healing jewelry wholesale What level should digital currency be attributed to the currency level?

wholesale estate jewelry narberth Digital currencies are walking towards us. Recently, a photo of a central bank's digital currency (referred to as DCEP) in the agricultural bank account was circulated on the Internet. On April 17, the Central Bank Digital Currency Research Institute officially announced that digital RMB research and development work is steadily promoted, and it is first in Shenzhen, in Shenzhen, in Shenzhen, Suzhou, Xiong'an New District, Chengdu and future Winter Olympics scenes conduct internal closed pilot tests. How will the digital currency affect our "money bag"? How will it be "getting along" and competing with WeChat, Alipay, which is now available? What information technology will its operations involve and use? What new opportunities will it bring to the information technology field?

What kind of "money" is the digital currency?

Why do central banks launch DCEP at this time? There are many speculations.

"The central bank's issuing digital currency will happen sooner or later." Wu Tong, deputy director of the CECBC Blockchain Special Committee of the Ministry of Commerce, and the Dean of the Digital Economy and Business School, are interviewing by the reporter of China Electronics News. Show. The People's Bank of China has studied in 2014. In 2019, it has been approved by the State Council to organize some powerful commercial banks and relevant institutions to jointly carry out the research and development of the digital RMB system. Today, this time node should be "cooked."

. As for the reason why the central bank issued digital currencies, there are also different opinions. Some say that DCEP is the official payment method, which can ease the impact of third -party payment platforms such as Alipay and WeChat. Use technical means to overtake the curve to end the US dollar hegemony and accelerate the internationalization of the RMB.

The should be said that the digital economy era requires more digital payment methods. "Compared with banknotes, DCEP can reduce issuance and transaction costs, higher circulation efficiency, and data can be traced back. The issue cost of 100 yuan is 1 yuan, and the issue cost of 1 yuan coin is 9 corners. There are a lot of loss. "Wu Tong said. After experiencing "physical currency" and "government credit", human currency history finally came to the "digital currency" stage.

The is very concerned about what the DCEP looks like? What is the difference between "what use" in the future than the current banknotes? Is it similar to a credit card?

"In fact, we can understand that DCEP is a more convenient banknote." Jiang Zilong, the person in charge of Oklink business, told the China Electronics News reporter. At the same time, DCEP adopted double -layer operations. In the system, the central bank manages commercial banks and does not directly face customers. It is not appropriate to analogize the credit card, but the function of offline payment can be realized. In the test version, the application has the function of code payment, remittance, receiving two -dimensional code, and touching. "Touch" is the function of offline payment.

"Specifically, the use of digital currency of the central bank needs to install a DC/EP wallet on the mobile phone. The wallet does not need to be bound to a bank card, but you need to log in to the personal central bank's digital wallet account." Sidi Pu Songtao, director of the Software Research Office of the Think Tank Software Institute, further analyzed its possible form and way of use in an interview with the reporter of the China Electronics News. In the future, the way people get the central bank's digital currency are divided into three categories. The first category is to open a digital currency wallet to the bank, and directly hold the cash on the hand, including banknotes and coins, replace it with digital currency (counter processing); the second category is to directly use bank account money to exchange digital currencies; third The class is traded directly outside the field. The transfer method of the central bank's digital currency can scan the code or touch the transfer. The code scanning may require a network connection, but the touch function does not require a network connection.

Wu Tong believes that offline transactions should not be too long. After all, these transactions require data processing in the background. The design of offline transactions is to cope with some payment in some network state, so the design is to hope to further expand the use of digital currencies.

In the official announcement of the Digital Currency Research Institute, it also mentioned the design of "the front desk anonymous background is not anonymous". What does this mean? Knowing the information of the other party has further enhanced the security of user information and data, but in the background central bank, it knows the specific information of the transaction.

The competition with WeChat Alipay?

The third -party payment such as WeChat and Alipay is now everywhere, so when DCEP comes out, people will definitely use WeChat and Alipay to conduct it. Compare. At present, DCEP and WeChat, Alipay and RMB are all one -to -one value, "100 yuan is 100 yuan", which are the digital presentation of the RMB. What is the difference between them?

. The difference between Alipay and WeChat is that the function of DCEP is consistent with the function of paper money and coins. The main positioning is to replace M0, that is, the RMB digital replacement. "Alipay, WeChat and other electronic payment tools are M1/M2. When you use WeChat to pay with Alipay for payment, you need to bind to the bank account. In short, DCEP is the upper structure of these tools." Jiang Zilong said. The currency level of the central bank's digital currency belongs to M0, and the currency level paid by third parties such as WeChat and Alipay is M1 or M2. "

M0, m1, M2 mean? M0 refers to cash in circulation; M1 is M0 Mistatic deposit; M2 is M0 M1 savings deposits regular deposits other deposits." In simple terms, WeChat and Alipay are a combination of financial products. It is interesting to use WeChat, Alipay to store on wallets such as change, Yu'ebao and other wallets, and DCEP is RMB and no interest. This is designed to make DCEP more flexible You can have interest when you need interest. "Wu Tong said.

In addition to the different currency levels, the central bank's digital currency is different from the credit endorsement of third -party payment. The main body of the endorsement is the enterprise.

From the perspective of data security, only the central bank knows the use of DCEP user transaction data, but uses WeChat and Alipay to pay, user payment and transaction information Tencent The service is known. In this sense, the security of DECP will be higher.

The information currently revealed that the pilot cities Suzhou will be issued by the pilot cities Suzhou starting next month, and half of the traffic subsidy of civil servants will be issued. Digital currencies, some banks in Shenzhen have used DECP to pay party fees internal employees. Xiong'an's pilot merchants for DCEP are mainly well -known companies in catering, entertainment, retail and other industries. Alipay "Same Day".

"In the short term, the central bank's digital currency will not have a fundamental shake on the status of WeChat and Alipay. Essence But in the long run, with the gradual improvement of the digital currency application ecosystem, it is not ruled out that future currency circulation is mainly through the possibility of digital currency form. As a national credit, the central bank's digital currency can refuse the central bank's digital currency. Pu Songtao said.

DCEP's promotion will not have challenges, because it is a fiat currency, which is equivalent to the upper structure of Alipay and WeChat. The inconvenience and high cost. "And I guess that Alipay and WeChat will definitely act quickly, open up the exchange channel with DCEP, and quickly carry out the related business of DCEP. This is the practice of current affairs. "Wu Tong said.

Mu Changchun, director of the Central Bank Digital Currency Research Institute, previously expressed the consistency with Wu Tong in the online public class. It is exactly the same as paper money, but the shape is digital and has national credit. Once the issuance is issued, it must be used. WeChat wallets and Alipay are not just functional software similar to accounting software. , Life payment, small loan, and other functions. After the issuance of digital currencies in the future, these software will definitely access digital currencies.

"DCEP's attribute determines that it must adopt a double -layer operation system for operation. In fact, the dual -layer operation system is also a system of paper banknotes and operations at this stage. It is impossible for the central bank to put banknotes to citizens themselves. Therefore, after the central bank prints banknotes, the commercial bank pays the People's Bank of China to pay a currency issuance fund. Each commercial bank's outlets are exchanged for cash. DCEP is the same reason, but the user uses digital currencies more electronic, reducing the costs such as coins, transportation, and storage, and it is not a special operation management method. "Jiang Zilong said.

What information technology has been used?

because of DCEP's pilot, the concept stocks related to blockchain on the stock market have skyrocketed for a while, as long as they are mentioned Digital currency, the first thought of everyone's thought was the blockchain, and thought of decentralization. However, in the interview, almost all the respondents said that only a small part of the DCEP system currently uses the blockchain Technology.

In blockchain has played the role of underlying data support. If it is a completely decentralized public chain at this stage, it cannot support the operation of digital currency. Among them There are challenges in design and operating systems. Pu Songtao said: "Because DCEP is a digital currency with legal repayment, any tiny errors will have an inestimable consequences. There is no centralized institution in operation supervision, and the completely decentralized digital currency is difficult to maintain long -term stable operation in carrying value storage and circulation. "

" As a digital replacement of RMB, it must require centralized management. Therefore, in terms of technical architecture, it must be a centralized database, and mature cloud computing, big data and other technologies. "Wu Tong said," Blockchain is currently only adopted in DCEP's digital identity authentication. "

This should be said that the issuance of the central bank DCEP will involve many links and technologies in the future. It will drive not only the development and application of blockchain technology.

Reporters It is learned that the information technology used by the current digital currency, according to public information, the core elements of the central bank's digital currency system are one currency, two libraries, and three centers. The specific constituent elements include: the central bank's digital currency private cloud, used for it for for the private cloud, used for it for for the private cloud of digital currency. The underlying infrastructure supports the operation of the central bank's digital currency operation; the digital currency is an encrypted digital strings guaranteed and signed by the central bank; ; Digital currency commercial bank libraries, commercial banks store the database of central bank digital currency, which can also be on the central bank's digital currency private cloud; digital currency digital wallets refer to the client of individuals or unit users in the circulation market. This wallet can be based on hardware or software; the certification center, central banks, central banks to centrally manage the central bank's digital currency institutions and user identity information. It is the basic component of system security and an important link for controllable anonymous design. Digital currency and corresponding user identity, complete the registration of ownership, record flow, complete the entire process of the central bank's digital currency generation, circulation, check check and demise; big data analysis center, anti -money laundering, payment behavior analysis, regulatory regulatory index analysis, etc. R n
In public information, in addition to the active layout of the four major commercial banks in digital currency, the three major operators also participated in it. In the process of trial operation, many information technology companies participated in it. . DCEP's stages from distribution, distribution, payment to supervision, etc. The industrial links participating in it mainly include several major directions: bank IT transformation, ATM machine to DCEP support, digital currency wallet app (transformation or new development), passwords), passwords) Protection, monitoring and application of digital currencies are expected to benefit from the construction of a new digital currency system. The DCEP trial operation information is announced, and related concept stocks such as POS machine transformation, confidentiality security, digital certification, etc. from bank IT transformation to POS machinery transformation, confidentiality security, and digital certification have risen again. From the perspective of the terminal, in 2019, the bank card cross -bank payment system connected merchants of 23.62 million, the networking POS machine was 30.89 million units, and the ATM machine was 1.09 million units. The transformation of these devices will bring a huge market. In 2020, the scale of bank IT investment in China will reach 14.887 billion yuan, a year -on -year growth rate of 10.2%. If digital currencies accelerate, bank IT investment will be further increased. The core links of circulation, distribution, payment to supervision require a lot of IT technology, and in the data economy era, its future application is also optimistic.

In from reporters The contract "application, because DCEP is an intelligent currency, has the characteristics of loading smart contracts. What exactly is, according to Baidu Encyclopedia's interpretation of a computer protocol aimed at spreading, verifying or executing the contract in an informatization manner. Smart contract allows trusted transactions without a third party, which can be tracked and irreversible.

The Pu Songtao explained the smart contract with a consultation story. Then we started to consult, and the contract will be executed automatically. If it is half an hour, you will automatically deduct you 100 yuan. After the execution is completed, the money will enter my account. In the data economy era, smart contracts have a lot of application space. "As DCEP's application link further expands, smart contracts are likely to be loaded in the future.

As the central bank continues to advance DCEP, there will be a greater imagination space in the future. On April 28, the People's Bank of China Digital Currency Research Institute signed a cooperation agreement with Shangtang Technology. The two parties will jointly carry out the application development of artificial intelligence technology in financial scenarios to accelerate the research on artificial intelligence innovation in the financial field.

Is about the cooperation between Shang Tang and the Institute of Digital Currency of the Central Bank, Shang Tang did not give more statements. Pu Songtao believes that from the perspective of the entire technological innovation and industrial development, the integration and innovation of digital currency and AI technology has great potential, and it is expected to expand the functional implementation model and value of digital currency. But in the short term, the actual role and value brought by the combination of the two have not yet been judged. "At present, you can imagine that AI may be applied in two aspects: one is to make the money function more intelligent in terms of the convenience of payment. The other is the use of digital currency issuance and use to use big data AI to achieve early warning. "Pu Songtao said.

Jiang Zilong believes: "DCEP and the Internet of Things technology will be combined. As a digital currency, when value exchange under the chain, it must be connected to the relevant equipment on the information on the chain. The application of technology is irreplaceable. "It is also possible to load digital currency payment by various IoT terminals.

It believes that in the future of the digital economy, digital currencies will get closer to various information technology.