Is digital RMB a new currency
the so-called digital currency is the RMB with monetary nature issued by the central bank. The reason to accelerate the promotion of digital RMB is to make the digital RMB form an international financial pattern, improve China's financial efficiency, and bring new development opportunities in the process of development
when it comes to digital currency, you may immediately think of virtual currency such as bitcoin. In fact, there are differences between digital currency and virtual currency. Those virtual currencies are affected by too many factors, and there will be inflation or very large fluctuation of stocks. Now, digital currency has a real purchasing nature, It is the same as paper currency. It only exists in the form of paper, and the other is in the form of numbers. We must not compare it with the wallet in Alipay or WeChat, because every digital currency has its own banknote code, that is, it can trace its source and use.
in addition to the above disadvantages and advantages, there will be no inflation in the process of issuing digital currency. But it's still in the testing stage, so we'd better use paper currency or some apps to pay first
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 futureNowadays, mobile payment is flying all over the world, especially this year's epidemic has set off an upsurge of mobile payment. We can recall how long it has been since paper RMB was used. In this environment, digital RMB emerges as the times require. Shenzhen and the people's Bank of China jointly launched the digital RMB. As a pilot, Shenzhen distributed 50000 digital red envelopes with a value of 200 yuan. 1.91 million people applied and 50000 people signed. On the same day, some citizens consumed them. What is the existence of digital RMB? Experts say it has epoch-making significance
The existence of digital RMB indicates that digital RMB has been tested from internal to external. Before that, digital RMB was only tested in the banking system, which needs a long process. It is a change from paper RMB to digital RMB, and an inevitable trend of technological change in the new era. The participation of the public this time shows that it has entered a new stage, from the internal test of banks to the pilot open test, which has laid the foundation for the comprehensive popularization in the future, and the existence is the inevitable result{ RRRRR}nowadays, it is becoming more and more intelligent. Based on the continuous improvement of electronic procts, digital RMB emerges as the times require. Although it is still in the testing stage, its existence is reasonable, and it is also the inevitable proct of the new era. As for what kind of existence digital RMB is, what are your views? Welcome to leave comments
Digital 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
Digital RMB is legal tender with unlimited legal compensation. Unlike the three party payment tools such as WeChat Alipay, the use of digital Renminbi can be completed without binding the bank account. p>
in transaction payment, no unit or indivial can refuse to accept digital RMB. To make payment more convenient while ensuring safety is the first consideration of digital RMB. The central bank's digital currency DC / EP adopts a two-tier operation system. The people's Bank of China issues digital currency directly to the public
In the two-tier operation system, the people's Bank of China first exchanges digital currency to banks, and then these institutions exchange digital currency to the public. So it seems that your salary should be paid to the bank account first, and then converted into digital RMB extended information:
the introction of digital RMB is as follows:
it is mainly used in the high-frequency business scenario of small retail. It adopts a two-tier operation system. The central bank first exchanges the digital currency to banks or other operating institutions, and then these institutions exchange it to consumers. It is understood that digital RMB is not a virtual currency, nor an online payment or e-wallet, but a legal digital currency issued by the central bank based on national credit
for financial innovation, it can not be completely realized. In this case, the relevant representatives of the central bank put forward the relevant contents of digital RMB and pointed out that the era of digital RMB is coming
Digital RMB is issued by the people's Bank of China. It is legal tender in digital form, with value characteristics and legal compensation. Digital RMB is equivalent to banknotes and coins. Digital RMB can buy everything banknotes can buy; Paper money can be exchanged for foreign currency, digital RMB can also be exchanged
RMB includes physical form and digital form, which provides legal basis for China to issue digital currency. It is illegal to issue digital tokens in China -- no unit or indivial is allowed to make or sell token tickets or digital tokens to replace RMB in the market
expansion data:
digital RMB and WeChat payment, Alipay and other payment tools:
Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, explains that WeChat payment and Alipay are financial infrastructure and "purse"; Digital RMB is a payment tool and the content of "wallet". After the issuance of the digital renminbi, you can still use WeChat payment and Alipay payment, but only the contents of the "wallet" have increased the central bank's currency. p>
after the introction of digital RMB, its exchange will be free. The people's Bank of China (PBOC) establishes a free value transfer system and financial infrastructure of digital RMB, and does not charge circulation fees from the issuing layer. Commercial banks also do not charge customers service fees for the exchange and return of digital RMB