In addition, the digital RMB is mainly used in high-frequency business scenarios of small retail, adopting a two-tier operation system, in which the central bank first exchanges digital currency for banks or other operating institutions, and then these institutions exchange it for consumers.
Where can I use digital RMB red envelopes?
Digital RMB can be used for red envelope shopping. Digital RMB is the "digital currency" issued by the central bank. Different from other digital currency, digital RMB is legal tender with legal effect, credit endorsement and legal compensation. Once the digital RMB is officially issued, it means that no one can refuse.
In addition, the digital RMB is mainly used in high-frequency business scenarios of small retail, adopting a two-tier operation system, in which the central bank first exchanges digital currency for banks or other operating institutions, and then these institutions exchange it for consumers.
Is the money fund risky?
The risk of money funds is small, but the income is also quite limited, and sometimes even less than bonds. But the liquidity is good, and there is no possibility of loss.
Money fund investment risk:
1, cash, money fund, short-term bank time deposit or large deposit certificate: there is a risk of bank failure;
2. Bond and bond repurchase: possible risk bond default and interest rate risk;
3. Short-term central bank bills: risk interest rate risk.
In fact, the risk of the money fund is very small. If you choose the right fund, many of the above risks will only appear in extreme cases.
Can securities investment funds disperse unsystematic risks?
Securities investment funds can disperse unsystematic risks. The risks of investment funds include systematic risks and unsystematic risks. Although funds can disperse non-systematic risks through portfolio investment, they cannot eliminate systematic risks.
Nonsystematic risk is also called "non-market risk" and "distributable risk". Not "systemic risk". Risks unrelated to fluctuations in the stock market, futures market, foreign exchange market and other related financial speculative markets. Unsystematic risks can be eliminated by diversifying investment.
How to buy a money fund?
Monetary funds are divided into on-site monetary funds and off-site monetary funds.
The advantage of floor money funds is that they can be bought and sold directly in securities accounts, and there is no need to open a special fund account. Securities users can download the relevant APP of their securities company, find the classification of funds on the APP, and choose the on-site funds they want to buy according to their own needs and risk tolerance evaluation level.
Enter the buying and selling interface, enter the buying and selling price and quantity, and click the transaction button to entrust successfully. After that, you can always check the income from buying and selling money funds.
OTC money funds can be purchased directly on third-party fund platforms such as Alipay or Tian Tian Fund, and paid as you go.