Is digital RMB electronic currency
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
response time: August 3, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious
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 bitcoine-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
digital currency is an index character RMB, which is a legal encrypted digital currency. It is not only a payment tool, but also a currency. It is essentially different from Alipay and WeChat payment. P> Alipay, WeChat payment and mobile phone banks are all electronic money, is 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 completely different from q-coin and bitcoin commonly referred to as q-coin and bitcoin, all 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 online game currency, which is mainly used for the purchase of virtual goods, but generally does not have security, so virtual trading platforms, such as smart star Witkey, XX one, XX eight, etc., are designed to provide secure trading protection. 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
Digital RMB can be as easy to circulate as cash, which is concive to the circulation and internationalization of RMB, and can also achieve controllable anonymity< On March 3, 2021, the Ministry of Commerce issued the overall plan for comprehensively deepening the innovation and development pilot of service trade, in which it was mentioned that digital RMB pilot projects should be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and central and western regions. The people's Bank of China formulates policy guarantee measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate.
it is also closely related to Internet technology and has the attributes of payment and circulation. The central bank's "digital currency" is closely related to bitcoin. But bitcoin is a kind of digital currency, but digital currency is not just a form of bitcoin. Although the central bank's "digital currency" veil has not yet been lifted, there must be many differences with bitcoin
first of all, the issuers are different
most currencies have an issuer. For example, RMB is printed and issued by the central bank. But bitcoin does not have a centralized issuer. It is generated randomly based on an algorithm. Anyone can mine, buy, sell or receive bitcoin
secondly, the acquisition methods are different
bitcoin is the result of unremitting "mining" by some people who master the algorithm. These real it experts need to search for 64 bit numbers by computer, and then compete with other gold miners by repeatedly solving puzzles to provide the required numbers for the bitcoin network and obtain the corresponding bitcoin
but the digital currency issued by the state is bound to face the people of the whole country, rather than some network experts. When the country strives to achieve the goal of Inclusive Finance, how can it only tailor a currency for Internet experts? The national version of "digital currency" is bound to help the realization of Inclusive Finance, facing the most extensive groups
in addition, the pricing is different
in the face of bitcoin, which is becoming more and more difficult to "dig", many experts are more energetic like upgrading to fight monsters. With the increasing difficulty of "mining", the price of bitcoin has also soared and fluctuated greatly
a national currency has to try its best to maintain its own stability. Naturally, it is impossible to price according to the difficulty of acquisition, just like collectibles, because of scarcity
in addition, the application range is different
at present, all countries, including China, do not recognize the monetary attribute of bitcoin. Some organizations may have accepted donations from bitcoin, and some supermarkets have said that they can pay with bitcoin, but this is only within a very small range
as a digital currency issued by a country, it must be able to meet the largest range of payment needs, especially with the evolution of mobile Internet, cloud computing, blockchain and other technologies, and under the background of great changes in global payment methods, the central bank's digital currency needs to meet the global payment needs
if the central bank's "digital currency" is very different from bitcoin, how is it different from virtual currency
people who have used QQ should be familiar with QQ coins. They need to change their clothes for QQ avatars and change their backgrounds for QQ spaces. Many Tencent online games also need QQ coins to recharge. Like this, there are many virtual currencies based on the network, such as the online currency of the network company, the recharge voucher of the game company, etc
as far as the scope of application is concerned, most of these online currencies are used to recharge games, purchase equipment and props, and cannot be paid offline; As far as the exchange method is concerned, in principle, virtual currency can only be purchased with real currency, but it is not allowed to convert virtual currency into real currency; As far as issuance is concerned, it is launched by enterprises themselves, some of which are like "vouchers" rather than real currency
therefore, although the issuance of "digital currency" by the central bank inevitably requires payment transactions on the Internet, the principles and methods are different from those of virtual currency
especially at present, when many enterprises issue virtual currency, e to their own lack of risk prevention and control and security awareness, they leave an opportunity for some criminals to swipe bank cards, sell stolen goods and launder money. If the central bank's "digital currency" is issued, whether it will replace these online virtual currencies and make the online payment environment safer, healthier and more transparent is a question worthy of consideration.
The main differences between digital RMB and electronic payment are as follows:
1. Digital currency belongs to legal currency, while electronic payment is only a means of payment
in fact, digital currency is the legal currency of our country, which is exactly the same as the paper currency used in our daily life
but the existence of digital currency is electronic, not paper money
but electronic payment is not money, just a means of payment. Alipay, WeChat and other payment methods, they are only legal tender payment. P>
two, digital money supports RMB account loosening lotus function
from the intuitive perception of consumers, using central bank digital money to pay and use WeChat and Alipay payment, experience is not very different. But it's different in nature. WeChat and Alipay are only payment tools. The two channels still use the balance of personal bank cards. Digital currency is the legal currency in the form of digital issued by the people's Bank of China, which has the characteristics of currency stability and security, and is equivalent to cash. Moreover, digital RMB has the nature of legal compensation, and can pay all public and private debts in China. No unit or indivial can refuse to accept it when they have the conditions to accept it. Moreover, digital RMB supports al offline payment. Even when both parties are offline, digital people can pay like paper money. For example, when two people's mobile phones have personal digital wallets, even when there is no signal or network, a series of operations such as transfer and payment can be completed by touching two mobile phones
compared with traditional banknotes and coins, they are easy to be forged anonymously, and have the risks of money laundering and terrorist financing. On the one hand, digital RMB can keep the property of cash, while meeting the needs of portability and anonymity; On the other hand, the people's Bank of China can grasp the full amount of information, analyze the transaction data and capital flow by using big data, artificial intelligence and other technologies, prevent and crack down on money laundering, terrorist financing, tax evasion and other illegal and criminal acts, and effectively maintain financial stability