Do banks sell virtual money
It is illegal to issue virtual currency privately
According to Article 29 of the regulations of the people's Republic of China on the administration of RMB, no unit or indivial is allowed to print or sell token tickets to replace RMB in circulation on the market In addition, the "emergency notice of the State Council Office for rectifying unhealthy tendencies in the instry, the State Economic and Trade Commission and the people's Bank of China on prohibiting the issuance and use of various token certificates (cards)" also strictly prohibited similar issues 
extended data
virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum"
market formation
the Internet has led to the emergence of a new market, which is a virtual market based on cyberspace. The Internet provides a lot of communication places for consumers, and also provides business market for enterprises. Enterprises must change from proct centered to service centered to customer centered. With the development of computer artificial intelligence technology and database technology, enterprises can conveniently collect customers' information, understand customers' needs in time, change business strategies and grasp economic arteries in real time
With the rapid development of computer and network communication technology, the application of Internet technology has graally penetrated into various fields of human activities, and the unlimited business opportunities that it contains make businesses turn their eyes to e-commerce. E-commerce is penetrating into all aspects of social and economic life at a speed that people can hardly imaginethe traditional finance is also closely watching this irresistible trend of global economic integration and networking. As a result, value-added services take art as the selling point and can be regarded as commodities; The sword in the game is not a brand-new financial services business philosophy - e-finance came into being
from the historical development process, to understand e-finance, we must start from the electronic finance and e-commerce. The so-called e-financialization means that financial enterprises adopt modern communication, computer, network and other information technology means in addition to Internet technology to improve the work efficiency of traditional financial service business, rece operating costs, realize the automation of financial business processing, informatization of financial enterprise management and scientific decision-making, and provide customers with faster and more convenient services, And then enhance the financial enterprise is the behavior of market competitive advantage
e-finance is a transcendence of financial electronization. Different from the electronic finance, the main technical basis of e-finance operation is the increasingly perfect Internet technology. Due to the characteristics of global connectivity, openness, quickness and low marginal cost of Internet technology, e-finance strengthens the restructuring and innovation of financial services business based on Internet technology, so that customers are free from the restrictions of business hours and places, and enjoy all kinds of high-quality and low-cost services provided by financial enterprises anytime and anywhere
with the development of Internet, the form of money is becoming more virtual, and there is an electronic money that only exists in the form of electronic signal
reference source: Network: virtual currency
It is illegal to buy and sell digital currency in China
according to the announcement on preventing the financing risk of token issuance jointly issued by the central bank and other seven ministries and commissions, the announcement points out that any so-called token financing trading platform shall not engage in the exchange business between legal currency and token and "virtual currency", and shall not buy or sell tokens or "virtual currency" as the central counterparties, It is not allowed to provide pricing, information intermediary and other services for token or "virtual currency"
the announcement points out that token issuance financing refers to the so-called "virtual currency" raised from investors through illegal sale and circulation of tokens. In essence, it is an unauthorized illegal public financing behavior, suspected of illegal sale of token tickets, illegal issuance of securities, illegal fund-raising, financial fraud, pyramid schemes and other illegal and criminal activities
extended information:
the central bank said that the so-called "digital currency" in the market is not legal digital currency:
the central bank's monetary Bureau issued a "risk warning on issuing or promoting digital currency in the name of the people's Bank of China" on its official website, saying that recently, indivial enterprises falsely use the name of the central bank, The relevant digital procts are labeled as "authorized issuance by the people's Bank of China", or the central bank's digital currency promotion team is falsely claimed, in an attempt to deceive the public and take the opportunity to make huge profits
the central bank said that the central bank has not issued legal digital currency, nor authorized any institutions and enterprises to issue legal digital currency, and there is no promotion team. At present, the so-called "digital currency" in the market is not legal digital currency. The central bank also suggested that the so-called "digital currency" launched by some institutions and enterprises and the so-called promotion of the central bank's issuance of digital currency may involve pyramid selling and fraud
in fact, virtual currencies such as bitcoin and lightcoin are representatives of the so-called digital currency. The central bank said in 2016 that it was studying China's legal digital currency. Yao Qian, director of the digital currency Research Institute of the people's Bank of China, previously told the media that the prototype scheme for the central bank to issue legal digital currency has completed two rounds of revision, and is expected to be tested in relatively closed application scenarios such as the bill market in the future, but there is no clear timetable for its launch
virtual currency and electronic currency are not the same concept
the definition of e-money is to convert a certain amount of cash or deposit from the issuer and obtain data representing the same amount. By using some electronic methods, the data can be directly transferred to the payment object, so as to pay off the debt. E-money means that consumers pay traditional money to issuers of e-money, and issuers store legal money of equal value with traditional money in electronic devices held by consumers
electronic currency is the electronization of the legal tender, including our common bank cards, Internet banking, electronic cash, etc., as well as the third party payment developed in recent years, such as Alipay, fortune paid and so on. No matter what form these electronic currencies are and through which institutions they circulate, their original source is the legal money issued by the central bank
but virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q currency and other game currency, such virtual currency is mainly limited to circulation in a specific virtual environment. After the emergence of bitcoin, through the blockchain technology to better solve the problem of decentralization, distrust, to achieve global circulation, is sought after in the world. Electronic currency and virtual currency are collectively referred to as digital currency
to see what's wrong
is the frequency too low when digging BTC
domestic well-known platforms include bitcoin China, OK, fire coin, bitcoin trading network and China bitcoin
Shanzhai currency trading platform: jucoin, bitage, Xigu.
Insurance editor to help you answer, more questions can be answered online
with the increasing number of private cars, the traffic is becoming more and more congested. As some novice drivers are not proficient in driving, they often encounter slight scratch. How to settle the claim for vehicle scratch? How to settle the claim for vehicle scratch? 1、 Stop the engine and check the condition. After the scratch accident occurs, you should immediately choose a more suitable place to stop. After parking, tighten the hand brake according to the regulations, cut off the power and turn off the engine of the car. In specific circumstances, we should comply with the provisions of specific circumstances, such as opening wide lights and tail lights at night. On the highway, it is also necessary to set up danger warning signs at the rear of the vehicle according to the regulations. 2、 For casualties, report to the police first to confirm the safety status of both parties. According to the relevant provisions of the new regulations on the handling proceres of road traffic accidents, "causing death or injury" is one of the situations in which the parties concerned should immediately report to the police. If personal safety is damaged in the scratch accident, the police shall immediately report to the police. The parties may choose to reach an agreement on their own to deal with the eight situations that are not required to report to the police as stipulated in Article 8 of the new regulations on proceres for handling road traffic accidents. 3、 Vehicle damage to obtain evidence to check the condition of the vehicle. It is appropriate to use digital tools to record the scene. For example, the camera function of mobile phone and digital camera are used to record the scraped parts and vehicle condition. Usually, the front side, rear side and rubbing parts of the car should be photographed from multiple angles. It's better to have the scene of both parties on the scene in the shooting picture. 4、 The basic information should record the vehicle information of both parties and the owner information. It is necessary to record the license plate number, driving license, driving license, insurance license and other information of both parties. It is highly recommended that some forms should be printed in advance in case of scratch accident, so as to save time and effort. How to settle the claim for vehicle scratch? When a car is hit or scratched improperly, it is better to save the scene for compensation. Cameras, video cameras, and even mobile phones that can be used to take photos can be used to help. You should take photos of the scene of the accident as evidence in a timely manner, which is concive to the rapid handling of cases, and can also rece the dispute over the responsibility of the accident. When taking the scene pictures, you need to take the front, rear, left, right, left front, right front, left rear and right rear parts of the car body, especially the collision parts. As long as the above efforts are done, the claim proceres can be greatly reced. How to settle the claim for car scratch? Who should pay for car scratch in parking lot? Q: ring the national day of 2011, I drove to a hotel to attend a friend's wedding banquet. When my car was parked in the parking lot of the hotel, it was scratched by Wang when he backed up. I asked Wang for compensation. Wang said that the scratch caused by the improper command of the hotel's parking lot management when reversing should be compensated by the hotel, but the hotel thought it was Wang's responsibility, and both parties refused to give compensation. Excuse me, who should be responsible for the loss of the vehicle? A: your loss should be jointly compensated by the hotel and Mr. Wang The contract law stipulates: "ring the period of safekeeping, if the safekeeping is damaged or lost e to improper safekeeping, the safekeeping shall be liable for damages..." since you park your vehicle in the parking lot, you have established a safekeeping contract with the hotel, and the hotel, as the safekeeping, should properly keep the safekeeping. The vehicle was scratched by other vehicles ring the period of custody, and it was caused by the parking management personnel's improper command of the vehicle reversing, so the hotel should be responsible for the compensation. As a driver, Wang did not estimate the distance, or misunderstood the manager's gesture and other reasons, resulting in motor vehicle damage, there is fault, should also bear the responsibility for compensation. Some car owners claim too many times for minor vehicle scratch insurance, which leads to premium increase. I want to change the insurance company in the new insurance year, so as to avoid the punishment of the original insurance company to increase the premium. However, at present, various regions in China have established a vehicle insurance claims information database, through which all insurance companies know the claims of any motor vehicle over the years. This means that if the number of auto insurance claims reaches a certain level, no matter which insurance company you are insured with, you can't escape the "punishment" of the floating premium of commercial insurance. Therefore, car owners should check their claims in time, and then decide whether to increase the number of claims or the amount of claims, so as to prevent the insured company from increasing the premium according to the regulations. However, do not blindly in order to rece the number of claims to give up the claim, that will lose the significance of insurance