Libra来袭,中国应该怎么出牌

Overseas listed companies such as Ali and Tencent should apply to become Libra's super nodes as soon as possible, and put overseas RMB business into Libra's legal currency pool. For the regulator, it’s the smartest choice to close one eye at a time.ac80b79b45054438ada222e41a9028ce

Text/Cao Huining

On June 18, in the buzz of China's e-commerce year, US social media giant Facebook released the Libra white paper, claiming that a digital currency called "Libra" will be available within a year. Because it is based on blockchain technology, it will make cross-border remittances as easy as texting. Its payment cost is almost zero, so the user does not need to pay the fee, and its transaction speed is in seconds and thus there is no delay. It is linked to the legal currency, thus avoiding the price volatility caused by speculation, which is where the most popular bitcoin in digital currency has been criticized.

Regardless of the level, Libra's meaning is a milestone. To know that there are 1.7 billion people in the world who don't have access to banking services, Libra can replace traditional payment instruments such as credit cards overnight on the payment channel. For WeChat and Alipay, although they already have considerable experience in China, Libra does not need to go through any center to directly achieve peer-to-peer value transfer. Compared to the traditional financial system, Libra is safer, more transparent, cheaper and more efficient. Its transaction data does not pass through any company, thus protecting the privacy of users.

As a global digital currency, Facebook has a unique advantage: 2.5 billion Facebook users worldwide and 90 million companies on the Facebook platform have paved the way for Libra's landing. I believe that after Facebook, giants such as Google and Amazon will act in the digital currency field.

xxLibra does not have much impact and impact on the global financial system. If anything, it can be said to be a supplement to the existing monetary system. For example, the international transfer is now the cheapest to charge 4% -5% of the fee, but Libra basically does not need a fee. Libra's most natural advantage is that it has a huge global user base, and Facebook itself uses a certain amount of credit. As a cheap and convenient payment tool, Libra is likely to become a mighty trend and become the last bank.

As a stable currency, Libra is collateralized in French currency such as US dollars or short-term bonds, which means that there will be many companies in the future to help it exchange, making it a global digital currency. The first batch of 28 founding members announced by Facebook is the super node for global exchange and verification, and the future super nodes will be expanded to 100. China's Ali and Tencent should consider applying to become Libra's super node as soon as possible. To become a super node, a hard indicator is to pay the Libra Association a $10 million membership fee. This is not a big concern for companies of the size of Ali and Tencent.

xx天秤座协会的创始成员包括Mastercard(万事达卡),Visa(Visa),PayPal(PayPal)和其他支付巨头,以及与人们日常密切相关的Booking,eBay,Lyft,Uber和其他支付方案公司住。 Facebook实际上借鉴了比特币的教训。比特币从一开始就完全分散,Facebook更加谨慎。它选择的路径是从分散的100个节点开始运行,但它最终将完成分散化。这样做的好处是100个节点本身是值得信赖的实体,它们在受监管的环境中运行,并具有确保稳定的网络基础设施的专业知识,可以为Libra的增长提供营养。根据《纽约时报》,此列表中没有金融公司,部分原因是加密货币的监管问题。

如果天秤座将来失败,那绝不是因为技术上的困难,不是因为运营稳定,而是因为政策。中国人民银行一直被完全禁止使用数字货币,但对于天秤座,监管当局应该考虑一种包容和谨慎的态度,将海外人民币纳入天秤座的抵押贷款货币,甚至将其视为对“一带一路”的支持。 “财务战略的一部分。

如果你现在不为之奋斗,将来会有更多的人民币资产,天秤座将成为别人的市场。我担心会后悔的。现在它只不过是花1000万美元买票,更不用说1000万美元不是浮动票。因此,中国监管机构,中国企业应该制定计划,让中国企业和世界上最聪明的合作伙伴共同努力,创造新思路,激活新的金融业务,并将其带入世界和社会。来受益。

阿里和腾讯都是海外上市公司,应具有适度的监管灵活性。最令人担忧的监管机构是金融稳定和洗钱,但实际上这些都是可监管的。在天秤座表示:“我不太担心美国中央银行因数字货币或加密货币而无法实施货币政策。美联储主席杰伊鲍威尔很快表达了对天秤座的支持。同时,美联储不会将管理Facebook的天秤座项目。议程,因为美联储没有这样的权力。“而且非常清楚:”只有涉及消费者保护和洗钱时,它才会进入我们的管辖范围。“

中央银行对天秤座有不同的态度,但它们无法杀死它,因为它是一种数字货币。相反,我们必须看到Facebook推出的数字货币对整个社会都有用。当中国成为世界第二大经济体和全球最大的智能手机市场,全球最活跃的电子商务市场,为什么不让中国企业参与这个正确的游戏,主动抢占一股,而不是最后吃一些剩菜?如果真的发生了什么事情,美联储敢于接受它。中国央行为何不接受它?

现在没有人敢说天秤座会成功,未来会有很多变数,但在不影响金融稳定的情况下,应允许中国公司在海外研究和探索数字货币技术,让中国公司成为天秤座的人民币。节点,与它们一起成长。作为一个天秤座节点在技术上是不可逾越的,关键是要产生一些影响。对于Facebook来说,如果有一两家有影响力的中国公司成为他们的节点,那么加入锦上添花也是一件好事。如果世界在一年后开始使用天秤座,中国不太可能远离趋势或趋势。现在让网络开放,让中国公司在风暴中进行测试,而不是等待风暴过去,而不是等待时间来到鱿鱼。

一件新事物即将到来,你无法阻止它。它与种子具有相同的生命力。你在这个地方阻止它,它会在其他地方增长。多年来比特币被压制了多少次,并且在每次压制之后它已经反弹,这表明社会对其价值有真正的需求。

国内媒体普遍将天秤座翻译成“天秤座”。但事实上,Facebook发布了这一新的货币计划,这是为了纪念古罗马的重量单位。在拉丁语中,天秤座的意思是“磅”。如果你必须翻译,你可以将其翻译成“数字磅”。从天秤座到数字英镑,英文单词的翻译可以达到数千英里。可以看出,对于一件新事物,如果我们不理解它,我们可能会错过这个机会。如果你暂时不理解它,给它一些时间让它尝试,给它一些空间让它探索。

40年前,小岗村的土地承包责任书根据红色手印打开了中国改革开放的序幕。有人曾经问过安徽省委领导如何做到这一年。答案是:“一只眼闭一只眼睛。”这句话讲述了监督的本质。在数字货币的浪潮中,在天秤座的新事物中,“一只眼睛闭上一只眼睛”的态度是最聪明,最勇敢的监督。

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