Digital currency of central financial channel
Huang Zhen, director of the Institute of financial law of Central University of Finance and economics, said that digital currency mainly refers to the form of currency and will not cause currency shrinkage. The issuing scale of money is still controlled by the central bank, while the issue of paper money or digital money is just a change of form< In addition, Huang Zhen mentioned that the issue of digital currency is still in the stage of discussion, which is an innovative mechanism of currency value symbol, and many problems are still under study. However, in practice, people are more and more inclined to use e-banking and e-payment rather than carrying notes. Under this trend, the number of banknotes in circulation in the future may decrease
the central bank's issuing of digital currency is still inspired by encrypted digital currencies such as bitcoin and lettercoin, and so is the token of European crowdfunding platform. The digital currency issued by the central bank has monetary attributes, while the token of European crowdfunding platform can only be a kind of asset certificate, a niche proct.
On November 9, 2019, the central bank has not launched digital currency
in 2014, the Central Bank of China set up a special research team to conct in-depth research on the framework of digital currency issuance and business operation, key technologies of digital currency, issuance and circulation environment, and legal issues
in January 2017, the central bank officially established the digital currency Research Institute in Shenzhen
in September 2018, the Institute of digital currency built a trade finance blockchain platform
On July 8, 2019, at the launching ceremony of the digital finance open research program and the first academic seminar, Wang Xin, director of the Research Bureau of the people's Bank of China, disclosed that the State Council has officially approved the research and development of the central bank's digital currency, and the central bank is engaged in corresponding work in organizing market institutions
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benefits of digital currency
the digitalization of central bank's currency helps to optimize the central bank's monetary payment function, improve the central bank's monetary status and the effectiveness of monetary policy. The central bank's digital currency can become an interest bearing asset to meet the holder's reserve demand for safe assets, and can also become the lower limit of bank deposit interest rate. It can also become a new monetary policy tool
at the same time, the central bank can affect the bank deposit and loan interest rate by adjusting the digital currency interest rate of the central bank, and help to break the zero interest rate lower limit
2019 August 21st, the official account of WeChat central bank released two articles on digital currency.
legal digital currency is the digital currency issued by the state and the central bank in China Strong>
this kind of digital currency can carry on the ordinary on-line mobile payment, also may carry on the sweep code payment, is similar to the Alipay and WeChat's using method, is very convenient.
this new type of legal digital currency is actually much more convenient than the existing means of mobile payment for three reasons:
first, legal digital currency does not need bank transfer and withdrawal Strong>
now we need to use Alipay and WeChat to bind the bank cards on Alipay and WeChat first, then transfer the money in the bank card to Alipay and WeChat, which is very troublesome. p>
but legal digital currency itself is stored in the bank card account, so there is no need to transfer in and withdraw the operation, you can directly withdraw the digital currency on the ATM, or you can directly use the app to pay, which is very convenient
2. The hair on the temples is inlaid with pearls and Jasper. The flowers and the moon are blooming
3. Wearing a light white palace dress, the elegant part is a bit more worldly. The wide skirt is elegant and luxurious. The black jade like green silk is simply tied up in a Feixian bun, and a few full and round pearls are used to decorate the hair, making the dark cloud like hair more soft, bright and moist. The beautiful eyes are full of color, and the red lips are full of light smile
4. The light green flowered palace dress is covered with a layer of golden tulle, and the wide dress is covered with rust purple patterns. Three thousand green silk is pulled up a little, and the rest is hanging around the neck, and a small red gem is hanging in front of the forehead, which is just right. There is a hollow flying phoenix on the head. Jin Bu Yao moves with the lotus step, making a sound of Ding Dong. It's beautiful and charming
5. Eyes like water, but with the cold talk, it seems to be able to see through everything. Ten fingers are slim, skin like cream, pink in snow white, it seems to be able to wring out water, a pair of vermilion lips, smile like a smile, every move seems to be dancing, long hair straight ankle, hair off, green silk dancing with the wind, send out fragrance, can attract butterflies, slender waist, slender limbs, There is a fairy like refined temperament. She was dressed in white clothes, with dark patterns of rusty butterflies. A green silk rose with a butterfly tassel. A butterfly carved with a bright pearl on her forehead gave off a faint light. Emei swept lightly. Her face was not powdered, but she still couldn't hide her gorgeous face. A crystal necklace around her neck was more and more called the clavicle. The white jade bracelet on her wrist set off her snow like skin, and a pair of gilded shoes on her feet were decorated with gems, Beautiful eyes flow, gently step into the platform, skirt flying, like a pale butterfly lost her breath in the dark, indifferent, like a fairy who doesn't eat fireworks, a smile on the corner of her mouth, as ethereal and gorgeous as fireworks
6. The elegant jade face is painted with light plum blossom makeup, and the original clear and beautiful face is faded with tender green astringency, showing a trace of charm and soul alluring; If it used to be like an immortal, but now it's like a fairy who fell into the world by mistake, and the man suddenly lost his soul, but the most unforgettable thing is that pair of brilliant starlight eyes. Dressed in gold gauze, the white silk robe in Hangzhou looms. It's wrapped around the waist with a light blue gauze. It's slightly powdered. It's dark hair is flowing down the waist. It's wrapped in a chic flying bun. It's wrapped in an amethyst moon missing Magnolia hairpin. It's hung with a ring of exquisite Yingluo. It's wearing a lavender skirt, It is embroidered with a pearl blossom pattern, covered with a jade rose and silver silk gossamer, and lined with a moon white and pink water lily waist. The waist is gently held by a light blue yarn
7. Wearing a light blue dress and a white veil, the graceful figure is fully reflected. That is to say, the long hair on the waist is flying all over the sky because of the wind. A few strands of hair are naughty flying in front. There is no decoration on the head. It is just a light blue ribbon that gently binds a strand of hair. There is a purple crystal on the neck. The crystal is shining slightly. The skin is as white as snow, and the skin is as white as a fairy. The hands are like catkin, and the skin is as thick as cream. The collar is like a white white, the teeth are like gourd rhinoceros, the head is like a moth, the eyebrows are like green feathers, the teeth are like seashells, and the waist is like a bundle of elements, The skin is white, tender and glossy. The eyes are pure like water, occasionally with some melancholy, giving people the feeling of being beyond expectation
8. Wearing a simple plain white long brocade dress, embroidering delicate branches on the material with dark brown silk thread, peach red silk thread embroidering blooming plum blossoms, extending from the skirt to the waist, a dark purple wide belt tightening the waist, showing the slim figure, but also giving people a sense of elegance and luxury, It's covered with a light purple open gauze garment. Every move of the gauze garment makes the gauze garment feel flowing. There is an emerald jade pendant around the waist, which adds a sense of elegance. With a milky white jade bracelet on the hand, a long, strange hair with a purple and white ribbon gave a slightly complicated hairstyle. It really did not live up to this beautiful and unusual hair, with some rose essence on its hair, giving off a charming fragrance, with a jade hairpin made of jade. It's made of green bamboo with leaves. It makes people think that she has green bamboo on her head. The thin and long bangs on her forehead are neat and rigorous. The willow eyebrows are painted in carbon black, which makes the skin white and delicate. The charming Danfeng eyes show their brilliance between the eye waves. The pink Rouge makes the skin appear white and red, and the lip is only lightly red. The whole face looks very beautiful
9. Wearing a pink embroidered shirt and a Pearl White Lake crepe skirt, there is a pair of pear swirls on the white and jade like face of melon seed type, with light rouge on the cheek, which makes the cheeks look like a newly opened Qionghua, white and red. Clusters of black curved long eyebrows, non painting like painting, a pair of eyes looking forward to light, that attractive eyes, black and white, rippling with enchanting charm. Pearl white wide ribbon up, originally black elegant long hair, but exudes a fairy like temperament. Long hair and hanging waist, forehead and ear temples with a white and pink inlaid Bead Hair chain, occasionally there are one or two disobedient beads hanging down, even more add a true and illusory beauty, wrist with a milky white jade bracelet, warm sheepskin white jade exudes a kind of unspoken brilliance, and a shallow plain dress complement each other, There is a silver necklace around my neck, which has a faint purple luster. When I look at it, it's just a purple crystal
10. The golden Yunyan shirt is embroidered with elegant orchids, the Yellow ancient pattern double butterfly cloud shaped thousand water skirt, and the bixialuo peony mist yarn is in hand. Yun Ji e'e, wearing a hollow out orchid bead hairpin, has a charming face like the moon, and a bright look in her eyes
11. If the shoulders are cut, the waist is plain, the eyebrows are green, and the muscles are white. Wearing a plain brocade palace clothes, covered with water blue gossamer, the breeze, gossamer flying, the whole person scattered a light aura. Three thousand green silk was tied into a simple bun and put on a elegant plum hairpin
12. Wearing a white gauze skirt, the waist is tied into a light and elegant bow with water blue silk and soft tobacco, and the black hair is gently rolled up with a Wei Ling hairpin inserted obliquely. The skin is as clear as jade, without powder, walking alone in the purple bamboo forest
13. The light pink palace dress is embroidered with light blue butterflies spreading their wings at the corners of the skirt and covered with a layer of white gauze. There is a feeling of going with the breeze. The silky black hair floats at will around the waist. It's slim and graceful
14. A small face with a big palm, a skin that can be broken by blowing, delicate facial features, the clearest dark blue eyes in the Mediterranean, and the most beautiful rose colored flowing long hair that people envy. Since I was a child, I had taken the Ningxin pill made by my mother, so that my body sent out the faint fragrance of flowers... I was wearing an ivory long skirt, covered with a gold and silver silk embroidered with colorful cherry blossoms. My hair was like half a chrysanthemum, and my forehead was carefully pasted with peach blossom mother of pearl, which made my face look like spring, cherry lips and Phoenix eyes, and my hair like clouds. Two peacock hairpins with gold thread on each side, and a string of black pearls under each peacock's beak, both noble and unobtrusive
15. Dressed in a lavender dress, a butterfly dances in the flowers on the feet of the group,. Wearing blue tulle, it looks clear and transparent, true and illusory. A white brocade belt around the waist looks fresh and elegant. Show eyebrows such as willow bend, eyes such as the lake, nose small, high stand, cherry lips are red. The skin is as white and tender as snow, and it exudes a kind of elegant momentum. Three feet of green silk was shining black on his head, and there was a wooden hairpin slanting temporarily. The wooden hairpin was exquisite but not luxurious, which complemented the plain clothes
16. The dark red eyes are clear and bright, but they are mysterious. It's hard to understand. The willow like eyebrows, the eyebrows and the corners of the eyes are full of sweet smiles. The water is so smart that it can squeeze out water. The delicate nose, the cherry like thin mouth, and the smile on the delicate face are charming and charming. They are full of thousands of customs and temptations, White skin has two groups of light red halo, baby like skin blowing and broken, the moment is lovely, silk like ink hair randomly floating around the waist, slim body, waist win weak, appear delicate and moving, three thousand green silk lifted some into a bun, the rest hanging in the neck, more lining that white slender Bo Zi. Zhang's country and city are incomparably beautiful. It's suspected that the fairies from heaven are pure and beautiful. They don't need to be pink or black to be beautiful. The whole person is picturesque and pure. The pink flowered palace dress is covered with a layer of pink yarn. The wide clothes are rusted with gold wire. There is a dark red crystal in the shape of a fast moon, carved with a thin mysterious and ancient pattern in front of the forehead. There is a ruby coral hairpin on the head. The lotus steps shake slightly, which sets off a different style and beautiful posture
17. Three thousand green silks fall on the shoulder like brocade, and a pair of willow eyebrows bend like crescent moon, but they are slightly cold on the tip of the eyebrows; A pair of beautiful eyes are dark, canthus slightly upward, smile like the charm of the night; The shadow of eyelashes under the eyes is more mysterious for the whole face; The bridge of the nose is straight and elegant, dividing the beautiful face into two sides, making the face more linear; A cherry mouth is ruddy, like a silent temptation. The beautiful facial features are led to the sharp jaw by the perfect facial lines. The white skin is almost transparent, and the unique moon mark of fox princess on her chest is still looming. It exudes women's innate body fragrance, but it's different from her. I don't know what it is. A long white dress, white as snow, folded waist to micro step, was white wrist in the light yarn, eyes chilling. She is beautiful and elegant, but she looks cold and indifferent. She is as pure as ice and snow, but she is also as cold as ice and snow. I don't know whether she is happy or angry, sad or happy
18. Wearing a light purple pleated skirt with butterflies on the skirt, dazzling orchids on the eyebrows, and a purple tassel inserted obliquely, her big eyes seem to be able to write everything, her lips are not red, her long hair floats with the breeze,