Currency number two
Publish: 2021-03-24 01:01:44
1. First of all, digital currency is not the national legal tender, but the "alternative currency in the form of electronic currency", such as bitcoin, ecell currency and ether currency. Currency digitization is to represent the common currency with numbers, and the number corresponds to the national legal tender. There is a big difference between the two.
2.
Digital RMB is the legal digital currency issued by the people's Bank of China. It is legal currency with national credit endorsement and legal compensation ability, and can be regarded as digital RMB cash. At present, the popular digital currency such as bitcoin is decentralized and non legal currency without any credit endorsement. Digital RMB is totally different from this kind of digital currency. Let's briefly talk about the characteristics of digital RMB as a whole, digital renminbi is digital RMB cash. The legal effect is equivalent to RMB cash. It has a certain anonymity, but it is more secure, and supports al offline payment. It is more secure and convenient to use than the three party payment tools such as Alipay and WeChat. strong>
3. It is not difficult to understand the concept of digital currency if we regard digital currency as digital RMB cash
China's legal digital currency is a kind of currency that the people's Bank of China combines digital currency with electronic payment instruments, and its goal is to replace part of cash
the essential difference between digital currency and virtual currency such as bitcoin and Libra
the latter has no national credit and legal compensation; The digital currency of the people's Bank of China is a legal currency guaranteed by the national credit, which has the same effect as cash
from the perspective of usage scenarios, the central bank's digital currency does not calculate and pay interest, and can be used in small, retail and high-frequency business scenarios, with little difference from the use of paper money. It does not rely on bank accounts and payment accounts, as long as the user has a digital currency wallet can be used
not only that, the digital currency of the central bank uses the latest al offline technology, which can still be used even without mobile phone signal
Mu Changchun, director of the digital currency Research Institute of the people's Bank of China, once described the use of digital currency as follows: as long as you and I have digital RMB wallets on their mobile phones, we don't even need the Internet. As long as the mobile phone has electricity, two mobile phones can "touch" and transfer the digital currency in one person's digital wallet to another person
this is very similar to the current non-contact payment methods such as "wave", but it is different. The digital renminbi may not need to bind any bank account when payment is made, while WeChat payment and Alipay's payment transfer still need to bind the bank card.
Wu Qianhong, Professor of Cyberspace Security College of Beijing University of Aeronautics and Astronautics, also explained five characteristics and advantages of digital currency from the perspective of use:
easy to use
digital currency can be used in the communication environment, not limited by time, physical space and traditional institutions
low cost
the cost of transfer and maintenance of digital currency is very low, which benefits from its digital form
there are few intermediate links
digital currency supports point-to-point transfer, does not need the assistance of third-party institutions, and can also remove the clearing and settlement link, which is particularly convenient in cross-border and inter agency transfer
strong anti-counterfeiting ability
the use of digital currency needs to show the ability to have specific secrets, and transactions support multi-party witness. Therefore, it is almost impossible to forge digital currency without being found
China's legal digital currency is a kind of currency that the people's Bank of China combines digital currency with electronic payment instruments, and its goal is to replace part of cash
the essential difference between digital currency and virtual currency such as bitcoin and Libra
the latter has no national credit and legal compensation; The digital currency of the people's Bank of China is a legal currency guaranteed by the national credit, which has the same effect as cash
from the perspective of usage scenarios, the central bank's digital currency does not calculate and pay interest, and can be used in small, retail and high-frequency business scenarios, with little difference from the use of paper money. It does not rely on bank accounts and payment accounts, as long as the user has a digital currency wallet can be used
not only that, the digital currency of the central bank uses the latest al offline technology, which can still be used even without mobile phone signal
Mu Changchun, director of the digital currency Research Institute of the people's Bank of China, once described the use of digital currency as follows: as long as you and I have digital RMB wallets on their mobile phones, we don't even need the Internet. As long as the mobile phone has electricity, two mobile phones can "touch" and transfer the digital currency in one person's digital wallet to another person
this is very similar to the current non-contact payment methods such as "wave", but it is different. The digital renminbi may not need to bind any bank account when payment is made, while WeChat payment and Alipay's payment transfer still need to bind the bank card.
Wu Qianhong, Professor of Cyberspace Security College of Beijing University of Aeronautics and Astronautics, also explained five characteristics and advantages of digital currency from the perspective of use:
easy to use
digital currency can be used in the communication environment, not limited by time, physical space and traditional institutions
low cost
the cost of transfer and maintenance of digital currency is very low, which benefits from its digital form
there are few intermediate links
digital currency supports point-to-point transfer, does not need the assistance of third-party institutions, and can also remove the clearing and settlement link, which is particularly convenient in cross-border and inter agency transfer
strong anti-counterfeiting ability
the use of digital currency needs to show the ability to have specific secrets, and transactions support multi-party witness. Therefore, it is almost impossible to forge digital currency without being found
4. As long as the mobile phone with digital currency wallet is touched together, the transfer or payment can be easily completed. Similar to NFC
5. Central bank digital currency (DCEP) is fundamentally different from other types of "digital currency"
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
6. The "defective procts" caused by the quality defects of currency can only belong to defective currency, but not to misprinted currency: the printing error in details means that the ink is not a watermark
the third type: text errors
types of misprinted currency
the first is that the missing printing in the printing process does not belong to misprinted currency. This is not a wrong coin.
a wrong coin is a mistake in design or master engraving: the watermark is inverted, that is to say, the coin is printed in the place of the watermark.
the second watermark is not so precise, so the landlord should not be fussy
the third type: text errors
types of misprinted currency
the first is that the missing printing in the printing process does not belong to misprinted currency. This is not a wrong coin.
a wrong coin is a mistake in design or master engraving: the watermark is inverted, that is to say, the coin is printed in the place of the watermark.
the second watermark is not so precise, so the landlord should not be fussy
7.
1. First, you need to open the Excel software in the computer, open the data, select the cell, and right-click the cell
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