Double 12 digital currency Suzhou
Fourth, in terms of financial services, it mainly refers to various intermediary businesses such as collection and payment, consulting and so on. For example, the collection of water, electricity and coal is small and the number of users is huge. These companies will still entrust the bank to collect, and they still need to open an account in the bank, so the impact of digital currency issuance on financial services is small. Fifthly, the function of credit creation mainly refers to that the loan is re deposited in the bank, waiting for investment or use, resulting in derivative deposits and currency multiplier effect, which has nothing to do with the issue of digital currency
the issuance of digital currency will not rece the number of bank outlets, because the basic function of the bank is far from the payment intermediary function, as well as macroeconomic regulation, the development of deposit and loan business, as well as financial services, intermediary business, and so on. What's more, many people still insist on using cash to pay and transfer. Therefore, the issue of digital currency can not eliminate the outlets of banks. The real impact on bank outlets is the rise of Internet finance. Banking business moves from offline to online. People generally accept using mobile banking app to deal with business, and then the physical outlets of banks will be canceled
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
Yes , on December 5, Suzhou digital RMB red envelope officially began to make an appointment“ According to the "Suzhou release", Suzhou will issue 20 million yuan of digital RMB consumption red envelopes to eligible Suzhou citizens at the "double 12 Suzhou Shopping Festival" , with the amount of each red envelope being 200 yuan and the total number of red envelopes being 100000
this activity is mainly to further promote the pilot test of digital RMB in Suzhou, and this Suzhou digital RMB consumption red envelope activity is only a routine test in the process of digital RMB research and development, which does not mean that digital RMB is officially launched
extended data
there are three different characteristics of this pilot digital RMB red envelope:
first, it has a wider range of use, which can be consumed not only in designated offline merchants, but also online through Jingdong Mall
the second is to carry out offline wallet test. Participants can choose to sign up for the offline wallet experience program according to their own wishes when they make an appointment to draw digital RMB consumption red packets through the "Suzhou" app
The third is the higher requirements of applicants. Previously, Shenzhen only needed to meet the local application conditions, and this time participants need to meet one of the following conditions: one (or more) normal social security payment records in Suzhou in recent three years (monthly); Registered residence or temporary residence is within the scope of Suzhou Municipality. p>On December 5, Suzhou digital RMB red envelope officially began to make an appointment“ According to the "Suzhou release", Suzhou will issue 20 million yuan Digital RMB consumption red packets to eligible Suzhou citizens in the "double 12 Suzhou Shopping Festival". The amount of each red packet is 200 yuan , and the total number of red packets is 100000
in terms of the number and total amount of red packets issued in Suzhou this time, they are twice as much as those issued in Shenzhen before, and the red packets issued this time are not only suitable for offline consumption of designated merchants, but also online consumption through Jingdong Mall. In addition, Suzhou will also select some people from the customers who participate in the lottery activities of digital RMB consumption red packets to participate in the offline wallet experience activities
this activity is mainly to further promote the pilot test of digital RMB in Suzhou, and this Suzhou digital RMB consumption red envelope activity is only a routine test in the process of digital RMB research and development, which does not mean that digital RMB is officially launched
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extended information:
citizen application method:
according to the "Suzhou release", the "double 12 Suzhou Shopping Festival" digital RMB consumption red packets will be issued in the form of "lottery", which is not first come first served, without competition. The lottery registration channel will be officially opened from 0:00 on December 5, 2020 to 24:00 on December 6, 2020
consumers participating in the application should meet one of the following conditions: there is one (or more) normal social security payment record in Suzhou in recent three years (monthly); Registered residence or temporary residence is within the scope of Suzhou Municipality. p>
after meeting the corresponding conditions, consumers can register for an appointment through the appointment registration system of "Suzhou" app, and independently choose personal digital RMB to open a bank. After the successful appointment, the citizens can pay attention to the information of "Suzhou" app and wait for the draw. All the digital RMB consumption red envelopes of this activity will be issued in one batch
it is worth mentioning that compared with Shenzhen, on the basis of instry, agriculture, China and construction, two state-owned banks, Bank of communications and postal savings bank, have been added to Suzhou red envelope pilot banks“ According to the "Suzhou release", according to the pilot preparation of this activity, the project team led by six banks, namely, instrial bank, agricultural bank, China Construction Bank, construction bank, transportation bank and postal savings bank, has the conditions to participate in this activity, and other participating institutions are actively carrying out research and development
for consumers, if they don't have the bank cards of the six major banks of instry, agriculture, China Construction, communications and postal savings, can they still participate in this appointment activity“ According to Suzhou release, citizens who meet the conditions of this digital RMB consumption red envelope activity can participate in the registration and appointment, and the digital RMB consumption red envelope is issued to the digital RMB wallet opened by indivials according to the requirements, which can be consumed directly without binding a bank card
and the payment and use of digital RMB do not need to go through the network, just need to touch or connect, which also solves the convenience of many retail vendors