法定数字货币是法定货币在数字世界的延伸和表现，是一种新的货币形态，他可以不依赖银行账户，与之是一种松耦合”的方式。
The legal digital currency is the extension and expression of the legal currency in the digital world and is a new currency form in which he may not rely on bank accounts, but in a way that is loosely coupled with it”.
可以理解为一段不依赖任何银行账户的代码，这就和比特币钱包里面存得比特币类似了。DCEP，指央行法定数字货币，
It can be understood that a code that does not depend on any bank account is similar to the bitcoin stored in the Bitcoin wallet. DCEP refers to the central bank's legal digital currency.
DC，指digital currency（数字货币）;
DC, refers to digital currency;
EP，指electronic payment（电子支付）。
EP, refers to electronic payment.
在货币三大功能：支付手段、记账单位、储值工具中，DCEP的字面意思显然更倾向于支付手段。
In the three main functions of the currency: means of payment, units of account, and storage tools, the literal meaning of DCEP is clearly more favourable to the means of payment.
这就意味着与电子化”货币各家企业、机构独立记账不同，法定数字货币是央行记账，全国公用一个账本。
This means that, unlike e-money, which is accounted for independently by enterprises and institutions, the statutory numeric currency is the central bank account and the national public account book.
换言之，DCEP的发行是中心化的，由人民银行掌控，这与比特币等所谓去中心化的发行”（挖矿等等）有本质的不同。
In other words, the issuance of DCEP is centralized and controlled by the People's Bank, which is fundamentally different from the distribution of so-called decentralized distributions such as Bitcoin (mining, etc.).
而且，DCEP的债务人是央行，而比特币等加密货币没有债务人，也就是说本质上比特币等加密货币就是个击鼓传花的资金游戏。
Moreover, DCEP debtors are central banks, while encrypted currencies such as Bitcoin do not have debtors, which means that, in essence, encrypted currencies such as Bitcoins are a money game that beats spending.
而与比特币类似的是可以不依赖银行账户，乃至没有通信网络的情况下进行面对面扫码交易。
Similar to Bitcoin, face-to-face scavenging transactions can take place without reliance on bank accounts or even a communications network.
这样，既满足了交易方对匿名支付的要求，又能在违法犯罪发生时能被央行所监控。
In this way, the requirement for anonymous payments by the parties to the transaction is met and can be monitored by the central bank when the offence is committed.
也就克服了现有M0（纸钞和硬币）容易伪造、携带不便、发行流通成本高、存在用于洗钱、恐怖融资等问题。
It also overcomes the existing M0 (note and coin) vulnerability to forgery, inconvenience, high circulation costs, the existence of money-laundering and terrorist financing.
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论