The change of currency form in the era of digital economy

1.

Currency was widely used in the exchange between two kinds of commodities in ancient China. Its evolution process first changed from shell to metal. After the unification of the six countries, it became square hole money. Later, with the change of the times, there were more years and days on the money. Later, in order to facilitate transportation, paper money came into being. The times are changing, and the corresponding changes, digital currency also came into being

the development of digital currency has only begun in recent years. In the past 14 years, the people's Bank of China organized a team to study digital currency, considering a series of issues such as where the technology will be proced and circulated. They started to prepare a lot of materials in order to make more people willing to accept digital currency{ RRRRR}

money has a long history and different forms. Once it is implemented, our transaction will become more convenient, mobile phones have no signal, they can also pay, and its issuing cost is also very low. Although the digital currency is still being tested and improved, I believe that in the near future, the digital RMB will settle down

2. Anyway, I know that there was a restaurant owner in Beijing three years ago who only accepted bitcoin for settlement. Now there are many digital currencies that can also be used for settlement

3. 24h volume refers to the trading volume of the currency within 24 hours. Generally speaking, the larger the trading volume, the more active the transaction, and the stronger the liquidity of the currency.
look at today's volume:

4.

E-money, in fact, is a revolutionary change in the clearing transaction and convenience of money. For example, if Taobao's online transaction develops well, China can completely get rid of the problem of slow development of banking instry e to the lack of clearing banks abroad. This is the weakness of European and American banking instry. They are still in the development stage of personal checks and credit accounts

However, China's use of online clearing and trading system, cloud computing and big data analysis and processing can better grasp the economic trend, better control the real assets, and bring about a sharp drop in the cost of currency transactions

the future development of money must be combined with the new achievements of human instrial economic development, including the application of technology, such as the changes of trade direction and rules (the former petrochemical instry brought light instrial proction efficiency and great convenience to people's life), so that the future form of money can be well grasped

The results showed that: 1; E-money is a kind of money that exists in non materialized form. Of course, that's right, because it is now the mainstream form, many times larger than the number of banknotes. If you ask about virtual currencies, such as bitcoin, it should be said that they will not become mainstream in the future, but they are an important form

extended data:

features of e-money:

(1) based on computer technology, it can store, pay and circulate

(2) it can be widely used in the fields of proction, exchange, distribution and consumption

(3) it integrates multiple functions such as financial savings, credit and non cash settlement

(4) e-money is easy to use, safe, rapid and reliable

(5) at present, the use of e-money usually uses bank cards (magnetic cards, smart cards) as the media

5. The development of commodity proction and exchange needs money. Money is the medium of commodity exchange. However, with the development of commodity proction, the increasing scale of commodity exchange has higher requirements for money as the medium of exchange. Not only the quantity of money should be able to be accompanied by continuous development. In order to meet this demand, money constantly sublates its external forms and graally moves from the low level to the high level.

6. 1) The form of money has evolved from physical money to metal money to credit money (paper money and deposit money); 2) The development of monetary form shows that the value of money itself as a commodity has less and less influence on the functions of money, and the monetary form has evolved from a commodity with real value to a symbol without intrinsic value; The development of money form is more and more convenient for money to play the role of transaction media; 3) The impact of the development of monetary form on Economy:
first, the development of monetary form from physical money to metal money, and then to credit money with paper money and deposit money as important forms, each change makes it more convenient for money to play the role of transaction medium, and the transaction efficiency is constantly improving; Second, when the form of money develops to the stage of credit money, the change of the amount of money is more flexible, which can better meet the needs of the rapid growth of goods and services and financial assets transactions on the transaction media; Third, a country's monetary authority can regulate the economy by adjusting the money supply.

7. The so-called digital economy refers to the use of digital technology, and through this technology can cause some fundamental changes in the current economic environment and economic activities of the economic system. Digital economy does not exist independently, but is a general term of an economic system, which can be seen as a brand-new economic system proced by the use of new digital technology
people from the Institute of prospective instry pointed out that from the perspective of the range of instries covered by the digital economy, basically all instries can apply digital technology, so from this perspective, all instries are covered by the digital economy. For example, if the software instry and information instry want to grow, they must rely on digital technology, so these emerging instries can be regarded as a part of the digital economy. In addition, some traditional instries in the Internet development trend, also began to use big data processing technology and digital technology, then these traditional instries will become part of the digital economy.

8.

Since the emergence of money, the form of money has been evolving and developing with the exchange of commodity economy and the development of commodity economy

different countries and nationalities in different periods, e to the differences in economy and culture, the materials used as money are also different, so the form of money is not exactly the same

Generally speaking, the form of money has gone through five stages: physical money, metal money, substitute money, credit money and electronic money

9. Imagine one: free connectome

with the connection of the Internet, the digital economy will create hundreds of millions of employment opportunities for the society and become an important cornerstone of promoting the development of people's livelihood and social stability. Hundreds of millions of indivials will become a free connector in the digital economic ecosystem, and there will be six trends in social employment in the future:

"platform employment" of "platform + indivial" will become the basic employment landscape

Internet based "entrepreneurial employment" will become an important way of employment

flexible employment such as U-disk employment, time-sharing employment and slash occupation will greatly improve people's happiness

the "distributed employment" based on network and across geographical distance will become more and more common

the instry, business and economic models based on digital technology are rapidly innovating, evolving and iterating, and a large number of highly segmented and rapidly evolving new occupations will emerge

with the help of digital technology, the disabled and other vulnerable groups, college students, migrant workers and other key groups will get more fair and valuable employment opportunities< It is predicted that in the next ten to twenty years, digital economy will create more jobs and employment opportunities, and human beings will be more inclined to become ballet dancers, full-time musicians, mathematicians, athletes, fashion designers, yoga masters, storytellers and so on, There will be a symbiotic relationship between human and machine

in the next 20 years, the eight hour working system will be broken, 50% of the labor force will realize self employment and free employment through the Internet, and flexible employment will become an important form of employment for people in the future

in the next two decades, artificial intelligence robots will replace 60% of the repetitive, boring and heavy labor in the manufacturing instry and 30% in the service instry, as well as a large number of home services, and artificial intelligence robots will become an important labor force, forming the technical unemployment of human beings in a specific period< The second imagination is "everyone economy"

under the network connection, every indivial has the power and the opportunity to become an active subject in the digital economic activities. Every indivial's innovation, entrepreneurship, creativity and creativity will be greatly released. New proction and operation modes such as everyone design, everyone manufacture, everyone sell, everyone consume, everyone trade, everyone bank and everyone logistics will graally emerge, giving birth to a new paradigm of human economic activities and forming a new scene of everyone economy< It is predicted that in the next ten years, significant changes will take place in the pattern of economy and instry, and the scale of digital economy will surpass that of manufacturing instry and contribute 25% of the global economy

crowdsourcing and crowdsourcing will become an important innovation way for enterprises and users to improve technology R & D and proct design. Users and consumers participate in R & D and design through the network, becoming a new channel for enterprises to gather wisdom and improve R & D and design ability

4D printing will become an important manufacturing mode to meet the personalized and fast needs

the rights of management, consumption and resource acquisition of natural persons will become the important rights of human beings in the era of digital economy. Everyone has the right to use the Internet to open online stores, open online car hailing, sell their own agricultural procts, exchange personal idle goods, etc; Everyone has the right to access goods and services on a global scale; Everyone has the right to equal access to financial inclusive services such as loans through their own credit and without guarantee

everyone for me and I for everyone will become a new form of the development of digital economy service instry. Every indivial has the right and obligation to provide financial support, logistics express and other services for economic and social activities, and obtain income and remuneration from them while obtaining financial inclusive services and efficient logistics services< In the next 20 years, the economic organization mode of "sharing platform + enterprise / indivial" will make a breakthrough. When small enterprises or indivials are connected to "platform economy", they will become powerful and can freely create, create, share and trade in the world like large enterprises. As long as an indivial has a roof, he can do solar business; Have a car to be able to do net about car; We can buy and sell glasses all over the world through mobile phones and even Internet

imagination 4: everything online and data explosion

Mobile Internet is like a powerful black hole, connecting everything in the world. By the end of 2016, the number of global Internet users will exceed 3.5 billion, accounting for about 1 / 26 of the world's total population. With the continuous improvement of people's online level, the online of things is also developing rapidly. People and people, people and things, things and things build an interconnected network. People and machines freely shuttle between the increasingly blurred boundaries of virtual and reality, weaving a vivid real-time online world together. The amount of data will show explosive growth and become the core factor of proction. Through online data, iterative algorithm and real-time calculation, we can match supply and demand and allocate market resources< It is estimated that in the next ten years:

more than one trillion sensors will be connected to the mobile Internet, more than 10% of clothes, shoes and glasses will be connected to the mobile Internet, and the first implantable mobile phone will also be launched

driverless cars will account for 10% of the car ownership in the United States. People will be more willing to use car sharing programs than private cars, and the mileage of using car sharing services will exceed private cars worldwide

more than 10% of the people have artificial intelligence personal assistants to help us buy vegetables, match food, give health advice, arrange itinerary, supplement knowledge, etc

natural human-computer interaction has become the mainstream. Human beings can communicate with machines through natural language, body movements and even thinking consciousness

the global data volume will exceed 230zb, and the zero manual intervention economic model based on data calculation will also increase rapidly, exceeding 10% of the total economy

calculation will replace power consumption and become an important indicator of economic activity< Imagine five: Reengineering economics theory

digital economy is an economic system with transaction and account as the center, and transaction efficiency far exceeds proction efficiency, which is different from the instrial economic system with proction as the center. From proction to consumption, from counter to platform, and from it to DT, the development of digital economy has brought three impacts on Economics: first, some specific fields such as market theory, instrial economics theory, marginal cost theory, game theory, employment theory, property right theory, competition theory, etc; The second is the basic hypothesis of resource scarcity and rational man; The third is methodology< It is expected that in the next ten years,

economic researchers will be more deeply involved in the practice of digital economy, creatively put forward the core concepts of digital economy, study the core issues of digital economy, and creatively construct the theoretical system or framework of digital economy

theoretical research on data property rights, C2B instrial organization, "platform + indivial" enterprise organization and Internet credit will make breakthroughs

a breakthrough has been made in the understanding and measurement of "platform economy", which has been accepted by all sectors of the society. As a special category, "digital economy" has become a new category of the national economic statistical system. Whether we embrace it enthusiastically or turn a blind eye to it, whether we are excited or anxious, we will be accompanied by great changes in technology. Imagine the future, many digital procts and services that dominate our lives and work are still on the way, and the creation of digital economy has just begun.