What is digitizing money
Publish: 2021-05-28 22:34:26
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. Currency digitalization is like WeChat Alipay, and bankcard pays
1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious
1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious
3.
Digital money drives economic consumption. People have no concept of money, only material needs. At the same time, digitization facilitates people's communication
4. Yes, yu'ebao and bitcoin are not the same concept. One is to make full use of currency, and the other is to replace traditional currency. And there is no effective regulation, so bitcoin is bound to fail
5. The word "digital currency" may be quite strange, but many people have heard of "bitcoin", which has been very popular in recent years. Oh, it's it. But it is, and it is not. And listen to this beginner
it is also closely related to Internet technology and has the attributes of payment and circulation. The central bank's "digital currency" is closely related to bitcoin. But bitcoin is a kind of digital currency, but digital currency is not just a form of bitcoin. Although the central bank's "digital currency" veil has not yet been lifted, there must be many differences with bitcoin
first of all, the issuers are different
most currencies have an issuer. For example, RMB is printed and issued by the central bank. But bitcoin does not have a centralized issuer. It is generated randomly based on an algorithm. Anyone can mine, buy, sell or receive bitcoin
secondly, the acquisition methods are different
bitcoin is the result of unremitting "mining" by some people who master the algorithm. These real it experts need to search for 64 bit numbers by computer, and then compete with other gold miners by repeatedly solving puzzles to provide the required numbers for the bitcoin network and obtain the corresponding bitcoin
but the digital currency issued by the state is bound to face the people of the whole country, rather than some network experts. When the country strives to achieve the goal of Inclusive Finance, how can it only tailor a currency for Internet experts? The national version of "digital currency" is bound to help the realization of Inclusive Finance, facing the most extensive groups
in addition, the pricing is different
in the face of bitcoin, which is becoming more and more difficult to "dig", many experts are more energetic like upgrading to fight monsters. With the increasing difficulty of "mining", the price of bitcoin has also soared and fluctuated greatly
a national currency has to try its best to maintain its own stability. Naturally, it is impossible to price according to the difficulty of acquisition, just like collectibles, because of scarcity
in addition, the application range is different
at present, all countries, including China, do not recognize the monetary attribute of bitcoin. Some organizations may have accepted donations from bitcoin, and some supermarkets have said that they can pay with bitcoin, but this is only within a very small range
as a digital currency issued by a country, it must be able to meet the largest range of payment needs, especially with the evolution of mobile Internet, cloud computing, blockchain and other technologies, and under the background of great changes in global payment methods, the central bank's digital currency needs to meet the global payment needs
if the central bank's "digital currency" is very different from bitcoin, how is it different from virtual currency
people who have used QQ should be familiar with QQ coins. They need to change their clothes for QQ avatars and change their backgrounds for QQ spaces. Many Tencent online games also need QQ coins to recharge. Like this, there are many virtual currencies based on the network, such as the online currency of the network company, the recharge voucher of the game company, etc
as far as the scope of application is concerned, most of these online currencies are used to recharge games, purchase equipment and props, and cannot be paid offline; As far as the exchange method is concerned, in principle, virtual currency can only be purchased with real currency, but it is not allowed to convert virtual currency into real currency; As far as issuance is concerned, it is launched by enterprises themselves, some of which are like "vouchers" rather than real currency
therefore, although the issuance of "digital currency" by the central bank inevitably requires payment transactions on the Internet, the principles and methods are different from those of virtual currency
especially at present, when many enterprises issue virtual currency, e to their own lack of risk prevention and control and security awareness, they leave an opportunity for some criminals to swipe bank cards, sell stolen goods and launder money. If the central bank's "digital currency" is issued, whether it will replace these online virtual currencies and make the online payment environment safer, healthier and more transparent is a question worthy of consideration.
it is also closely related to Internet technology and has the attributes of payment and circulation. The central bank's "digital currency" is closely related to bitcoin. But bitcoin is a kind of digital currency, but digital currency is not just a form of bitcoin. Although the central bank's "digital currency" veil has not yet been lifted, there must be many differences with bitcoin
first of all, the issuers are different
most currencies have an issuer. For example, RMB is printed and issued by the central bank. But bitcoin does not have a centralized issuer. It is generated randomly based on an algorithm. Anyone can mine, buy, sell or receive bitcoin
secondly, the acquisition methods are different
bitcoin is the result of unremitting "mining" by some people who master the algorithm. These real it experts need to search for 64 bit numbers by computer, and then compete with other gold miners by repeatedly solving puzzles to provide the required numbers for the bitcoin network and obtain the corresponding bitcoin
but the digital currency issued by the state is bound to face the people of the whole country, rather than some network experts. When the country strives to achieve the goal of Inclusive Finance, how can it only tailor a currency for Internet experts? The national version of "digital currency" is bound to help the realization of Inclusive Finance, facing the most extensive groups
in addition, the pricing is different
in the face of bitcoin, which is becoming more and more difficult to "dig", many experts are more energetic like upgrading to fight monsters. With the increasing difficulty of "mining", the price of bitcoin has also soared and fluctuated greatly
a national currency has to try its best to maintain its own stability. Naturally, it is impossible to price according to the difficulty of acquisition, just like collectibles, because of scarcity
in addition, the application range is different
at present, all countries, including China, do not recognize the monetary attribute of bitcoin. Some organizations may have accepted donations from bitcoin, and some supermarkets have said that they can pay with bitcoin, but this is only within a very small range
as a digital currency issued by a country, it must be able to meet the largest range of payment needs, especially with the evolution of mobile Internet, cloud computing, blockchain and other technologies, and under the background of great changes in global payment methods, the central bank's digital currency needs to meet the global payment needs
if the central bank's "digital currency" is very different from bitcoin, how is it different from virtual currency
people who have used QQ should be familiar with QQ coins. They need to change their clothes for QQ avatars and change their backgrounds for QQ spaces. Many Tencent online games also need QQ coins to recharge. Like this, there are many virtual currencies based on the network, such as the online currency of the network company, the recharge voucher of the game company, etc
as far as the scope of application is concerned, most of these online currencies are used to recharge games, purchase equipment and props, and cannot be paid offline; As far as the exchange method is concerned, in principle, virtual currency can only be purchased with real currency, but it is not allowed to convert virtual currency into real currency; As far as issuance is concerned, it is launched by enterprises themselves, some of which are like "vouchers" rather than real currency
therefore, although the issuance of "digital currency" by the central bank inevitably requires payment transactions on the Internet, the principles and methods are different from those of virtual currency
especially at present, when many enterprises issue virtual currency, e to their own lack of risk prevention and control and security awareness, they leave an opportunity for some criminals to swipe bank cards, sell stolen goods and launder money. If the central bank's "digital currency" is issued, whether it will replace these online virtual currencies and make the online payment environment safer, healthier and more transparent is a question worthy of consideration.
6. Digital currency refers to the digitization of money. Digitization doesn't mean scanning. This is just like digital signature. Digital signature does not mean scanning your signature into a digital image, or using the touchpad to obtain the signature, let alone your signature. Digital currency is often mistaken for virtual currency. But virtual currency refers to non real currency. For example, when you play "Three Kingdoms" (game) or "grand Voyage", you have money, and that money is virtual. Of course, the virtual money will also have its real value. For example, if you buy her / his account from another player, you can get all the virtual assets of that player, and then it will be much easier for you to continue playing. Virtual money is not necessarily digital. For example, children play games with pebbles as virtual currency
digital currency is an alternative to 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. Digital currency refers to the digitization of money. Digitization doesn't mean scanning. This is just like digital signature. Digital signature does not mean scanning your signature into a digital image, or using the touchpad to obtain the signature, let alone your signature
digital currency is an alternative to electronic currency. Both digital gold coin and password currency belong to digital currency. Digital currency can be divided into three categories: the first is the familiar game currency. In the era of stand-alone games, the protagonists accumulate money by knocking down the enemy, entering the gambling house and winning money. The second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services within the website. The third kind of virtual currency on the Internet, such as bitcoin (BTC), Wright currency (LTC), Fuyuan currency (FTC), etc.
digital currency is an alternative to 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. Digital currency refers to the digitization of money. Digitization doesn't mean scanning. This is just like digital signature. Digital signature does not mean scanning your signature into a digital image, or using the touchpad to obtain the signature, let alone your signature
digital currency is an alternative to electronic currency. Both digital gold coin and password currency belong to digital currency. Digital currency can be divided into three categories: the first is the familiar game currency. In the era of stand-alone games, the protagonists accumulate money by knocking down the enemy, entering the gambling house and winning money. The second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services within the website. The third kind of virtual currency on the Internet, such as bitcoin (BTC), Wright currency (LTC), Fuyuan currency (FTC), etc.
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