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Richard Turrin
Richard Turrin 认为中国在数字支付和金融科技领域处于全球领先地位，其数字人民币的推出将对全球支付系统产生深远影响。他详细阐述了中国数字人民币的运作机制、技术优势以及与西方支付系统的对比，并驳斥了西方社会对中国数字人民币的负面评价，认为其并非简单的监控工具，反而在一定程度上能保护用户隐私。他还分析了中国社会信用体系的实际运作情况，指出其并非人们想象的那么极端，而是更像一个商业信用体系，用于打击欺诈行为。此外，他还对加密货币的未来发展趋势进行了展望，认为加密货币需要监管，并对加密货币在发展中国家普惠金融中的应用提出了质疑。
其他嘉宾则就数字人民币的隐私、安全、可编程性以及与社会信用体系的关系等问题与 Richard Turrin 展开了深入的探讨，并表达了各自的观点和看法。
Deep Dive
Central Bank Digital Currency (CBDC) is a digital form of a country's fiat currency, issued and regulated by the central bank. It aims to provide a more efficient, inclusive, and secure payment system, potentially replacing traditional cash and some forms of digital payments.
Shownotes Transcript
Richard Turrin is the international best-selling author of "Cashless: China's Digital Currency Revolution". He is a top global fintech influencer, previously heading fintech teams at IBM. A former investment banker of 20 years, he is an expert on finance, technology and AI. Today we discuss the digital yuan (CBDC). We talk about data and privacy, the disturbing truth of credit card networks, financial inclusion, crypto currency, tech companies, payment apps, programmable money and social credit in the US and China.
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