Digital currency instead of electronic currency

1. Currency: in essence, it is a contract between the owner and the market about the right of exchange, and it is essentially an agreement between the owners. The essence of money contract determines that money can have different forms, such as general equivalent, precious metal money, paper money, electronic money and so on. Its basic function is the measure of value and the means of circulation—— Extracted from the Internet

fiat money: it means that it does not represent real goods or goods, and the issuer has not cashed the currency into physical obligation; A currency that becomes legal currency only by government decrees. The value of fiat money comes from the owner's belief that money will maintain its purchasing power in the future. Money itself has no intrinsic value, that is to say, when the paper money comes into being, legal tender is essentially the negotiable paper money stipulated by law

the legal currency of the people's Republic of China is RMB, and the people's Bank of China is the national authority in charge of the management of RMB, which is responsible for the design, printing and issuance of RMB—— From the Internet

e-money: in fact, it is the electronization of legal money, including our common bank card, online banking, e-cash, etc; There are also third party payments developed in recent years, such as Alipay and WeChat payment. No matter what the form of these electronic money is and through which institutions it circulates, its original source is the legal money issued by the central bank

virtual currency: virtual currency refers to non real currency, and its existing state is intangible. The most important difference between virtual currency and electronic currency in narrow sense is the difference of issuers. Virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, game currency, q-coin, and ticket counting are mainly limited to circulation in a specific virtual environment

digital currency: digital currency which applies the latest digital network technologies such as blockchain, has the characteristics of Distributed Accounting, unique encryption technology, decentralized settlement, etc. Of course, digital tools with these characteristics must be supported by national credit if they want to become sovereign currency or legal tender

therefore, digital currency must be currency; In today's social system, money must also be sovereign money or legal tender. Secondly, digital currency must have the basic attributes and main functions of currency.

2. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and obtaining data representing the same amount, or the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic means, so that transactions can be carried out. Strictly speaking, it is a kind of currency that consumers use the bank's Internet banking service to store value and make quick payment to the issuers of electronic currency, and make consumers trade electronically through media (two-dimensional code or hardware equipment)

digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy. Digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form

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3.

1. Application of different

digital currency: fast, economic and safe payment and settlement; Bill finance and supply chain finance; The real right of collateral is digitalized

e-money: the seller sends the buyer's payment instructions to the seller's acquiring bank through the payment gateway; The acquiring bank obtains the authorization from the issuing bank through the bank card network, and sends the authorization information back to the seller through the payment gateway; After obtaining the authorization, the Seller shall send the buyer the shopping completion information. If payment acquisition and payment authorization cannot be completed at the same time, the seller should send payment acquisition request to the acquiring bank through the payment gateway, and transfer the transaction funds from the buyer to the seller's account. The final inter-bank settlement is completed by the payment system between banks

2. Different characteristics

digital currency is characterized by low transaction cost, fast transaction speed and high anonymity

e-currency is characterized by anonymity, saving transaction cost, saving transmission cost, small holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, and non traceability

Digital currency can be divided into three categories: completely closed, unrelated to the real economy and only used in specific virtual communities, such as world of warcraft gold; It can be purchased in real currency but not converted back to real currency, and can be used to purchase virtual goods and services, such as Facebook credit; It can exchange and redeem with real currency according to a certain ratio. It can purchase both virtual goods and services and real goods and services, such as bitcoin

e-money: e-cash based on the Internet environment and keeping the binary data representing the value of money in the hard disk of the computer terminal; An electronic wallet that keeps the value of money in an IC card and can be circulated out of the bank payment system

4.

1. Digital currency

digital currency is an alternative currency in the form of electronic currency. Both digital gold coin and password currency belong to digital currency

digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography

features: the use of P2P peer-to-peer network technology to issue, manage and circulate currency theoretically avoids bureaucratic examination and approval, so that everyone has the right to issue currency

Electronic money means that a certain amount of cash or deposit is exchanged from the issuer and the data representing the same amount is obtained. By using some electronic methods, the data is directly transferred to the payment object, so that the debt can be paid off. Strictly speaking, consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form. In short, when we deposit money into our bank account, there will be an extra number in the bank account, which means how much money we have saved. In this process, we give the banknotes in our hands to the bank, and the bank adds a number to our bank card, which is our electronic currency

features:

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e-money and paper money (or physical money) can be easily converted to each other

the data of electronic currency corresponds to the same amount of physical currency

we need to pay physical money to the issuers of e-money (banks and other financial institutions) in order to exchange for the same amount of e-money

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3. The similarity between digital currency and electronic currency: both exist in the form of electronic data

The differences between digital currency and electronic currency are as follows:

electronic currency has an issuing institution, and the corresponding amount of physical currency in the institution can be exchanged with physical currency; However, digital currency has no specific issuing institution (decentralization) and can only exist in network data

at present, there is no international consensus on whether digital currency is a currency or not, so in China, the main form of digital currency is "investment proct", which is a rather risky investment proct, and only a few businesses are willing to accept digital currency consumption; Of course, some countries (Germany, etc.) have officially recognized the currency status of digital currency

5. Here's what central bank governor Zhou Xiaochuan said: in the future, digital currency will graally replace traditional currency
we can't say the timetable of digital currency yet. China has a large population and a large volume. For example, a new version of RMB can be changed in a few months for small countries, but it will take about 10 years for China. Therefore, digital currency and cash will be parallel and graally replaced for quite a long time. In the later stage, the transaction cost of cash will graally rise. For example, in the past, banks were asked to count a large number of coins, and there was no charge for them. Later, they may need to charge. With the incentive mechanism, people will naturally use more digital currency, but the two will still co deposit in the longer term
the central bank's issuance of digital currency is also inspired by cryptocurrencies such as bitcoin and lettercoin, and the European crowdfunding model of combining digital currency with real assets also draws on the experience of bitcoin.

6. Electronic money, like what Alipay is, is an electronic currency transaction.
digital currency, bitcoin? There is no real value.

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8. This paper examines the basic functions of money. From the meaning of the title, we can see that digital currency can be used for real trade in goods and services, which shows that it can be used as a medium for commodity transactions, and D is in line with the meaning of the title. Investment is risky, and a is absolute. Digital currency is not issued by banks, excluding B. The material does not reflect the development trend of paper currency form, and C has nothing to do with the theme.