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[lastpost] => 2646938 贝莱德现货比特币ETF 77天内首次出现资金流出(转) 1714676393 小钱儿
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簡介
% w2 n8 Z) `) ~+ G# o9 D8 p3 w+ w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: X6 M5 ]7 L& k3 [+ q1 q0 T% h
- S! [7 D2 J/ X数字人民币的特点% _- Z/ s3 C' ^' R8 {5 [1 f. e* g% ^
1.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) j9 B# P7 d& n4 `
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
6 q% Q1 }/ X# Y1 n0 K. v3 l% e' U, 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
! J, y$ X# Z( t) m9 q9 y8 p3 C4.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. |( a t' L r' }& Y% F* n' Z& _7 J
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% @3 E4 @- z9 u" ]4 P8 c
. B! W b8 v7 {% h' M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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4 _9 A8 R/ g- J' J7 p1 r# t数字人民币的应用7 W+ R, ^: F& ^
●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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●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
5 ?, ?0 |, d2 Q( ~; y$ _- ]: y0 ^3 B# \4 z% N5 y+ c l' m! J( x
●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# q& C2 Y2 n2 f9 l
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●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
( c' _, {# u6 G
7 m+ ]% e" T& z+ B2 t+ 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
: U: J H* {4 t4 G0 I% \) }
1 |1 ^6 P$ `) J●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/ t2 O/ _6 f1 u0 G+ Q I* K: g
+ i, m( u3 q7 x6 ]2 o! A# |; D9 t
结论
' J$ [+ I0 |" k& b( j ?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
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当前离线
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当前离线
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当前离线
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当前离线
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当前离线
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