投资人刘俊区块链

投资人刘俊是一位热衷于区块链技术的投资人，他对区块链的发展有着深刻的理解。他认为，区块链技术具有巨大的应用前景，未来将会改变人们的生活方式。

刘俊先生认为，区块链技术将会给社会带来巨大的变革，它能够极大改善我们的金融体系，使金融交易更加安全、便捷，同时也能够帮助政府更好地管理公共资源。

此外，刘俊先生还认为，区块链技术还可以改善我们的数据安全性，让数据更加安全可靠，同时也可以更好地保护个人隐私。

总之，刘俊先生认为，区块链技术可以带来巨大的变革，它将会改变人们的生活方式，改善我们的金融体系，提高数据安全性，保护个人隐私，以及更好地管理公共资源。投资人刘俊坚信，区块链技术有着巨大的应用前景，它将会成为未来社会发展的重要力量。

⑴ Experts in issuing digital RMB red envelopes in many places remind not to worry about safety issues

Editor | Zhang Jingjing

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As the Spring Festival approaches, Shenzhen, Suzhou, and Beijing have successively launched activities to issue digital RMB red envelopes. Beijing launched the "Digital Wangfujing Ice and Snow Shopping Festival" digital renminbi pilot event on February 7. Through appointment registration and drawing of red envelopes, 50,000 digital renminbi red envelopes will be distributed to the winners, with each red envelope worth 200 yuan. From February 5th to 26th, Suzhou once again distributed 30 million yuan in digital renminbi red envelopes to all citizens working or living in Suzhou after successfully issuing 20 million yuan in digital renminbi consumption red envelopes in December last year.

In January 2020, the People's Bank of China released the "Inventory of the Central Bank's 2019: Financial Technology", stating that the top-level design, standard formulation, functional research and development, joint debugging and testing of legal digital currencies have been basically completed. In April of the same year, the Digital Currency Research Institute of the People's Bank of China announced that it would successively launch digital RMB pilot projects in Shenzhen, Suzhou, Xiongan New Area, Chengdu and other places. Subsequently, the Agricultural Bank of China tested digital renminbi internally; China Construction Bank also briefly launched a digital renminbi personal wallet on its App. The Digital Currency Research Institute of the People's Bank of China has successively reached strategic cooperation with Internet companies such as Didi Chuxing, Meituan, and Bilibili to jointly promote the application of digital renminbi in multiple online and offline scenarios.

Judging from the pilot situation in various places, at present, the scale, scope and application scenarios of digital renminbi pilots are gradually expanding. For example, Suzhou launched the second round of digital renminbi pilot on February 5 this year. The scope of use in online and offline scenarios continues to expand. The pilot partner banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Post. On the basis of the savings bank, Suzhou Bank was newly added.

Digital RMB issuance,

Principles and advantages of circulation

Liu Shaojun introduced that digital RMB and RMB banknotes and The principles of the management mechanism for coin issuance and circulation are basically the same.

“According to the current plan of the People’s Bank of China, the issuance and withdrawal of digital renminbi are implemented through the system of commercial banks and professional payment institutions. They will specifically establish the circulation system of digital renminbi, and the specific operation and management will be for ordinary units and Personal digital renminbi circulation. Establish digital renminbi issuance and reserve payment relationships between commercial banks, professional payment institutions and the People's Bank of China. The People's Bank of China will issue digital renminbi to these institutions in equal amounts to the renminbi deposits deposited by these institutions. Then exchange the digital renminbi to the currency holders in need." Liu Shaojun said that in the current pilot stage, the People's Bank of China and theseThe institution implements a fixed deposit reserve and fixed exchange system. After the digital RMB is officially circulated in the future, it should be exchanged with the People's Bank of China according to the actual needs of circulation, and there should be no restrictions on the amount of exchange.

Liu Shaojun said that compared with banknotes and coins circulating outside the banking system, the People's Bank of China can pass certification for digital renminbi circulating within the digital currency network established by commercial banks and professional payment institutions. The system and registration system are supervised within the scope permitted by law, which is more conducive to understanding the currency circulation and making it easier to detect illegal and criminal acts using digital renminbi. At the same time, due to the existence of the registration and certification system, digital RMB is less likely to be forged and altered.

Lou Feipeng, a researcher at the Postal Savings Bank of China, analyzed that as far as individual users are concerned, the digital renminbi adopts a controllable and anonymous method. The People's Bank of China can query and track transaction records, but commercial banks, payment institutions, etc. cannot query transaction information. , can truly realize peer-to-peer transactions, realize instant settlement of payment, and also help protect personal transaction information and privacy.

Lou Feipeng said that gradually replacing banknotes with legal digital renminbi can effectively save the design, printing, issuance, withdrawal and other costs of paper currency issuance, and help reduce currency operating costs.

Currency digitization is the general trend

In recent years, payment methods such as WeChat payment and Alipay payment have been widely used in my country's economic activities. Liu Shaojun said that the specific procedures for digital renminbi payment are basically the same as those of professional payment institutions such as WeChat payment and Alipay payment; the difference is that digital renminbi is legal tender and legal tender, represents the credit of the People's Bank of China, and has the same characteristics as the currently circulating RMB banknotes and coins. The same nature, but under the payment structure of Alipay and WeChat, if you pay with the currency in your account or wallet, the currency here is actually the currency hosted by the People's Bank of China, not legal currency. If payment is made in the deposit currency of the bank card, Alipay and WeChat payment institutions are just the transmitters of payment instructions.

Lou Feipeng said that the digital renminbi is a change in the form of currency. It is a digital currency and does not require paper currency support behind it. WeChat payment and Alipay payment have not changed the currency form and are supported by bank accounts.

"Using WeChat payment, Alipay payment, etc. is a centralized payment and settlement model, and using digital renminbi is a payment and settlement model that is decentralized to a certain extent. From a technical point of view, 'go The centralized payment and settlement model is more advanced, and the centralized payment and settlement model is more mature." Liu Shaojun believes that the biggest benefit that digital renminbi brings to everyone is that currency payment and settlement is more convenient and faster, and it also increases everyone's experience in More choices in currency use, especially for entities with higher preferences for payment and settlement security, can satisfyIts desire to use fiat currency for payment settlement.

Lou Feipeng believes that digital currency is the foundation for the development of the digital economy. As a legal currency, digital renminbi is an important part of financial infrastructure. Developing the digital economy and promoting the digital development of currency are the general trend and are also in line with the needs of the future development of the digital economy.

Liu Shaojun said that from the perspective of future social development, any currency will inevitably move towards the form of digital currency. From the perspective of promoting the international circulation of RMB and promoting the gradual change of public payment and settlement habits, the issuance of digital RMB has important and positive significance. "Its main goal is more focused on solving problems of long-term development and future digital economic development."

Implementation of digital renminbi

At the world's leading level

Liu Jun, associate professor at East China University of Political Science and Law, said that the launch of digital renminbi by the central bank of my country will, to some extent, lead to to bring about disruptive change. He mentioned that Zhou Xiaochuan, former governor of the People's Bank of China, once said that my country's current digital renminbi DC/EP is a two-tier R&D and pilot project plan. "Among them, DC (digital currency) is a level that involves new technologies such as blockchain and encryption. In this field, international central banks have launched fierce competition; at the EP (electronic payment) level, the current development of the international community in this field It can be described as 'dazzling'. For example, Facebook's virtual cryptocurrency Libra (now renamed Diem) attracted much attention as soon as it was launched. It has many partners including VISA, PayPal, eBay, etc. However, controversy continued during the development process. , many partners have also announced their withdrawal from this project." Liu Jun said that how the digital renminbi can stand out in the international arena requires long-term planning.

Talking about the safe and effective issuance and circulation of digital renminbi, Liu Shaojun said that my country’s digital renminbi adopts an operating model that separates the People’s Bank of China and specific operating agencies. The specific operating agencies use issuance reserves to the Chinese people. From the perspective of the asset management of the People's Bank of China, there are no security issues when banks exchange digital renminbi. In terms of specific operating institutions, we conduct separate research and trial operations in different operating institutions. Each specific operating institution is independent of each other. Even if there is a problem with a certain operating system, we can ensure the normal circulation of currency.

"At present, the trial operation institutions selected by our country have long-term experience and technology in operating electronic currency payment and settlement, and they will not be officially put into operation without sufficient testing and inspection." Liu Shaojun said that the digital renminbi Circulation must be certified by the Certification Center of the People's Bank of China and registered by the Registration Center. Even if there is a problem with the operating system, it will not affect the People's Bank of China's argumentation and registration information, and even if there is a security problem, according to the current system, the operating agency should bear the responsibility for compensation in advance. Therefore, everyone can use it with confidence.

Liu Shaojun said that the current circulation of digital renminbi in our country is still in the testing stage. It is mainly to test the maturity of this new online payment and settlement technology through testing. On this basis, we will continue to improve the existing payment and settlement technology and compare various possible solutions. Technical route. At the same time, it also creates conditions for future applications in various fields. According to the plan, this testing process will last for a relatively long time. It will not be fully used until a certain technical route is fully mature. In the future, different technical routes may be used at the same time. Circulation of digital renminbi.

"As far as technical testing scenarios are concerned, digital RMB testing will definitely continue to expand to new areas in the future. As for which areas it will expand to next, it should be based on the differences in application technologies in different scenarios. Only by continuously expanding its By applying scenarios, only by discovering problems in different scenarios can the technology become more and more perfect, and only then can digital renminbi be used universally for various payment settlements in all possible application scenarios," Liu Shaojun said.