March 23 (Tuesday) news six state-owned banks have begun to promote digital currency, March 25 (Thursday) the Development and Reform Commission and other ministries to speed up the pilot promotion of digital currency, March 26 (Friday) the central bank Digital Currency Research Institute, Mu Changchun, said that "the digital currency will be coexisting with Alipay and WeChat Pay". This week's digital currency news frequently, also led the concept of the index of the beautiful rally. Monday stabilized auxiliary line, Tuesday against the market leader, Wednesday, a small sun rest, Thursday again led the two markets, soaring 4.34%, Friday mild rest. Just five trading days up 7.56%, five consecutive sun behind the quiet intervention of funds.
In last year's article "central bank digital currency - the future of the investment world's favorite", we clearly wrote that the digital currency is an inevitable trend, will be in the "you catch up with me" international competition and industrial upgrading accelerated development. Because whether it is bitcoin, ethereum and other "private digital currency" to force the development of the central bank digital currency, or for the international payment system for a rainy day, or a short-term solution to the government's monitoring of the circulation of money (M0), the long-term goal is to subvert the international payment and clearing system. Here all kinds of points to "digital currency for the trend". In addition, since last year's G7 summit, the central bank for the first time issued two top-level design documents of the blockchain, provinces and regions have begun to accelerate the promotion of digital currency scenarios test and city pilot, and the central bank has been working with the head of the Internet to find more landing scenarios, for example, in July last year, the central bank on the ride with the drop travel and hand in hand with the Meituan Dianping, plans to start from the "food, clothing and housing" to infiltrate. "Start to penetrate.
The significance and importance of implementing the central bank's digital currency need not be repeated. Interested friends can find the previous article to look back. What exactly is a central bank digital currency?
First of all, the difference between bitcoin, ethereum and other private digital currencies, as well as Alipay, WeChat and other three-party payment platforms, which are issued and managed by institutions, platforms and even private individuals, and are not protected by national laws, and is not a legal tender, there is no legal compensation. The central bank digital currency, as the name suggests, is an electronic currency coordinated and issued by the People's Bank of China, which is a kind of national credibility, and is the digitization of the legal tender (RMB) in the form of manifestation as well as the intelligence in the operation mode. Therefore, the central bank digital currency is to be included in the total amount of legal tender for unified management, is a standard digital cash legal tender.
Then, the digital currency wallet is neither bundled with personal information nor can it rely on the network. In the past, our payment system mainly relied on the bank's POS and ATM machines, and even for Alipay and WeChat, the money was actually transferred to and from the bank account. Once the card is tied to a bank account, personal information will be disclosed when making payments. The current central bank digital wallet, on the other hand, does not need to be bundled with a bank card. Take an example of how smart homes and digital wallets are connected. For example, if you buy a refrigerator at home, and you set up a food storage capacity and a separate digital wallet for the refrigerator, then this digital wallet is like a piggy bank that you put in the refrigerator, but this piggy bank is not bundled with your personal information. Then when the food is running low, the fridge will automatically place an order and pay for it automatically without you having to scan the code. In addition, the digital wallet in the absence of the network can be achieved through the "touch" and other ways to pay, such as two cell phones touch or your cell phone and the POS machine touch, which is like you take out the cash to pay directly, do not rely on the network. So, as the IoT becomes more and more life-oriented, the life scenarios that used to occur in sci-fi movies may really come true soon.
Back to the main topic, digital currency as a technology application of the blockchain, in fact, and smart home, drones and other new consumer, has been from the past pure story stage into the use of the state, from the once a touch of the accelerated to the ground to promote the relevant enterprises fried is no longer just a dream rate, the industry chain is expected to accelerate into the profit realization period.
Digital currency industry chain upstream mainly chip and basic technology industry, the breakdown involves digital encryption and network security. As an intelligent manifestation of the legalized RMB, the central bank's digital currency can be promoted or accepted by the public, and the first thing to be solved is the problem of "data security". In the future, the central bank's digital currency may adopt the structure of "one coin, two libraries and three centers", with "one coin" referring to the DCEP, which is the central bank's credit voucher, and the specific technical details designed by the central bank. The "two libraries" refer to the DCEP issuance library and the DCEP commercial bank library, which are deposited and managed by the central bank and commercial banks respectively. "Three centers" means that the central bank will set up a certification center, a registration center and a big data analysis center for DCEP. At the same time that the central bank researches and builds its own digital currency system, it is still expected that the central bank will strengthen cooperation with security encryption and data security vendors, and the relevant leading enterprises will benefit.
Security encryption angle related to listed companies such as digital authentication, Gale Software, Weishi Tong, Flying Honest, Hengbao shares . The company's main business is the development and production of the newest and most popular products in the world, including the newest and most popular products in the world. The main business software development, software production, information network security product development, products including "security authentication gateway", "trusted border security gateway" and so on. As for digital authentication is the electronic authentication industry leader in e-government, health care, insurance and other markets in the industry leader, the main business involves electronic authentication services, security integration and security consulting and operation and maintenance services.
The key listed companies in the field of network security are mainly Qixing Star, Green Alliance technology.
Digital currency industry chain in the midstream is mainly the banking IT industry , broken down to include traditional commercial banks and provide system support and upgrading of the bank IT service providers. In this round of central bank digital currency and Alipay, WeChat Pay background, bank IT transformation and other applications market may become the largest operating space. Since the commercial banks bear the responsibility of putting digital currency to the public, then the central bank issued digital currency will be in the commercial banks existing infrastructure, human resources and service system to do the upgrading, rather than another stove, then the commercial banks in the construction of a new generation of banking core system has great demand, and to fulfill these needs need to be built by professional IT service providers, the domestic in the field of banking IT have Perfect solutions in the field of banking IT absolutely benefit. For example, the head of the manufacturers of long bright science and technology, Shenzhou information, Gao Weida, Yuxin software, blue software, Run and software, and so on.
Changliang Technology, as the bank's financial core system "monopoly" provider, mainly including to the merchant bank, securities, funds, insurance, finance, asset management and other financial or pan-financial institutions to provide information technology solutions and services, really benefited from the transformation of the bank's core system. And one of the main business of Shenzhou information itself is financial technology, but also the leading bank information field, March 1 this year, the company secretary is directly in the interactive platform to answer investors "the company is actively involved in a state-owned bank DCEP test" "has now completed the development of the digital wallet system, which can help Commercial banks to accelerate the DCEP landing promotion", is the secretary of the director directly said that the only conceptual stocks related to DCEP.
Finally, the downstream of the industry chain, mainly the payment clearing terminal industry, including including ATMs and smart POS machines. In the past, our payment clearing mainly relies on the bank's POS and ATM machines, but under the tide of digital currency, these infrastructures are incompatible with digital currencies both in terms of body and risk prevention, and need to be re-added to the new module to support the deployment of new payment terminals. Then the large-scale update, will certainly bring a sizable volume of payment hardware and software development and operation and maintenance of the market, wallet services and payment service providers will benefit, the key vendors are recommended to track the broadcaster, the new country, the new continent, Caracal, polymerization of shares, Ubiquiti and so on.
Canton Express specializes in the development, production, sales and service of automatic currency processing equipment and related system software, belonging to one of the leading ATMs, and at present almost one-third of the domestic ATMs are produced by Canton Express. And the new country is mainly POS electronic payment acceptance terminal equipment software and hardware production, research and development, sales and leasing, as a carrier, to provide customers with electronic payment end of a comprehensive solution. Also, the new mainland is the domestic electronic information as well as tax-controlled cash registers and other multi-disciplinary leader, Lakala specializes in providing electronic payment services for enterprises and individuals ......
More conceptual companies on the industrial chain will not be one by one example, when investing in the preferred performance support and better technical form of the subject can be.
Said in the end: macro point of view, although not who first launched the digital currency, who can dominate the world digital currency new system, after all, everything still depends on the whole country's comprehensive national strength and the set of international competitiveness of the system. But in order to better cope with the future changes in the international payment and clearing system to prepare for the central bank's digital currency, now policy support is in full swing to accelerate into the vision of the residents, the future landing scene will be more extensive, the penetration rate will also be rapidly increased, the industry chain in advance of the layout of the layout of the long-term optimism of the enterprises.
How do you think the future prospects of digital currency? The comment area and I will discuss it together!