Digital currency

下面为大家整理一篇优秀的assignment代写范文- Digital currency，供大家参考学习，这篇论文讨论了数字货币。数字货币是电子形式货币的替代货币。按照发行主体分类，数字货币可分为央行数字货币和私人数字货币。央行数字货币是由中央银行发行，由国家法律规定强制流通的不以现金、贵金属为基础的纯数字化货币。私人数字货币由私人或企业等发行，能够在一定群体之间流通，并对部分或全部网络经济中商品交易和服务交易进行支付结算的纯数字化货币。

Digital currency, or DIGICCY for short, is an alternative to electronic money. According to the classification of issuing body, digital currency can be divided into central bank digital currency and private digital currency. Central bank digital currency is a pure digital currency not based on cash or precious metals issued by the central bank and forced to circulate by national laws. Private digital currency, such as bitcoin, Libra, etc., is a pure digital currency issued by private individuals or enterprises, which can circulate among certain groups and pay for and settle the transactions of goods and services in part or all of the network economy.

According to the development of money forms, it can be divided into four stages: physical money, substitute money, credit money and digital money.

Money originated from the inconvenience of barter in the primary division of labor and production in the primitive society. People used physical objects as the general equivalent and as the medium of Commodity Exchange. From the beginning of the technology is not developed, the use of livestock, grain, cloth, shells, pearls or perishable commodities as money; Until the rise and popularity of smelting technology, people found that metal COINS, which are easy to store and more stable, would be better as money, especially gold and silver, which have natural monetary properties.

Physical currency, which is not easy to carry in large quantities, restricts the trading of commodities. Some widely recognized Banks began to use paper money as an alternative to physical currency, such as jiaozi in the song dynasty, and later the government issued and used paper money. However, these notes are different from those used in modern society, because the credit basis of the paper money in the substitute money stage is that it can be converted into physical currency at any time.

Since the industrial revolution, productivity has been greatly increased, economic development has been accelerated, and the trading scale has become larger and larger. The ceiling of the supply of physical money, such as gold and silver, has been unable to meet the needs of social production and commodity circulation. In the 1970 s, the collapse of the bretton woods system ", the United States to stop to foreign governments and central Banks to perform the duty of the dollar for gold to cash decouple the imf member currencies to the dollar, the end of the fixed exchange rate system, the new "Jamaica system is formed," notes with gold the last layer of physical currency such as cut off. The nominal value of credit currency is decoupled from its intrinsic value, and the value base is completely changed to depend on the credit of central bank, the issuing body of money. Central Banks maintain the stability of the value of credit money by issuing a monetary aggregate that matches the growth in the size of the economy.

In modern society, commercial Banks make people's money deposits in Banks electronic. The credit of commercial Banks ensures that people can complete all kinds of transactions through electronic money and check their assets. At present, the development of science and technology allows people to gradually accept the intangible currency, for cash and other tangible currency use less and less frequently, the conditions for the issue of digital currency has been mature.

The widespread use of private digital currencies such as bitcoin and Libra is based on people's identity and trust in their issuers, but these identities and trust are limited to some areas. The issuance of private digital currency has indeed brought great convenience to some aspects, such as transaction payment, and seems to have a tendency to become a super-sovereign world currency. However, the credit of the issuing body can hardly surpass that of the central bank. In contrast, the central bank digital currency backed by sovereign governments is legal and has a more reliable and useful basis. In the future, the digital currency issued by the central bank can effectively face the challenge of private digital currency, optimize and upgrade the current currency issuance and circulation system, firmly enhance the control of sovereign currency, and thus promote the international competitiveness of sovereign currency.

At present, the widely accepted digital currency technology is based on the block chain technology. Block chain is essentially a decentralized database, a new application model of distributed data storage, point-to-point transmission, asymmetric encryption, consensus mechanism, intelligent contract and other computer technologies. Blockchain technology can be widely used in finance, Internet of things, public services, digital intellectual property, public welfare and other fields. Especially in the financial fields such as international exchange, equity registration and securities trading, blockchain technology can eliminate the need for third-party intermediaries and achieve point-to-point direct connection, which can not only reduce costs but also quickly complete transactions. In short, it is to simplify the transaction process and make transactions in the financial industry more convenient and fast.

On October 24, 2019, general secretary xi jinping stressed the need to increase input to accelerate the development of blockchain technology and industrial innovation when he presided over the study. The policies of the party and the country will guarantee the rapid development of fintech and digital currency

Currently, the blockchain industry mainly includes: semiconductor enterprises providing consensus mechanism chips, open source blockchain framework enterprises, blockchain platform enterprises, and enterprises providing blockchain-based services or software solutions. Among domestic enterprises, the block chain platform technology of ant financial, ping an of China, tencent, huawei, wanxiang and other companies occupies an important position in the world, and there are also a number of excellent start-ups in the fields of asset trading, clearing, cross-border payment and electronic bill. The development and practice of these enterprises provide a good technical basis and development space for the emergence of digital currency.

In 2009, bitcoin was born. Instead of relying on specific institutions, it is generated by the calculation of network nodes based on specific programs. That is, there is no specific issuer of bitcoin, and anyone can issue bitcoin. The upper limit of bitcoin issuance is set by the algorithm to ensure the value of the currency. The distributed bookkeeping features of blockchain technology ensure that bitcoin can be paid conveniently, accurately, safely and privately. More and more people are using bitcoin for transaction, payment and investment speculation, which has had a certain impact on the payment system of various countries, the operation system of sovereign currencies and financial stability.

On June 18, 2019, the Libra official website of Facebook's global digital cryptocurrency was officially launched, and the Libra white paper has been published, which aims to create a simple, borderless currency, a financial infrastructure for billions of people. Libra has received a lot of attention since its launch, both as a new wave of digital currency and as a source of concern for national regulators. Libra is a block chain cryptocurrency led by Facebook and is a payment tool for daily business/personal transactions rather than a security for investment needs. In terms of application scenarios, the platform owned by Facebook, the sponsor, has covered 2.32 billion users worldwide. Transactions between platforms and users can be paid in Libra, while PayPal, Visa, Uber and other companies join the Libra association to further extend the payment scenario offline. Meanwhile, the Libra reserve, which is 100% linked to a basket of bank deposits and Treasury bills, has the advantages of stability, low inflation, global acceptance and interchangeability. Thus, Libra will have a greater impact on the current world monetary system than early private digital currencies such as bitcoin. However, in reality, it is difficult to perform the essential function of money as a medium of exchange because of many defects in representing private digital currency. There are several practical reasons why private digital currencies cannot become real money:

Private digital currencies are too volatile to act as generic equivalents. The function of money as a medium of exchange requires that the value of money be inherently stable so as to ensure that the price of the same commodity does not change too drastically, at least in the short term. Private digital currencies, on the other hand, tend to soar and plummet, with double-digit percentage gains and declines possible in a single day. Although Libra controls currency fluctuations through a number of mechanisms, its main mechanism is to anchor fiat COINS, which contradicts its purpose of replacing or surpassing fiat COINS.

Private digital currencies are abundant and fungible. In the age of metal money, the scarcity of gold and silver is determined by natural attributes, while private digital money is not unique in terms of its production mode, trading mode, storage mode, etc., due to the replicability of codes and algorithms.

The issuing mechanism of private digital currency is difficult to adapt to the development of modern economy. Private digital money is generally based on computer algorithms rather than economic principles and cannot adjust the money supply to market supply and demand.

In recent years, the central bank's digital currency development has not stopped. Since 2014, the central bank has made active efforts in digital currency research and development with fruitful results. In the state intellectual property office, the institute of digital currency of the central bank has applied for more than 70 patents related to digital currency. After 5 years the central bank digital currency is ready to emerge.

At present, the central bank's digital currency design primarily focuses on the replacement of M0, while the central bank's digital currency issuance adopts a two-tier operation system. All these are decisions made based on China's national conditions.

The design focuses on the substitution of M0, that is, to form a complementary advantage with the current electronic payment of credit currency, to replace M0 and gradually form a cashless society. This kind of design is due to the existing electronic payment tool, credit currency for reliance on bank account and communication network is very high, the bank account service and poor communication network coverage areas, trade is still mainly rely on cash, so central Banks digital currency reserves the main characteristic of the cash, specifically designed has the characteristics of portable, intimate and offline payment of a digital currency.

The issue USES a two-tier operating system, in which the central bank exchanges digital currency with operating institutions such as commercial Banks, which then exchange it with the public. This dual placement system has many advantages: first, using existing resources to mobilize the enthusiasm of commercial Banks and giving full play to the advantages of technical reserve and talent reserve of commercial Banks; Second, in China, a complex economy, the acceptance of digital currency can be improved and the difficulty of issuing can be reduced. Third, it can avoid the central bank from facing financial institutions to facing the public directly and reduce various security risks. Fourth, to prevent the newly issued central bank digital currency with the central bank credit endorsement, people think it can be used as an asset reserve, causing a run on the existing deposits of commercial Banks and affecting the normal operation of commercial Banks.

The issuance of digital currency by the central bank will have a huge impact on the future financial system. It will create a more stable, reliable and efficient financial system and have a positive impact on all aspects.

Paper money needs special paper production, and requires multiple anti-counterfeiting functions, complex process, need a certain cost. According to public records, some low-denomination currencies cost more to produce than they are worth. Even COINS, which are inherently difficult to carry and store because of cost, last longer than paper money.

The central bank needs to invest the cost of setting up the operation and management platform in the initial stage of issuing digital currency, and the cost of issuing digital currency in the later stage will be less and less. At the beginning of the digital currency circulation of the central bank, the digital currency is linked to the credit currency currently in circulation, gradually replacing the physical notes, COINS and electronic currency currently in circulation, forming a new digital currency operation system. In the late period of the digital currency circulation of the central bank, since the digital currency can not be linked to the current credit currency, it can independently form the currency circulation system, and its operation cost is much lower than the current credit currency system.

The legal tender of mainstream sovereign states mainly refers to cash, but it is difficult to track and monitor the characteristics of cash, which makes it become the preferred transaction form of money laundering, smuggling, tax evasion, drug trafficking and other illegal crimes. In addition, individuals holding cash and revealing their wealth are easy targets for criminal activities.

As the central bank's digital currency is issued and circulated through the network, with multiple encryption, controlled anonymous transactions and real-time monitoring, it is easy to trace the source, so the current illegal and criminal activities targeting and using cash will be greatly curbed.

According to various data statistics and the results show that the human economic activities along the overall trend of the economic development law of expansion and contraction, cyclical fluctuations, the central Banks of an important duty is to monitor and control the money supply and circulation, the escort for the economy running smoothly, fluctuations in the economy, with the macroeconomic regulation and control to adjust the economic operation, reduce risk.

In the future, digital currency issued by the central bank differs from the functional currency of the existing electronic form, digital currency various financial emerging technology can be used to monitor the flow of funds to and information, as the central bank's monetary policy to provide timely and effective, real comprehensive data base, combined with large data analysis, real-time monitoring of valid conclusions as a result, the targeted control digital accurately targeted to the demand of money. This avoids the use of broad central bank monetary policy such as interest rate adjustment, and helps the central bank to use policy tools in a more timely, effective and precise manner.

In the current era, the technological changes in the field of Internet + finance are changing rapidly. A few companies and individuals offering private digital currency such as COINS, Libra, although in the short term, shorten the transaction chain, reduce the transaction costs and improve transaction efficiency and has been widely accepted by benefits brought the potential risk will bring hidden danger to the world economy running smoothly, if not to regulate and guide, private digital currency to money laundering, fraud, and to dodge capital controls and other illegal and criminal behavior provides a hotbed of breeding, will attract more incalculable financial and economic crisis.

The digital currency of the central bank adopts a new payment system and mode, reduces the circulation of money, speeds up the conversion of financial assets, improves transaction efficiency, and provides a wider user group and credit base. In central bank, on the basis of digital currency circulated widely, central Banks can use new technology to establish an effective financial data monitoring and evaluation system, controlled by digital currency information advantage, timely processing and deal with all kinds of impact on the future economic development of various potential risks and finally build a robust reliable and efficient new financial system.

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东方的室内设计

我一直向往着东方之美所带来的空间艺术。去年夏天，我去日本旅行了。日本人口众多但土地面积很小，为了进一步了解国家的室内设计，如何找到一个平衡点在实际需求和审美，我在当地爱彼迎的公寓参观了三套非常典型的设计布局。我今天要介绍的那家位于东京。

这是一栋类似联排别墅的建筑，有两层，三个房间，两个大厅，两个卫生间，一个厨房和一个淋浴间。这个地方有两个特点让我感到惊讶。首先是空间的利用:在这样一个小空间，它使用一个日本传统分区设计和移动门一楼创造一个舒适、优雅的客厅和一个茶室，和家具和软穿的选择，它使用一个独特的家具风格和一个紧集，和优雅的颜色浮世绘作品，以及一些小饰品，曼联两个独立的空间，居民会觉得空间看起来比实际的生活空间的面积;在厨房上方，它被雕刻成一个空的区域，使狭窄的厨房不给人一种压迫感，并且有一个与二楼走廊相连的窗户，方便与二楼的人交流。厨房灶台、水槽、灶台、炉边、操作台一体，另一侧放置木质储物架和冰箱，提供充足的储物空间。客厅的颜色不那么明快，但是大面积的白色粉刷，使得厨房原本就不足的自然采光显得更加明亮，给人一种干净的感觉。第二独特的建筑“京都萍亭”，(“内部花园”)，在这样一个小空间内，院子里安排的设计才华横溢，在院子里有一些竹子，一个游泳池，一块石头路，生活在这样一个现代城市与一块自己的自然空间放松和冥想显示了人们对自然的爱。

这种独特的看到这个空间设计的经验，让我深深理解和意识到，这不是一个简单的设计的软，硬的搭配穿但平衡，它小心翼翼地寻求实用和麻醉美，比如房子，它反映了在设计一个真正的和准确的使用空间;庭院的家具、装饰、色彩的融合与碰撞，表现出一个个人与社会的室内设计师对美学的热爱，表现出真诚与朴素的欲望，两者的结合是完美与平衡的。我想这就是我对室内设计这个爱好的追求。

更多关于北美作业代写的内容，点开主页栏目，即可快速获取北美作业代写范文，如果各位有代写需求，可以咨询24小时客服QQ：800020041，为您详细解答。

Essay写作中排比结构的使用方法

想必留学生们也知道，不止国内的写作有排比结构，国外的英文写作也有。在Essay写作运用排比结构的话，同样可以起到强调的作用。当然，排比结构也不能滥用，下面就给大家详细讲解一下Essay写作中排比结构的使用方法。

我们现在就带着大家对一篇题目中的排比结构文本进行分析，同样，还是希望大家在看完文本之后先自己感受一下，然后再参考我们给出的分析内容。

我们以2019.6北美关于电子书的Essay写作题目为例。这篇文章的主要论点是纸质书和电子书相比有一些非常独特的优点，所以不能完全被电子书所取代。作者在论证自己的观点之前，先是肯定了电子书的一些明显优势：

"In theory, the benefits of electronic textbooks seem clear and compelling. They can be updated quickly with new information. They promise cost savings, at least over the long haul. They reduce paper and photocopier use. And they’re lightweight, freeing students from the torso-straining load of book-filled backpacks."

这里就是非常明显的排比句，所有用来展现电子书在理论上的优点的句子都采用了同样的句型。这样的罗列首先证明了那些电子书的拥护者本身并不是完全没有道理的，但是需要注意的是，这些句子的简洁性使得这些优点的列举偏仓促。这样的句式选择其实起到了两个作用，一个是承认反方观点的有效性，但同时也暗示了这种想法的局限性。对于作者本身更加偏向的方向，将会使用更多更细致的笔墨加以描写，为接下来对于纸质书好处的论证打好了铺垫。这里很难说排比真的起到了强调的作用，所以一定要注意根据具体的上下文进行区分。

果不其然，在后面的文本当中，作者再次用排比的手法论证了纸质书独有的好处。这里，作者首先列举了人们在读书的过程中各种不同的学习方法，接下来又列举了纸质书能够怎样一一满足人们这些多样化的需求：

"One of the key themes emerging from the studies, as well as from earlier research into reading behavior, is that people read in a variety of ways. Sometimes they immerse themselves in a book, reading without interruption. Sometimes they skim pages to get a quick sense of the story or argument. Sometimes they search for a particular passage. Sometimes they skip back and forth between two or more sections of a text, making comparisons. And sometimes they take notes or highlight passages as they read.

Because we’ve come to take printed books for granted, we tend to overlook their enormous flexibility as reading instruments. It’s easy to flip through the pages of a physical book, forward and backward. It’s easy to jump quickly between widely separated sections, marking your place with your thumb or a stray bit of paper. You can write anywhere and in any form on any page of a book. You can keep many different books open simultaneously, dipping in and out of them to gather related information. And when you just want to read, the tranquility of a printed page provides a natural shield against distraction."

这里所有的信息都是以排比的形式给出。除了排比本身能够让人们对于纸质书能做到的事情的多样性和灵活度留下了深刻的印象，这种一一对应的格式，更是让读者感受到了纸质书的极强的适应性以及它能够真正满足读者各种需求的这种特质。尤其是在和下面一段对于电子书更加缺乏灵活性和适应性的对比，更能让人感受到纸质书高出一筹。注意，对于电子书对于灵活性的缺乏这一段，作者并没有采用排比的句式，也和上文描述纸质书适应性这段规整的描述形成了对比，也让纸质书的优势更为显著。正如作者在下一段最后指出的一样，

"Whereas a printed book adapts readily to whoever is holding it, an e-book requires the reader to adapt to it."

以上就是关于排比结构的使用方法，关键点在于分析这种手法是怎么对于一段的中心意思起到推进作用的，大家可以多去练习一下。

亲们可以进入主页了解和获取更多论文写作技巧，51Due为留学生提供最好的essay代写服务，详情可以咨询我们的客服QQ：800020041。

UK financial advertising regulatory mechanism

本篇paper代写- UK financial advertising regulatory mechanism讨论了英国金融广告监管机制。英国金融行为监管局及其前身金融服务局先后发布了一系列针对金融广告的监管规则，其中《营业行为规则》要求金融机构进行广告宣传时，必须遵循清晰、公平、不得误导等基本规则；《金融营销——个人储蓄账户广告及为投资专业人士服务的广告》指导意见对金融机构发布广告进行了八点风险提示；《社交媒体与客户沟通——基于社交媒体的金融营销活动指引》从风险提示、信息转发、审核记录等方面对金融机构使用社交媒体发布广告提出了要求并进行指导。本篇论文代写范文由51due代写平台整理，供大家参考阅读。

In recent years, the rapid development of China's financial advertising market, containing false, misleading content of the advertising frequently appear, infringement of the legitimate rights and interests of consumers occur from time to time, bringing huge losses to financial consumers. Therefore, to strengthen the regulation of illegal financial advertising has become an urgent problem to be solved. The advertising regulation rules issued by the financial conduct authority and the advertising standards authority of the UK and the cooperation mechanism between the two have certain reference significance for strengthening the multi-department financial advertising regulation cooperation in China, improving the efficiency of financial advertising regulation, protecting the legal rights and interests of financial consumers more effectively, and preventing and resolving financial risks.

The FCA put forward a review principle for financial advertisements that "clearly, fairly and without misleading the advantages of financial products while clearly stating their risks". The FCA and its predecessor, the financial services authority, have issued a series of regulatory rules on financial advertising, mainly including the "rules of business conduct" issued in March 2010, which requires financial institutions to follow the basic rules of clarity, fairness and non-misleading in advertising. In March 2012, the guidance of "financial marketing -- individual savings account advertising and advertising for investment professionals" was issued, giving eight points of risk warning for financial institutions to publish advertisements. In March 2015, social media communication with customers -- guidelines on financial marketing activities based on social media was released, which provided requirements and guidance for financial institutions to use social media to publish advertisements from the aspects of risk warning, information forwarding and audit records.

Established in 1962, the ASA is currently the highest body of the self-regulatory body for the advertising industry in the UK. In the UK, advertising is regulated mainly through industry self-regulation and a common regulatory system. Among them, industry self-discipline refers to the constraint of advertising industry rules on non-broadcast advertising. The non-broadcast advertising rules related to finance are the non-broadcast advertising rules for financial products. Co-regulation means that the British telecommunications regulator authorizes the self-regulatory body to regulate radio advertising. The rules for radio advertising related to finance are the rules for financial products, services and investment in radio advertising.

In December 2014, the FCA and the ASA signed a memorandum of understanding to facilitate and structure co-operation and coordination between the FCA and the ASA by clarifying their respective regulatory responsibilities, as well as arrangements for co-operation and exchange of relevant information. The main content of MOU is:

The FCA is the main regulator. The non-broadcast advertising field mainly includes newspapers, websites, social media, etc., and reviews the relevant parts related to the unique attributes of financial products. ASA also assists the FCA in reviewing other aspects of financial advertising that are not specific to the attributes of financial products.

The ASA regulates all financial advertising but seeks advice from the FCA.

ASA's regulations on non-broadcast financial advertising put forward the following requirements for advertisers' marketing communication: first, financial products in marketing communication should be introduced in an easy-to-understand way, and the calculation of product interest rate must be clear. Second, marketing communication should at least specify the nature of the marketing contract provided before entering into a binding contract, as well as the contract conditions such as fees and penalties. It must be clear that the value of investment is variable and cannot be guided or guaranteed by past marketing performance and experience.

The ASA regulation on non-broadcast financial advertising in MOU puts forward the following requirements for advertiser marketing communication: first, financial products in marketing communication should be introduced in an easy to understand way, and the calculation of product interest rate must be clear. Second, marketing communication should at least specify the nature, cost, penalty and other contractual conditions of the provided marketing contract before entering into a binding contract. It must be clear that the value of investment is variable and cannot be guided or guaranteed by past marketing performance and experience.

First, for advertisements of consumer credit, investment and complex financial products and services, it is the responsibility of the broadcasting station to centrally clean up, and only those who have the relevant authorization, comply with the financial promotion rules of the fair competition act, or are exempted from broadcasting under the foreign citizenship act can broadcast. The other is that the advertisement may involve the interest payable on savings, but it must be accurate and explain whether the interest rate is variable, the tax rate and the conditions that affect the income. All relevant restrictions must be attached to the specific amount guaranteed in the life insurance advertisement; References to income taxes and other tax benefits should be limited and specified, making it clear that "tax treatment depends on the individual's circumstances and may change in the future"; Advertisements are not allowed to directly or indirectly invite remittances to advertisers or any other person; Advertisements in paper or electronic publications shall not recommend specific investment offers. Three is usually think advertisements for the non-specialist audience, otherwise only in specialized financial channels or stations or related financial programs rest time, subject to administration of financial control, or to allow and spread betting advertising must obey the rules of the gambling, in addition to advertising, the difference between the contract provided only to prove through preview program related financial transaction experience of customers.

The first is that the FCA will refer to the ASA when dealing with financial advertising regulation issues outside its own authority, and the FCA can provide Suggestions or useful information to the ASA.

Second, some financial advertisements are broadcast in both broadcast media and non-broadcast media. ASA can handle the whole complaint instead of handing over the non-broadcast part to FCA, and FCA can handle the whole complaint instead of handing over the broadcast part to ASA. However, when investigating advertising complaints within the other party's purview, the other party must be informed.

It is involved in the financial attributes of financial products, to determine the financial advertising is unfair, unclear, misleading, ASA treatment clearly advertising campaigns, and unfair or misleading or is not allowed the complaints such as comparison, will be treated as reference FCA on investment business, deposits, family financial transactions, general insurance and pure protection policy, payment service, the elements of complaints or claims management activities.

The information that the FCA and the ASA can share when conducting an advertising investigation is as follows: first, information related to the advertising investigation, and information about a company or person that is useful to the other party. The second is the information that the ASA has that can explain the problems of FCA certified companies. Third, where appropriate, the FCA and ASA can negotiate and coordinate reviews, solicitation of evidence, and recommendations against each other.

In terms of the regulation of illegal financial advertisements, the FCA mainly adopts the following measures: first, it selects highly misleading and serious clues for further screening. The second is to set up a commission to decide whether to issue a warning to the financial institution under investigation. Third, financial institutions are required to remove illegal advertising and inform the reasons. Fourth, financial institutions are allowed to explain and provide evidence on the legality of their advertisements, and accordingly whether to modify, recall or implement previous decisions. If the financial institution does not recognize the FCA's administrative decision, it may apply for administrative review. Fifth, the relevant administrative penalty of illegal financial advertising shall be publicized.

Advertisers, publishers and advertising agents must take measures to remove or modify advertisements that are found to be illegal by the ASA. ASA's disciplinary measures against illegal advertising mainly include reputation punishment, transfer of complaints to relevant bodies such as the UK national trade standards organization, cancellation of industry awards, administrative penalties such as warnings, fines and license revocation, as well as pre-examination and cancellation of trade privileges.

At present, the laws regulating advertising behavior mainly include "advertising law", "anti-unfair competition law" and "consumer rights and interests protection law". As the main basis for the market supervision and regulation department to regulate commercial advertisements, these three laws have not made specific provisions on the supervision of financial advertisements. However, financial products and services are obviously different from general commodities and services, such as the invisibility of commodities and services, the particularity of financial transactions, and the professionalism of the financial industry. Financial advertising behaviors cannot be effectively regulated only according to the provisions of the advertising law. However, commercial Banks law, securities law, securities investment fund law and other financial laws and regulations have not clearly regulated financial advertising, and the provisions of the current laws and regulations are not operable.

According to the provisions of the advertising law, the market supervision and administration department shall be in charge of the supervision and administration of advertising throughout the country, and the relevant departments under the state council shall be responsible for the work related to the administration of advertising within their respective functions and duties. From the perspective of the main body, industry, content and media of financial advertising, financial advertising supervision involves multiple departments including market supervision, finance, industry and information technology, news, radio, television and public security. The current laws and regulations do not clearly define the division of duties and the scope of supervision among various departments, and do not form the joint force of supervision on illegal financial advertisements. In practice, problems such as "multiple supervision" and "supervision vacuum" are prone to occur. The unclear division of regulatory responsibilities leads to the absence of the pre-inspection mechanism, in-process monitoring mechanism and post-disposal mechanism for illegal financial advertisements. In many cases of fraud against financial consumers, individual cases can only be dealt with after the occurrence of problems.

It is suggested that financial advertising should be legislated separately. In terms of financial advertising regulation, it is better for the state council to formulate administrative regulations "financial marketing administration regulations" or "financial advertising administration regulations". With the high-level administrative regulations to unify and coordinate the financial, market supervision, broadcasting, press and publication general administration, industry and information technology and other departments to carry out financial advertising management. The legal provisions of administrative regulations should be closely linked to financial consumer rights and interests protection, the design of advertisement in financial supervision law, should be to protect the legitimate rights and interests of financial consumers as the core, focusing on financial advertising, finance, advertising content contains the necessary items and prohibitions, financial advertising censorship beforehand, shall be prohibited financial advertising behavior, illegal financial monitoring and identifying and disposal, illegal financial advertisements of civil liability, administrative penalties, and even criminal responsibility according to law to make clear a regulation, etc.

For the online and offline mainstream media, the market supervision and administration department shall promote the advertisement publishers to establish the registration system of financial advertisement release, so as to make the whole process of advertisement release leave traces and make the release traceable. And with the help of scientific and technological means to actively establish an organic combination of online and offline monitoring monitoring system; For illegal financial advertisements, the financial supervision department, the market supervision department and the public security department may sign a memorandum of understanding to establish a joint screening and cooperative disposal mechanism to cover the whole supervision process and chain.

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Painting art in community building

下面为大家整理一篇优秀的essay代写范文- Painting art in community building，供大家参考学习，这篇论文讨论了社区营造中的绘画艺术。绘画艺术介入社区营造已经成为一种趋势，绘画作为一种精神产品，有着非常悠久的历史，绘画对于不同年龄、不同性别、不同区域的人均有着吸引力，绘画的普适性较强，也就是说绘画有着先发优势和针对性优势，有了这两种优势，绘画艺术很快便被社区民众接受。另外，绘画艺术与社区的建设和营造结合起来，能充分发挥艺术的视觉冲击效果，给观者最强的多样化感受，进而成为不同的社区向外界展示自己的一种艺术工具。

In recent years, our country is to push the work of community construction, community construction is, however, a comprehensive and complicated project, in different parts of our country's community construction all show the different characteristics of art in community construction has been a heated discussion, painting art in community construction, what is the role of how to build in the community to create art and cultural symbiosis of human settlements, out of consideration of the above problems, this paper combined with the development of community construction in Taiwan area, adopting comparative analysis and document analysis, trying to explain the importance of art in community construction at present.

Community construction in our country has a long history, after the founding of new China, the state set out to improve the livelihood of the people's work, start from the Angle of planning administrative region community regulation, however, that is, to the third plenary session of the founding of new China at this time, due to the national class struggle as the main direction of work, so the period of slow economic development, the government cannot give special funds for community to build, on the other hand, the period is strongly influenced by the ideology of the community, the community popular with class struggle and all kinds of political movement, the squeezed art are involved in the space of the community, the community without the intervention of the art of painting in that period; After the reform and opening up, China's economy has been rapidly developed, people's living standards have been rapidly improved, the direction of the national policy has been changed, community transformation and community construction has received certain attention, painting art as a spiritual product began to flow from the eastern coastal areas into the interior, from the city to the neighboring communities. In the 21st century, people is higher and higher requirement for the quality of life, the world community reform tide, our country's community construction work in vigorously promoting, this period, the development history of art and the internationalization of conversion, began to show to the characteristics of the ground from the tall, community has become the focus of many art organizations and artists, art with traditional paintings in ancient China has close origin, quickly accepted by the community, the community has become important space of the development of painting art.

Painting art in community construction has become a trend, painting as a kind of spiritual products, has a very long history in China, drawing for different ages, different gender, different area per capita has the attraction, the universality of the painting is stronger, that is to say painting have first-mover advantage and hangouts, has both advantages, painting art quickly accepted by the community. In addition, if the art of painting is combined with the construction and construction of the community, it can give full play to the visual impact of art, give the audience the strongest sense of diversity, and thus become an artistic tool for different communities to show themselves to the outside world. So what role does the art of painting play in the current community building?

First of all, artists are rooted in the community to create, the majority of community people become potential consumers; At present, the state shall encourage artists ground works of art, and actively promoting excellent works of art into the community, many artists to seize the opportunity to actively in the community, the community diversity of different life scenes as the source of artists, artists created many excellent works, under the impetus of the artistic media, community culture and community features manifest, diversity and community atmosphere becomes active, at the same time, these works are accepted by the community, and, in turn, become the community residents of consumer goods, arts and cultural symbiosis gradually promote the formation of human settlements.

In addition, art itself is compatible; Art can transcend all kinds of bottlenecks in order to achieve the purpose of art Shared, art convey is a Shared, symbiosis, and the value of art with strong influence force, combined with national policies related to the construction of community, reasonable use of the above value of the art of painting, can promote community neighborhood benign interaction, promotes the feeling of community, moderate to promote community harmony and, in turn, to improve the cultural quality of the community, to the philosophy of art and the way to promote community construction, make the community energetic, full of flavor.

Art has diversity, art's external display forms are diverse, the connotation of art itself is rich; On the one hand, community construction requires the community to have a better external appearance, display the image of the community, and integrate painting art into the community construction, so that the community architecture has more humanistic characteristics, so that the architecture bid farewell to the harsh emotional appeal, the architecture is more elegant and harmonious, so that the comprehensive image of the community can be greatly improved; On the other hand, the connotation of art is rich. Under the guidance of artists, the community people can devote themselves to the creation of artistic works according to their own preferences and become the masters of the community transformation, so as to enhance the collective identity of the community and enhance the overall humanistic quality of the community.

Finally, when community art develops to a certain extent, the combination of community painting art and community economy can form an "art and culture industrial park". Community reform objective is to improve the community environment, thus to improve the quality of community life, and the development of economy and the people's quality of life is closely linked with community and community economic development, the combination of painting art community through certain processing and conversion, can be a community theme culture creative products, auxiliary related venues and facilities, can make community art culture and industrial park, as a result, the community is person, is also a producer, community features improved at the same time, also get community economic development, the community becomes art and cultural symbiosis of human settlements.

Painting art in community construction, and industry culture and the cultural industrialization of cross-pollination, eventually led to the community hardware and software environment, create a new community culture activity space environment, makes the community of people become the good vision and high comprehensive quality and citizens, therefore, art has an important role in community building, in the community to create work, considering the effect of the policy guidance at the same time, we should reasonable use all kinds of means, make art we build tools, become a community of foreign show the way, we will give full play to the role of infection, of the art of painting Make the community an organic unit in a modern society.

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