China information digital currency state owned bank
there is no . In response to the online transmission of China Construction Bank mobile app online digital currency in personal wallet, CCB responded on the evening of August 29 that CCB carried out relevant function test in mobile banking system on the evening of August 28, at present, this test has ended . At present, Internet information is the testing content in the process of technology research and development, does not mean that digital RMB is officially launched
it is reported that recently, the app of China Construction Bank launched the digital currency wallet, which surprised people. Users only need to bind their own bank card on the digital currency wallet to open it. In addition, the app of China Construction Bank has added two submenus of digital wallet recharge and digital currency, indicating that users can use the digital RMB wallet to recharge, It is mainly divided into app wallet and hardware wallet
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many companies speed up the layout
recently, there are many rumors about digital RMB, which are also reflected in the capital market. Judging from the performance of the digital currency sector, it recently hit a new high this year
some listed companies revealed that they would pay attention to the field of digital currency and actively lay out their plans. On the e interactive platform of Shanghai Stock Exchange, Qi an Xin said that the pilot test of digital currency has brought more market opportunities for security manufacturers from the new security project opportunities brought by the upgrading of financial IT system, and the company has been paying attention to and actively arranging
The company has been paying close attention to and actively following up the technology and application trends related to digital currency, and has continued to make layout in technology R & D and proct development. In the process of promoting the implementation of digital currency by the central bank, Youbo will also contribute to the digitalization of RMB and the implementation of offline merchant payment scenariosShenzhou Holdings said in the China Daily News that its Shenzhou information has participated in the central bank's digital currency (DC / EP) test and related promotion work of a commercial bank, involving the electronic payment scenario test of encrypted digital currency. As one of the important systems required for the later promotion of DC / EP, Shenzhou information has completed relevant technical reserves, In the future, it can help commercial banks realize the implementation and promotion of digital currency
the first country to recognize bitcoin as legal was Germany, which first defined bitcoin as an alternative currency. Of course, in the future, sovereign digital currencies may be popular, and digital cryptocurrencies such as bitcoin, Ruitai coin, Laite coin and vitality coin will become a supplement.
large state-owned banks are pushing digital RMB , digital RMB has a great convenience function, compared with paper money, its owner can not achieve the effect of paper money. This is also the main reason why digital currencies are so popular{ RRRRR} in addition, the central bank digital currency , is does not need account , can realize value transfer. As long as there is a DC / EP digital wallet on the mobile phone, does not need the network. As long as two mobile phones touch each other, can realize the transfer function. Specifically, the central bank digital currency does not need to pay interest , can be used in small and retail business scenarios . Therefore, the charm of digital currency is endless. As long as it is promoted, it will bring us a lot of convenience, and digital currency will be deeply favored
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
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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. "