It is clear that digital currency should be carried out in quali
Yes The people's Bank of China formulates policies and safeguard 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
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digital currency is the best tool to replace cash:
fan Yifei, vice governor of the central bank, said that the central bank's digital currency focuses on replacing M0 (i.e., banknotes and coins), maintains the properties and main features of cash, and meets the needs of portability and anonymity. It will be the best tool to replace cash
Mu Changchun, director of the digital currency Research Institute of the people's Bank of China, once described such a use scenario: as long as you and I have DC / EP digital wallets on their mobile phones, we don't even need the network. As long as the mobile phone has electricity, if two mobile phones touch each other, we can transfer the digital currency in one person's digital wallet to another person. Digital money does not need to bind any bank account when it is paid, unlike WeChat and Alipay bank. p>
What does digital RMB mean when the red envelope of digital RMB officially begins to welcome the new year? According to official news, the Ministry of Commerce has issued the overall plan for the pilot project of comprehensively deepening the innovation and development of service trade, and announced the pilot areas of digital RMB. The plan is clear, and digital RMB pilot will be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China. Among them, Shenzhen, Cheng, Suzhou, xiong'an New District and other relevant departments of the future Winter Olympic Games scene will assist in the promotion first, and then expand to other regions according to the situation. This is also the first time that the central bank has made clear the pilot work of digital RMB in public documents after it proposed this month that it would actively and steadily promote the research and development of legal digital currency in the second half of the year. In fact, digital RMB is the legal digital currency issued by the people's Bank of China; DC/EP"， They are digital currency and electronic payment instruments. In short, it is the digital substitution of RMB banknote, its function and property are exactly the same as banknote, but its form is digital
Dong ximiao believes that there is no doubt that digital economy has become an important driving force and a new growth point of the global economy. In China, the added value of the whole digital economy has accounted for 1 / 3 of the whole GDP. Especially after the outbreak of the epidemic, the world pays more attention to the development of digital currency and digital economy. Therefore, central banks in various countries generally have a positive attitude towards digital currency. In 2014, the people's Bank of China began to develop the Chinese version of digital currency. With more and more testing scenarios, China's digital currency will play a key role in promoting the global digital economyDigital RMB is the legal digital currency not yet issued by the people's Bank of China, namely "digital currency electronic payment" (DC / EP). Based on the generalized account system, it supports the loose coupling function of bank account, is equivalent to banknotes and coins, and has value characteristics and legal compensation
on August 14, 2020, the Ministry of Commerce of the people's Republic of China issued the "overall plan for comprehensively deepening the innovation and development pilot of service trade", which mentioned that "digital RMB pilot projects should be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China."
on October 8, 2020, the Shenzhen Internet Information Office of Guangdong Province announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan district and in combination with the local consumption promotion policy, the Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China
digital renminbi is what
first, the most typical question is what is the difference between digital Renminbi and Alipay and WeChat payment? p> Basically speaking, digital RMB is equivalent to banknote and coin RMB, which is a legal currency with value characteristics and legal compensation. The three party Internet payment methods such as Alipay and WeChat payment mainly rely on deposit money transactions in commercial bank accounts, which is essentially a payment channel for legal tender. Digital Renminbi belongs to M0, that is, the category of cash in circulation. The money that people put in Alipay and WeChat accounts are deposits of non deposit financial institutions. They belong to the category of M2, that is, broad money. p>
CCTV reported that compared with the third-party payment tools, the use of digital RMB is more convenient:
the payment path is short: there are only two points of payer and payee, and the transaction can be completed within a few milliseconds without any third-party platform
double offline payment: when the mobile phone has power, it can spend digital RMB even if there is no network
controllable anonymity: to protect the privacy of consumers, in addition to the government departments investigating illegal transactions within the scope of authority, merchants and third-party payment platforms have no right to obtain the payment data of consumers, and consumers are free from marketing intrusion
in addition to the obvious advantages of easy use and cracking down on counterfeit money, the future implementation of digital RMB can better help the state to regulate currency circulation, fight corruption, anti money laundering, and fight crime; In terms of macro-control, it can optimize monetary policy, achieve targeted poverty alleviation, accurately support the development of real economy, and promote the internationalization of RMB
1. Enhance the function of the financial headquarters cluster area, and strive to build a more competitive regional "international financial center"
2. Enhance the function of Shenzhen Hong Kong innovation integration development engine, and strive to build a more radiant "science and technology innovation center"
3. Enhance the function of human highland and strive to build a "cultural and ecational center" with more soft power
4. Improve the function of urban reception hall and strive to build a more influential "service exchange center"
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The Ministry of Commerce announced the notice on printing and distributing the overall plan for comprehensively deepening the innovation and development pilot of service trade, in which the digital RMB pilot areas were issued. At present, digital RMB pilot areas are still "4 + 1", that is, priority is given to carry out internal closed pilot testing in Shenzhen, Suzhou, xiong'an New District, Cheng and future Winter Olympic venues, and there is no change. Relevant personnel stressed that the pilot projects of innovative development of trade in services will be comprehensively deepened in 28 pilot areas such as Beijing, Tianjin and Shanghai
What is digital RMB< p> The real use of digital currency also needs to test the theoretical reliability, system stability, risk controllability and other links . The central bank has also repeatedly stated that there is no timetable for the launch of digital RMB. However, we believe that in the near future, we will be able to use the convenient digital RMB< According to statistics, because the whole process of customer account opening is completely online, according to the relevant regulations of the people's Bank of China, this digital bank card can only realize the functions of class II card and class III card, including investment and financing, consumption, payment, etc< if you want to withdraw cash, you must go to the bank's business outlets and sign face to face before you can complete it
Since the concept of data currency was put forward, everyone has paid close attention to it, because they are very curious about what kind of currency digital currency is and how it is different from the currency we are using. In fact, the so-called digital RMB is the legal digital currency that has not been issued by the people's Bank of China; Digital currency electronic payment;, Its English name is (DC / EP, digital currency electronic payment){ RRRRR} the bitcoin or other virtual currency that we used to talk about is only circulated by the society and issued by no special state institution. It is equivalent to a virtual asset, so it is not really a real digital currency. At present, digital currency has been experimented in Shenzhen. Let's wait and see the convenience brought by digital currency
large state-owned banks are pushing digital RMB , digital RMB has a great convenience function, compared with paper money, its owner can not achieve the effect of paper money. This is also the main reason why digital currencies are so popular{ RRRRR} in addition, the central bank digital currency , is does not need account , can realize value transfer. As long as there is a DC / EP digital wallet on the mobile phone, does not need the network. As long as two mobile phones touch each other, can realize the transfer function. Specifically, the central bank digital currency does not need to pay interest , can be used in small and retail business scenarios . Therefore, the charm of digital currency is endless. As long as it is promoted, it will bring us a lot of convenience, and digital currency will be deeply favored