RMB currency figures
Digital RMB can be as easy to circulate as cash, which is concive to the circulation and internationalization of RMB, and can also achieve controllable anonymity< On March 3, 2021, the Ministry of Commerce issued the overall plan for comprehensively deepening the innovation and development pilot of service trade, in which it was mentioned that digital RMB pilot projects should be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and central and western regions. The people's Bank of China formulates policy guarantee measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate.
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
Digital RMB is legal tender with unlimited legal compensation. Unlike the three party payment tools such as WeChat Alipay, the use of digital Renminbi can be completed without binding the bank account. p>
in transaction payment, no unit or indivial can refuse to accept digital RMB. To make payment more convenient while ensuring safety is the first consideration of digital RMB. The central bank's digital currency DC / EP adopts a two-tier operation system. The people's Bank of China issues digital currency directly to the public
In the two-tier operation system, the people's Bank of China first exchanges digital currency to banks, and then these institutions exchange digital currency to the public. So it seems that your salary should be paid to the bank account first, and then converted into digital RMB extended information:
the introction of digital RMB is as follows:
it is mainly used in the high-frequency business scenario of small retail. It adopts a two-tier operation system. The central bank first exchanges the digital currency to banks or other operating institutions, and then these institutions exchange it to consumers. It is understood that digital RMB is not a virtual currency, nor an online payment or e-wallet, but a legal digital currency issued by the central bank based on national credit
for financial innovation, it can not be completely realized. In this case, the relevant representatives of the central bank put forward the relevant contents of digital RMB and pointed out that the era of digital RMB is coming
The standard words of RMB in capital:
one, two, three, four, five, six, seven, eight, nine, ten, ten, ten, ten, ten, ten, ten, ten thousand, hundred million, yuan, Jiao, Fen, zero, whole (positive)
Annex I of the people's Bank of China's settlement and payment measures: basic provisions for correctly filling in bills and settlement vouchers
Bank All kinds of bills and settlement vouchers filled in by units and indivials are the important basis for handling payment settlement and cash receipt and payment, which is directly related to the accuracy, timeliness and safety of payment settlement. Bills and settlement vouchers are the accounting vouchers used by banks, units and indivials to record accounts. They are a kind of written proof to record economic business and clarify economic responsibilities. Therefore, to fill in bills and settlement vouchers, we must be standardized and standardized, with complete elements, correct numbers, clear handwriting, good omission and no scribble, so as to prevent alteration
1. In Chinese, the amount in words should be filled in block letters or running script, such as one (one), two (two), three, four (four), five (five), six (six), seven, eight, nine, ten, million, ten thousand, ten thousand, hundred million, yuan, Jiao, Fen, zero and whole. It is not allowed to use one, two (two), three, four, five, six, seven, eight, nine, ten, Nian, Mao, another (or 0) to fill in, and it is not allowed to make simplified words. If the amount of figures written in traditional Chinese characters, such as two, six, billion, million, yuan, should also be accepted
2. If the amount in Chinese is up to yuan, the whole (or positive) words should be written after yuan, and the whole (or positive) words may not be written after Jiao. If the amount in words is divided, the whole (or positive) words shall not be written after the points
3. The amount in words in Chinese should be marked with the words of RMB, and the amount in words should be filled in immediately after the words of RMB, and there should be no blank. If RMB is not printed before the amount in words, three words of RMB shall be added. Fixed words of thousand, hundred, hundred, ten thousand, thousand, Bo, Shi, yuan, Jiao and Fen shall not be pre printed in the capital amount column of bills and settlement vouchers
4. When there is 0 in Arabic small amount, Chinese capital should be written in accordance with the rules of Chinese language, the composition of amount and number and the requirements of preventing alteration
5. In front of the Arabic small amount figures, the sign ￥ (or initialed:) should be filled in. The Arabic figures in figures should be filled in carefully, and should not be hyphenated and indistinguishable
6. The date of the bill must be written in Chinese. In order to prevent the alteration of the date of issue, when filling in the month and day,
(1) if the month is one, two and ten, and the day is one to nine and ten, twenty and three, zero should be added before it
(2) if the date is from eleven to nineteen, one shall be added before it. For example, January 15 should be written as January 15. Another example is October 20, which should be written as October 20
7. If the date of issue of the bill is written in lowercase, the bank will not accept it. If the date in words is not filled in according to the requirements, the bank may accept it, but if the losses are caused, the drawer shall bear the losses by himself
< H2 > reference materials: settlement and payment method - People's Bank of China
Digital RMB is issued by the people's Bank of China. It is legal tender in digital form, with value characteristics and legal compensation. Digital RMB is equivalent to banknotes and coins. Digital RMB can buy everything banknotes can buy; Paper money can be exchanged for foreign currency, digital RMB can also be exchanged
RMB includes physical form and digital form, which provides legal basis for China to issue digital currency. It is illegal to issue digital tokens in China -- no unit or indivial is allowed to make or sell token tickets or digital tokens to replace RMB in the market
expansion data:
digital RMB and WeChat payment, Alipay and other payment tools:
Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, explains that WeChat payment and Alipay are financial infrastructure and "purse"; Digital RMB is a payment tool and the content of "wallet". After the issuance of the digital renminbi, you can still use WeChat payment and Alipay payment, but only the contents of the "wallet" have increased the central bank's currency. p>
after the introction of digital RMB, its exchange will be free. The people's Bank of China (PBOC) establishes a free value transfer system and financial infrastructure of digital RMB, and does not charge circulation fees from the issuing layer. Commercial banks also do not charge customers service fees for the exchange and return of digital RMB
The first two English letters are called Guanzi, and the last eight Arabic numerals are called numbers
crown: there are 26 English letters without V and 25 more. There are ten groups from a to j, five groups from klmno, and ten groups from P to Z. These three groups are allocated to each other, perhaps from one group to another, forming nine groups. The batch of RMB printing is in accordance with the order of large group
number: from 00000001 to 100000000 (note eight zeros), there are 100 million copies
extended data
except for 1, 2 and 5 coins, the first set, the second set and the third set of RMB have been withdrawn from circulation, and the fourth set of RMB has been withdrawn from circulation since May 1, 2018. The RMB circulating in the market is the fifth set of RMB; The paper currency in circulation are: 1,5 Jiao, 1,5,10,20,50,100 yuan; There are one dime, five dimes and one yuan in coins
among the five sets of RMB displayed in the China Coin Museum, different from the last four sets, the arrangement of the six characters "people's Bank of China" and the denominations of Chinese characters in the first set of RMB (except for the 1953 version of the 5000 yuan Weihe bridge design voucher) is from right to left, while Chairman Mao proposed that the row names of RMB should be arranged from left to right in 1952, The arrangement of "people's Bank of China" on the RMB has been changed from left to right
RMB has ushered in great changes in the past 72 years. The Ministry of Commerce recently issued the "overall plan for comprehensively deepening the innovation and development pilot of service trade", in which the pilot areas and use scenarios of digital RMB have aroused concern. Both paper RMB and digital RMB will have a huge impact on economy and politics. What is digital RMB? What is the impact on our lives? This issue fx110 Huihun a picture takes you to understand