什么叫数字货币？什么意思？

一、数字货币的定义

Digital money means digital currency that is not controlled by a particular organization and that is feasible on a global scale using some cryptographic technology.
, digital money can also be used to purchase electronic goods or services when dealing with websites or applications that are compatible with them. Different digital money, “encrypted currency”, “digital currency”, or “inflated currency” (Etherium). They are based on block-chain technology, operating and managing it globally at a bottom technological level (Etherium). As markets develop, local money markets may recognize digital money issued by atomic asset dealers.
, a major feature of digital money is the lack of central control and government agencies involved in the management and control of exchange rates in particular countries/regions.

国际清算银行（BIS）将数字货币定义为以数字形式表示的资产。

The Bank for International Settlements (BIS) defines digital currency as an asset expressed in digital form.

作为一个广义的术语，数字货币可以包括任何以数字方式表示价值的东西。

As a broad term, digital currencies may include anything that represents value in numerical terms.

与人民币纸币或硬币不同，数字货币以电子方式存在。数字货币可以使用移动电话、平板电脑、计算机或互联网等技术在用户或实体之间传输。最成功和广泛使用的数字货币形式是比特币，即加密货币。在某些情况下，数字货币可以用来购买商品和服务；但有时数字货币只能用于特定目的，如社交网络或网络游戏。

The most successful and widely used form of digital currency is Bitcoin, an encrypted currency. In some cases, it can be used to purchase goods and services; but sometimes it can only be used for specific purposes, such as social networking or Internet games.

1、数字中国货币包含两个部分“电子企业货币”，这些国家货币政策只是通过政府进行发行或监督承认的法定货币的数字技术代表。比如巴克莱银行新发布了一个名为Pingit，美国市场监管研究机构承认的1:1锚定美元的USDTGUSDPAX等。

The digital Chinese currency contains two parts of the “e-business currency” and monetary policy in these countries is merely a digital technical representation of the legal currency recognized through government issuance or supervision. For example, Barclays has issued a new name, Pingit, recognized by the US Market Regulatory Research Institute as US$1:0 anchored US dollar.

2、数字货币包括一种侠义的“虚拟货币”，由开发者控制和创造，并在特定社区获得价值。比如腾讯的 q 币，任天堂的分数等等，只为自己的生态圈，理论上不能用来购买真正的商品和服务。

Digital currency includes a veritable “virtual currency” that is controlled and created by developers and is valued in a given community. For example, the q-currency of evangelization, the Nintendo score, etc., is for their own ecological circle and cannot theoretically be used to buy real goods and services.

3、数字电子货币包含“加密货币”，一种通过使用密码学原理来确保网络交易信息安全及控制系统交易管理单位发展创造的交易媒介，去中心化，没有其他任何监管者，可以在实体或用户数据之间传输，可以有效进行分析真实货品交易，且允许无国界转让所有权问题以及即时交易。比如比特币、以太币等。

3. Digital electronic currency includes “encrypted currency”, a transaction medium created by the use of cryptography to ensure the security of information on Internet transactions and to control the development of transactional units in the system, decentralized, without any other regulator, capable of transmitting data between entities or users, effectively analysing real goods transactions, and allowing transfers of ownership and instantaneous transactions without borders.

根据中国国际货币基金管理组织和欧洲银行的定义，可以对数字货币政策进行分析如下分类：

As defined by the China International Monetary Fund Management Organization and the European Bank, the following categories of digital monetary policy can be analysed:

二、 “数字货币”是如何产生的

How “digital currency” is generated

数字货币的出现可以从货币的性质上来说，“一个关于交换权的合同”:

The emergence of a digital currency can be seen in terms of the nature of the currency, “a contract for the exchange of rights”:

1、原来的商业仅限于当地，可以理解为城镇广场的中心。此时代币(金属硬币)形式的货币效率非常高，在硬币换主人时完成交易结算。只要硬币有效(通过扫描、刮甚至咬来确定)。

1. The original business is local and can be understood as the center of town squares. Currency in the form of coins (metal coins) is very efficient, and transactions are settled when coins are replaced.

是谁手握一个硬币，并不具有重要

It doesn't matter who holds a coin.

2、随着商业向越来越多的马车和轮船转移，运送硬币变得昂贵、危险和繁琐。纸币(诞生于9世纪)起到了作用，但还不够; 随后出现了汇票的创新，这种纸币使得在城市中有银行账户的商人可以在目的地的银行取款。

As businesses move to a growing number of carriages and ships, the transport of coins becomes expensive, dangerous and cumbersome. Paper coins (born in the ninth century) have worked, but not enough; and there has been an innovation in money orders, which allows traders with bank accounts in cities to collect money at their destination.

阿拉伯人称之为“ sakks”这就是“支票”的由来。由意大利银行家和商人领导的文艺复兴，将这些支票和银行在世界各地经营的支票。还有中国的山西和印度的 hundi 的机票。

The Arabs call “sakks” the cause of “checks.” The Renaissance, led by Italian bankers and businessmen, brings these cheques and bankers’ cheques around the world.

忽然之间，交易对象是谁变得非常重要发展起来。眼前我们这个波斯商人是票据的合法企业所有者吗？这一票据进行可靠吗？山西票号会接受教育这一票据吗？

All of a sudden, who is the subject of the transaction that has become very important? Is our Persian businessman the legitimate owner of the paper? Is it reliable? Will the Sansi ticket be educated?

当信任变得至关重要

When trust becomes vital

自然，国家通过提供流动性支持和监督（暴力机构）成为这种信任的担保人，每个国家的法定货币都出现了

Naturally, by providing liquidity support and supervision (violence agencies) as guarantors of this trust, each country has its own legal currency in place.

3、随着互联网的出现，我们可以在任何时间任何地点见面，城市广场又变成了智能手机。

3. With the advent of the Internet, we can meet at any time or place, and city squares become smartphones.

在智能手机上，我们可以点对点和人与人之间交换各种信息和服务。这时候用法币交易商品极其不方便。人们期望智能手机上的硬币方便易用，随时在线，主人会完成交易结算。

On smartphones, we can exchange information and services from point to point and person to person. It is extremely difficult to trade goods in French at this time. People expect coins on smartphones to be easy to use, to be online at any time, and to be settled by their owners.

效率变得更为重要

Efficiency becomes more important.

这种发展需求催生出一个创新的提供企业电子公司货币的专业能力支付系统服务管理供应商—比如，中国的支付宝和微信、印度的PayTM以及、苹果的Apple Pay

This development demand has led to the emergence of an innovative provider of services for the payment system for the professional ability to provide corporate e-commerce money - for example, China's payment treasures and micro-letters, India's PayTM and Apple Apple's Apple Pay

为了跟上宽松支付的效率，传统国家银行也开始涉足电子货币，例如英国巴克莱银行(barclays bank)的 pingit

In order to keep up with the efficiency of loose payments, traditional national banks have also begun to engage in electronic currency, such as the barclays bank of England's pingit.

数字货币——以法国货币为锚的电子货币开始出现。

Digital currency — an electronic currency anchored in the French currency began to emerge.

4、因为我们国家的概念，使得企业此时的电子公司货币富有局限性，只能通过一个中国国家发展内部的人在广场中心-智能手机上方便的交换硬币

4. The concept of our country makes the electronics company of an enterprise very limited in monetary terms at this time, and can only be exchanged easily on the plaza centre -- smartphone -- through a person within the country's development.

在这个时候，广场的中心是一个平台，让全世界的人一起跳舞

At this point, the center of the square is a platform for people all over the world to dance together.

有些人质疑政府提供信贷的作用，希望广场中心的硬币能够普遍地被人们使用，并且能够防止犯罪分子和窥探者的窥探，以及政府的干预

Some question the role of the Government in providing credit and hope that the coins in the square centre will be widely used and will prevent criminals and spies, as well as government intervention

国家在提供信贷方面的作用受到了更普遍的无政府和分布式信贷系统的挑战。

The role of the State in the provision of credit has been challenged by a more general system of anarchy and distributed credit.

新的数字电子货币-加密货币政策应运而生

New digital e-money-encrypted monetary policy response

三、数字货币与传统货币、虚拟货币的区别

The distinction between digital and traditional currencies and virtual currencies

1.数字货币在两个主要方面不同于传统货币:

Digital currencies differ from traditional currencies in two main respects:

首先，数字电子货币政策没有进行物理结构特性，是无形的。不能把中国数字经济货币拿在手里就像10元的钞票一样，也不能把它们放在一个实体存钱罐里。但是，可以将数字货币保存在一些虚拟钱包中。

First, digital electronic monetary policy does not have physical structural characteristics, and it is intangible. China’s digital economy currency cannot be held in its hands like a $10 banknote, nor can it be placed in an entity’s canister.

其次，数字货币允许无边界的所有权转移和实时交易。

Second, digital currency allows borderless transfer of ownership and real-time transactions.

基于此 techopedia 甚至将数字货币定义为

On the basis of this techopedia even defines digital currency as

"一种仅以电子形式存在且不可见的支付方式 "

" A form of payment which exists only in electronic form and which is not visible "

2、数字电子货币与虚拟世界货币的区别：

2. Distinction between digital electronic currencies and virtual world currencies:

欧洲央行(ecb)在2015年报告称，虚拟货币是价值的数字表示，不是由中央银行、电子货币机构或信贷机构发行的。虚拟货币是一种不受监管的数字货币。

The European Central Bank (ecb) reported in 2015 that virtual currency is a value figure, not issued by central banks, electronic money institutions, or credit institutions. Virtual currency is an unregulated digital currency.

虚拟货币的开发者发行并控制它，有时只有特定虚拟社区的成员才能接受它。

The developers of virtual money issue and control it, sometimes only members of a particular virtual community can accept it.

虚拟世界货币（包括数据加密货币）是数字中国货币的一种。

Virtual world currencies (including data encryption currencies) are one of the digital Chinese currencies.