Central bank digital currency application company
The digital currency of the central bank is DCEP
the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency
The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous
extended data
Application of digital currency
I. fast, economic and safe payment and settlement
cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed
At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:3. Bill finance and supply chain finance
in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs
reference materials
network digital currency
Policies and regulations
2019 August 21st, the official account of WeChat central bank released two articles on digital currency.
On July 8, the digital currency Research Institute of the people's Bank of China formally reached a strategic cooperation agreement with didi travel to jointly study and explore the scene innovation and application of digital RMB in the field of intelligent travel. The two sides hope to promote the platform ecological construction of digital RMB in diversified travel scenarios through the establishment of cooperative relationship
didi travel said that under the guidance of relevant departments, it will cooperate with the digital currency Research Institute to strictly implement the guidelines put forward by the Party Central Committee and the State Council to improve the ability of financial services to the real economy, and promote the integrated development of the digital economy and the real economy
this article comes from the author of car home, which does not represent the standpoint of car home