Suzhou digital currency news
Nowadays, with the development of the Internet age, the era of digital currency is coming. Digital currency obviously provides convenience for people's life, and there are many advantages. However, digital currency has no advantages of real currency and no interest{ RRRRR}
Third, digital currency has no interestbut the promotion of digital currency also has certain obstacles, for example, our payment platform today, and these mobile payment also need network, once the network problems, then even can not complete the payment. However, digital currency is different, not only does it need no network, but also will not be limited by time and space, and even does not need handling charges< it's just that digital currency has no interest of real currency, which is also the case that many people are reluctant to use digital currency
In early 2014, the Central Bank of China set up a special research group on legal digital currency to demonstrate the feasibility of issuing legal digital currency by the central bank. On January 29, 2017, the central bank officially established the digital currency Research Institute. After the successful development of the prototype of legal digital currency, the digital currency Research Institute of the people's Bank of China has tried to deploy institutions in many parts of the country, and through the integration with R & D institutions and instries, it has achieved the research results of financial development technology. In 2018, the digital currency Research Institute of the people's Bank of China successively settled in Nanjing and Shenzhen. In 2019, the people's Bank of China announced that digital currency will be piloted in Shenzhen, Suzhou, Cheng and xiong'an
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the research on Shenzhen's support for digital currency began in 2016
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on October 6, 2017, the Management Committee of xiong'an new area held a special meeting to study the big data management system and mechanism and the basic idea of "digital xiong'an" construction, and fully promote the construction of "digital xiong'an". Soon after the meeting, all kinds of enterprises were inspired to build xiong'an new area into a "test ground" for innovation
on October 14, 2017, Peng Yijie, vice president of ant financial services and partner of Alibaba group, and his party went to xiong'an new area to report the blockchain construction plan. Peng Yijie's evaluation of xiong'an new area is: the best soil for building blockchain. On November 8 of the same year, xiong'an New District held a docking meeting with Alibaba group. Alibaba and ant financial services will undertake the construction of digital xiong'an blockchain infrastructure platform, and are expected to take the lead in testing the water in the rental scene
on November 23, 2017, Tencent and xiong'an new area signed a strategic cooperation agreement on financial technology, and both sides established Tencent (xiong'an) financial technology laboratory to test big data risk control system, Tencent cloud based blockchain services and other financial black technologies in the new area
on April 21, 2018, xiong'an New District of Hebei Province issued the outline of the planning for xiong'an New District of Hebei Province, which proposed to develop high-end high-tech instries, and lay out the R & D and test of blockchain, terahertz, cognitive computing and other technologies in advance. Blockchain has been written into the outline of xiong'an New District Planning in Hebei Province. A technology with advanced influence and far-reaching significance begins to grow together with a rising Digital City shouldering historical mission
on June 8, 2018, China Academy of information and communication signed a strategic cooperation agreement with xiong'an new area. The two sides will build a scientific research base in the field of information and communication in xiong'an new area, and provide comprehensive support services such as development strategic planning, standards and policy formulation for the construction of the new area, focusing on 5g, instrial Internet, artificial intelligence, blockchain, network security, military civilian integration, information technology and so on In the field of Internet of vehicles and other fields, Beijing Tianjin Hebei high tech innovation comprehensive service platform and innovation and entrepreneurship demonstration base will be built to promote instrial innovation and development
on June 28, 2018, xiong'an New Area officially signed a strategic cooperation with 360 group. 360 group will give full play to its advantages in network security, big data, artificial intelligence, blockchain and other technical fields to provide comprehensive network security services for the construction of a safe and reliable "digital xiong'an"
on July 23, 2018, xiong'an group of China signed a memoranm of understanding with consensys, a blockchain technology company. Joseph Rubin, the founder of consensys, etc., made suggestions to xiong'an group of China on how to use blockchain technology, hoping to apply his knowledge and experience in blockchain ecosystem to xiong'an's projects and support xiong'an's innovative development mode
on December 21, 2018, Hebei xiong'an branch of Bank of communications was opened. The branch will rely on the head office's professional R & D team and strong R & D strength, rely on financial business processing, artificial intelligence, blockchain, big data, cloud computing and other financial technology platforms, constantly innovate the financial business model, and make greater contributions to the construction of green xiongan, smart xiongan and digital xiongan
on May 8, 2019, ICBC Technology Co., Ltd., a wholly-owned subsidiary of ICBC, opened its business in xiong'an new area and became the headquarters of banking financial technology company in xiong'an new area. ICBC technology and Management Committee of xiong'an new area signed the memoranm of financial technology cooperation, and Management Committee of xiong'an New Area officially started the operation of xiong'an resettlement fund management blockchain platform, which will apply the block chain technology of ICBC to realize the whole process chain management of original files of resettlement and fund penetrating allocation
on December 25, 2019, Everbright Bank and digital city company of China xiong'an group will jointly build a "digital financial technology laboratory" in xiong'an new area. Guided by the strategic needs and information construction of xiong'an new area, it will graally build a highland of blockchain commercial application research, technological innovation and talent cultivation
on March 31, 2020, xiong'an blockchain laboratory was officially unveiled. Xiong'an blockchain laboratory has three major goals: to become a new highland of blockchain research and application, an open frontier innovation base, and to explore a new model of laboratory economy. At the third anniversary of the establishment of xiong'an new area, xiong'an blockchain laboratory has special significance, which marks that the innovative practice of xiong'an New Area's blockchain has entered the stage of organization and large-scale landing, and marks a new chapter in the synchronous planning and construction of digital city and physical city in xiong'an new area
xiong'an new district is a digital city forest that has been cultivated from the seed, which is naturally suitable for the central bank's digital currency pilot. Shanghai xiongan, Shenzhen, Cheng on the left and Suzhou on the right are looking forward to the central bank's digital currency pilot projects in these four places, which will spread to the world
There are also many differences between the promotion of digital currency and wechat payment. It does not have an Internet giant like Tencent, nor does it have an investment ecosystem under Tencent. Digital currency mostly cooperates with local governments. At present, digital currency prefers the offline scheme. In the three rounds of pilot projects in Shenzhen, the red packets of digital currency are only used offline, while in the pilot projects in Beijing, the red packets of digital currency are only used offline, It is also limited to offline use. At present, only Suzhou's online payment scheme has made a breakthrough. In Suzhou's digital currency pilot project, Jingdong digital currency has become the first technology company to cooperate with all six major banks, and is the pilot consumer scheme of digital currency e-commerce platform
Exploring online payment scheme is also one of the directions of the next digital currency pilot project 
although digital currency has been connected to various business schemes, they are all third-party schemes rather than proprietary business schemes if digital currency wants to break the third-party payment barriers and offline & lt; Code card & quot; For digital currency, acquiring new users is not the current challenge. How to retain users is a difficult problem in promotion. A Shenzhen citizen who won the red envelope of digital currency told time, After using the red envelope of digital currency for offline consumption, the related apps are unloaded, and no other available solutions have been found. Therefore, the biggest challenge faced by digital currency is how to achieve user retention and breakthrough in the environment of a few technology companies dominating the micro payment market, This is how to build a self operating ecosystem for the government and how to cultivate the use habits of market users
Digital RMB is different from ordinary online transactions, but the test can not reflect this difference at present, online mobile phone transactions have become the mainstream, and many people do not even carry cash. This kind of online transaction is essentially similar to the transfer service of bank card, and the transaction is the addition and subtraction of numbers
in the process of testing, many testers reflect that there is almost no difference between digital RMB and ordinary online transactions, but in essence, digital RMB is essentially different from the popular online transactions
in this test of digital RMB, the vast majority of testers did not feel the difference between digital currency and ordinary online transactions, which is a good thing. After all, if digital currency is convenient, people will use it
using digital currency can not only protect the environment and rece the consumption of paper currency, but also regulate the market better and faster. After all, the movement speed of digital currency on the network is much faster than that of paper currency