Consumption voucher belongs to digital currency
The digital currency of the central bank is DCEP
the name of the digital currency developed by the central bank is DCEP (digital currency electronic payment). DC is digital currency. EP is electronic payment. Payment transmits digital things through a certain way, not paper currency. Therefore, electronic payment itself has the attribute of digital currency
The characteristics of digital currency are: low transaction cost; Fast trading speed; Highly anonymous
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Application of digital currency
I. fast, economic and safe payment and settlement
cross border payment helps RMB internationalization. In 2015, the settlement volume of cross-border payment involving current account is about 8 trillion yuan. To accelerate the internationalization of RMB, cross-border payment and settlement procts and solutions with low cost, high efficiency and low risk are needed
At present, there are still a lot of repetitive human work in the bank's electronic loan process and processing process, and as the basic support of loan issuance, many of the collateral has the situation of false pricing or multiple or even no collateral. We can consider using digital currency to price and track bank collateral:3. Bill finance and supply chain finance
in recent years, various bill market businesses based on commercial bills have grown rapidly, and bill financing procts have become a hot area of Internet financing. However, about 70% of the current bill businesses in China are still paper transactions, Supply chain finance is also highly dependent on labor costs
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network digital currency
Suzhou has issued 20 million yuan of digital RMB consumption red envelopes. In fact, it is not only Suzhou. Hangzhou, Shenyang and other cities have also issued digital red envelopes early to stimulate residents' consumption. The usage of this red envelope is also very simple. This consumption coupon is usually grabbed on Alipay platform, and after grabbing the Alipay consumer coupon, people can consume in any physical store. As long as a province has launched a consumer coupon, basically all the physical stores can use coupons, including the vegetable market, supermarkets and convenience stores and restaurants. , these consumer coupons are not large enough. Therefore, it is generally used for daily consumption. With the consumption voucher, the consumption demand of the public will also be greatly increased. many people may not want to buy things originally, but because the consumption voucher can be much cheaper, they will spend extra money{ RRRRR}
when you are using consumer coupons, must first click on the Alipay card pack, find the coupons you want to use, and then click on the consumption coupon to select ". To use & quot;, Then let the merchant scan your payment code, so that you can correctly use the coupon the coupons must be used within the specified time, otherwise they will be expired. Generally, the validity period of coupons issued once a month is one month, and that of coupons issued once a week is one week, so we must pay attention to the validity period
It belongs to the fiscal policy of the government's macro-control economic means
as a special voucher or payment voucher issued in a special period, the consumption voucher issued by the government can boost consumption by increasing people's purchasing power and consumption desire, thus driving the growth of proction and investment and accelerating economic recovery
"consumption vouchers stimulate consumption and release consumption demand through subsidies." Zhao Ping, director of the International Trade Research Department of the Research Institute of CCPIT, said that from past experience, there will be a rapid growth of consumption in the key areas supported by consumption vouchers in the short term
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guidance of the Ministry of Finance on standardizing the administration of the issuance and use of local government consumption vouchers
financial departments (bureaus) and competent commercial departments of all provinces, autonomous regions, municipalities directly under the central government and cities with separate planning:
in order to standardize the administration of the issuance and use of local government consumption vouchers, give full play to the role of government consumption vouchers in stimulating consumption, expanding domestic demand According to the budget law of the people's Republic of China and other laws and regulations, the following guiding opinions are put forward
1. The term "local government consumption voucher" as mentioned in these Guidelines refers to the valuable payment voucher for exchanging goods (or services) arranged and issued by local governments at all levels in their own budgets (including the current year's budget revenue and the previous year's budget fund balance)
Second, local governments at all levels should issue government consumption vouchers with the name of the government of their own administrative region and indicate their purposes. For example: ×× Province (or ×× City ×× People's Government coupons ×× Shopping voucher (or ×× Food stamps ×× Training vouchers, etc.). At the same time, the use period and starting date of the consumption coupon should be indicated Third, local governments at all levels should make clear the competent departments or undertakers for issuing government consumption vouchers. The relevant departments of local governments at all levels shall undertake the corresponding management work within the scope of their functions and responsibilities as stipulated by the governments at the corresponding levels. Financial departments should strengthen the supervision and management of financial budget according to the division of responsibilities source of reference: Internet - Guidance of the Ministry of Finance on standardizing the administration of the issuance and use of local government consumption vouchers
it is recommended to understand the rules of the activity first and see who contributed.
at present, China actively advocates the development economics of promoting economic growth by consumption, and the significance of consumption is self-evident. Statistical data show that consumption accounts for about 60% of GDP in 2019, which has been the first driving force of economic growth for six years, an increase of 8% over the previous year. In the first two months of this year, affected by the epidemic, the total retail sales of social consumer goods decreased by 20.5% year on year. The impact of the epidemic not only depressed consumption, but also had a great negative impact on the consumption and operation of small and medium-sized enterprises, especially in the third and fourth tier cities. Therefore, it stimulated consumption and promoted distribution flow, It is fundamentally related to the growth point of sustainable development and people's well-being
2? Where does the money come from? Who can get it
the issuance of consumption vouchers is different from cash transfer distribution, but as a way of subsidy, the ultimate effect of consumption vouchers must be generated through consumption. So where does the money come from? Fundamentally speaking, the money supporting consumption vouchers belongs to fiscal expenditure, and belongs to the means of fiscal policy in economic regulation. To put it simply, first print money and then give it to the people to spend it quickly. Printing money itself is to borrow money from the people. Because people create more wealth in the transaction process, the government can make up for this expenditure through taxation and other means, and maintain stability in a certain time and space. Therefore, the significance of consumption vouchers is to promote the current consumption, At the same time, e to the use of consumer vouchers with its own scene, it can play the role of targeted subsidies. Due to the special nature of the subsidy, in the period of economic problems, the consumption voucher generally gives priority to the people whose consumption ability is greatly affected. At the same time, in the use scenario of consumption voucher, it also generally considers the catering, entertainment and other short-term effective scenarios, with the most affected catering and entertainment service operators as the end of the subsidy. Some consumption vouchers are negotiated between the government and enterprises, so enterprises will also benefit consumers< 3. The practical experience of issuing consumption coupons
e to the strong purpose of consumption coupons, on the one hand, they play the role of targeted subsidies, on the other hand, they hinder the actual utility. As early as in the financial crisis, the practice of issuing consumption coupons at home and abroad has achieved certain results. After the financial crisis, Hangzhou issued tourism consumption vouchers as an example. In order to promote tourism, Hangzhou used consumption vouchers, which set the threshold of 40 to 10 and limited to some scenic spots in some periods. The follow-up research shows that some scenic spots did not fully consider the use of scene restrictions and the distance effect, which affected the actual utility. Therefore, as a financial means, the use of consumption vouchers should be strengthened, The establishment of consumption voucher rules is a technical activity, and more importantly, effective supervision should be carried out in the implementation process to prevent corruption. Therefore, the means of consumption voucher need to be continuously optimized and improved in practice< At present, it is reported that more than 30 places, such as Nanjing, Jinan and Ningbo, have launched different forms of consumption vouchers according to their own conditions. From the perspective of policy-making, it is far less difficult for local governments to formulate and implement policies that are suitable for local situations than for the whole country, and the occurrence probability is relatively high, At the same time, the effect of consumption voucher on economic development lies in its short-term rapid development. Therefore, when you get the consumption voucher, you must remember to spend it quickly. As long as the economy is prosperous, more jobs and jobs will be created, which will bring about a cycle of conscience.