Photos of RMB digital currency
Now there are five versions of RMB, and both the fourth and fifth versions have a face value of 100 yuan. The fourth edition of RMB 100 is divided into 80 and 90 editions, and the fifth edition is divided into 1999 and 2005 editions. As shown in the figure below
the fourth edition of RMB 100
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data expansion:
the issuance of RMB is that the people's Bank of China puts the issuance fund into the business library through the issuance library, so that part of the money can enter the circulation field
the currency issuance of the people's Bank of China is mainly realized through the cash collection and payment business activities of ordinary banks. A commercial bank must open a deposit account with the people's Bank of China to deposit and withdraw money. The people's Bank of China handles cash deposit and withdrawal business with commercial banks ring business hours
when commercial banks deposit or withdraw cash from the people's Bank of China, they should take the opening commercial bank as the unit; The cash of the subordinate departments (offices) of the opening commercial banks shall be transferred by the opening commercial banks to the people's Bank of China
when the cash at the grassroots bank is insufficient, the commercial bank should fill in the cash check and withdraw the cash from the balance of its deposit account at the local people's Bank, so the RMB is transferred from the issuing bank to the business bank of the grassroots Bank of the commercial bank, which means that this part of RMB enters the circulation field. When the cash at the basic level bank of a commercial bank exceeds the inventory limit of its business warehouse, the commercial bank shall fill in the cash payment form for the excess and send it to the people's Bank of China. The entry of this part of RMB into the issuing treasury means withdrawal from circulation
reference link: Web page link
Data RMB has begun to enter people's lives, and digital currency will completely change people's lives in the following aspects:
finally, digital RMB will also facilitate the use of the elderly and other special groups for the elderly and those who exclude the use of intelligent terminals, the central bank should consider more non-contact and passive payment means in digital currency, facilitate the payment and settlement of the group by brushing face, fingerprinting and other means, set certain rules for dection and settlement by taking the settlement account as the child's sub account, so as to facilitate the elderly and provide information to their children at the same time. Similar experience should be not only from the payment link, but also from the perspective of software color, font size and human-computer interaction psychology
the functions and properties of digital currency are exactly the same as paper money, but its form is digital
what is digital currencyyou can imagine such a scenario: as long as you and I have central bank digital wallet on the mobile phone, we don't need the network. As long as the mobile phone has power, two mobile phones touch each other, and we can transfer the digital currency in one person's digital wallet to another person. In other words, when you pay, you don't need to bind any bank account. Unlike us now using WeChat or Alipay, we need to bind a bank card, but the central bank does not need digital money. Unless, of course, you want to recharge your digital wallet, or you want to withdraw money from your digital wallet to manage your finances. In addition, the mutual transfer between users does not require account binding. This means that digital money can circulate like paper money, and you can simply interpret it as a digital alternative to paper money
first of all, in order to protect our currency sovereignty and legal currency status, we need to take precautions
secondly, the costs of issuing banknotes and coins, printing, recycling and storage are very high, and some costs have to be invested in anti-counterfeiting technology. There are many levels of circulation system, and it is not convenient to carry them. Now no one is willing to bring cash. At the same time, the public actually has the demand for anonymous payment, but the current payment tools, such as Internet payment and bank card payment, are tightly bound with the traditional bank account system, which can not meet the demand of anonymity, and can not completely replace the cash payment, that is, paper money payment
therefore, the central bank's digital currency can solve these problems. It can not only maintain the properties and main value characteristics of cash, but also meet the requirements of portability and anonymity