what is a jewelry wholesaler Digital RMB is here, how to ensure the safety of digital RMB? What is the difference between Alipay?

wholesale jewelry enamel The historical moment is here to pay attention to a big news. We may have to formally say goodbye to banknotes.
The two -day Mom Cai came out to confirm that the digital RMB will start pilot closed tests. The first test point is Suzhou. If we go smoothly, we will quickly start the era of digital currency.

The digmical RMB

what is digital RMB? What are the other paper RMB we use with Alipay and Alipay?
In fact, the number RMB this time can actually be called the electronic version of the RMB, which is the same as the RMB of our banknotes.
, but the banknotes are offline and can be visible. The electronic version only exists in our electronic devices, such as mobile phones.

If banknotes are compared to tape CD, the digital currency is MP3 file.
The many people will have doubts. Isn't this Alipay WeChat payment? What is the difference?
This looks like a little bit, but in fact, the difference is very large:
D digital currency issued by Yangma is actually not those numbers seen in our bank.
He has the same face as a banknote, quantity, and can be separated.
For example, a digital currency of 200 yuan will be sent to you. He can be divided into two 100 yuan, or it can be divided into 4 50 yuan of noodle currency, which exists in your electronic equipment.
and Alipay, WeChat and online payment. Although they do not need cash, they are not qualified to print money or have no payment ability. Complete payment.

It simply, digital currency is money. The online payment of Alipay WeChat is just a porter for money.
The also has a key point. Third -party online payment requires networks. If the mobile phone has no signal, there is no way to check out.
If the mobile phone is arrears, there is no way to use online payment.
and digital currency. Your mobile phone has no network, but as long as there is electricity. The mobile phone and mobile phone can turn over the money.
It, digital RMB's payment is anonymous. And third -party payment requires real names, and you need to bind your bank account.
The visible digital currency is suitable for hiding private house money.

of course some people will say that it will pass it like this, and the thief will be more convenient to steal things in the future.
It here, although we are anonymous from our one, from the national level, those thieves can’t be so mad, because where the money obtained, how can I go, how can I go, where to go, where to go Where is the end, it can be finally. So those thieves be good.
So we may really enter the new era, say goodbye to the 72 -year paper RMB, and entered the era of digital currency.

of course the central bank's digital RMB is safe, the central bank is directly managed, and the RMB is also safe. Take some time to learn about the legal digital currency of the central bank.
The economy may become the first economy to issue sovereignty digital currencies. Mu Changchun, director of the Central Bank Digital Currency Research Institute, clearly defines digital currencies, which is "the functional attributes are exactly the same as paper money, but it is just a digital form." DCEP has unlimited method of compensation, which is M0 replacement (paper money and coins), not M1 and M2.
D digital currency issued by the central bank belongs to the central bank's liabilities, with national credit, and equivalent to legal currency.
On April 16, the first application scenario of the central bank's digital currency landed in Suzhou. The central bank's digital currency (DCEP) will be used as a form of transportation subsidies. In May, it will be distributed to the district -level organs, institutions and institutions of Suzhou Xiangcheng District to ignite the domestic digital currency sector. This trial operation marks the official launch of the sovereign digital currency developed by my country.
D digital currency is safer than bank deposits, because only the central bank can confirm the right!
The safety does not need to worry about safety. The issuance and recovery of banknotes are the double-layer system of the "Central Bank-Commercial Bank". When the issuance fund is distributed to the central bank's distribution library, and then transferred from the central bank's distribution library to the banking institution business Library, then enter the circulation field from the banking institution business library.
The white paper issued by DCEP mentioned that DCEP also uses the "Central Bank-Commercial Bank" dual-layer operation system, which follows the current banknote distribution model, namely: 1. Central banks issue digital currency to commercial banks; 2. Commercial banks provide services such as digital currency access to the public. Compared with the mode of issuing digital currency to the public directly to the public, the benefits of the dual -layer operation system are: 1) easier to make legal figures in the existing currency operation framework. The currency is gradually replaced by banknotes without subverting the existing currency issuance circulation system; 2) can mobilize the enthusiasm of commercial banks, jointly participate in the issuance of statutory digital currency issuance, appropriately disperse risks, accelerate service innovation, and better serve the real economy and social livelihood.
In central bank digital currency replacement M0, its functions and attributes are similar to banknotes, but they are only digital.

The third -party Internet payment such as Alipay and WeChat Payment. It follows the settlement currency settlement of commercial banks. It belongs to the digitalization of M1 and M2 levels. It does not have M0 legal effect, and it is impossible to replace M0.
DCEP does not need to be connected to the network, only requires mobile phones, and does not need to be bound by bank cards. It can be traded. Alipay needs to be connected to the Internet and binds a bank card.

DCEP did not intend to replace Alipay and WeChat's plans, which will not affect Alipay and WeChat.
. DCEP is safer than Alipay and WeChat. If Alipay is compared to a bank, your money exists in this bank, and all the money is transferred through this bank. Although Alipay's volume is large enough, it cannot exclude the possibility of bankruptcy of Alibaba and Ant Financial. After all, commercial banks have the possibility of bankruptcy, so the safety of billions of user assets is not guaranteed. For regulatory levels, the regulatory levels come to the regulatory level. It is said that the implementation of digital currencies endorsed by the central bank and the country is a kind of planning.

has said so much, do you have a certain understanding of the central bank's digital currency? Do you have more expectations for its convenience and safety? Here, are you ready?

did the product launched by the central bank, don't you feel safe? If it is not safe, then what do you judge the safety of the product based on?
So do not need to ensure the safety of digital RMB, because it is safe itself, just like you do n’t need to ensure its safety, the safety is there, whether you can see it or not, or dare you feel it or you can feel it or you still get it or you can get it or still Can't feel it.
What is the digital RMB back to the question itself? Digital RMB refers to the central bank's digital currency (DCEP), which corresponds to M0, and M0 is the currency in circulation, such as coin banknotes.
, that is, digital currencies are only different in carriers. They are not manifested in physical forms, but they have physical characteristics. For example, 100 yuan of banknotes, then we can get our hands and touch it. It has its morphological performance, which is the so -called cash. If it is changed to a digital currency, then it becomes a string of digital code (key).
The balance of Alipay (non -Yu'ebao, Yu'ebao corresponds to monetary funds, wealth management products, corresponding non -cash)? In fact, the balance is just a third -party payment institution reserved. Alipay plays the role of payment and does not have the function of issuing currency. That is to say, how much it corresponds to spent in the bank, and initiate transfer, just send orders to the bank for transfer. It is not a currency, or a kind of information weekly settlement service.
The digital currency issued by the central bank is practical, not an information weekly settlement service, which can be created by the central bank.
. Its trading model is the same as banknote coins with physical forms. It does not require the network, and there is no need to initiate a network instruction, and then let the bank transfer. However, if the device is lost, it is like a wallet loss. The key is implanted into the device. It is not possible to retrieve the account number and password through the network technology like Alipay to retrieve the corresponding funds.
is one more point. Because it is cash, not bank deposits or wealth management products, it will not produce interest. Coupled with the binding of the device, the corresponding equipment is implanted, and the device is lost. Therefore, when it is exchanged for digital currency, it is not appropriate to exchanges large amounts. How much need to be exchanged for exchanges, just like how much cash needs are required to withdraw from how much cash.
Of course, when people are used to third -party payment, such as WeChat Alipay, and the blessing of currency funds, they can directly pay the corresponding income while paying. The advantage of the early adopters is still possible. For ordinary users, it may not be as great as expected, but it may have corresponding availability for enterprises.
This is a good question!
D digital RMB is here.
D digital RMB is different from the difference in digital currency in the society in the past few years, and it is essentially different from Alipay and WeChat payment.
D digital RMB is m0, which is equivalent to cash, and there is a government credit endorsement.
Alipay is M1, which is a deposit and wealth management category. It is not suitable for deposits within the scope of compensation for bank insurance regulations. Alipay is a private enterprise and endorses with Ali's credit.
D digital RMB has an additional touch function this time. This function can complete the transfer with electricity with electricity. It does not require network signals. For example, payment can be completed in the basement and remote areas. The mailbox is sufficient, and there is no need to bind a bank card for transfer. The convenient payment method of mobile phone Alipay is based on the construction of 4G network infrastructure. It is determined to a certain extent on the speed of the network. I do n’t believe that you can not pay the account trial, and the seller ’s service attitude can not let you go.
It due to the difference in credit endors of the two, it determines the difference in international status, which is conducive to the further internationalization process of the RMB. In this regard, it is not done by Alipay.

Tebao and mobile banks have paved the way of paving and habit development for us, and cultivated a lot of good security awareness. The commonly used digital passwords, gesture passwords, fingerprint payment, face -brushing payment, etc. If these measures can be used in place, it is okay to ensure the security of digital assets for general users.
Thank you for your reading, welcome everyone to watch a message and exchange.
It is not to understand, can this "digital currency" exchanged with the current physical currency equivalent? What if you can, what "platform" is used to operate? This is a real problem that must be prepared in advance. It is no longer possible to have such problems such as the new version of RMB and the supermarket cash register system. At the same time, the convenience of ordinary people must be considered.
First of all, one of the remarkable features of the central bank's digital currency is that the source and the whereabouts will be clear at a glance. In addition to the coverage of the real -name system, no matter how many times it goes through Said more than unknown banknotes.
The central bank's digital currency functional attributes are exactly the same as paper money, but it is just a digital form. It is used to replace the existing M0 currency, reduce the risk of counterfeit banknotes, and crack down on illegal money laundering.
In central bank digital currency is a digital form of paper banknotes. Payment is like cash payment. Its functional attributes are exactly the same as paper money. Positioning replace traditional banknotes, not M1 (M0 Mistory deposit) and M2 (M1 regular deposits). Its effect and security are the highest.
The difference between digital currency and Alipay is that Alipay belongs to third -party Internet payment. It is a digitalization of commercial bank deposit currencies. It belongs to the digitalization of M1 and M2 levels. It does not have the legal effect of M0 level, and it cannot replace M0. Digital currency now is that everyone has an electronic wallet, which does not require an account, and is directly exchanged for digital currency. This wallet is the same as putting it in your pocket. In other words, after the launch of the central bank's digital currency, it was only replaced by digital RMB. The channels and scenes of the central bank's deposit currency have not changed. The source of Alipay funds must be transferred through a bank card, that is, there is an intermediary of a bank account, and digital currencies are like cash payment can be used offline without network and mobile phone signals.
The experience just now, I think it must be safe. I believe no one dares to invade the APP created by the central bank. Unless he feels that the outside days are too comfortable, or if you want to be famous, the trend of mobile payment after mobile payment is irreplaceable. Saying that technology changes the future, I believe that life in the future must be simpler and fast. The scientific and technological life in the movie will definitely not be too far
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On the evening of April 14th, the central bank's digital currency DCEP ushered in ushered in usage A historic fetal movement.