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亚愽手机下载app|数字货币会冲击第三方支付格局,纸币时代或将终结
名称:亚愽手机下载app|数字货币会冲击第三方支付格局,纸币时代或将终结
详细介绍

[Digital currency will impact the third-party payment pattern, and the paper currency era may end] On the evening of October 11, the General Office of the Central Committee and the Office of the State Council issued the "Shenzhen Construction of a Pilot Demonstration Zone of Socialism with Chinese Characteristics Comprehensive Reform Pilot Implementation Plan (2020-2025) Years)", the most notable of which is the digital RMB red envelope pilot project recently launched by the Shenzhen Municipal People’s Government and the People’s Bank of China. With the advent of digital currency, the question that lies ahead is whether banknotes will be replaced? Digital renminbi, like banknotes and coins, is renminbi cash. However, the slight difference is that the digital renminbi is generated by digital signals. And unlike electronic payment, digital currency payment does not require the Internet.

[数字货币将影响第三亚愽手机下载app方支付方式,纸币时代可能会结束] 10月11日晚,中央办公厅,国务院办公厅发布《深圳建设试点示范基地》。 《中国特亚愽手机下载app色社会主义地区全面改革试点实施方案(2020-2025年)》,其中最引人注目的是深圳市人民政府和中国人民银行最近发起的数字人民币红包试点项目。随着数字货币的出现,摆在面前的问题是钞票是否会被替换?像钞票和硬币一样,数字人民币也是人民币现金。但是,略有不同的是,数字人民币是由数字信号生成的。与电子支付不同亚愽手机下载app,数字货币支付不需要互联网。

But does the paper currency enter the countdown to death? The market thinks that it should be in the long run. However, the central bank's digital currency will not completely replace paper currency in a certain period of time. It will still be used as a supplement to the daily consumption of ordinary people. Towards a "cashless society" is a long-term process that cannot be accomplished overnight. In addition, the advent of the digital currency era will change the existing social structure and institutional functions to a certain extent.

但是纸币会进入倒数计时吗?市场认为这应该是长期的。但是,中央银行的数字货币在一定时期内不会完全取代纸币。它仍将被用作普通人日常消费的补充。走向“无现金社会”是一个长期的过程,不可能一overnight而就。另外,数字货币时代的到来将在一定程度上改变现有的社会结构和制度功能。

With the arrival of digital currency, another question is: Will it have an impact on the original third-party payment pattern? It seems inevitable that the pattern will have an impact, because the central bank digital currency, referred to as DCEP, is composed of two parts: Digital Currency and Electronic Pay-ment. The former means digital currency and the latter is called electronic payment; the former represents digital currency online Circulation, the latter shows that one of DCEP's main business is digital wallet. Therefore, the market generally believes that DCEP has a natural overlap with payment tools such as Alipay and WeChat, regardless of the network resource background and circulation channels it relies on, or the basic functions it undertakes, thus forming a market competition relationship with third-party payment.

随着数字货币的到来,另一个问题是:它会影响原始的第三方支付方式吗?这种模式似乎不可避免地会产生影响,因为被称为DCEP的中央银行数字货币由两部分组成:数字货币和电子支付。前者表示数字货币,后者称为电子支付。前者代表在线数字货币流通,后者表明DCEP的主要业务之一是数字钱包。因此,市场普遍认为,DCEP与支付工具(如支付宝和微信)具有自然的交叠关系,而不论其依赖的网络资源背景和流通渠道或所承担的基本功能如何,从而与第三方建立了市场竞争亚愽手机下载app关系。派对付款。

However, digital currency and third-party payment are still completely different things in nature. Dong Ximiao, chief researcher of Xinwang Bank and chief researcher of Zhongguancun Internet Finance Research Institute, said that central bank digital currency is legal tender, while WeChat Pay and Alipay are just a payment method. Their effectiveness is different. Specifically, if institutions or individuals do not accept Alipay or WeChat payments, there is no legal problem. But it is illegal to refuse users to use cash or digital currency to pay.

但是,数字货币和第三方支付本质上仍然是完全不同的事物。新网银行首席研究员,中关村互联网金融研究所首席研究员董锡iao表示,央行数字货币是法定货币,而微信支付和支付宝只是一种支付方式。它们的有效性是不同的。具体来说亚愽手机下载app,如果机构或个人不接受支付宝或微信支付,则没有法律问题。但是,拒绝用户使用现金或数字货币付款是违法的。

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