Closed pilot of RMB digital currency
Hello, where are the first batch of pilot cities of the central bank's digital currency? Do you think they are well deserved super first tier cities "Beijing, Shanghai, Guangzhou and Shenzhen"? I want to tell you that it's not all right. Except Shenzhen, the other three cities are Cheng, Suzhou and xiong'an new area. At present, Shenzhen is the earliest city to launch digital currency. On October 9, Shenzhen issued 10 million digital currency. 50000 people, 200 yuan per person, can enjoy the welfare, which is distributed to everyone free of charge through the way of wagging number. Here, I can only envy you. The implementation of digital currency is so fast. The friends in the pilot cities are lucky. I just want to watch you win the lottery
the first batch of pilot cities are selected in these four cities, which is the first step for digital currency to go to the whole country. When it matures in the future, it will be promoted to more pilot cities. So don't worry, just wait. Even if our city is not a pilot, it doesn't matter. Next time it will be our city. The pilot is just to test the stability of the system, and we don't have a great chance to get the red envelope of digital currency. There are so many people in Shenzhen, and only 50000 numbers are selected. Here we would like to express our support and thanks to the cities selected as the pilot cities of digital currency
Digital RMB is a legal digital currency issued by central banks based on national credit. It is a non cash currency existing in the market. It can be easily circulated like cash, and it can also achieve controllable anonymity, which is closely related to business; virtual currency & quot; It's not the same as mobile payment
according to the latest news from China's Ministry of Commerce, the central government has promoted the implementation of digital RMB. Digital people have such advantages as transferring money without network , carrying no cash Digital RMB will be used in Beijing, Tianjin, Shanghai, Chongqing (Fuling District and other 21 municipal districts), Hainan, Dalian, Xiamen, Qing, Shenzhen, Shijiazhuang, Changchun, Harbin, Nanjing, Hangzhou, Hefei, Jinan, Wuhan, Guangzhou, Cheng, Guiyang, Kunming, Xi'an, Urumqi, Suzhou, Weihai, xiong'an new area of Hebei, Gui'an new area of Guizhou Shaanxi Xixian new area and other 28 provinces and cities (regions) to carry out the pilot
The full name of digital RMB is & lt; Digital money electronic payment & quot DC / EP (digital currency electronic payment) is a kind of payment tool based on various existing bank accounts, which has the same value as ordinary banknotes and coins and can be used for payment or other economic activities. At present, the people's Bank of China is still in the pilot stage and has not been officially issued
According to the report of reference news, the people's Bank of China has concted a small-scale internal test on digital RMB in Suzhou, and many Suzhou civil servants have received the salary in the form of digital RMB. According to the plan, in the future, it will be promoted in Shenzhen, Cheng, Suzhou, xiong'an new area and other places as well as relevant departments of the future Winter Olympics scene, and then extended to other regions as appropriate. It is believed that digital RMB will be popularized in the near futureDigital currency is just a trend and a challenge. The main feature of central bank digital currency is that it is legal tender issued by the central bank and has the same function as RMB on paper money. In fact, the central bank's digital currency is first exchanged by the central bank to banks or other operating institutions, and then by these institutions to the public, In terms of strengthening the function of global resource allocation, this is to continue to promote the expansion of the financial instry, open to the outside world, continue to gather a number of functional and headquarters institutions, and promote the development of the financial instry
Users who promote trade innovation and development, vigorously develop new business models and offshore trade online payment methods are relatively sticky, although people can tolerate new things, digital currency should not proce e-money payment in the short term; Impact & quot Looking forward to the long-term future, the implementation of digital currency can play a positive role in tracking abnormal transactions or exploring financial risks. The transaction data generated by digital currency is likely to be incorporated into the personal customer data system. Financial institutions can use big data analysis to accurately outline customer profiles and further tap customer value, The precipitation of these data can also provide the government with effective decision-making basis, realize the wise government and improve work efficiency
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
The main differences between digital RMB and electronic payment are as follows:
1. Digital currency belongs to legal currency, while electronic payment is only a means of payment
in fact, digital currency is the legal currency of our country, which is exactly the same as the paper currency used in our daily life
but the existence of digital currency is electronic, not paper money
but electronic payment is not money, just a means of payment. Alipay, WeChat and other payment methods, they are only legal tender payment. P>
two, digital money supports RMB account loosening lotus function
from the intuitive perception of consumers, using central bank digital money to pay and use WeChat and Alipay payment, experience is not very different. But it's different in nature. WeChat and Alipay are only payment tools. The two channels still use the balance of personal bank cards. Digital currency is the legal currency in the form of digital issued by the people's Bank of China, which has the characteristics of currency stability and security, and is equivalent to cash. Moreover, digital RMB has the nature of legal compensation, and can pay all public and private debts in China. No unit or indivial can refuse to accept it when they have the conditions to accept it. Moreover, digital RMB supports al offline payment. Even when both parties are offline, digital people can pay like paper money. For example, when two people's mobile phones have personal digital wallets, even when there is no signal or network, a series of operations such as transfer and payment can be completed by touching two mobile phones
compared with traditional banknotes and coins, they are easy to be forged anonymously, and have the risks of money laundering and terrorist financing. On the one hand, digital RMB can keep the property of cash, while meeting the needs of portability and anonymity; On the other hand, the people's Bank of China can grasp the full amount of information, analyze the transaction data and capital flow by using big data, artificial intelligence and other technologies, prevent and crack down on money laundering, terrorist financing, tax evasion and other illegal and criminal acts, and effectively maintain financial stability