Digital RMB is currency
the so-called digital currency is the RMB with monetary nature issued by the central bank. The reason to accelerate the promotion of digital RMB is to make the digital RMB form an international financial pattern, improve China's financial efficiency, and bring new development opportunities in the process of development
when it comes to digital currency, you may immediately think of virtual currency such as bitcoin. In fact, there are differences between digital currency and virtual currency. Those virtual currencies are affected by too many factors, and there will be inflation or very large fluctuation of stocks. Now, digital currency has a real purchasing nature, It is the same as paper currency. It only exists in the form of paper, and the other is in the form of numbers. We must not compare it with the wallet in Alipay or WeChat, because every digital currency has its own banknote code, that is, it can trace its source and use.
in addition to the above disadvantages and advantages, there will be no inflation in the process of issuing digital currency. But it's still in the testing stage, so we'd better use paper currency or some apps to pay first
Nowadays, mobile payment is flying all over the world, especially this year's epidemic has set off an upsurge of mobile payment. We can recall how long it has been since paper RMB was used. In this environment, digital RMB emerges as the times require. Shenzhen and the people's Bank of China jointly launched the digital RMB. As a pilot, Shenzhen distributed 50000 digital red envelopes with a value of 200 yuan. 1.91 million people applied and 50000 people signed. On the same day, some citizens consumed them. What is the existence of digital RMB? Experts say it has epoch-making significance
The existence of digital RMB indicates that digital RMB has been tested from internal to external. Before that, digital RMB was only tested in the banking system, which needs a long process. It is a change from paper RMB to digital RMB, and an inevitable trend of technological change in the new era. The participation of the public this time shows that it has entered a new stage, from the internal test of banks to the pilot open test, which has laid the foundation for the comprehensive popularization in the future, and the existence is the inevitable result{ RRRRR}nowadays, it is becoming more and more intelligent. Based on the continuous improvement of electronic procts, digital RMB emerges as the times require. Although it is still in the testing stage, its existence is reasonable, and it is also the inevitable proct of the new era. As for what kind of existence digital RMB is, what are your views? Welcome to leave comments
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 different from paper money, but now digital RMB is graally in everyone's view. Before that, we used paper money. When we got the paper money in our hands, we would feel that money is real. But now, many people don't have this concept of money, and it is because of this that the lives of young people are affected
With the progress of the times and the development of society, people's life has changed a lot. In the past, our money is basically paper money, especially when we pay wages, with a thick pile of money in our hands, we are very excited. And when we use it, we are also careful. When we watch the money decrease one by one, we feel that our life can't continue after the money is used up. Therefore, many people are very careful in their life. But now the digital RMB has replaced the paper currency RMB. As long as people have a mobile phone, they will walk around the world, and they don't need to carry the paper currency Therefore, we must know how to make rational use of money, whether it's money in front of numbers or paper money. Only in this way can our life become betterDigital 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
Digital RMB is definitely a hot word this year, with a bit of mystery and depth. I believe that even today, there are still many people who do not understand, what is digital RMB? What are you doing here? How to use it
finally, this year's double 12, that is, December 12, Suzhou will issue red envelopes to Suzhou citizens through digital wallet. Compared with the red envelopes issued in Shenzhen before, Suzhou will add the offline touch function this time. Suzhou friends should not miss it