New pilot of digital currency
Hello, where are the first batch of pilot cities of the central bank's digital currency? Do you think they are well deserved super first tier cities "Beijing, Shanghai, Guangzhou and Shenzhen"? I want to tell you that it's not all right. Except Shenzhen, the other three cities are Cheng, Suzhou and xiong'an new area. At present, Shenzhen is the earliest city to launch digital currency. On October 9, Shenzhen issued 10 million digital currency. 50000 people, 200 yuan per person, can enjoy the welfare, which is distributed to everyone free of charge through the way of wagging number. Here, I can only envy you. The implementation of digital currency is so fast. The friends in the pilot cities are lucky. I just want to watch you win the lottery
the first batch of pilot cities are selected in these four cities, which is the first step for digital currency to go to the whole country. When it matures in the future, it will be promoted to more pilot cities. So don't worry, just wait. Even if our city is not a pilot, it doesn't matter. Next time it will be our city. The pilot is just to test the stability of the system, and we don't have a great chance to get the red envelope of digital currency. There are so many people in Shenzhen, and only 50000 numbers are selected. Here we would like to express our support and thanks to the cities selected as the pilot cities of digital currency
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. "
In today's technology environment, especially in China, there are very good technologies in many payment fields. Especially after several financial payment procts or platforms launched by Tencent and Alibaba, they are also a way of payment that helps many Chinese enterprises. These also bring a lot of convenience to the people of the whole country
we also hope that RMB can continue to develop all over the country in the next few years, which is not only the continuous improvement of China's international status, but also reflects China's scientific and technological progress, which is a new model for financial security procts, and also hopes that other countries can use it for reference to promote the development of global finance
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
six pilot test areas will be added to the digital RMB, which are Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian. this is another new area after Shenzhen, Suzhou, xiong'an New District, Cheng and the future Winter Olympic test sites. There are two main reasons why these areas will be added, First, since the digital RMB pilot project, the effect is not ideal. The number of participants, the number of transactions and the amount of money involved in the digital RMB test are not many. Although the relevant parties are actively implementing the digital RMB test, the results are somewhat unexpected; 2、 After the implementation of relevant pilot sites for a period of time, adding some pilot sites can achieve a graal process and lay a better foundation for the real arrival of digital RMB{ RRRRR}
although Alipay and WeChat pay are really convenient for our life, many of them are in the form of charges, and there will be no such fee in the future when digital money arrives. p>
In October last year, Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian were added to Shenzhen, Suzhou, xiong'an New District and Cheng. At present, digital RMB is in an orderly expanding test area. What is the so-called "digital RMB" issued by the Central Bank of China's digital RMB construction; Digital currency;, That is, the electronic version of RMB. Different from virtual currency, Chinese digital RMB has legal benefits, national credit endorsement, legal compensation and legal tender{ RRRRR}
As early as last year, digital personal currency was used on a pilot basis. Digital currency will become a new form of currency in the digital era, which is also an important milestone in the field of mobile payment{ RRRRR}
at the same time, digital RMB can rece the cost of equipment and labor in the process of printing banknotes to a certain extent. After the paper money is worn and aged, the state has to recycle it
from a larger point of view. Digital RMB can help RMB go to the world better and improve the internationalization level of RMB. It may be more convenient to use RMB abroad
is no different from WeChat Alipay, what it is is the pay platform of the union. In fact, there is no difference between Alipay and WeChat. For ordinary people, they only pay for the Title Protection with legal money in use. After all is said and done, the business does not accept Alipay or WeChat payment. It is not good at all. Merchants are afraid that you will not buy them. If you want to buy them, they will help you to achieve them. Digital currency can be paid offline, but it can only be limited by small amount; It is said that we can not bind the bank card, but we need to exchange the money in the bank card first, and it is equivalent to withdraw. This is not the essential difference from the Alipay flow. For the ordinary people, it is basically the third way of payment paid by the government after WeChat Alipay, and nothing special. Speaking of high security, the Chinese people's Bank of China endorsed it, but Alipay WeChat also endorsed commercial banks. In the domestic commercial banks, they are basically state-owned or state-owned capital, and the security problem is not large. Perhaps the state does not want to lose interest in the electronic payment, and create a new set of payment methods, then slowly replace WeChat and Alipay by the red tape, and finally form a new payment form which is mainly based on the national electronic payment and other payment methods. p>
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