Digital currency business opportunities of banks
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
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extended data:
ancient scroll 5 is the same as ancient scroll 4: annihilation, There are six difficulties in the game: novice, apprentice, ordinary, difficult, master and legend. Normal difficulty is the default difficulty of the game. Different difficulty of the game, players have different lower limits of resistance, monsters have different amount of blood, different enrance, damage increases, drop becomes better, enchant soul consumes faster
legendary difficulty: Skills upgraded to 100 can be "legendary". This will bring the skill value back to 15, and the perks will be removed, allowing players to upgrade again
this effectively removes the upgrade bottleneck, and the player level will be higher. At the same time, because the ability of monsters in the game is related to the player's level, the enemy will be stronger when the player's level is higher, and the player's ability has not increased (or even regressed), so it is more challenging
In one year, it has developed more than 47000 members, involving 4.06 billion yuan. Haikou police recently cracked a huge online pyramid selling case in the name of virtual currency "Eurasian currency", involving a surprising number of people and huge amount of money
it has been learned that a large number of investors have been cheated by using the internet pyramid selling platform to operate, and then holding promotion meetings and forums to publicize its legitimacy and beautiful vision. With the company's capital chain on the verge of fracture, investors' dream of "high rebate and high return" is broken
according to the introction, it is difficult to crack the case. More than 200 policemen from Haikou economic investigation, criminal police, internet police, special police detachment and sub Bureau arrested in Hainan, Beijing, Jiangsu, Guangdong, Sichuan, Hubei and other six provinces, freezing 53 accounts nationwide. At present, 28 suspect suspects have been arrested, of whom 19 have been arrested by the procuratorial organs. P>
new network pyramid selling is very covert, and can be operated by computer and mobile phone. Suspect suspects are scattered throughout the country. When the case is collected, it is necessary to arrive at the same time, otherwise, the evidence of destruction will be found. Therefore, this kind of criminal behavior needs to strengthen the linkage of various departments at ordinary times, maintain high pressure supervision and attack situation. p>
the police said that the new network pyramid scheme involves a wide range of cases, and it is urgent for Instry and commerce, public security, finance and other departments to establish a joint supervision mechanism and a joint strike mechanism, so as to nip the crime in the bud, prevent its "fission" growth trend, and let more people be deceived
Digital currency is more likely to shake the intermediary status of banks between consumers and enterprises, so why should banks introce digital currency to bring adverse effects on themselves
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