DCEP的特征主要体现在两大方面，一个是金融上的特征，一个是技术上的特征。专利上主要阐述了技术上的特征，关于金融上的特征，主要源自穆长春先生在公开课中的报道。
The features of DCEP are essentially two main features, one financial, and the other technical. The patent mainly describes the technical features, and the financial characteristics stem mainly from Mr. Mu Changchun’s public lectures.
首先DCEP是对M0的替代，也就是对现金的替代，之所以只对M0替代，是因为M1.M2已经实现了数字化，如果把M0也数字化后，那么央行对资金的监管就比较完整了。另外，之所以从现金入手，一部分原因也是因为现金只是承担了货币的功能，所以对社会的影响并不会非常大。
First, DCEP is a substitute for M0, that is to say for cash, because M1.M2 has been digitized, and if M0 is also digitized, then the central bank’s regulation of money is more complete. And, in part, it is because cash only assumes the function of money, so that the impact on society is not very large.
是指上面一层是人行对商业银行，下面一层是商业银行或者商业机构对老百姓。也就是说，商业银行向人行交付100%的准备金，然后人行给与商业银行等额的DCEP，接下来用户通过现金或者存款等向商业银行兑换DCEP。如果人行直接面向老百姓，理论上也是可以的，这样的话，人行就需要面对全中国所有的消费者，他就需要设计一个既满足用户体验又满足高性能要求的系统，显然人行是不擅长做这个的，所以最好的方式由市场经济来决定，也就是说将面向用户的那一端交给商业银行或者机构来做，充分发挥市场竞争。
This means that commercial banks deliver 100% of their reserves to the bank, and then the bank gives the same amount of DCEP to the commercial bank, and the user converts it to the commercial bank through cash or deposits. If the bank is directed directly to the people, it is also theoretically possible. In that way, the bank needs to face all Chinese consumers, and it needs to design a system that meets both user experience and high performance requirements.
这一块是指DCEP在设计上所需要满足的几个特征，这几个特征与BTC等基于区块链的虚拟货币概念比较相似。当然，与其说和BTC等虚拟货币的概念比较相似，不如说满足那几个基本特征的才算是数字货币。
This section refers to several features that DCEP needs to meet in its design, which are more similar to the concept of virtual currency based on block chains, such as BTC. Of course, rather than the concept of virtual currency, such as BTC, it is digital currency that meets those basic features.
这个要求防止商务中任意一方更改或者非法使用数字货币，这个更多的是体现在对DCEP使用的监管上，甚至于说可以终止某次非法的交易。
This requirement prevents any party in commerce from modifying or illegally using digital currency, more so by regulating the use of DCEP, or even by stating that an illegal transaction can be terminated.
这个是指数字货币只能使用一次，重复花费容易被检查出来。之所以提这个，是因为一旦现金被数字化后，那么数据的复制就是难免了，比如有个用户用面额是100的DCEP买了一张电影票，但是又复制了这么一份相同的DCEP去进行消费，那么就是对同一份数字货币进行重复花费，所以对于数字货币来说这个是基本特性。对于BTC来说，是通过UTXO来实现防止双花，而对于Ethereum、libra来说则是通过交易的seq来防止双花。对于DCEP来说，则是采用类似UTXO的方式，至于这里的UTXO与BTC的UTXO的区别，会在下一篇文章中介绍。而现金则由于难以伪造的特性，在物理上可以保证只此一份。
This refers to a digital currency that can only be used once, and repeated costs can be easily checked. This is because, once cash is digitized, it is inevitable that data can be copied, for example, if one user buys a film ticket using a 100-denominated DCEP, but reproduces the same DCEP for consumption, which is a duplicate of the same digital currency, so it is a fundamental feature for digital money. For BTC, double flowers are prevented by UTXO, while for Etheum, Libra, double flowers are prevented by transaction seq. For DCEP, the difference between UTXO here and BTC UTO is presented in the next article.
这个意思是说，即使商业银行和商户相互勾结，也不能跟踪DCEP的使用，换句话说就是除了DCEP的发行方（人行）外，其他的结构都无法追踪用户的购买行为。终于可以摆脱部分隐私泄露的问题了。
This means that even if commercial banks and traders collaborate, they cannot track the use of DCEP, in other words, that there are no structures that can track users’ purchases, except for the issuer of DCEP (the personal bank).
比较好理解，除了发行方以外，不能伪造假的数字货币。对于现金来说，是通过物理上的防伪手段来保证。对于DCEP来说，做法比较简单，就是只有经过央行的私钥签名的才是真的DCEP。岔开说下，之前Google暴出量子计算的新闻，币圈各种自嗨，觉得BTC会被破解，量子计算真出来了，他的攻击目标就算不是核武器，怎么也得是央行这种级别，币圈真的是太把自己当回事了。
For the DCEP, it is easier to do it only if it has been signed by a central bank’s private key. By way of contrast, Google’s previous Quantum Counting news, the currency circles, the feeling that the BTC would be cracked, the quantum count would really come out, and his attack would have to be at the central bank level if it wasn’t a nuclear weapon, and the currency circle would really take it too seriously.
支付过程是公平的，保证交易双方的交易过程要么都成功，要么都失败，更贴切的应该是满足交易原子性。
The payment process is fair, ensuring that both parties to the transaction have either succeeded or failed, and that it is more appropriate to satisfy the atom nature of the transaction.
这个表示DCEP的发行和流通环节，要尽可能的参照现金的发行与流通。
This represents the issuance and circulation of DCEPs by reference to the issuance and circulation of cash to the extent possible.
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