It is convenient for central bank to issue digital currency
Publish: 2021-05-26 15:56:28
1. Has
paid for Alipay and WeChat? Is it convenient? Then the central bank's digital currency will make you feel so convenient. And the most important thing is that the central bank belongs to the state, which, in terms of security, makes people feel more at ease . Most importantly, using the central bank digital currency, you will find that it can burst the existing Alipay and WeChat payment. RRRRR}
how to use digital currencyabout how to use it, it is very simple for people who are used to digital payment. Code scanning payment, remittance transfer and collection and payment code are often used in daily life. With a mobile phone, there is everything. However, the people's Bank of China has also launched touch payment, which is more interesting. It only needs to touch payment on the premise that both sides have digital wallets. Although this is a bright spot, it still needs a lot of consideration. Although we don't know the specific operation mode, it sounds very interesting. In addition, there are wallet management, wallet attachment, DC exchange and query. Among them, there is no detailed introction about the attachment of wallets, but the visual inspection should be related to third-party organizations and other services. In general, as long as you download the digital wallet on your mobile phone, you can see it at a glance
2. The people's Bank of China has designed a two-tier architecture for digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
3. The central bank has not yet issued digital currency. If the issue is the same as the current RMB, it is only in different forms<
popular science: digital currency (digiccy) is an alternative currency in the form of electronic currency. Both digital gold coin and password currency belong to digital currency. It can not be completely equivalent to the virtual currency in the virtual world, because it is often used for real goods and services transactions, not limited to online games and other virtual space. At present, the central bank does not recognize or issue digital currency, and digital currency does not have to have a benchmark currency. The popular digital currencies in 2015 include bitcoin, lightcoin, bitstock, etc. At present, there are thousands of digital currencies issued all over the world.
popular science: digital currency (digiccy) is an alternative currency in the form of electronic currency. Both digital gold coin and password currency belong to digital currency. It can not be completely equivalent to the virtual currency in the virtual world, because it is often used for real goods and services transactions, not limited to online games and other virtual space. At present, the central bank does not recognize or issue digital currency, and digital currency does not have to have a benchmark currency. The popular digital currencies in 2015 include bitcoin, lightcoin, bitstock, etc. At present, there are thousands of digital currencies issued all over the world.
4. According to an article on the official website of the people's Bank of China, the digital currency seminar of the people's Bank of China was held in Beijing on the same day to further clarify the strategic objectives of the central bank's issuance of digital currency, do a good job in tackling key technologies, study the multi scenario application of digital currency, and strive to launch the digital currency issued by the central bank as soon as possible
currently under study, many problems need to be improved slowly. Wait.
currently under study, many problems need to be improved slowly. Wait.
5. We can tell you clearly that there is no relationship between the digital currency issued by the central bank and the fast currency
quickcoin claims to be a digital currency developed by the studio of the Caymans islands, with a total circulation of only 68 million. It adopts the most advanced algorithm in the world and other dazzling words
when the reporter asked if there was open source code for this coin, the man surnamed Wang immediately took out the account number of the so-called quick coin of GitHub, and said that this is the open source code. However, the reporter found from GitHub that the things published on the account number of quick coin qucikcin were only a few pages of description files of the website, and the total amount of virtual currency issued, There is no core file code such as algorithm. It is not open source code at all, not even web code. At the same time, many elderly people here do not know the basic knowledge of computer, and believe this manager's statement
later, the man surnamed Wang told the reporter that express money now has the so-called cloud miner invested in British companies. At present, the amount of investment ranges from 20000 to 400000 yuan to buy the miner. Each miner can see its own money in real time in the background. The more you invest, the more money you proce. These "express money" can be sold on the market to make a profit. At present, one coin is about two dollars, The manager said that the fast currency will rise to at least $100 in the future, and investors will get thousands of times of return
after the reporter's inquiry and verification, the so-called British mining machinery company can not find any registration information at all, and there are no proceres, while the so-called cloud mining machinery background is a free download management page on the network. As shown in the figure,
while bragging about the future of quick coin, the man surnamed Wang repeatedly mentioned that in this coin, the recommender can get 10% - 20% of the so-called touch bonus, as well as the so-called layer bonus of 6-15 layers. The reporter asked how much money the express currency has developed in the whole country. He told the reporter that only under his boss Wu's system, 1 billion yuan of mining machinery has been promoted before the market, and the registration of each mining machinery needs to spend money to buy coins. At the beginning, the price before the market was 9.75 yuan, which is equivalent to that, At present, more than 100 million virtual coins and tens of thousands of mining machines have been issued. According to the analysis, there are at least 200-300 million coins in circulation in the market at present, and the so-called mining machines continue to proce new coins every day. The total issued amount of this coin is only 68 million, and only 34 million can be mined in the first year
after leaving this office, the reporter immediately went to the Economic Investigation Detachment of Shenzhen Public Security Bureau for consultation. Yao Zhiliang, deputy leader of the second detachment, told the reporter that the so-called fast money can be classified as pyramid selling fraud, and it also belongs to illegal fund-raising projects. At present, the state is cracking down on such projects, and is engaged in the promotion of so-called fast money, They will be charged with organizing and leading pyramid schemes Sohu)
it is suggested to pay attention to bitcoin, Leyte coin, Puyin and other mainstream digital currencies.
quickcoin claims to be a digital currency developed by the studio of the Caymans islands, with a total circulation of only 68 million. It adopts the most advanced algorithm in the world and other dazzling words
when the reporter asked if there was open source code for this coin, the man surnamed Wang immediately took out the account number of the so-called quick coin of GitHub, and said that this is the open source code. However, the reporter found from GitHub that the things published on the account number of quick coin qucikcin were only a few pages of description files of the website, and the total amount of virtual currency issued, There is no core file code such as algorithm. It is not open source code at all, not even web code. At the same time, many elderly people here do not know the basic knowledge of computer, and believe this manager's statement
later, the man surnamed Wang told the reporter that express money now has the so-called cloud miner invested in British companies. At present, the amount of investment ranges from 20000 to 400000 yuan to buy the miner. Each miner can see its own money in real time in the background. The more you invest, the more money you proce. These "express money" can be sold on the market to make a profit. At present, one coin is about two dollars, The manager said that the fast currency will rise to at least $100 in the future, and investors will get thousands of times of return
after the reporter's inquiry and verification, the so-called British mining machinery company can not find any registration information at all, and there are no proceres, while the so-called cloud mining machinery background is a free download management page on the network. As shown in the figure,
while bragging about the future of quick coin, the man surnamed Wang repeatedly mentioned that in this coin, the recommender can get 10% - 20% of the so-called touch bonus, as well as the so-called layer bonus of 6-15 layers. The reporter asked how much money the express currency has developed in the whole country. He told the reporter that only under his boss Wu's system, 1 billion yuan of mining machinery has been promoted before the market, and the registration of each mining machinery needs to spend money to buy coins. At the beginning, the price before the market was 9.75 yuan, which is equivalent to that, At present, more than 100 million virtual coins and tens of thousands of mining machines have been issued. According to the analysis, there are at least 200-300 million coins in circulation in the market at present, and the so-called mining machines continue to proce new coins every day. The total issued amount of this coin is only 68 million, and only 34 million can be mined in the first year
after leaving this office, the reporter immediately went to the Economic Investigation Detachment of Shenzhen Public Security Bureau for consultation. Yao Zhiliang, deputy leader of the second detachment, told the reporter that the so-called fast money can be classified as pyramid selling fraud, and it also belongs to illegal fund-raising projects. At present, the state is cracking down on such projects, and is engaged in the promotion of so-called fast money, They will be charged with organizing and leading pyramid schemes Sohu)
it is suggested to pay attention to bitcoin, Leyte coin, Puyin and other mainstream digital currencies.
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