央行并非关停区块链什么意思,央行并非关停区块链的原因

近日，央行并未关停区块链，这令不少人感到惊讶。那么，央行为什么不关停区块链呢？

首先，央行认为区块链技术有着巨大的潜力。区块链技术的特点是去中心化、不可篡改、安全可靠，它可以帮助金融机构更好地管理风险，还可以提高金融服务的效率和安全性。此外，区块链技术还可以帮助金融机构构建和推进金融科技创新，促进金融服务的发展。

其次，央行认为区块链技术可以帮助政府更好地管理金融秩序。通过区块链技术，政府可以更好地监管金融市场，确保金融秩序的稳定。此外，区块链技术还可以帮助政府更好地管理财政支出，确保财政资金的有效使用。

此外，央行认为区块链技术可以帮助促进金融服务的发展。通过区块链技术，可以更快地构建金融服务体系，更有效地推进金融服务的发展。此外，区块链技术还可以帮助金融机构更好地进行金融交易，提高金融服务的安全性和效率。

总之，央行并未关停区块链，是因为它认为区块链技术有着巨大的潜力，可以帮助政府更好地管理金融秩序，促进金融服务的发展，提高金融服务的安全性和效率。央行的这一决定，将为区块链技术的发展提供更多可能性，为金融服务的发展带来更多变化。

『一』 Di Gang: The central bank is actively exploring the application of digital RMB blockchain

On September 10, the 2021 China (Beijing) Digital Finance Forum was held in Fengtai District, Beijing Held in Ze Financial Business District. Di Gang, deputy director of the Digital Currency Research Institute of the People's Bank of China, delivered a keynote speech at the parallel forum "Blockchain Empowers High-Quality Development of the Digital Economy". He said that the Digital Currency Research Institute of the People's Bank of China is actively exploring the application of digital RMB blockchain. At the issuance layer, a unified distributed ledger is built based on the blockchain, which improves the efficiency of reconciliation; at the same time, the blockchain has certain advantages in solving trust issues, but technical decentralization does not mean management decentralization.

Di Gang believes that the application of blockchain in the financial field mainly includes two aspects: endogenous improvement and external empowerment: in terms of endogenous improvement, there are supply chain finance, agricultural finance, trade finance and general public finance. Beneficial finance and other applications; in terms of external empowerment, financial institutions have also provided better blockchain application services in areas such as smart cities, "agriculture, rural areas and farmers" and people's livelihood.

According to reports, the Digital Currency Research Institute has actively strengthened the construction of the blockchain standard system and has led multiple domestic and foreign standardization organization working groups and standardization projects to promote the formulation of blockchain standards.

Regarding the application of blockchain technology, Di Gang proposed four major principles: talk less about subversion, talk more about scenario applications, use technology to solve industry pain points; be rational and pragmatic, and integrate various mature and advanced technologies to achieve results Optimal, this is also the starting point for adopting a mixed technology architecture for digital RMB research and development; technology is neutral; neither overestimate nor underestimate blockchain, solving problems is the starting point for applying blockchain technology.

In order to empower the high-quality development of digital finance, Di Gang believes that the current blockchain can achieve breakthroughs in eight aspects, including increasing basic theoretical research, mastering core technologies, and formulating core technical standards.

『二』 Are blockchain and digital currencies legal in China?

As of May 2020, blockchain and digital currencies are not legal in China.

The "Announcement of the People's Bank of China, the Central Cyberspace Affairs Office, the Ministry of Industry and Information Technology, the State Administration for Industry and Commerce, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the Insurance Regulatory Commission on Preventing Token Issuance Financing Risks" stipulates:

Article 2 Any Organizations and individuals are not allowed to illegally engage in token issuance and financing activities

From the date of this announcement, all types of token issuance and financing activities should be stopped immediately. Organizations and individuals that have completed token issuance and financing should make arrangements such as liquidation and withdrawal, reasonably protect the rights and interests of investors, and properly handle risks. Relevant departments will seriously investigate and deal with illegal activities that refuse to stop token issuance and financing activities and completed token issuance and financing projects in accordance with the law.

Article 3 Strengthening the Management of Token Financing Trading Platforms

From the date of this announcement, any so-called token financing trading platform shall not engage in legal currency and token, "virtual" transactions. Currency exchange business between each other is not allowed to buySell ​​or act as a central counterparty to buy or sell tokens or "virtual currencies", and shall not provide pricing, information intermediary and other services for tokens or "virtual currencies".

(2) The central bank does not shut down the blockchain. Extended reading

The "Measures for the Suppression of Illegal Financial Institutions and Illegal Financial Business Activities" stipulates:

Article 11: The public security organs shall take coercive measures in accordance with the law against criminal suspects, funds and property involved in illegal financial institutions and illegal financial business activities to prevent criminal suspects from escaping and transferring funds and property.

Article 12: After investigation and determination of illegal financial institutions and illegal financial business activities, the People's Bank of China will make a decision to ban them, declare the financial institution and financial business activities to be illegal, and order them to cease all business activities. and make an announcement.

Article 13 If the People's Bank of China discovers that a financial institution opens accounts, handles settlements, and provides loans for illegal financial institutions or illegal financial business activities, it shall order the financial institution to immediately cease relevant business activities. No unit or individual may use relevant funds without authorization.

『三』Is blockchain digital currency legal?

Blockchain digital currency is illegal in China. As early as September 2017, multiple official departments such as the central bank and the China Banking Regulatory Commission issued documents prohibiting the circulation and trading of digital currencies in China. Therefore, digital currencies are illegal in China.

Blockchain technology is recognized by the country, but because my country’s blockchain digital currency transactions do not have a complete regulatory mechanism, the country will ban digital currency transactions in the short term. to protect the legitimate rights and interests of the general public. In fact, the country is certain of the benefits of blockchain, but the emergence of blockchain has given criminals an opportunity to take advantage of it. Since most people don’t understand blockchain, they “give” their funds to the criminals after being coaxed by them. It is precisely because of this that the state has stopped the development of blockchain digital currency transactions, mainly to protect the masses.

However, the Cyberspace Administration of China issued the "Blockchain Information Service Management Regulations" on January 10, 2019, and began to implement them on February 15, 2019. In the "Blockchain Information Service Management Regulations", the state clarified the management measures for blockchain information services to promote the healthy development of blockchain technology and related services. It shows that the country has already established sound blockchain management methods. It is believed that in the near future, blockchain digital currency will become a legal project in the country.

『四』 Is blockchain technology the way out for the central bank’s digital renminbi?

Digital renminbi is a legal currency endorsed by the state. It has always been the focus of people’s attention since the concept was born.

At present, the digital renminbi has basically completed top-level design, standard formulation, functional research and development, joint debugging and testing. It is understood that digital currency will first be launched in Shenzhen, Suzhou, Xiongan New Area, Chengdu and in the future.Conduct internal closed pilot testing of the Winter Olympics scenes.

If all goes well, we will be able to unveil digital currency in 2022.

Recently, Yi Gang, Governor of the People's Bank of China, made it clear that there is no preset technical route for digital RMB research and development work, and it can compete fairly in the market to select the best. , either blockchain technology can be considered, or new technologies evolved on the basis of existing electronic payments can be adopted to fully mobilize the enthusiasm and creativity of the market.

In other words: Blockchain is a technical route considered in the research and development of digital renminbi, but it is by no means the only option.

Digital RMB and Bitcoin

Blockchain is the underlying technology of Bitcoin .

Like Bitcoin, digital renminbi realizes point-to-point payment through smart contracts. It has strict procedures for cross-verification and is not easy to be forged; < /p>

Although they are both virtual currencies, the difference is that digital currency is a legal currency used for circulation and has legal effect; Bitcoin is a virtual asset and has investment value. .

Digital RMB and Blockchain

Although blockchain is not the only option, blockchain technology has strong competitiveness.

The digital renminbi adopts a two-tier operation system, that is, the People's Bank of China does not directly issue and exchange central bank digital currency to the public, but first exchanges the digital renminbi to designated operating agencies, which are then redeemed to the public. Operating institutions need to pay 100% reserves to the People's Bank of China. This is the 1:1 exchange process.

On July 28, the Agricultural Bank of China issued an announcement saying: Agricultural Bank of China Financial Technology Co., Ltd. (hereinafter referred to as "Agricultural Bank of China Financial Technology") was established through a subsidiary. ) was officially incorporated in Beijing with a registered capital of RMB 600 million.

According to the announcement, the business direction of Agricultural Bank of China Jinke is mainly to use financial technology to carry out technological innovation , software research and development, product operations and technical consulting. In the recruitment announcement issued by Agricultural Bank of China Jinke, the author found that there is a position in software research and development: blockchain research and development engineer.

The main responsibilities are: blockchain technology application research, project construction and optimization work, promoting banking business expansion and business optimization based on blockchain, and providing solution.

From these actions, it can be seen that blockchain technology is one of the key technologies for banks to develop. No matter what the final digital renminbi will be, the area Blockchain technology will promote our continued progress and development.

Author of the article: Xiaolian Finance Dashi

『五』 The establishment of financial sovereignty, look at the central bank’s digital currency and Bitcoin and other areas The difference between blockchain coins

In recent months, the central bank’s digital currency testing has been in full swing, especially the sudden outbreak of the CCB App digital wallet on the 29th, which has pushed the central bank’s digital currency to unprecedented popularity.

Many people will think that since the central bank's digital currency will be launched soon, have blockchain-based currencies, such as Bitcoin, Ethereum, etc., also reached the practical stage? Will it be recognized in the country?

The answer is no, because there is an essential difference between the central bank's digital currency and the blockchain digital currency. It is even said that there is no relationship at all, and many principles are opposite. The main differences are as follows:

1. Central bank digital currencies are centralized, while blockchain coins are decentralized.

This can be said to be the fundamental difference. The essence of the development of blockchain coins is decentralization, that is, no one person or organization can control the blockchain network, and all participants jointly maintain the entire area. Blockchain; the central bank’s digital currency is organized by the central bank. The central bank is the center and is responsible for managing all related technologies and businesses.

2. The central bank’s digital currency is real-name, while the blockchain currency is anonymous.

This is the second biggest difference. Because of its anonymity, blockchain currency has become a hotbed for organized crime. Various blackmails and threats also require ransom to be paid in blockchain currency, because It is anonymous and cannot trace the real user. The central bank’s digital currency requires real-name authentication, and all users can be found without fear of being used for bad things.

3. Central bank digital currencies are guaranteed by legal payment, while blockchain coins are not guaranteed.

This is also the biggest risk of blockchain coins. You can say that a Bitcoin is worth 10,000 yuan, or you can say that it is not worth a penny. And in terms of the rigidity of redemption, it is just a bunch of numbers. Of no value. The central bank’s digital currency has a one-to-one correspondence with banknotes and can be exchanged for banknotes if necessary.

4. Central bank digital currency can be paid offline, while blockchain coins must be used online.

The central bank’s digital wallet supports jointOnline and offline payments can be used directly even without the Internet, which greatly expands the scope of application; blockchain coins are more troublesome to use. Not only do they need to be used online, most of them also need to install a dedicated client, which increases the difficulty of use.

5. Central bank digital currencies support high concurrency, while blockchain coins have transaction speed limitations.

The nature of blockchain currency determines that its transactions are inefficient. If a high transaction speed is to be achieved, cost and security are difficult to guarantee. The central bank's digital currency is not based on blockchain and may be used in some scenarios, but it does not require blockchain to ensure it, so it can reach the speed of traditional electronic transactions. Even if people across the country use electronic currency, it can still meet transaction requirements. .

From this we can see that central bank digital currency not only has nothing to do with blockchain currency, we can even say that central bank digital currency is the opposite of blockchain currency and will not endorse blockchain currency. , and even basically announced that it is impossible to use any blockchain currency in China.