What month is the digital currency tested
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions, and it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.
the test only lasted for a few minutes, the public could not feel anything, and the test results were only known by the internal relevant personnel in fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? But just excited soon, I found that the two submenus were offline. In response, CCB said to the media: CCB has carried out relevant function test in the mobile banking system. At present, the test is over< at present, online information is the test content in the process of technology development, which does not mean that digital RMB is officially launched 
after being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that digital currency will be issued and used soon. What's the use of digital currency? Is it the same as WeChat Alipay? In this regard, Wang Jian, chief analyst of Guoxin Securities financial instry, believes that the number of Renminbi and banknotes and coins are RMB cash. Alipay, WeChat payment and so on are just a payment tool. Through these two channels, the balance of personal bank card is still used, or the credit card is being brushed, and the digital Renminbi payment is used. What we spend directly is digital RMB, just like cash
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 futurein its Research Report on CBDC, the Bank of England defines central bank digital currency as an electronic form of central bank currency, which can be used by households and businesses to make payments and store value
the Chinese version of CBDC is described as a controllable anonymous payment tool, which is issued by the people's Bank of China, operated by designated operating institutions and exchanged to the public, based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation
what we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment instruments"
response time: October 27, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An Bank I know] want to know more? Come and see "Ping An Bank I know" ~
https://b.pingan.com.cn/paim/iknow/index.html
is not online yet, but it can be put into use immediately after it is online. The digital currency of CCB a few days ago is actually a test. However, some people say that this warm-up is likely that the digital currency will be issued and used immediately. what is the use of digital currency? Is it the same as WeChat Alipay? In this regard, Wang Jian, chief analyst of Guoxin Securities financial instry, believes that the number of Renminbi and banknotes and coins are RMB cash. Alipay, WeChat payment and so on are just a payment tool. Through these two channels, the balance of personal bank card is still used, or the credit card is being brushed, and the digital Renminbi payment is used. What we spend directly is digital RMB, just like cash
However, I would like to say that although the digital RMB itself is very safe and the central bank's digital currency should also carry out anti money laundering and anti terrorist financing, we should also prevent it from being used for online gambling and any cyber criminal activitiesfirst, after China, Thailand will also test the digital currency of retail central bank next year
On April 2, an assistant president of Thailand said that the Bank of Thailand will start testing retail central bank digital currency in the second quarter of next year, and then it will be fully implemented in the next three to five years, Reuters reported. Vachira arromdee, vice president of Bank of Thailand (BOT), pointed out at a briefing that retail CBDC aims to provide convenient and safe financial services. She also said: & lt; This will not affect Thailand's financial system. Vachira arromdee pointed out that the Bank of Thailand will seek public opinions before June to develop this type of digital currency < / blockquote >
four, digital currency can monitor the context of all money
all my friends are saying that China wants to control the digital currency. Now they are desperately exchanging money for fear that it will be difficult to take money abroad in the future
also, digital currency can control the whereabouts of , for example, you can't transfer your meal money to the car selling account. I don't need to say the effect. But now we seldom use paper money, all of which are transferred with WeChat Alipay, all numbers. p>
digital currency relies too much on mobile phones, and its disadvantages are unpredictable. People's lives are always changing, which makes people feel turbulent and uneasy
according to relevant media reports, in addition to the announced "four places and one scene" (Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympics scene) pilot, digital RMB will be added to Shanghai, Changsha, Hainan, Qing, Dalian and Xi'an
the specific date will be officially announced.