Suzhou digital new currency
Suzhou will launch the red envelope test of digital RMB, which is expected to appear in the future. However, it is very difficult to really occupy the market, or even replace the mobile payment, because although digital RMB is different from traditional mobile payment, it is still realized with the help of electronic carriers such as mobile phones{ RRRRR}
fully comply with the law of the market, that is to see which way can better meet the needs of consumers, because the market is like this, which is more convenient for customers and more attractive for customers, he chooses which one. As for the emergence of mobile payment for so many years, we are used to it, also did not find any big problems, nothing more than to make more adjustments in the flow of consumption funds, and there is still a long way to go for digital RMB
May. Digital RMB does not need to rely on the network system when it makes payment. Therefore, the cost of payment will be lower. To a large extent, it may further enhance the convenience of payment and even the future universality of digital RMB. Moreover, digital RMB has the characteristics of legal compensation, that is to say, all public and private debts in our territory, any creditor, at any time, should not refuse to accept our digital currency, digital RMB, for any reason
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support loose coupling of bank account
support loose coupling of bank account means that you can open a digital RMB wallet without a bank account
for some people in rural areas or remote mountainous areas, overseas tourists, etc., who can not or are inconvenient to hold bank accounts, they can also enjoy corresponding financial services through digital wallet, which is helpful to realize inclusive finance
1. Digital RMB is not based on the account, as long as the digital currency app is downloaded from the mobile phone, and wechat change can only be used after logging in to personal wechat
Second, digital RMB can be paid without network, and wechat change can only be traded with network Third, digital RMB is the currency issued by the state with the same value as banknotes and coins, which is endorsed by the state, while wechat change is a third-party payment tool, which is controlled by enterprises with different degrees of risk{ RRRRR} digital currency can improve the state's supervision of fundsin addition, digital currency can improve the state's supervision of funds, where the money comes from and flows to will be clearly marked, the state will be more relaxed in supervision, money laundering may become more and more difficult, and the national property security will be further protected
According to "Suzhou release", citizens participating in the lottery of digital RMB consumption red packets need to search the "Suzhou" app in android app market or Apple App store, download and register in real name, log in to the app, make an appointment, and independently choose personal digital RMB to open a bank, The participating citizens can pay attention to the "Suzhou" app information and wait for the draw it is worth noting that this time, we can only open the digital RMB wallets of six banks, namely, instrial bank, agricultural bank, China Construction Bank, transportation bank and postal savings bank. According to the regulations, the digital RMB consumption red packets are issued to the digital RMB wallets opened by indivials according to the requirements, which can be consumed directly without binding a bank card extended data usage rules after consumers apply, data preparation and lottery will be completed from 0:00 on December 7 to 24:00 on December 10; On December 11, the winning result will be announced. At that time, the organizer will push the winning staff to receive the SMS and download the link. The winning staff can download the "digital RMB app", open a wallet and receive the red envelope; From 20:00 on December 11 to 24:00 on December 27, the red envelope becomes effective and can be used; From 0:00 on December 28, unused red packets will be recycled period, if the consumer has a refund transaction, the system will give priority to refund the RMB amount paid by the consumer, and then refund the amount of the digital RMB consumption red envelope. If the refund transaction occurs after the expiration date of the red envelope, the RMB amount paid by the customer will be returned normally, and the part of the red envelope will not be returned to the customer's digital RMB wallet
Suzhou 20 million digital RMB & lt; Shopping red envelope & quot; Start to make an appointment, which people are eligible to receive it
1. What is digital RMB; Shopping red envelope< p> Digital RMB is a kind of currency relative to our ordinary RMB. It is issued by the people's Bank of China. Now it is generally in the form of red envelopes for shopping. In fact, this kind of currency is not very different from ordinary paper money, but the most important feature is that it can appear in the form of virtual currency, Shenzhen city began to carry out the pilot of digital RMB red packets, and issued nearly 10 million yuan red packets. This time, the 20 million yuan shopping red packets in Suzhou are also for the pilot of digital RMB, but the way adopted is lottery, so everyone has the opportunity to receive them
and the payment and use of digital RMB do not need to go through the network, just need to touch or connect, which also solves the convenience of many retail vendors
Since the development of mobile payment in China, more and more people begin to use mobile payment, they have not completed the transaction through cash for a long time< in order to ensure that all residents have a full understanding of cash, China has carried out digital RMB. Most people will confuse digital RMB with online payment. In fact, the two terms belong to different concepts. Digital RMB refers to the conversion of real RMB into digital RMB by some means. Mobile payment needs to transfer the payment amount from your mobile phone through the third-party platform. If your mobile phone has no network, you can't complete the network transaction