging from the performance of the digital currency sector, it recently hit a new high this year

some listed companies revealed that they would pay attention to the field of digital currency and actively lay out their plans. On the e interactive platform of Shanghai Stock Exchange, Qi an Xin said that the pilot test of digital currency has brought more market opportunities for security manufacturers from the new security project opportunities brought by the upgrading of financial IT system, and the company has been paying attention to and actively arranging

The company has been paying close attention to and actively following up the technology and application trends related to digital currency, and has continued to make layout in technology R & D and proct development. In the process of promoting the implementation of digital currency by the central bank, Youbo will also contribute to the digitalization of RMB and the implementation of offline merchant payment scenarios

Shenzhou Holdings said in the China Daily News that its Shenzhou information has participated in the central bank's digital currency (DC / EP) test and related promotion work of a commercial bank, involving the electronic payment scenario test of encrypted digital currency. As one of the important systems required for the later promotion of DC / EP, Shenzhou information has completed relevant technical reserves, In the future, it can help commercial banks realize the implementation and promotion of digital currency

4.

Hello, the replacement of paper-based RMB by digital RMB is basically certain. Just as the era goes from entity to e-commerce, RMB also goes from offline to online. Its function is exactly the same as paper money, that is, the digital version of paper money

at present, China's digital currency is a leading technology, which is bound to accelerate its digital currency construction in the short term, in order to find the gap with DCEP. However, DCEP can ultimately promote the nationalization of RMB, still depends on the steady growth of domestic economy and the international circulation ability of RMB itself, not only on the digital technology of RMB, but also has a long way to go

5. Yes, we do better in the world

6. 1 the framework of legal digital currency needs the participation of non bank payment institutions
there is no unified concept of legal digital currency. The Bank of England defines "digital currency" as "a payment method existing only by electronic means... Which can be used to purchase physical goods and services"... Including "private digital currency" and "digital currency issued by the central bank". Further than the Bank of England, Yao Qian, director of the digital currency Research Institute of the people's Bank of China, made clear the multiple connotations of the central bank's legal digital currency in several public speeches: legal and encrypted credit currency, adopted a series of algorithms, and derived more intelligent functions in the payment function
to this end, the central bank has designed a system architecture of "one currency, two warehouses and three centers", that is, taking digital currency as the center, designing the issuing library and deposit library, matching the certification center, big data analysis center and registration center. The central bank's digital currency is issued by the central bank and circulated in the commercial bank's account. The issuing inventory is put into the people's Bank of China to deposit the digital currency. The deposit bank is the database of the commercial bank to deposit the central bank's digital currency. The authentication center manages the identity of institutions and users in a centralized way; The registration center completes the whole life cycle and ownership registration of the central bank's digital currency; The big data analysis center achieves the goals of anti money laundering, anti terrorist financing, index detection and analysis
as an important node in the framework of legal digital currency, commercial banks play an important role in the circulation of central bank's digital currency. In the case that China's non bank payment institutions have occupied a certain market share, it is a better choice for non bank payment institutions to participate in the framework of digital currency operation as a supplement to commercial banks. The reasons are as follows: first, third-party payment institutions can help commercial banks realize the promotion of legal digital currency. Within commercial banks, there is a competitive relationship between legal digital currency and physical currency. The public tends to convert the digital currency in cash account into traditional currency in exchange for income, so it is difficult to achieve the goal of promoting digital currency by commercial banks; Second, the third-party payment institutions can avoid the repeated construction of payment application scenarios by commercial banks. Different from non bank payment institutions, the current payment scenarios of commercial banks are relatively lack of diversification, which will lead to a waste of resources and the rich experience accumulated by non bank payment institutions; Third, the third-party payment institutions can appropriately rece the operating costs of commercial banks. On the one hand, commercial banks need to upgrade the necessary software and hardware for the central bank's digital money service; On the other hand, we should continue to do a good job in traditional RMB deposit and withdrawal services. The simultaneous operation of the two systems will increase a lot of human and material costs. Fourth, the third-party payment institutions can promote the construction of payment instruments and channel integration of commercial banks. In the framework of legal digital currency, the single payment instruments and complex payment channels provided by commercial banks may rece the enthusiasm of the public to use legal digital currency
2 the emergence of legal digital currency reshapes the role of non bank payment institutions
in the process of cooperation with commercial banks, all kinds of non bank payment institutions play four roles. The first is the role of account manager. Non bank payment institutions can not operate deposit and loan business, and the amount in their payment account is not a deposit, so it is easier for the public to accept the role of non bank payment institutions as "digital wallet". At the same time, non bank payment institutions have rich experience in the development and operation of digital currency wallets and their terminals, which is concive to the smooth management and use of central bank's digital currency, and there is no need to worry about the risk of misappropriation of funds by non bank payment institutions. The second is the role of payment service provider. Non bank payment institutions have a lot of experience in scenario development and operation, including mobile payment, cross-border payment and rural payment, and relatively large market share of scenario based payment. On the one hand, powerful non bank payment institutions can develop a variety of procts based on Intelligent legal digital currency to meet the needs of users' exchange, payment, storage and related derivatives; On the other hand, non bank payment institutions can make use of various scenarios to promote the use of legal digital currency. For example, when consumers want to invest through the central bank's digital currency, non bank payment institutions, with the experience of traditional currency investment and payment services and upgraded digital wallet, can be fully competent as the special payment service provider of digital currency investment. Third, the role of system construction service provider. NPC, the core of national payment and settlement system, and CCPC, the core of provincial payment and settlement system, will continue to play an important role in the framework of legal digital currency. In the long-term coexistence of legal digital currency and traditional currency, NPC and CCPC will be double important nodes. Non bank payment institutions with strong technical ability can be used as secondary verification nodes under the framework of legal digital currency to supplement the multi center and distributed system architecture and continue to dock with NPC and CCPC
3 technical connection between non bank payment institutions and legal digital currency system
the innovation of non bank payment institutions is accompanied by the connection with legal digital currency system, covering the whole process of digital currency generation, storage, use and withdrawal. In this process, the first thing to solve is the docking of basic layer technology and transaction mole. The docking of basic layer technology is reflected in three aspects. First, in terms of basic security technology, non bank payment institutions, as providers of mobile terminal transaction forms, need to apply terminal security mole technology, dock with unified encryption and decryption system, provide carriers for secure storage and encryption and decryption operations, and provide effective basic security protection for digital currency. Secondly, in the aspect of data security technology, non bank payment institutions, as a part of the whole payment system, should adopt the official unified ciphertext + MAC / ciphertext + hash technology to transmit digital currency information, so as to ensure the confidentiality, security and non tamperability of the information. Thirdly, in the aspect of transaction security technology, non bank payment institutions, as the advanced nodes participating in bookkeeping, adopt blind signature technology to ensure the controllable anonymity of digital currency in the process of transaction, and eliminate the possibility of repeated payment through serial number, time stamp and other ways; And through encryption and decryption, digital signature, identity authentication and other anti-counterfeiting ways to ensure the authenticity of the transaction
when docking with the transaction mole, non bank payment institutions should do the following: first, docking with the certification center to obtain relevant digital certificates and user identity information; Second, connect with the trusted service management mole to obtain the use function of digital currency; Third, connect with the issuing system and storage system, and apply for and exchange digital currency through the bank treasury; Fourth, connect with the transaction communication mole to ensure that users can realize online payment through the transaction network in the intelligent terminal based on online transaction communication; Fifth, connect with the registration center, notify and record the flow of digital currency transactions, so as to complete the registration of the central bank's digital currency generation, circulation, checking and extinction process
4 scenario docking between non bank payment institutions and legal digital currency system
scenario docking of non bank payment institutions is based on the transformation of their own roles. Legal digital currency is algorithmic currency and intelligent currency, so business innovation and scenario expansion are the proper meaning of legal digital currency system. Non bank payment institutions can achieve scene docking mainly in four aspects
first, enabling the financial instry and defusing the limitations of financial scenario services. At present, there are some limitations in financial scenario service, such as business modeling is not universal, different agents have different management requirements, and the system docking cost of participants is high. Non bank payment institutions connect with the underlying technology of legal digital currency, and through the research and development of smart contract, establish behavior information such as capital flow, trigger conditions, value change rules, revenue right registration, and corresponding capital information (amount, account, currency, etc.) to resolve the existing limitations of financial scenario service. Non bank payment institutions use the atomic properties of digital currency and the atomic transactions of smart contracts to "assemble" into a business model. It does not need to develop a separate platform for different business scenarios, and avoids the monopoly of the instry platform and the non disclosure of information
Second, expand the use scenarios and improve the user experience. Non bank payment institutions can continue to expand the use scenarios according to the characteristics of legal digital currency on the basis of the existing rich payment scenarios, so as to meet the needs of users' exchange, payment, storage and related derivatives. At the same time, through the aggregation application, users can use the app of non bank payment institutions to dock a large number of scenarios and services
thirdly, improve the security of funds and create a universal digital wallet. Non bank payment institutions can provide digital wallet services, create digital wallets that meet security standards through their own technology, and ensure the security of users' funds. Alternative methods include: the central bank and non bank payment institutions cooperate to develop a unified universal digital wallet application, or authorize several qualified non bank payment institutions to provide universal digital wallet services. The digital wallet can realize the mutual exchange between the user's funds in various commercial banks and the legal digital currency even in the self owned accounts of non bank payment institutions. From the perspective of implementation, at the same time, the traditional account system of commercial banks can also bind the digital currency wallet of non bank payment institutions, so as to achieve the joint management of traditional accounts bound with digital currency wallet
Fourth, help cross-border settlement and build a safe and reliable cross time zone alliance chain. Non bank payment institutions can deeply participate in the cross-border payment system of legal digital currency. Cooperation with commercial banks and central banks can be achieved in at least two aspects. First, payment standards and tools are available. Non bank payment institutions participate in the research and establishment of standards and tools to realize the possibility of technical docking. Second, cross border payment system. The business system led by the central bank and participated by commercial banks and qualified non bank payment institutions will help to realize efficient cross-border payment
5 the legal framework of non bank payment institutions and legal digital currency is connected
a perfect legal system is an important guarantee for the operation of the digital currency system. There are several key questions to answer. First, how to determine the ownership of legal digital currency? This is the basis of all legal acts of legal digital currency. The first way of thinking is that legal digital currency is intangible. As a special movable property, it is applicable to the provisions of the property law. For example, Liu Xiangmin, director of the Department of articles and law of the people's Bank of China, believes that "to solve the problem of ownership transfer of digital currency, we should also focus on the publicity of ownership." The second idea is that digital currency is an electromagnetic record, which is applicable to the law of data transfer and transaction. The essence of digital currency is electromagnetic recording, and the transfer of electromagnetic recording content is recorded in the node of digital currency technology architecture. The change of node records is taken as the standard of ownership transfer. Second, how to protect personal information security? Personal information security is a basic problem in the era of digital economy. In addition to legislation to improve the level of technical security, we should also make clear the main types of legal digital currency system

7.

The rise of financial technology promotes the digital and intelligent development of finance, and the form of money is also developing. With the rapid development of information network communication technology, electronic payment has been popularized rapidly, and legal digital currency is also developing< China vigorously promotes digital currency, and the development of digital currency has great positive significance for China's economic development

finally, it is difficult for users to feel the difference between digital RMB payment and third-party payment in their daily consumption. In comparison, the use of digital RMB payment is more convenient than the third-party payment , and digital RMB payment is not limited by the network and payment scenarios. Digital RMB is the financial infrastructure built by the state, and there is no charge for the cashing and redemption of digital RMB. Digital RMB can be used to pay third-party payments. However, for those who need convenient electronic payment, people without financial accounts can also use digital RMB< Digital RMB supports controllable anonymity, which can better protect users' privacy