The necessity of central bank developing digital currency

1. The issue of digital currency has many benefits and is imperative. According to the central bank, digital money and paper money will coexist for a long time to come. When people go to the bank to withdraw money, they can not only withdraw cash directly, but also exchange it into digital currency. In Xiaobian's opinion, the establishment and issuance of digital currency system can not only make people's transactions more convenient and safe, but also graally weaken the proportion of paper money in the real circulation, which will also have a positive impact on the electronic disk of postal money card
when people are used to digital currency, paper money will graally withdraw from the circulation market and enter the collection field. In the new environment of payment and circulation, the traditional paper money will become a symbol of an era and a memory of people. The paper money that used to circulate in the market will also become a kind of cultural and artistic investment goods, active on the electronic disk of the post money card. And those earlier and even rarer coins will also stimulate their prices to rise in this situation. It can be seen that the central bank's graal promotion of digital currency will have a profound impact on people's living habits and investment and financial management, which is worth looking forward to Sohu)
however, digital currency does not have to be used for payment. Some domestic application-oriented digital currencies have begun to find another shortcut and come out with a different truth. For example, coin Ying China crowdfunding project token; Puyin group launched the tea based digital currency Puyin.

2.

The digital currency developed by the central bank has such a definition: encrypted digital string representing specific amount guaranteed and signed by the central bank . In a broad sense, digital currency includes a wide range of aspects, including electronic currency, virtual currency and legal digital currency. But strictly speaking, the digital currency developed by the central bank refers to legal digital currency

electronic currency is the digitalization of legal tender, including our common bank cards, Internet banking, electronic cash, Alipay and so on. 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

In contrast, virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q coin and other game coins, such virtual currency is mainly limited to circulation in a specific virtual environment; bitcoin, for example, solves the problem of decentralization and distrust through blockchain technology, realizes global circulation, and is sought after all over the world. In other words, virtual currency can only be closed in the network circulation, and 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

the digital currency researched and issued by the central bank is indexed RMB, which belongs to legal encrypted digital currency from the perspective of national schemes, and it is not only a payment tool but also a currency itself< the purpose of digital currency issued by the central bank is to replace physical cash, rece the cost of traditional paper currency issuance and circulation, and improve the convenience and transparency of economic transactions

hope to adopt

3. The establishment of the digital currency Research Institute by the central bank can speed up the pace of launching digital currency by the central bank
the "trace" and "traceability" of digital currency can improve the convenience and transparency of economic transactions. Economist Yu Fenghui said that money laundering, tax evasion and other criminal activities are expected to decrease. At the same time, with the application of blockchain technology, a unified account book will be established nationwide or even worldwide, so that every sum of money can be traced back. Tax evasion and money laundering will be within the scope of supervision, and it is even possible to realize automatic tax dection on the card machine
in the future, the digital currency launched by the central bank will become the mainstream, and the digital currencies such as lightcoin, bitcoin and decent may be marginalized.

4.

According to reports, the world's major central banks are focusing on digital currency. Some countries have clearly put forward the plan of issuing legal digital currency. For example, the central banks of Canada, the Netherlands, Australia, Russia and other countries have already announced the launch of digital currency research

different from the centralized delivery of traditional electronic payment instruments, the fund transfer of electronic payment instruments must be completed through the account, which adopts the account tight coupling mode, while the central bank's digital currency should be based on the account loose coupling mode, so that the transaction link's dependence on the account is greatly reced, and the central bank's digital currency holders can directly apply it to various scenarios, It is concive to the circulation and internationalization of RMB

According to the experts, digital currency was born in the existing financial system and will inevitably be affected by the existing payment system and information technology. Theoretically speaking, the payment system mainly deals with the demand deposit part of the broad money, while digital currency mainly belongs to the category of cash

source: bit110

5. On January 20, 2016, the people's Bank of China announced on its website that it held a seminar on digital currency. At the meeting, the central bank asked its digital currency research team to "strive for the early launch of the digital currency issued by the central bank". Similarly, central banks such as the Bank of England and the Bank of Canada are planning or considering issuing their own digital currencies. After the advent of bitcoin triggered a wave of private issue and de nationalization of digital currency, the digital currency issued by the central bank seems to have become a global trend

digital currency is a new technology, which is different from the traditional electronic payment tools used by online banking and third-party payment companies. It is developed on the basis of a series of new technologies - they are not tools to transmit money; They are money in themselves. Among them, digital currency based on cryptography is also called cryptocurrency. Bitcoin is a model of this kind of digital currency. After its birth, it inspired many similar systems. Some commercial banks and central banks have also begun to develop their own digital currency. According to the different issuers, we can divide digital currency into three types:
1. Digital currency issued by non-financial institutions

in November 2008, a man named Nakamoto Tsung invented a new technology called blockchain and designed a point-to-point e-cash system, namely bitcoin, for the first time. On January 3, 2009, Nakamoto completed the code development of bitcoin. Due to its point-to-point and electronic nature, bitcoin can be passed directly between two people without the need for a centralized settlement institution. Therefore, it is a fast, low-cost, borderless payment system
2. Digital currency issued by commercial banks

some large international financial institutions have taken a fancy to the low-cost, fast and safe characteristics of digital currency, and began to try to use its underlying technology, namely blockchain technology, to develop their own digital currency. For example, four of the world's largest banks, UBS, Deutsche Bank, Santander bank and New York Mellon bank, are already involved. Their digital currencies are similar to those mentioned above, but their issuers are different. It is particularly noteworthy that financial institutions develop digital currency to meet the needs of their own rapid clearing transactions, rather than challenge the financial situation by replacing the legal currency issued by the central bank. The domestic Puyin group also launched Puyin
3. Digital currency issued by the central bank

some central banks, such as the people's Bank of China and the Bank of England, also plan to launch their own central bank digital currency after some research on digital currency. Technically, CBDC is the same as the above two, but e to its special identity, CBDC will have a greater economic impact, which is the reason why the central bank wants to introce CBDC.

6.  
the basic threshold of Minstry is a little high. Let me talk about the new strategy today< 1. Defense facilities: basic technology, necessary items for defense
according to size, it can be divided into small (1x1), medium (2x2), large (3x3) and super large (4x4)< The attack targets can be roughly classified as ground, air, land and air joint

2. Mineral drill: the only way to obtain materials except hand drill can be divided into electric drill and non electric drill. The mining intensity of each miner is different. Let's talk about the mineral hardness. Different minerals have different hardness, and the corresponding mining speed is different. For example, if the mining intensity of dart is one, it can only dig minerals (copper, lead) with hardness less than or equal to one, but not minerals (coal, titanium, thorium) with hardness higher than one

3. The transportation system (solid) does not have one of the necessary materials for each bureau
it can be roughly divided into conveyor belt, conveyor bridge, material cannon and connecting equipment
conveyor belt: directional three-way access, basic transport materials (attachment: transport speed is directly related to distance, and can be accelerated)
conveyor bridge: directional multi terminal access, basic transport materials (attachment: transport speed is not related to distance, and can be accelerated), No acceleration)
material Cannon: directional single end entry, advanced transport material (attachment: transport speed has an indirect relationship with distance, which can be accelerated)
connecting device: non directional four side entry, basic transport material (attachment: transport speed has a direct relationship with arrangement, which can not be accelerated (warning: simultaneous router is extremely not recommended))
4, The details are the same as above, but the simultaneous router will not affect too many speed 5, power, extremely important resources in the later period The key points of drawing are connection points. The hubs that can be connected with multiple objects have upper limit of connection (Note: the connection points are connected with each other to occupy the connection space), battery, temporary power storage unit, rectifier effect diode with reference to actual capacitance, anti negative power (I'll do the tutorial next time, this is the new strategy) power station, power generation unit. There is the nature of blood loss (Note: power generation materials are explosive, the higher the probability and rate of blood loss), and the priority of new technology is pump and turbine. 6. Walls are defense units that block bullets. Some penetrating ammunition can't block them. They can be roughly divided into three categories. Ordinary, special effect, door ordinary, is the literal meaning of anti injury, there is no other special effects. For special effects, the plastic steel wall (absorbing arc, including its own side (Note: it can be used as a small battery without reserve (maybe the next tutorial), the special effects of small plastic steel and large plastic steel are the same), the fabric wall (rebounding most bullets), and the alloy wall (being hit will be blebbing discharge) are extremely not recommended to be used with the plastic steel wall. Door, own door, click to switch (disappear) 7, factory, used to upgrade the raw materials of advanced items The only thing to be reminded is that routers should not be put together with factories. Because the router is not directional. The material from the factory will flow back into the router. You'll get stuck in your purchase belt 8, arms factory, input materials and electricity to build troops. There's nothing to introce. The command post is an offensive unit. There are three commands (attack (start to the enemy's core, no, just go to the nearest monster's birthplace), assemble (circle around the command post), and retreat (circle around the factory)) to repair the unit. The injured unit will automatically go to the repair device and turn around. 9. Transform the platform to change your armor. The basic data of each set is different. See for yourself in detail 10. Other items, a mess of things, repair instrument (knock on the blackboard), give the surrounding friendly building units the percentage health value every second Accelerator (tapping on the blackboard). The point is that the official introction letter is wrong. It can accelerate almost all items (I have marked those that can't be accelerated) and can be superimposed with other acceleration effects (such as the water of the mining machine or the coolant of the battery). The shield is superimposed by multiplication. The absorbing bullet (note that the absorbing bullet) has shield capacity and threshold, (shield capacity: as the name suggests, it is the upper limit of the damage a shield can take) (the threshold is the amount of recovery per second of the shield capacity (which can be accelerated by liquid)) (cooling is the recovery speed of the shield after being blasted (which can be accelerated by liquid)). It can't be accelerated by accelerators to store goods and materials. There's nothing to introce about this use. Expand the core capacity, Next to the core manufacturing complex (I think the biggest use is to increase the core interface) launch pad, launch materials (to your space station, you can unlock the technology tree, or bring it down (start)). This launch material (next to the core manufacturing complex) is not easy to introce. When it is powered on, it can be launched as a percentage of all materials (only basic technology can, other mod's are quantitative launch)

7.

digital currency leads the new financial pattern

with the acceleration of China's central bank's digital currency field, more and more central banks begin to pay attention to the central bank's digital currency field. It can be predicted that in the future, the central bank's digital currency will be an important direction for countries to compete in the financial field{ RRRRR}