Virtual currency of electronic finance
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
Virtual currency is the currency used for electronic circulation. Now the scope of virtual currency is very large, including q-coin, bitcoin and so on. With the development of digital currency, virtual currency is becoming more and more abundant, which may become the mainstream in the future. For example, BTC, EOS, bcbot and so on are not only virtual currencies, but also algorithms, landing projects and technologies
virtual currency is mainly issued by online game service providers to purchase game props, such as equipment, clothing, etc. But at present, the use of virtual currency has gone far beyond this category. Virtual currency can be used to buy game cards, physical objects and download services of some movies and software
extended data:
real risk
as the proct of e-commerce, virtual currency has begun to play an increasingly 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
fraud
the private transaction of online virtual currency has realized the two-way circulation between virtual currency and RMB to a certain extent. The activity of these traders is to buy all kinds of virtual currencies and procts at a low price, and then sell them at a high price to earn profits. With the increase of such transactions, there are even virtual mints. In addition to the virtual currency provided by the main company, there are also some people who specialize in "virtual coin making" to obtain virtual currency by playing games and then resell it to other players
Taking Wenzhou as an example, there are about seven or eight such "virtual mints" with four or five hundred practitioners. This not only creates a bubble for the price of the virtual currency itself, but also causes trouble for the normal sale of the issuing company. It also provides a platform for selling and collecting money and money laundering for various cyber crimes. p>
impact system
in modern financial system, the issuers of money are generally central banks, which are responsible for the management and supervision of money operation. As the equivalent exchange goods used to replace the real currency circulation on the Internet, the virtual currency on the Internet is essentially the same as the real currency. The difference is that the issuers are no longer central banks, but Internet companies
if the development of virtual currency makes it form a unified market, each company can exchange with each other, or virtual currency is integrated and unified, and all of them are based on the same standard and price, then in a sense, virtual currency is currency, which is likely to form a threat impact on the traditional financial system or economic operation
reference: network 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
network virtual currency can be roughly divided into
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and using these to buy Herbs and equipment, but it can only be used in his own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community, the realization of game networking, virtual currency has a "financial market", players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third kind of virtual currency on the Internet, such as bitcoin (BTC), Fuyuan coin (FTC), Wright currency (LTC), etc. bitcoin is an electronic currency proced by open-source P2P software. Some people also translate bitcoin as "bitcoin", which is a kind of network virtual currency. It is mainly used for Internet financial investment, and can also be directly used in daily life as a new currency.
The differences between e-money and virtual money are as follows:
1. Electronic money refers to using a certain amount of cash or deposit to exchange from the issuer and obtain data representing the same amount, or through the quick payment service launched by the bank and the third party to transfer the balance in the bank through some electronic ways, so that transactions can be carried out. Strictly speaking, it is a kind of currency that consumers use the bank's Internet banking service to store value and make quick payment to the issuers of electronic currency, and make consumers trade electronically through media (two-dimensional code or hardware equipment)
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" The detailed explanation of electronic currency is as follows:1. Concept: it is an encrypted serial number representing cash, which can be used to represent the currency value of various amounts in reality. With the transformation from paper-based economy to digital economy, e-cash will become the mainstream
2. Features: anonymity, transaction cost saving, transmission cost saving, low holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, non traceability
There are two kinds of e-cash: one is based on the Internet and keeps the binary data representing the value of money in the hard disk of the computer terminal; One is the electronic wallet that keeps the monetary value in the IC card and can be circulated without the bank payment system4. Definition: consumers pay traditional money to the issuers of electronic money, and the issuers store the equal value of traditional money in the electronic devices held by consumers in electronic form
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.
1. Network virtual currency can be roughly divided into two categories:
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and uses these virtual game data to buy Herbs and equipment, or in some special games as a scoring unit to increase the fun of the game, which is an embodiment of the player level. But it can only be used in your own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community and the realization of game networking, there has been a "financial market" for virtual currency, where players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third category refers to bitcoin, Ruitai coin, Laite coin, Weimeng coin and other digital cryptocurrencies
2. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and the acquisition of 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.
of which 0 has been successfully registered, 1 is under application, 0 is invalid registered and 0 is on sale< According to the statistics of intellectual property rights of Bajie, itcoplex can also register the following trademark classifications:
category 1 (chemical agents and fertilizers)
category 2 (pigments, paints, dyestuffs and antiseptic procts)
Category 3 (daily chemical procts, washing and care procts and spices)
category 4 (energy, fuel and grease)
category 5 (drugs, sanitary procts and nutritious procts)
category 6 (metal procts Metal building materials, metal materials)
class 7 (mechanical equipment, motor, transmission)
class 8 (hand tools (small), tableware, cold weapons)
class 9 (scientific instruments, electronic procts, security equipment)
class 10 (medical devices, medical supplies, alt supplies)
class 11 (lighting and sanitary ware, cold and hot equipment, electronic equipment, security equipment)
class 10 (medical devices, medical supplies, alt supplies)
class 11 (lighting and sanitary ware, cold and hot equipment Disinfection and purification)
twelfth category (transport tools, carrier parts)
thirteenth categories (arms, pyrotechnics, personal protective spray)
fourteenth category (jewelry, precious metals, Zhong Biao)
fifteenth class (musical instruments, instrumental accessories and accessories)
sixteenth categories (paper, office supplies, stationery teaching aids)
seventeenth category (rubber procts, Insulation and sound insulation materials)
class 18 (bags, leather goods, umbrellas)
class 20 (furniture, furniture parts, cushions)
class 21 (kitchen utensils, household utensils, washing appliances)
class 22 (ropes, awnings, bags)
class 23 (yarn, thread, silk)
class 24 (textiles, bedclothes, towels)
class 25 (clothing, shoes and hats Socks and gloves)
class 26 (accessories, wigs, buttons and zippers)
class 27 (carpet, mat, wallpaper)
class 28 (toys, sports fitness equipment, fishing tackle)
class 29 (cooked food, meat, eggs and milk, edible oil)
class 30 (pastry, condiments, drinks)
class 31 (fresh, animals and plants, feed seeds)
class 32 (beer, meat, eggs and milk, edible oil)
class Non alcoholic beverages)
category 33 (alcohol, alcoholic beverages)
category 34 (tobacco, smoking sets)
category 35 (advertising, business management, marketing)
category 36 (financial affairs, real estate management, pawn guarantee)
category 37 (construction, interior decoration, repair and maintenance)
category 38 (telecommunications, communication services)
category 39 (transportation, warehousing, mortgage guarantee)
category Energy distribution, travel services)
class 40 (material processing, printing, sewage treatment)
class 41 (ecation and training, sports activities, entertainment services)
class 42 (R & D quality control, it services, building consulting)
class 43 (catering and accommodation, nursing, animal accommodation)
class 44 (medical treatment, beauty, gardening)
class 45 (security law Wedding (housekeeping, social service)