DCEP digital currency bank docking
The digital currency of the central bank is DCEP
the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency
The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous
extended data
Application of digital currency
I. fast, economic and safe payment and settlement
cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed
At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:3. Bill finance and supply chain finance
in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs
reference materials
network digital currency
It's not true
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. 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. The general public should raise their risk awareness, invest rationally and prudently, and prevent the interests from being damaged. The legal currency of our country is RMB. RMB shall be uniformly printed and issued by the people's Bank of China
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precautions:
in the whole process of digital currency promotion, we should pay attention to the overall financial stability, guard against risks, and protect consumers, especially in large economies, to prevent big losses. We should test step by step to promote it. We should grasp the direction, and emphasize financial services for the real economy, Prevent excessive speculation P>
digital money does not need to bind any bank account when it is paid. Unlike WeChat and Alipay, it needs to bind the bank card. DCEP does not need to bind the bank account. Unless it is necessary to charge DCEP or to withdraw money from DCEP, it is unnecessary to transfer account between users and users. p>
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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usbt is a digital currency, which is a virtual currency. It is traded in US dollars. As long as you buy in the right direction, you can exchange US dollars. It is based on the range of rise and fall. For example, if you buy up and then go up, you will earn US dollars, otherwise you will lose; Buy down, and then the market fell is also a profit, and vice versa is a loss
DLC is digital smart currency, a regional chain platform, similar to usbt.
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