Expanding the scope of digital currency pilot
if we can grasp the opportunity, it is very reliable. Although digital currency still belongs to & lt; Blue ocean market;, But in fact, the concept of digital currency has been mentioned for several years . On August 29 of 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, Internet information is the testing content in the process of technology development, which does not mean that digital RMB is officially issued
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 activitieslegal representative: Wu Weijun
time of establishment: May 24, 2004
registered capital: RMB 500000
Instrial and commercial registration number: 42232400001464
enterprise type: limited liability company (invested or controlled by natural person)
address: Dajie village, Beigang Town, Tongcheng County
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
extended data
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. "
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
When you hear the word "digital RMB", do you think it is very tall? Through today's popular science, you may have a deeper understanding of it
in a word, I am looking forward to the application of digital RMB in my life in the future
The biggest significance of promoting digital currency is to bring more convenience to people, and the management of currency by the state is easier, which can eliminate the circulation of counterfeit currency to a great extent. When we go to the bank to withdraw money, it is more efficient and convenient for us to carry money. In addition, it has the function of anti-corruption. Every digital RMB will have a circulation number. If there is corruption, you can easily find out. You can also control the source of money
What is the difference between digital RMB and other payment methodsthe money deposited in digital RMB is actually money. Each RMB has its own circulation number, which is not only the form of amount. Other payment methods like the payment of UnionPay or WeChat or Alipay payment only transfer the amount to other people's mobile phone, but not the circulation of RMB. The money in the digital RMB app is equivalent to the money in the pocket. As long as it is not spent, the money in it will not be much or less. And there is money in bank Alipay WeChat, there are still some interest per day. br />
I think digital currency will bring us the following impacts:
first, different forms of expression in the past, money was the general equivalent in the sense of economics. In short, money can be exchanged for all goods. Digital currency has no physical form, which is very similar to electronic currency. The difference between the two is that money is equivalent to the deposit on the bank card, supported by real money. Digital currency is the information form of currency directly, without the support of real currency
In the past, the mobile payment market was occupied by giant payment companies. In the future, the mobile payment mode will be reshuffled according to the change of digital currency. However, the coverage of China's mobile payment is already very broad. The emergence of digital currency will not have much impact on us. The use method is not different from the existing mobile payment, and it is still a mobile payment mode{ RRRRR}
digital currency does not pay interest. It can be used in small, retail and high frequency business scenarios. It is not different from paper money, but more convenient. Digital currency will replace part of the cash, but it will not replace it completely. Paper money will be in the group for a long time. Because everyone has different payment habits, the elderly may not use digital currency, so cash payment and non cash payment will coexist for a long time
digital currency has the same legal status and security as paper money, but other mobile payments can not achieve this. After all, commercial banks are likely to go bankrupt, although the probability is very small. Digital currency is legal tender, while mobile payment is only a way of payment
moreover, mobile payment and bank card payment are all bound to the bank account system, which can not meet the requirement of anonymity, while digital currency does not need to be bound to any account, which not only ensures the property of the banknote, but also is convenient to carry, and can protect personal privacy
as long as you don't commit a crime, your privacy can be well protected. However, digital currency has just been tested and is far from mature. There are still many functions to be developed, which will be more and more convenient for our life
it will take time from successful testing to popularization, but it is only a matter of time
Digital currency is simply RMB digitization, which is not different from the paper RMB. It only needs to be used with mobile phones. But for us who have experienced the epidemic in 2020, it is no different from the ordinary electronic payment{ RRRRR}
the country is also in line with the development of the times, issuing digital RMB is to supplement RMB cash. After all, it is rare to carry paper cash when going out, and generally choose mobile electronic payment. At the same time, digital RMB is also a good way to put an end to financial crimes
it also has a great deterrent to Internet fraud, because every digital RMB has a unique number, which can fundamentally recover the money cheated by cheaters. Once the digital currency is fully implemented, it can completely eliminate Internet fraud, just like electronic payment kills thieves