Two sessions discuss virtual currency
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
e-money: in fact, it is the electronization of legal currency, including our common bank card, online banking, e-cash, etc; There are also third party payments developed in recent years, such as Alipay and WeChat payment. No matter what the form of these electronic money is and through which institutions it circulates, its original source is the legal money issued by the central bank
virtual currency: virtual currency refers to non real currency, and its existence state is intangible. The most important difference between virtual currency and electronic currency in narrow sense is the difference of issuers. Virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, game currency, q-coin, and ticket counting are mainly limited to circulation in a specific virtual environment
digital currency: a digital currency that applies the latest digital network technologies such as blockchain and has the characteristics of Distributed Accounting, unique encryption technology and decentralized settlement. Of course, digital tools with these characteristics must be supported by national credit if they want to become sovereign currency or legal tender
commonly referred to as Q / currency and bitcoin, all belong to virtual currency. Compared with digital currency, the most fundamental difference lies in the difference of issuers. Virtual currency is the electronization of illegal currency. The issuer is not the central bank, and it can only circulate in a specific virtual environment, such as Tencent Q / currency and other game currencies; Digital currency can be used for real goods and services transactions, but only the digital currency issued by the state is legal digital currency, bitcoin is illegal digital currency.
As a proct of e-commerce, virtual currency is playing a more and more important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers. Since 2004, the discussion on whether virtual currency represented by Q currency will impact RMB has been concerned by all parties. But officials have not been clear about this. The trading mode of virtual currency also expanded rapidly. A series of events triggered the attention of the community to the virtual currency. People have expressed their views on it. Some people think that virtual currency will have an impact on RMB, so we should take compulsory measures to prohibit the issuance of virtual currency; Some people hold a reserved attitude that virtual currency will not have an impact on RMB and should not stifle the development vitality of commercial organizations too early. Zhang Jie of Huawei group thinks so
with the continuous progress of technology, electronic payment (including electronic money) not only changes people's payment habits, but also imperceptibly changes people's consumption habits and promotes the expansion of consumer credit. It is necessary to pay close attention to the innovation of the form, the evolution of the nature, the difference of the operation mode and the possible impact on the credit risk and moral hazard of this new thing, and properly supervise it. But the more important thing is to give the market main body corresponding development space, avoid strangling the development vitality of the corresponding business organization in the early stage of market development. Therefore, the best way to treat e-money is to observe its changes and strengthen research. In the face of such remarks as "q-coin impacts the RMB financial market", we need to discuss them in the context of scientific and technological progress. The key to understand the problem is how to design relevant policies and encourage the development of electronic payment instruments such as electronic money, rather than the harm of speculative virtual money and electronic money. We call for strengthening supervision
As a proct of e-commerce, virtual currency is playing a more and more important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers
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fraud
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impact on financial system
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network security problems
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solutions
with the continuous progress of technology, electronic payment (including electronic money) is changing people's payment habits, but also changing people's consumption habits, promoting the expansion of consumer credit. It is necessary to pay close attention to the innovation of the form, the evolution of the nature, the difference of the operation mode and the possible impact on the credit risk and moral hazard of this new thing, and properly supervise it. But the more important thing is to give the market main body corresponding development space, avoid strangling the development vitality of the corresponding business organization in the early stage of market development. Therefore, the best way to treat e-money is to observe its changes and strengthen research. In the face of such remarks as "q-coin impacts the RMB financial market", we need to discuss them in the context of scientific and technological progress. The key to understand the problem is how to design relevant policies and encourage the development of electronic payment instruments such as electronic money, rather than the harm of speculative virtual money and electronic money. We call for strengthening supervision
the fire of virtual currency, many people join in the hype of virtual currency, but virtual currency is unreliable, mainly because:
1. many virtual currencies are air currency 2 3. Exchanges are all indivial enterprises, which have the risk of running away since the advent of virtual currency, it has been favored by many investors, which has led to the price rise of many virtual currencies. Among them, the price of bitcoin has risen to tens of thousands of dollars. Under the hype, the price of other virtual currencies is also rising. From the beginning of virtual currency trading, it has soared hundreds or even thousands of times, But it just shows that virtual currency is worthless and unreliable{ RRRRR} from internal value to external use, virtual currency will not create any value and has no security. If you have any other opinions, please leave a message to discuss
Recently, a & lt; Third, the price of virtual currency is easily manipulated; The news of, caused the hot discussion of broad netizens, make boiling on the net< so why is virtual currency easy to manipulate or hot? First of all, it is because the volatility of virtual currency is large, and it can be long or short, which can easily lead to some people's sudden profits or losses. So someone came in to try their luck. Then, among those who try their luck, there are always people who make a lot of money. Especially in the last major rise of bitcoin, many people made money, so rumors of sudden wealth began to spread. Finally, e to the rumor of sudden wealth, everyone thought it was easy to make money by investing in virtual currency, so they began to join in one after another. As a result, the price was pushed higher, and finally the funds were insufficient, and the explosion began what is the specific situation? Let me share my views with you
First of all, because the price of virtual currency fluctuates greatly, and it is true that the early entrants of bitcoin achieved sudden wealth. And new participants can also get rich or lose money through leverage. Big fluctuation will lead to some people making money{ RRRRR}the above are my views on this issue. They are purely personal views and are for reference only. If you have any different opinions, you can leave a message in the comment area for discussion
Recently, a & lt& rdquo; The news of, caused the hot discussion of broad netizens, make boiling on the net< so, how will the three major financial associations work together to ban virtual currency affect the price of virtual currency? In the short term, according to the current situation, it will cause a sharp decline, leading to many people's positions and profits. Second, long-term prices. In the long run, I think it will continue to fall, because now the virtual currency is being blocked more and more. Moreover, bitcoin has reached a very high position, and the technical form is expected to fall. To sum up, the price of virtual currency should continue to decline. The virtual currency itself is a finance out of thin air and may soon become history what is the specific situation? Let me share my views with you
First, short-term price. The short-term price has dropped a lot, and the price is close to being cut. This round of decline has led to the direct exposure of long sellers. Many of them are said to have evaporated more than $20 billion this time{ RRRRR}the above are my views on this issue. They are purely personal views and are for reference only. If you have any different opinions, you can leave a message in the comment area for discussion
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