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[lastpost] => 2648706 骗子的遗憾$7100万比特币窃贼向受害者发送以太坊(转) 1715284691 人生如赌
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簡介( O f# ?; ^* s8 n- i
数字人民币(Digital Currency Electronic Payment,简称DC/EP)是由天朝人民银行推出的一种数字化的法定货币。与传统纸币相比,数字人民币存在于电子形式中,通过技术手段实现交易,进而促进支付体系的升级8 h9 ~# _3 I v9 ?7 q( N) G
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数字人民币的特点
; H; h, L. E& C3 n; j6 k) N1.数字形式: DC/EP是以数字代码的形式存在,而非纸质或金属货币
: B: P$ j5 N# Q. e8 ?9 _% s [ Z2.法定货币地位: 与纸币一样,数字人民币是由天朝ZF发行的法定货币,具有相同的法律地位
5 T0 M3 g, \1 j; F# R3.可追溯性: 数字人民币交易记录可被监测和追踪,这有助于打击非法活动,并提高金融体系的透明度
9 J ]: d5 Y& _9 k. k; X7 ~4.智能合约: 数字人民币的技术框架支持智能合约,可以实现在特定条件下自动执行支付
9 f: A) D9 Y* B3 x5.提高支付效率: 数字人民币的推出旨在提高支付体系的效率,减少交易成本,促进金融创新) L) G; e6 ^/ F% F( C
' _" V6 D( M5 J" @5 }/ b" q数字人民币试点工作于2019年底开始,已在多个城市和地区进行了试点推广。天朝的数字人民币项目是全球数字货币领域的领先实践之一,对于推动数字支付和金融科技发展具有重要意义。
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数字人民币的应用+ @+ |5 }/ q( D
●零售支付: 数字人民币可以作为替代纸币和硬币的电子支付工具,用于零售场景,包括超市、商场、餐馆等。用户可以通过手机钱包等数字化设备进行支付,实现方便快捷的交易
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0 k( y4 @: F& a" I8 ^ Y% b7 w* l! r●在线支付: 在数字人民币的支持下,在线支付体验将更加便捷。用户可以在电商平台、应用商店等在线服务中使用数字人民币完成购物和支付 M: Y! y$ C0 m( v- `- n: u; G, k
' t6 L4 X; ?" L, K; r●跨境支付: 数字人民币有望成为天朝进行跨境贸易和投资的一种支付手段。这有助于提高交易效率,降低支付成本,并促进国际贸易的发展7 ~1 m5 a5 U% L# u; j- J$ X3 j- N
# X. X, U/ R# `1 ?$ b●社会福利发放: ZF可以通过数字人民币实现社会福利的发放,例如工资、津贴、补贴等,提高发放效率,并减少不必要的行政成本: y% _* m! V0 M8 Z- R) r. w
) E% S0 D3 w' J6 M1 f$ L●金融服务: 数字人民币可以用于各类金融服务,包括贷款、借记卡、信用卡。数字人民币的智能合约功能还有助于创新金融产品和服务9 a: p: z8 m# L: O; T! |
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●监管和合规: 数字人民币的使用可以更好地实现监管和合规,由于所有交易记录都被记录在区块链上,监管机构可以更容易地追踪和审计资金流动1 D& s$ L1 r% Y) L/ C3 m
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结论
' Q! z& A) v. N3 k* w `数字人民币实质上是人民币现金流通领域的一种补充,其功能属性与纸币完全相同,只是采用数字化形式。该货币主要定位于流通中的现金,是为了与比特币、全球性稳定币等加密资产竞争而进行研发,以为数字经济发展提供通用性的基础货币/ O6 B6 M; M( r7 x) [
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当前离线
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当前离线
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