Digital currency Dalian
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
the functions and properties of digital currency are exactly the same as paper money, but its form is digital Mu Changchun, director of the digital currency Research Institute of the central bank, said that the central bank's digital currency is a digital alternative to paper money, that is, digital currency and electronic payment tools. If we regard the digital currency issued by the central bank as digital RMB cash, we can understand the concept of digital currency very well
Mu Changchun once described such a use scenario: as long as you and I have DC / EP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has electricity and 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>
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), and maintains the properties and main features of cash, which meets the needs of portability and anonymity, and will be the best tool to replace cash
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Digital RMB will be carried out in Beijing, Tianjin and Hebei and other places
the notice on printing and distributing the overall plan for comprehensively deepening the innovation and development of service trade was released on the official website of the Ministry of Commerce on the 14th, which announced the pilot areas of digital RMB
the reporter noted that Article 93 "comprehensively deepen the pilot tasks, specific measures and division of responsibilities for innovative development of trade in services" proposes to carry out digital RMB pilot projects in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China
according to the notice, the people's Bank of China has formulated policy 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
the pilot areas for comprehensive deepening are Beijing, Tianjin, Shanghai, Chongqing (21 municipal districts including Fuling District), 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 District of Hebei, Gui'an New District of Guizhou Shaanxi Xixian new area and other 28 provinces and cities (regions)
Digital currency, I believe you are no longer unfamiliar. With the continuous implementation of the use of digital currency, digital currency has been graally integrated into the society. In the near future, digital currency is likely to replace paper money. In fact, the so-called digital RMB refers to the legal digital currency not yet issued by the people's Bank of China; Digital money electronic payment & quot DC/EP,Digital Currency Electronic Payment{ RRRRR} although digital currency pilot is only carried out on a small scale now, we believe that digital currency will be closely related to our life and we will not be separated from digital currency before long
Li Bin, director of the macro Prudential administration of the people's Bank of China, disclosed on April 12 that the pilot test of digital RMB will be launched successively in Shenzhen, Suzhou, xiong'an new area, Cheng and the future Winter Olympics scenarios by the end of 2019, and six pilot test areas will be added in October 2020, including Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian at present, the pilot scope of digital RMB has been expanded in an orderly way, and the application scenarios are graally enriched
the number of participants, the number of transactions and the exchange amount of digital RMB pilot test are generally small, and the use scenarios cover many fields, such as living expenses, catering services, transportation, shopping and consumption. At present, digital RMB is generally in the pilot test stage, and there is no timetable for its official launch
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status is equivalent to cash RMB
according to the official definition, digital RMB is the legal tender in digital form issued by the people's Bank of China, which is operated by the designated operating institutions and exchanged to the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, and is equivalent to banknotes and coins. In other words, digital RMB can be simply equivalent to cash RMB, only in different forms, but with the same legal compensation as cash
legal compensation means that any unit or indivial can not refuse to pay all public and private debts in China with digital RMB. For the compensation, the central bank's digital money research institute director Mu Changchun has a more popular explanation in the "get" course. "We see that now the private payment agencies or platforms will set up various payment barriers. WeChat can't use Alipay anywhere, and Alipay can't use WeChat. But for the central bank's digital currency (Digital RMB), as long as you can use electronic payment, you must accept the central bank's digital currency. "
In today's technology environment, especially in China, there are very good technologies in many payment fields. Especially after several financial payment procts or platforms launched by Tencent and Alibaba, they are also a way of payment that helps many Chinese enterprises. These also bring a lot of convenience to the people of the whole country
we also hope that RMB can continue to develop all over the country in the next few years, which is not only the continuous improvement of China's international status, but also reflects China's scientific and technological progress, which is a new model for financial security procts, and also hopes that other countries can use it for reference to promote the development of global finance
From the end of 2019, digital RMB has been tested in Shenzhen, Suzhou, xiong'an New District, Cheng and the future Winter Olympics. Besides,
you have to pay the tax if you use your spare time to earn money. Anyway, I can't hide money
actually, now you use WeChat Alipay to collect money, don't the country know? I'm just too lazy to check
digital currency certainly has these functions, which is very difficult for large-scale money laundering in the future. For ordinary people, the state doesn't care about you
, and it is more powerful than AI, 5G and so on. Combining the two areas is a powerful weapon for the internationalization of RMB. Its purpose is to end the hegemony of the US dollar
six pilot test areas will be added to the digital RMB, which are Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian. this is another new area after Shenzhen, Suzhou, xiong'an New District, Cheng and the future Winter Olympic test sites. There are two main reasons why these areas will be added, First, since the digital RMB pilot project, the effect is not ideal. The number of participants, the number of transactions and the amount of money involved in the digital RMB test are not many. Although the relevant parties are actively implementing the digital RMB test, the results are somewhat unexpected; 2、 After the implementation of relevant pilot sites for a period of time, adding some pilot sites can achieve a graal process and lay a better foundation for the real arrival of digital RMB{ RRRRR}
although Alipay and WeChat pay are really convenient for our life, many of them are in the form of charges, and there will be no such fee in the future when digital money arrives. p>