Digital currency adaptation
according to the prospective instry research institute, an investment institution, the current upsurge of various types of digital currency financing does not mean that digital currency is becoming more and more popular as a currency. On the contrary, it is regarded by some people as "digital assets" to store, hype or use for illegal purposes, which can not but arouse enough attention and vigilance.
The hot sale of applepay payment has caused quite a stir. Convenient digital payment makes "digital currency" a hot topic again as early as January this year, the central bank said that it would actively absorb the important achievements and practical experience of digital currency research at home and abroad, and strive for the early launch of the digital currency issued by the central bank. Recently, central bank governor Zhou Xiaochuan mentioned "digital currency" again in an interview with the media. Obviously, digital currency may not be far away from us
why issue digital currency
" In a few years, cash may not exist; This new trend has overturned many people's usual ideas. However, in order to explore the essence of money, its contractual nature determines that it can have different forms of expression. It is not surprising that money has changed its appearance in different historical periods“ From the perspective of historical development trend, money always evolves with the development of technology and economic activities. From the early physical currency, commodity currency to the later credit currency, it is a natural choice to adapt to the development of human commercial society. " Zhou Xiaochuan, governor of the people's Bank of China, said
many procts of blockchain technology are not currency, although they are called currency. Under the guise of digital currency investment, it is a Ponzi scheme. Even some of them don't even have blockchain technology, which is just a fake number to cheat people.
What is the intention of the central bank to launch digital currency? It is likely to replace paper money, because its function is exactly the same, it only exists in digital form, will not be damaged, and is also convenient for the central bank's quantitative management. Now the technology is very developed, digital currency transactions do not even need the network, two mobile phones touch, the money is paid
most of the practices of credit currency in human history are centralized issuance. Under the most mainstream sovereign credit currency system at all times and in all countries, the issuer of credit currency agrees to be the government, and the government is the central debtor. After the establishment of modern people's bank system, the people's Bank acted as the central debtor on behalf of the government. This kind of currency issued by the government (or its representative) is generally called legal currency. The government compulsorily guarantees its legal solvency and can repay all the debts within its jurisdiction, which cannot be rejected. In the history of mankind, there are also examples that the currency is not issued by the government, for example, it is issued by reputable merchants, and the surrounding people trust it, such as Sichuan jiaozi in Song Dynasty, but it is also the central debtor, but the scope is smaller. In the past, there was almost no completely "decentralized" currency, because it was impossible for Zhang San to issue an IOU to Li Si and Li Si could not use it for payment to Wang Wu by letting all the people outside the center act as debtors (temporarily called non central issuers)