Legal issues of digital currency of central bank

1.

It's illegal

the central bank indicated that it has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency

In addition, the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud

extended information:

virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. This kind of virtual currency is mainly limited to circulation in a specific virtual environment. Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency

in 2013, the central bank, together with five ministries and commissions, issued the notice on prevention of bitcoin risks, which clearly defined non legal digital currencies such as bitcoin as virtual commodities, which do not exist in the form of currency and legal currency

2.

To guard against the possible risks brought by bitcoin, we know that digital currency represented by bitcoin has high risks. This kind of risk is mainly reflected in two aspects: first, the limitation of digital currency makes it used as investment goods, and the price is extremely unstable. Those who do not understand the principle of digital currency and pay too much attention to speculation are easy to suffer losses for various reasons

Secondly, national digital currency is linked to its own legal currency to a certain extent, so it effectively avoids the price volatility of bitcoin. Because the CBDC issued by our country is guaranteed by the credit of the central bank, it must be a stable currency. In today's international situation, the research and development of digital currency in China is of great significance. The introction of digital currency is not an expedient measure, it has become the development direction of China's future currency

3. Digital currency is a kind of legal encrypted digital currency, which is not only a payment tool but also a currency. It is essentially different from Alipay and WeChat payment. Alipay, WeChat payment and mobile phone banks are all electronic money, not digital money. These are all payment methods based on electronic accounts, which are in essence just a process of informatization of legal currency, not digital currency in a strict sense
moreover, it is totally different from q-coin and bitcoin. Commonly known as q-coin and bitcoin, these belong to virtual currency. Compared with digital currency, the most fundamental difference lies in the difference of issuers

virtual currency is the electronization of illegal currency. The issuer is not the central bank, and it can only circulate in a specific virtual environment, such as Tencent Q coin and other game coins; 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 illegal digital currency

4. Central banks study numbers or currencies. Electronic money and paper money will have a certain impact. It reces the circulation of paper money. Improve the speed and efficiency of circulation.

6.

There is no consistent definition of direct banking in China. In general, direct banking is a way that banks break the traditional counter business and can directly handle business on the Internet in order to attract more users and facilitate the use of customers. Users can handle business through web pages, mobile terminals, etc, Save a lot of waiting time for both sides. The business philosophy of this mode is to develop towards faster and more convenient business processing, which greatly reces the time and energy spent by users in banking business processing. Compared with the traditional banks in the past, direct banks mainly have the advantages of strong network dependence, accurate business procts, low cost, convenient and fast, but the relative strong network dependence is also a major factor hindering the development of direct banks. These characteristics make the transaction process of direct bank very simple, operation time is short, the staff is reced a lot, the use of fixed equipment and original procts is reced a lot, and the cost is greatly reced, which is an innovation for the bank to survive in the increasingly fierce competition

There are four trends in the development of direct banking

Technology enables the development of direct banking. The application of cloud computing, big data, artificial intelligence, blockchain and other new generation information technology will fundamentally change the operation mode of direct banking, improve service efficiency and level, and rece service cost. The specific ways are mainly reflected in the following aspects. One is to further improve user experience and service efficiency by introcing new technologies such as machine learning, virtual reality and biometrics; Second, through cloud computing, distributed architecture and other solutions, reconstruct the infrastructure deployment mode, rece operating costs, and build the ability to serve a large number of customers; The third is to use big data to improve the level of risk control, anti fraud, proct pricing, precision marketing, intelligent investment consulting, etc. In addition, blockchain and other technologies can provide strong support for the new financial transaction mode

In the process of using financial technology, on the one hand, direct banks should grasp the development trend of financial technology, and lay out the field of financial technology by strengthening talent reserve and technology accumulation, and communicating and cooperating with third parties. In the process of continuously enhancing the ability of self-control of core technologies and optimizing and improving the efficiency of the overall science and technology system, we should carry out learning and Research on emerging frontier technologies, apply innovation, cultivate data thinking, establish cooperation mechanisms between internal and external parties, and strengthen mutually beneficial cooperation with frontier high-tech enterprises in big data, cloud computing, artificial intelligence, blockchain, etc, Innovative laboratories such as intelligent risk control and precision marketing can be set up in the form of joint construction, and innovative projects can be researched and implemented to build an intelligent financial technology system with strong cloud computing and big data processing capabilities. On the other hand, it is necessary to build a standardized open business platform, formulate standardized cooperation docking process, build a standardized merchant cooperation platform system integrating docking, joint debugging, testing, online and operation management, quickly and efficiently promote technology docking and financial services standardized output, and use scientific and technological means to improve business capacity

2. The development strategy of platform will become the priority of direct banks in the future. In recent years, platform economy is rising rapidly. Among the top 10 companies with global market value in 2017, platform enterprises occupy as many as six seats, namely apple, Google, Facebook, Amazon, Alibaba and Tencent. Platform economy has become a worldwide trend business model and a new economic development paradigm, which has promoted the major changes in proction and lifestyle, and has increasingly become an important part of social economy

for commercial banks, the rapid development of platform economy has brought both opportunities and challenges. Platform enterprises gather a large number of merchants and customers. Merchants and customers have financial service needs. The platform has financial cross-border cooperation, data commercialization, business compliance and other needs, which puts forward new requirements for the traditional customer acquisition and service mode of commercial banks. The platform has rich resources such as business flow, logistics and capital flow, and is an important customer group of commercial banks

direct banking service platform will become the future trend. Through the construction of financial service intermediary platform, the direct bank realizes the integration of basic procts and services of the bank, interbank, non interbank and other institutions in the proct end, and creates the financial cloud of wealth management, network financing, payment and settlement, big data services. In terms of customer service, it will realize the integration of platform enterprises, small and medium-sized enterprises on the platform, small and medium-sized enterprises on the platform Comprehensive and comprehensive services for consumers on the platform

in the face of different platforms in the fields of consumption, instry and government affairs, the strategies of financial intermediary service platform constructed by banks are also different, which can be built according to three modes

(1) for those related fields that have not yet formed a platform for aggregation and specialization, direct banks can integrate internal and external resources, open up key nodes through self construction, M & A, investment and other forms, and build an in-house financial intermediary service platform to cover the whole scene of subdivided instries. Taking the acquisition of auto home by Ping An Trust in 2016 as an example, auto home, as a domestic auto vertical professional media, will not only obtain strong support from Ping An Group in terms of capital, but also become an important part of building an all-round auto service ecosystem for Ping An group. To build a platform model, it is generally necessary to rely on the resources of the group or parent bank to form a synergy of public and retail business; In addition, banks need to define their own service boundary, avoid large and comprehensive platform, resulting in excessive resource investment, and it is difficult to meet the personalized needs

(2) if a specialized platform has been formed in relevant fields, or the platform has not extended to the financial field e to regulatory requirements, direct banks can export financial procts and services through docking with such platforms

(3) the relevant fields have formed monopolistic resource integrators, and the services have been extended to the financial field, so it is difficult for banks to build their own platform to let the participants settle in. The relatively feasible solution for direct banks is to provide funds and financial services to the platform

3. Service scenario. In the future, direct banking procts will be a standardized proct that can be easily embedded into various financial scenarios. According to the view of a bank's senior financial practitioners, it is financial media. In the future, Internet banking and direct banking will become media tools for a bank to carry out mobile financial transformation. In the Internet dimension space, Internet banking and direct banking will become media tools, As a medium like air, it permeates into various scenes of financial services

4. Independent organizational structure. Most foreign direct banks adopt the independent legal person business model, and China's direct banks will graally develop in the direction of independence. With the official opening of Baixin bank, the first independent legal person direct bank in China, several independent legal person direct banks may be approved. The independent organizational structure of direct bank will have a positive impact on proct innovation, risk isolation from parent bank, mobilization of team enthusiasm, cost accounting, customer management, science and technology development mechanism, etc

In the process of independent corporatization of direct banking, the introction of external strategic investors will become one of the options. Through the introction of strategic investors, the capital strength can be improved. At the same time, through the docking with shareholders' resources, technology, scene, etc., the construction and development ability of direct banking ecology can be rapidly improved, and the coordination and win-win between direct banking and shareholders can be realized

7. The first thing for a novice is to use a research ship to explore all the surrounding galaxies. Starting from the place of origin, you can select the research ship, right-click a galaxy on the big map, and select to explore the whole galaxy automatically. It supports multi-step exploration of multiple galaxies. After the exploration, the available resources will be displayed on the map
2. The second thing is to use engineering ships to build new mining facilities on the explored resources. It is suggested that priority should be given to minerals (Red Diamonds), then electricity, and finally scientific research
3. When the purple influence points and minerals are enough, new outposts can be built in the non imperial and fully explored galaxies. After the outposts are built, the star area and some surrounding star areas will be merged into the imperial territory. Only the galaxies in the imperial territory can be used to build resource points with engineering ships
4. Don't be idle in the docks. When the resources are enough, the frigates should not stop. If you want to become a powerful empire, the initial 20 frigates are necessary
5. By default, non combat ships will automatically run back to the nearby galaxy and interrupt the mission when they encounter enemies. Those who are not afraid of death can be set not to run away. Use frigates to quickly clean up the surrounding evil forces
6. After the pirate base appears, it is necessary to carefully explore the surrounding Star area, and nip it in the bud, so as to avoid endless danger
7. Don't retreat when you encounter alien forces blocking your development path in the early stage. 20 frigates are enough to destroy it. If you want to annex him, remember to drag his territory (red) to the menu on the left side of the diplomatic menu when the war starts. You can understand that after playing P club, it is the goal of War (the profit after victory). The maximum war score can't exceed 100. If it exceeds 100, you can only annex him in several wars. If you don't choose anything, it's just a demonstration war, As long as you can't defeat the main fleet, you will surrender unconditionally, and you won't get anything. If you want to conquer him, they will fight to the last person
8. If you want to establish a good relationship with the neighboring countries as soon as possible, you can only send three ambassadors at the initial stage, and bring them into your alliance or join his alliance at the first time. There are more than 20 forces fighting alone
9. Among territorial leaders, the best attribute is one book + scientific research. Among the scientific research leaders, the best scientific research characteristic is "inspiration" full technology + 10% speed, and the best exploration characteristic is "vagrant" with several footprints speeding up the exploration speed by 15%. Don't miss such a leader
10. When the territory expands and there are more colonies, it is necessary to set a colony in the upper right corner of the internal affairs kitchen knife planet management interface (New Star area) to be the capital of the star area, and give the nearby galaxies to AI trusteeship. Otherwise, if the territory directly under the central government exceeds the upper limit, huge profits will be reced. Many newcomers complain that they can't play after the Empire expands, but they just don't find this function
11. In the process of colonization, it is not the only way to encounter the primitive civilization's non military conquest. You can first send an engineering ship to set up a monitoring station, and then send your people to integrate into his ethnic group through genetic transformation to become a mixed leader, and finally subvert his regime and merge into your territory peacefully (Martians play with the earth?), There are many similar events, depending on your race, personality, scientific research level, etc. those who say the game is monotonous can only ha ha
12. You have countless ways to deal with the alien life living with you, which also depends on your political system, scientific research, racial character (belligerent or peaceful, collective or indivial, purification or pluralism, etc.), you can enslave them (or even sell them to other aliens as alien pets), exile them (see movie area 9), It's up to you to drive them to the wasteland where birds don't lay eggs and starve to death. You can also intermarry with them and realize pluralistic integration and peaceful coexistence
13. You should focus on macro strategic planning, how to flirt with aliens, and how to achieve political reform. As for what kind of buildings should be built in each colony, you, as a super leader, should worry about it. You should hand them over to the director of the Star district as soon as possible, or you will be as tired as the headmaster
14. The internal affairs menu is very deep, ranging from imperial government decisions, parliamentary management, to the formulation of indivial laws and regulations (allowing or not allowing alien immigrants, slavery, alien cleansing program, etc.) all need to be mastered by you. In addition, you can spend influence points to control your empire's macro bonus rection through some short-term or long-term bills
let's teach you so much and study it well, young man. Although it's a 4x space game, it's a p club game after all. The water depth is not comparable to other 4x games of the same kind
more related content can be searched:
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8. The digital currency that the central bank plans to launch has no legal risk. The digital currency pushed by the central bank is not encrypted digital currency such as bitcoin, Leyte coin and doggy coin, nor is it a token similar to the European crowdfunding platform. It's a digital currency issued by the central bank

it is also very normal for the central bank to issue digital currency, which is also the trend of the times. It is the future development trend for digital currency to replace paper currency. Paperless transaction has been tried in some developed countries.