Zhai Shanying talks about digital currency classification

2. Specifically, the profitability of blockchain may be divided into three stages
in the first stage, blockchain is still a kind of network infrastructure construction. Enterprises providing high-quality technical services can charge technical service fees, and can also use this technology in some anti-counterfeiting systems such as Maotai liquor and luxury goods
in the second stage, the application segment will be implemented. At present, many scenarios such as storage, game operation, user payment, currency issuance and investment fund can also be realized through blockchain. However, this part of the profit belongs to the application publisher, just as an online game manufacturer uses C + + to write a game. C + + is blockchain technology, but it is the manufacturer who makes money, However, in the short term, large-scale application is still difficult
in the third stage, monetization, securitization and life-oriented are fairly recognized. Considering that the essence of currency issuing right is monopolized by the state violent machine, the property owner of seigniorage must belong to the government department, and the blockchain of currency and securities must go through a process of public power to understand, accept and allow. But it the first mock exam that this technology will also have far-reaching impact on the digitalization of money, and the profit margin under this mode is limitless.

3. We often think about what the meaning of life is. Are we walking along Freud's five levels of needs? But what kind of self realization? As the saying goes, "money is not omnipotent, but no money is absolutely impossible". Money can help us integrate a lot of resources and support the realization of our dreams. There is another saying that "a gentleman loves money and gets it in a proper way". To obtain money for a long time is the natural result of one's continuous practice. Otherwise, virtue is not worthy of position and wealth. Even if you get some wealth by chance, it is futile to be unable to control it

a person's good practice needs to be polished by practice. It is clear that only you can rely on yourself in the process. Don't deliberately imitate others. You can't other people's experience. In the end, you can only find a way to become yourself, break through the limitations of your original thinking comfort circle, constantly strive to enjoy the process, so that the excellent me constantly presents a different state. But the direction should be right, let oneself always have the feeling of vitality, don't fall into depression, constantly reflect on their own thinking

there are many life models summarized by predecessors for reference, such as Stephen Covey's seven habits of high-performance people, which are active, start from the end, priority first, transposition thinking, win-win thinking, integration and comprehensive effect, and constantly updated, concise and comprehensive. Taking this as a guide, we know that the time and energy of a person's life is limited, and we need to put the limited time and energy on important things. Do things need specific goals, and quantitative step-by-step decomposition, the formation of their daily natural behavior habits, over time, the formation of their own way of life, this is a new self from the inside out

if you plan ahead, you will stand up, if you don't plan ahead, you will abandon. If you want to live a peaceful life in the future and be able to implement your habit planning step by step, you need to break through the behavior comfort circle. Every day, every week and every month, we should plan the time and energy for the next phase, know the clear goals in all directions, know what degree we want to achieve, what difficulties we expect to encounter, what general plans we have, and then start the specific implementation. We should regularly check which links need to be optimized, adjust and optimize them, and then enter the next action cycle, Let the heart calm, do things better. Slowly, you will be surprised to find that the harvest of money and resources is a by-proct of your continuous practice.

4. What does ant do
ants themselves do finance, and finance is an intermediary platform. They take money from rich people and invest it to get returns
but have you found that the novels, TV dramas and so on around you are all bad guys as soon as you mention finance, such as the wolf of Wall Street and the merchant of Venice. Because the characteristic of the financial instry itself is to dislike the poor and love the rich. The richer the people are, the more they serve them. Only by helping the rich to make money can finance make money. Therefore, the development of finance over the past few hundred years has widened the gap between the rich and the poor and widened the social contradiction. Therefore, literary works have branded finance as a "villain"< There are many problems in the current situation caused by ants:
1. A large number of financial companies in China generally keep a low profile, but ants keep a high profile. In the subway advertisement, the father goes to huali to borrow money for his daughter's birthday. It takes a long time for him to change after his birthday. What's the social atmosphere caused by this kind of advertisement? You need to think about it
2. Ants should be most grateful to the government. All they have are special treatment given by the government. They can lend more than 200 billion yuan a year, but only 2% of their own funds. In other words, the ant can earn so much money because the country's banking system helps it. Low interest loans are given to the ant, and 15% of the high interest loans are loaned out again. The loan interest and service charge of huabeijie is the highest in China, only lower than that of usury. In this process, it only provides a platform, because ant's money is not given by the state, or by the bank allowed by the state policy. But Mr. Ma didn't say a good word when he came on the stage. He told the country all over again and didn't feel grateful
3. The P / E ratio of all financial institutions listed on the stock market is about 10 times, while that of ant is 100 times, cutting the leeks of the public and ordinary people. After cutting, the employees inside ant own houses, cars and rich properties
the problem of ants actually reflects the problem of finance, which, to some extent, improves the liquidity of world currency, on the contrary, widens the gap between the rich and the poor
to be a company, we need to be "humble and arrogant". The future wealth must be in the hands of people with real skills and those who embrace the digital economy, but we must be modest.

5. The so-called consumer complaint refers to the written or oral objection, protest, claim and request to solve the problem when consumers purchase, use goods or accept services for living consumption and have a dispute with business operators on consumption rights and interests [1]
in order to standardize the procere of handling consumer complaints by China's instrial and commercial administration departments, handle the disputes between consumers and business operators in a timely manner, and protect the legitimate rights and interests of consumers, In February 2014, the executive meeting of the State Administration for Instry and Commerce of the people's Republic of China deliberated and approved the measures for handling consumer complaints by the Administration for Instry and Commerce (Order No. 62 of the State Administration for Instry and Commerce), which came into force on March 15, 2014[ 2]
Chinese name
consumer complaints
foreign name
consumer complaints
principle
regional jurisdiction is the main, level jurisdiction is the auxiliary
classification
consumer rights protection
relevant laws and regulations
State Administration for Instry and Commerce Order No. 62
acceptance principle
Consumer Association accepts consumer complaints and implements regional jurisdiction as the main, (1) complaints against consumers shall be handled by the county-level consumer association or its subordinate branch where the defendant is located; If the location of the defendant is inconsistent with the place of permanent residence, it shall be handled by the county-level consumer association or its subordinate branch in the place of permanent residence
(2) if the case involves more than two county-level districts, it shall be handled by a common consumer association at the next higher level (municipal or provincial level)< (3) if the case involves more than two municipal associations, it shall be handled by the Provincial Consumer Association; The provincial consumer association may entrust any consumer association in its jurisdiction with handling the complaint that has been accepted< (4) letters and online complaints received by provincial consumer associations can be directly transferred to local consumer associations, and major and difficult complaints can be directly accepted< (5) if a foreign consumer complains against a domestic business operator, it shall be handled by the Consumer Association at the county level in the place where the defendant is located; Consumers in the province in Shanghai, Jiangsu, Hong Kong and Macao can complain to the local consumer association
complaint form
consumer complaints can be made by telephone, letter, interview and Internet. However, no matter which form is adopted, it should have the following contents:
(1) basic information of the complaining party and the complained party. The name, address, postal code and telephone number of the complaining party; The name, address, postal code and telephone number of the party to be complained, and the power of attorney shall be submitted to the Consumer Association if the consumer entrusts an agent to complain
(2) specific complaint content. The process of the damage and the negotiation with the operator< (3) specific evidence. Consumers are obliged to provide evidence related to complaints to prove that there is a causal relationship between the purchase, use of goods or acceptance of services and the damage. The Consumer Association generally does not retain the original evidence (original, physical, etc.) provided by both parties to the dispute< (4) specific complaint requests< (5) the date of the complaint
business scope
the following complaints will not be accepted:
(1) there is no clear respondent< (2) disputes between operators
(3) the operator has truthfully explained to the consumers that the goods are defective in advance
(4) the parties to the dispute have reached a settlement (mediation) agreement and performed it without new reasons or relevant basis< (5) the consumer fails to provide any necessary evidence< (6) it has been accepted and handled by the court, relevant administrative departments or arbitration institutions
(7) laws and regulations clearly stipulate that it should be handled by designated departments< (8) other circumstances not within the scope of the consumer law
the consumer association will decide whether to accept the complaint within seven working days after receiving the complaint. If it is not accepted, a letter of rejection shall be issued. After a complaint case is accepted, it should be mediated within 15 working days. If the case is complicated or special, it can be extended to three months with the consent of both parties< According to the consumer law, the rights and interests of consumers who need to buy, use goods or receive services for daily consumption are protected by this law. Therefore, the consumer complaints that are not the object are not accepted by the Consumer Association
misunderstanding 2
all purchased goods can be complained
in both cases, if the purchased goods have problems, the complaint Consumer Association will not accept it. One is the goods beyond the warranty period. One is improper use and man-made damage< Article 55 of the new consumer law: if a business operator fraulently provides goods or services, it shall increase the compensation for the losses suffered by the business operator according to the requirements of the consumers, and the amount of the increased compensation shall be three times of the price of the goods purchased or the service received by the consumers; If the amount of additional compensation is less than 500 yuan, it shall be 500 yuan. Where the law provides otherwise, such provisions shall prevail
that is to say. Three for a fake, not ten for a fake
however, if the merchant promises to pay 10 for the fake, the operator shall compensate for the price of the purchased goods

6. (China Merchants Bank) according to the comprehensive consideration of investment preference, risk tolerance and capital liquidity, you can go to the homepage of China Merchants Bank and click "financial procts" - "personal financial procts" - "search" to classify the proct information you need
if you need corresponding financial planning suggestions, please go to CMB outlets or contact the customer manager directly to try to understand Warm tips: please read the proct manual carefully before purchasing]

7. More and more people are asking what the BSC cloud box is and what its function is, and others are worried about the relationship between the BSC cloud box and virtual currency. However, there is no need to worry about this. BSC cloud box is the first creation of Puhua group. It is a small intelligent cloud service terminal system integrating the concept of sharing economy and token economy. It is the basic unit and core component of BSC cloud service. It has many capabilities, such as storage capacity, computing capacity, distributed capacity and unique identification capacity. BSC cloud box is the basic network node of BSC cloud platform. In fact, the most concerned thing is the income of BSC cloud box points. It seems that the SE version of BSC cloud box has been launched. Compared with the Standard Version, its functions are more perfect and stable. When I use the se cloud box, it will proce about 10 cloud boxes a day in June and about 7.9 cloud boxes a day in October. The standard version is more stable, but the standard version is not very stable, and it is easier to drop, and the SE version is more stable with more areas. It depends on our own needs. Generally speaking, it is very valuable for investment. You can buy it and have a try.

8.

Internet finance is an emerging field combining traditional financial instry with Internet spirit. Internet & quot; Openness, equality, cooperation and sharing & quot; The spirit of Internet has penetrated into the traditional financial formats, which has a fundamental impact on the human financial model. The financial formats with Internet spirit are collectively referred to as Internet finance. The difference between Internet Finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants have a deep understanding of the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial business has stronger transparency, higher participation, better cooperation, lower intermediate cost, higher efficiency, and higher efficiency More convenient operation and other features

for example:

crowdfunding

crowdfunding is to raise money for the masses or for the masses, which refers to the mode of raising project funds from netizens in the form of group buying in advance. The original intention of crowdfunding is to make use of the characteristics of Internet and SNS communication to let start-ups, artists or indivials show their ideas and projects to the public, strive for everyone's attention and support, and then obtain the financial assistance they need. The operation mode of crowdfunding platform is similar: indivials or teams who need funds will hand over the project planning to crowdfunding platform, and after relevant audit, they can establish their own page on the platform's website to introce the project to the public

In a narrow sense, third-party payment refers to an electronic payment mode in which non bank institutions with certain strength and reputation guarantee, with the help of communication, computer and information security technology, sign contracts with major banks to establish a connection between users and bank payment and settlement systems

according to the definition of non-financial institutions' payment services given by the central bank in 2010 in the administrative measures for non financial institutions' payment services, in a broad sense, the third-party payment refers to the online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of payees and payers. Third party payment is not only limited to the initial Internet payment, but also becomes a comprehensive payment tool with full online and offline coverage and richer application scenarios