數位人民幣降臨 衝擊微信支付寶 - 股票
By Franklin
at 2020-10-14T18:08
at 2020-10-14T18:08
Table of Contents
數位人民幣降臨 衝擊微信支付寶
旺報 葉文義
數位人民幣呼之欲出,許多人的疑問是:是否會對原有支付市場產生衝擊?據《21世紀經
濟報導》報導,大陸支付市場格局受到數位人民幣影響似乎是必然的,因為簡稱為DC/EP
的央行數位貨幣,即是Digital Currency和Electronic Pay-ment兩部分組成,前者意為
數位貨幣,後者名為電子支付;前者代表數位貨幣在線上流通,後者說明DC/EP的一個主
要業務就是數位錢包。
因此,市場多認為,無論是所依靠的網路資源背景與流通管道,還是所承擔的基本職能,
DC/EP有著與支付寶、微信等支付工具天然重疊的部分,從而與第三方支付形成了市場競
爭關係。
但數位貨幣和第三方支付本質上仍是完全不同的東西,新網銀行首席研究員、中關村互聯
網金融研究院首席研究員董希淼表示,央行數位貨幣是法定貨幣,而微信支付和支付寶只
是一種支付方式,它們的效力不同。具體來說,機構或個人不接受支付寶或微信付款,在
法律上沒有問題。但拒絕用戶使用現金或數位貨幣付款就是違法的。
此外,央行數位貨幣雖然在存在形態上,DC/EP是完全數位化和虛擬化,依託於數位錢包
,流通手段更加便捷,更易於防偽和監管。但其對應的是M0(流通中的現金),是央行對
貨幣持有者的無息負債,不需要透過銀行帳戶即可實現價值轉移。
支付寶、微信支付這樣的行動支付工具,由於其本質上仍是基於銀行帳戶,在貨幣性質上
屬於M1(狹義貨幣供應量)。支付寶和微信是公司化的支付體系而非法定的支付體系,用
戶需要承擔手續費和掃碼設備安裝成本,比如用支付寶或者微信進行提現和跨行轉帳都需
要向用戶收取手續費,還存在洩露隱私、盜號、欺詐等風險。而用央行數位貨幣,根據目
前公開的資訊,交易都是零成本。
https://www.chinatimes.com/newspapers/20201014000114-261701?chdtv
心得:
日前中國深圳政府向 5 萬民眾發送數位人民幣「紅包」進行公測。
看來已準備好可推廣全國 對於螞蟻金服 與騰訊是否有影響?
--
旺報 葉文義
數位人民幣呼之欲出,許多人的疑問是:是否會對原有支付市場產生衝擊?據《21世紀經
濟報導》報導,大陸支付市場格局受到數位人民幣影響似乎是必然的,因為簡稱為DC/EP
的央行數位貨幣,即是Digital Currency和Electronic Pay-ment兩部分組成,前者意為
數位貨幣,後者名為電子支付;前者代表數位貨幣在線上流通,後者說明DC/EP的一個主
要業務就是數位錢包。
因此,市場多認為,無論是所依靠的網路資源背景與流通管道,還是所承擔的基本職能,
DC/EP有著與支付寶、微信等支付工具天然重疊的部分,從而與第三方支付形成了市場競
爭關係。
但數位貨幣和第三方支付本質上仍是完全不同的東西,新網銀行首席研究員、中關村互聯
網金融研究院首席研究員董希淼表示,央行數位貨幣是法定貨幣,而微信支付和支付寶只
是一種支付方式,它們的效力不同。具體來說,機構或個人不接受支付寶或微信付款,在
法律上沒有問題。但拒絕用戶使用現金或數位貨幣付款就是違法的。
此外,央行數位貨幣雖然在存在形態上,DC/EP是完全數位化和虛擬化,依託於數位錢包
,流通手段更加便捷,更易於防偽和監管。但其對應的是M0(流通中的現金),是央行對
貨幣持有者的無息負債,不需要透過銀行帳戶即可實現價值轉移。
支付寶、微信支付這樣的行動支付工具,由於其本質上仍是基於銀行帳戶,在貨幣性質上
屬於M1(狹義貨幣供應量)。支付寶和微信是公司化的支付體系而非法定的支付體系,用
戶需要承擔手續費和掃碼設備安裝成本,比如用支付寶或者微信進行提現和跨行轉帳都需
要向用戶收取手續費,還存在洩露隱私、盜號、欺詐等風險。而用央行數位貨幣,根據目
前公開的資訊,交易都是零成本。
https://www.chinatimes.com/newspapers/20201014000114-261701?chdtv
心得:
日前中國深圳政府向 5 萬民眾發送數位人民幣「紅包」進行公測。
看來已準備好可推廣全國 對於螞蟻金服 與騰訊是否有影響?
--
Tags:
股票
All Comments
By John
at 2020-10-17T19:51
at 2020-10-17T19:51
By Jack
at 2020-10-22T13:15
at 2020-10-22T13:15
By Yuri
at 2020-10-26T20:15
at 2020-10-26T20:15
By Steve
at 2020-10-29T00:08
at 2020-10-29T00:08
By Noah
at 2020-10-30T06:04
at 2020-10-30T06:04
By Kelly
at 2020-11-03T22:45
at 2020-11-03T22:45
By Aaliyah
at 2020-11-07T14:27
at 2020-11-07T14:27
By Aaliyah
at 2020-11-08T16:24
at 2020-11-08T16:24
By Carol
at 2020-11-11T17:00
at 2020-11-11T17:00
By Thomas
at 2020-11-14T23:24
at 2020-11-14T23:24
By Freda
at 2020-11-19T07:42
at 2020-11-19T07:42
By Carol
at 2020-11-22T21:48
at 2020-11-22T21:48
By Kelly
at 2020-11-26T00:12
at 2020-11-26T00:12
By Barb Cronin
at 2020-11-30T11:58
at 2020-11-30T11:58
By Damian
at 2020-12-01T02:39
at 2020-12-01T02:39
By Rae
at 2020-12-03T16:32
at 2020-12-03T16:32
By Edith
at 2020-12-04T19:57
at 2020-12-04T19:57
By James
at 2020-12-05T17:33
at 2020-12-05T17:33
By Ingrid
at 2020-12-08T23:13
at 2020-12-08T23:13
By Sierra Rose
at 2020-12-13T14:10
at 2020-12-13T14:10
By Zenobia
at 2020-12-16T08:00
at 2020-12-16T08:00
By Yedda
at 2020-12-19T22:47
at 2020-12-19T22:47
By Sierra Rose
at 2020-12-23T01:40
at 2020-12-23T01:40
By Olive
at 2020-12-25T08:20
at 2020-12-25T08:20
By Jake
at 2020-12-30T04:05
at 2020-12-30T04:05
By Zanna
at 2020-12-31T23:51
at 2020-12-31T23:51
By Selena
at 2021-01-02T05:46
at 2021-01-02T05:46
By Faithe
at 2021-01-04T09:15
at 2021-01-04T09:15
By Margaret
at 2021-01-07T20:53
at 2021-01-07T20:53
By Doris
at 2021-01-08T08:16
at 2021-01-08T08:16
By Joseph
at 2021-01-11T16:11
at 2021-01-11T16:11
By Isabella
at 2021-01-13T16:33
at 2021-01-13T16:33
By Daph Bay
at 2021-01-14T12:47
at 2021-01-14T12:47
By Daph Bay
at 2021-01-17T22:34
at 2021-01-17T22:34
By Tom
at 2021-01-22T19:44
at 2021-01-22T19:44
By Adele
at 2021-01-25T19:00
at 2021-01-25T19:00
By Harry
at 2021-01-27T18:51
at 2021-01-27T18:51
By Heather
at 2021-01-30T22:17
at 2021-01-30T22:17
By Anthony
at 2021-01-31T17:01
at 2021-01-31T17:01
By Odelette
at 2021-02-02T19:50
at 2021-02-02T19:50
By Megan
at 2021-02-07T13:39
at 2021-02-07T13:39
By David
at 2021-02-08T01:42
at 2021-02-08T01:42
By Emma
at 2021-02-13T01:38
at 2021-02-13T01:38
By Odelette
at 2021-02-14T12:56
at 2021-02-14T12:56
By Hedy
at 2021-02-18T22:51
at 2021-02-18T22:51
By Ingrid
at 2021-02-21T13:48
at 2021-02-21T13:48
By Lauren
at 2021-02-25T23:05
at 2021-02-25T23:05
By Ingrid
at 2021-02-26T02:22
at 2021-02-26T02:22
By Christine
at 2021-03-01T21:45
at 2021-03-01T21:45
By Elizabeth
at 2021-03-05T02:55
at 2021-03-05T02:55
By Agatha
at 2021-03-07T08:49
at 2021-03-07T08:49
By Charlie
at 2021-03-10T05:41
at 2021-03-10T05:41
By Edward Lewis
at 2021-03-15T04:11
at 2021-03-15T04:11
By Mary
at 2021-03-17T10:04
at 2021-03-17T10:04
By Edward Lewis
at 2021-03-20T05:34
at 2021-03-20T05:34
By Ophelia
at 2021-03-22T04:35
at 2021-03-22T04:35
By Vanessa
at 2021-03-24T18:40
at 2021-03-24T18:40
By James
at 2021-03-27T08:24
at 2021-03-27T08:24
By Kama
at 2021-03-27T20:28
at 2021-03-27T20:28
By Carolina Franco
at 2021-03-29T19:41
at 2021-03-29T19:41
By Agatha
at 2021-03-30T07:48
at 2021-03-30T07:48
By Vanessa
at 2021-04-01T00:47
at 2021-04-01T00:47
By Selena
at 2021-04-03T01:46
at 2021-04-03T01:46
By Noah
at 2021-04-04T05:26
at 2021-04-04T05:26
By Frederica
at 2021-04-07T22:19
at 2021-04-07T22:19
By Agatha
at 2021-04-08T20:21
at 2021-04-08T20:21
By Freda
at 2021-04-11T21:32
at 2021-04-11T21:32
By Liam
at 2021-04-12T10:36
at 2021-04-12T10:36
By Carol
at 2021-04-12T19:08
at 2021-04-12T19:08
By Sandy
at 2021-04-15T00:02
at 2021-04-15T00:02
By John
at 2021-04-15T18:00
at 2021-04-15T18:00
By Jacky
at 2021-04-16T11:32
at 2021-04-16T11:32
By Anthony
at 2021-04-18T01:33
at 2021-04-18T01:33
By Quanna
at 2021-04-21T14:51
at 2021-04-21T14:51
By Edith
at 2021-04-22T19:55
at 2021-04-22T19:55
By Robert
at 2021-04-23T20:57
at 2021-04-23T20:57
By Enid
at 2021-04-25T22:08
at 2021-04-25T22:08
By Ivy
at 2021-04-28T07:45
at 2021-04-28T07:45
By Quanna
at 2021-04-29T02:46
at 2021-04-29T02:46
By Rachel
at 2021-04-30T05:36
at 2021-04-30T05:36
By William
at 2021-04-30T16:48
at 2021-04-30T16:48
By Ophelia
at 2021-05-01T18:58
at 2021-05-01T18:58
By Mary
at 2021-05-03T11:38
at 2021-05-03T11:38
By Irma
at 2021-05-05T09:20
at 2021-05-05T09:20
By Michael
at 2021-05-06T19:26
at 2021-05-06T19:26
By Zenobia
at 2021-05-07T15:42
at 2021-05-07T15:42
By Genevieve
at 2021-05-10T14:50
at 2021-05-10T14:50
By Enid
at 2021-05-10T17:52
at 2021-05-10T17:52
By Caitlin
at 2021-05-15T10:26
at 2021-05-15T10:26
By Oscar
at 2021-05-18T07:36
at 2021-05-18T07:36
Related Posts
友達證實昆山廠員工返台確診 否認個案去
By Kyle
at 2020-10-14T18:07
at 2020-10-14T18:07
三星全力研發EUV技術少主證實親赴ASML總
By Puput
at 2020-10-14T17:45
at 2020-10-14T17:45
空軍賭利多出盡狂加碼、蘋果成第三大放
By Daph Bay
at 2020-10-14T15:45
at 2020-10-14T15:45
蘋果iPhone 12發表 陸供應鏈股價集體下
By Daniel
at 2020-10-14T15:19
at 2020-10-14T15:19
力麗連中三元 奪蘋果iPhone 12充電線覆
By Thomas
at 2020-10-14T15:12
at 2020-10-14T15:12