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当前离线
经验:
天策币:
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簡介, U! D _! H1 B h% ?+ r k
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
6 x0 @7 ]2 _1 |. M7 j7 M: ?2 h( \5 M8 h7 P& G1 k, ~; C' k' M
数字人民币的特点
1 w) F/ M5 n6 z$ l) d1.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+ ?5 r- q0 M9 q
2.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' u4 X! H/ ]- n5 Q, \5 v& a9 {
3.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- x7 D, q8 X7 S9 g- K) {" Y
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4 M, g. k# p2 @. i- n
5.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) Q0 H: P7 {* o& s; J
# q4 n+ B# r; s B! L. J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。$ t, F" u/ J% n$ ]# d9 N6 o, R4 l
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0 ] T7 @/ p0 x& r1 A( O/ r8 Q数字人民币的应用
+ K" ]- W; x4 ?2 F# a* 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 P' A6 b: K0 K. K3 U8 O
; I9 ?7 w- S! z/ w! T) c●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
8 m/ r; h2 P, s1 i
3 _) y" h) A5 A●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; ^% t' M7 J+ P& v
6 m0 }6 c" W4 H8 J
●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
0 p8 K) S* q+ v8 {! i/ [+ W
, K6 h2 O$ B$ ~7 [& ^/ B4 ]1 k+ Z●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8 \* R" |+ \% W. _
9 B, `' A; ^( T; T+ v( r5 F●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8 H$ V. o2 m3 j. y* M6 v
7 {* i0 Y. b- e% f' U
结论
2 L. P4 G b2 H0 o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: y8 b! P- R- H* ?* e# Y, z+ m6 ^
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当前离线
经验:
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活跃币:
策小分:
总在线: 11461 小时
本月在线: 114 小时
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当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 17367 小时
本月在线: 96 小时
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当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 8171 小时
本月在线: 43 小时
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当前离线
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天策币:
活跃币:
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总在线: 3379 小时
本月在线: 33 小时
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当前离线
经验:
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活跃币:
策小分:
总在线: 16821 小时
本月在线: 159 小时
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当前离线
经验:
天策币:
活跃币:
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总在线: 9346 小时
本月在线: 55 小时
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当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 12070 小时
本月在线: 73 小时
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当前离线
经验:
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活跃币:
策小分:
总在线: 792 小时
本月在线: 30 小时
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当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 2104 小时
本月在线: 49 小时
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