Not long ago, yuehan·kelaien, Chief Executive at Deutsche Bank predicted in Davos, said: "ten years cash will probably do not exist. "The recent news of the people's Bank of China to set up digital currency Institute has further triggered a heated debate.
Our notes have disappeared, please? Issue digital money will have an impact on our lives?
Central Bank broke big news, notes could disappear in the future?
Unit directly under Central Bank Central Bank official website recently in 2017-recruitment jobs information table is displayed, people's Bank of China Institute of printing science plans to hire this year 6 have master's or doctoral degree digital currency of professional research and development work, once again aroused the concern of members about the China study on digital currency.
• Central Bank website screenshots
• Position information table screenshot
Head of the preparatory group for the people's Bank of China Institute of digital currency Yao Qian recently said Central Bank official prototype has completed two rounds of revision of digital currency, future in the paper market is relatively closed scenarios, such as pioneering.
Yao Qian said, the Central Bank issued digital currencies mainly replace physical cash, reduce the cost of traditional notes issue, circulation, improve convenience and transparency in economic transactions.
In fact, the Central Bank of digital money is already beginning.
According to earlier media reports, head of the preparatory group for the people's Bank of China Institute of digital currency Yao Qian said that from 2014 on the establishment of the people's Bank to issue legal Digital specializes in group currency, prospective study of digital currency-related issues, and demonstrates the Central Bank the legal feasibility of digital currency.
2015 and full power, on digital currency issued and business run framework, and digital currency of key technology, and digital currency issued circulation environment, and digital currency faced of legal problem, and digital currency on economic financial system of effect, and statutory digital currency and private issued digital currency of relationship, and international Shang digital currency of issued experience, further in-depth research, formed has people Bank issued digital currency of series research report, Bank issued statutory digital currency of prototype programme has completed two round amendment.
On January 20 this year, the Central Bank held the seminar on digital currency and further the strategic goals of digital currency issued by the Central Bank, pointed out that central banks digital currencies team will actively research the key technology of digital cash, digital currencies and strive for an early introduction of digital currency issued by the Central Bank.
However, China has a large population, large volumes and replace it with a version of notes, small country several months to be completed, China will take about ten years. In the longer term, coexistence of digital currency and the money will flow. For ordinary people, to the Bank to withdraw money in the future, you can either choose to exchange real cash, you can also choose to Exchange digital currency.
What is digital currency?
Everyone in everyday life come into contact with UnionPay, Alipay, micro-payments, POS terminals, and other forms of payment, in fact, is not what we mean by digital currency.
First of all, digital currency is based on the real currency in China is not a currency out of thin air, but in a different form, the two, the former is the electronic data, which was RMB banknotes.
Second, digital currency in China is a kind of digital network technologies to create electronic money, it also has the main features of network packets.
Packet consists of data traveling across the network code and the identification code consisting of two parts, code is that we need to send the contents of the data, while the identification codes specified in the where the packet came from, where properties such as, in order to achieve orderly transfer digital packets in the network. Accordingly, digital currencies also have these two features, Yuan is a record number of electronic data, a control code is its circulation, control codes, you can achieve what we want to achieve a great deal of functionality.
Characteristics of digital currency in China
1, digital currency in China is the result of combining traditional monetary and Internet, is money in the field of Internet +.
2, digital currency, China is by far the world's only a State-issued digital cash, with coins and other digital currencies do not have national credit and monetary anchor.
3, digital currency, China can learn from the block chain network new technologies to enhance their security and stability. Block chain is also a network topological structure, reducing the central tasks for the server, and has security features.
4, China digital money depend on the security and stability of the Internet, quantum communications technology used on China's digital currency security significance.
Digital currency and payment card, micro-payments, what's the difference?
Electronic payment methods such as PayPal, transaction is through bank accounts and used the money to, that is to say money from PayPal was actually corresponds to a note, and digital cash is money. In the actual experience of digital currency and electronic payment methods like, but essentially still have large differences between the two.
In addition, digital currencies and virtual currencies are different. Such as the well-known Q coin and various types of prepaid in-game currency is part of a virtual currency, virtual currency can only be purchased with real money, and cannot be converted into real money.
On a global scale, probably the most famous digital currency is "coins". However, similar to the "coins", the issuer of the digital currencies are no concentrate, anyone can participate in the manufacture, and around the globe. Digital currency is issued by the Central Bank and central banks, encryption, there is the national currency of credit support.
It is understood that, at present, on the official prototype of the digital currency system is in progress. As to when to launch China's legal digital cash, now have a timetable.
Paper money in the hands of shrink?
After the digital currency, you will change the amount of money in circulation? Our currency currency issuance and shrink?
In this regard, says Huang Zhen, Director of the Institute of finance and Economics finance law, digital currencies mainly refer to the money not raised money shrink. Currency issuance is still controlled by the Central Bank, or digital currency is only morphological change in currency notes outstanding.
In addition, mentioned Huang Zhen, now offering digital currency is still at the discussion stage, monetary value is a symbol of innovation, a lot of problems in the study. However, it has in practice tend to use electronic banking, electronic payments, instead of carrying paper money. Under this trend, later available on the banknotes in circulation may be reduced.
Will completely change your life! These four categories of people may be dead
Economic diplomacy he maochun, Director, research center of Tsinghua University said, compared to paper currency, digital currency advantages, not only can save the cost of issuance, circulation, but also improve the efficiency of trade or investment, enhance convenience and transparency in economic transactions. But following these types of people should sit.
① the bank teller
With the arrival of digital money, fewer and fewer people carrying cash, then you need to go to the Bank are naturally less, teller cash business nature is not all that much.
② banknote printing plant and Mint employees
With the reduction of cash in circulation in the market, the note-printing plant and Mint, no need to print so much money.
③ evading the crowd
With the transparency of economic transactions, money laundering, tax evasion will be much more difficult.
④ thieves
Thieves are increasingly "difficult".
Our notes have disappeared, please? Issue digital money will have an impact on our lives?
Central Bank broke big news, notes could disappear in the future?
Unit directly under Central Bank Central Bank official website recently in 2017-recruitment jobs information table is displayed, people's Bank of China Institute of printing science plans to hire this year 6 have master's or doctoral degree digital currency of professional research and development work, once again aroused the concern of members about the China study on digital currency.
• Central Bank website screenshots
• Position information table screenshot
Head of the preparatory group for the people's Bank of China Institute of digital currency Yao Qian recently said Central Bank official prototype has completed two rounds of revision of digital currency, future in the paper market is relatively closed scenarios, such as pioneering.
Yao Qian said, the Central Bank issued digital currencies mainly replace physical cash, reduce the cost of traditional notes issue, circulation, improve convenience and transparency in economic transactions.
In fact, the Central Bank of digital money is already beginning.
According to earlier media reports, head of the preparatory group for the people's Bank of China Institute of digital currency Yao Qian said that from 2014 on the establishment of the people's Bank to issue legal Digital specializes in group currency, prospective study of digital currency-related issues, and demonstrates the Central Bank the legal feasibility of digital currency.
2015 and full power, on digital currency issued and business run framework, and digital currency of key technology, and digital currency issued circulation environment, and digital currency faced of legal problem, and digital currency on economic financial system of effect, and statutory digital currency and private issued digital currency of relationship, and international Shang digital currency of issued experience, further in-depth research, formed has people Bank issued digital currency of series research report, Bank issued statutory digital currency of prototype programme has completed two round amendment.
On January 20 this year, the Central Bank held the seminar on digital currency and further the strategic goals of digital currency issued by the Central Bank, pointed out that central banks digital currencies team will actively research the key technology of digital cash, digital currencies and strive for an early introduction of digital currency issued by the Central Bank.
However, China has a large population, large volumes and replace it with a version of notes, small country several months to be completed, China will take about ten years. In the longer term, coexistence of digital currency and the money will flow. For ordinary people, to the Bank to withdraw money in the future, you can either choose to exchange real cash, you can also choose to Exchange digital currency.
What is digital currency?
Everyone in everyday life come into contact with UnionPay, Alipay, micro-payments, POS terminals, and other forms of payment, in fact, is not what we mean by digital currency.
First of all, digital currency is based on the real currency in China is not a currency out of thin air, but in a different form, the two, the former is the electronic data, which was RMB banknotes.
Second, digital currency in China is a kind of digital network technologies to create electronic money, it also has the main features of network packets.
Packet consists of data traveling across the network code and the identification code consisting of two parts, code is that we need to send the contents of the data, while the identification codes specified in the where the packet came from, where properties such as, in order to achieve orderly transfer digital packets in the network. Accordingly, digital currencies also have these two features, Yuan is a record number of electronic data, a control code is its circulation, control codes, you can achieve what we want to achieve a great deal of functionality.
Characteristics of digital currency in China
1, digital currency in China is the result of combining traditional monetary and Internet, is money in the field of Internet +.
2, digital currency, China is by far the world's only a State-issued digital cash, with coins and other digital currencies do not have national credit and monetary anchor.
3, digital currency, China can learn from the block chain network new technologies to enhance their security and stability. Block chain is also a network topological structure, reducing the central tasks for the server, and has security features.
4, China digital money depend on the security and stability of the Internet, quantum communications technology used on China's digital currency security significance.
Digital currency and payment card, micro-payments, what's the difference?
Electronic payment methods such as PayPal, transaction is through bank accounts and used the money to, that is to say money from PayPal was actually corresponds to a note, and digital cash is money. In the actual experience of digital currency and electronic payment methods like, but essentially still have large differences between the two.
In addition, digital currencies and virtual currencies are different. Such as the well-known Q coin and various types of prepaid in-game currency is part of a virtual currency, virtual currency can only be purchased with real money, and cannot be converted into real money.
On a global scale, probably the most famous digital currency is "coins". However, similar to the "coins", the issuer of the digital currencies are no concentrate, anyone can participate in the manufacture, and around the globe. Digital currency is issued by the Central Bank and central banks, encryption, there is the national currency of credit support.
It is understood that, at present, on the official prototype of the digital currency system is in progress. As to when to launch China's legal digital cash, now have a timetable.
Paper money in the hands of shrink?
After the digital currency, you will change the amount of money in circulation? Our currency currency issuance and shrink?
In this regard, says Huang Zhen, Director of the Institute of finance and Economics finance law, digital currencies mainly refer to the money not raised money shrink. Currency issuance is still controlled by the Central Bank, or digital currency is only morphological change in currency notes outstanding.
In addition, mentioned Huang Zhen, now offering digital currency is still at the discussion stage, monetary value is a symbol of innovation, a lot of problems in the study. However, it has in practice tend to use electronic banking, electronic payments, instead of carrying paper money. Under this trend, later available on the banknotes in circulation may be reduced.
Will completely change your life! These four categories of people may be dead
Economic diplomacy he maochun, Director, research center of Tsinghua University said, compared to paper currency, digital currency advantages, not only can save the cost of issuance, circulation, but also improve the efficiency of trade or investment, enhance convenience and transparency in economic transactions. But following these types of people should sit.
① the bank teller
With the arrival of digital money, fewer and fewer people carrying cash, then you need to go to the Bank are naturally less, teller cash business nature is not all that much.
② banknote printing plant and Mint employees
With the reduction of cash in circulation in the market, the note-printing plant and Mint, no need to print so much money.
③ evading the crowd
With the transparency of economic transactions, money laundering, tax evasion will be much more difficult.
④ thieves
Thieves are increasingly "difficult".
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