数字货币M,到底什么是数字货币？

简单来说就是人民币的电子化，和纸币等价，但是比纸币更灵活。

Simply put, the renminbi is digitized and equal to banknotes, but it is more flexible than banknotes.

它可以追踪你的资金流向，即使不使用互联网也可以支付。

It can track your financial flows and pay even if it does not use the Internet.

中央银行数字货币的主导者当然是中央银行。

The central bank, of course, dominates the digital currency of the central bank.

央行计划的数字货币是人民币的数字化，控制权和发行权掌握在央行手中，只不过是以数字的形式表现出来。

The digital currency planned by the central bank is digitized in the renminbi, and control and distribution are in the hands of the central bank, but only in the form of numbers.

这种数字货币与比特币、瑞波币、活跃币等数字加密货币不同，但可以参考数字加密货币，也可以使用区块链技术。

These digital currencies are different from digitally encrypted currencies such as bitcoin, ripoon, active currency, but can be consulted for digital encryption or use of block chain technology.

我们在网络上使用的Q币和其他游戏币等虚拟货币，严格来说是虚拟商品，或者说是中间商品，并不是货币，不具备购买法定货币的能力。

Virtual currencies, such as Q and other games, that we use online, are strictly virtual goods, or intermediate goods, not currencies, and do not have the capacity to purchase legal currencies.

人们常说的比特币也是一种方便洗钱的去中心化虚拟货币，它基于区块链。

Bitcoin is also commonly referred to as a decentralized virtual currency that facilitates money-laundering and is based on block chains.

因此，区块链的应用不应该直接应用。

Therefore, the application of block chains should not be applied directly.

如果由中央银行发行数字货币，那么数字货币应该是中央银行发行的、加密的、以国家信用为支撑的法定货币，并且符合受监管等条件的中央银行的货币。

If digital currency is issued by the central bank, the digital currency should be the legal currency issued by the central bank, encrypted, supported by State credit, and subject to conditions such as supervision.

前几天，印度总理莫迪为了打击逃税和洗钱，宣布发行新货币。

A few days ago, Indian Prime Minister Modi announced the issuance of a new currency to combat tax evasion and money-laundering.

实际上，中央银行发行数字货币，如果技术足够完善、机制成熟的话，效果会更好。

Indeed, the issuance of digital currency by central banks would be more effective if the technology was sufficiently well developed and the mechanisms developed.

因为数字货币除了可以防止欺诈之外，还具有资金数据追踪性和透明度高的特点，这是基于区块链技术而诞生的。

In addition to preventing fraud, digital money is also characterized by financial data tracking and high transparency, which is based on block chain technology.

这些特征可以应用于宏观数据的统计和监控，对大数据的风险控制具有积极意义。

These features can be applied to the statistics and monitoring of macrodata and have a positive effect on risk control of large data.

关于银行数字货币是什么，央行在今年1月20日的会议上表示，人民银行数字货币研究团队积极吸收国内外数字货币研究的重要成果和实践经验，在前期工作的基础上继续推进四要建立更加有效的组织保障机制，进一步明确央行发行数字货币的战略目标。做好关键技术攻关，研究数字货币的多场景应用，争取早日推出央行发行的数字货币。

With regard to what is a bank’s digital currency, the Central Bank, at its meeting on 20 January this year, stated that the People’s Bank’s Digital Monetary Research Team actively drew on the important results and practical experience of domestic and foreign digital money research, building on its earlier work to build on its efforts to establish more effective organizational safeguards and to further define the strategic objectives of the central bank’s issuing of digital money.