China Construction Bank virtual currency

1.

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

extended information:

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 scenarios

Shenzhou 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

2.

CCB responded that on the evening of August 28, CCB carried out the relevant function test on the mobile banking system, and now the test has ended

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 development, which does not mean that digital RMB is officially released

CCB said that the current network information is the test content in the process of technology research and development, which does not mean that the digital RMB is officially launched. The current closed test of digital RMB will not affect the commercial operation of listed companies, nor will it affect the RMB issuance and circulation system, financial market and social economy outside the test environment

extended data

previous situation review

on August 29, the reporter found that the Construction Bank app has added two submenus of "digital wallet recharge" and "digital currency"

however, click the digital wallet recharge mole on the CCB app of users in Beijing area, and "this function is not open yet, please look forward to it"; Click the digital currency mole to display "this function has not officially provided external services, please look forward to it"

according to a source, this function may only be available in some test areas. In addition, for users who have already recharged their digital RMB wallets at CCB, CCB customer service said that the system will automatically cancel the opened digital RMB wallets, and the money transferred by users will be returned to the bound savings account before 24:00 on August 30

3. This is impossible
at the end of 2013, the central bank and other five ministries jointly issued the bitcoin risk notice, which clearly defined bitcoin as a special Internet commodity, but denied its monetary attribute According to the notice, at this stage, financial institutions and Payment institutions shall not price procts or services with bitcoin, buy or sell bitcoin or act as central counterparties, underwrite insurance business related to bitcoin or include bitcoin into the scope of insurance liability, or directly or indirectly provide customers with other services related to bitcoin, Including: providing bitcoin registration, trading, clearing, settlement and other services for customers; Accept bitcoin or use bitcoin as a payment and settlement tool; Carry out bitcoin and RMB and foreign currency exchange services; Carry out bitcoin storage, custody, mortgage and other services; Issuing financial procts related to bitcoin; Take bitcoin as the investment target of trust, fund, etc
as a financial institution, it is impossible for banks to provide virtual currency exchange services. But virtual currency can be traded on the trading platform in China. For example, Fuyuan currency can be traded on the Fuyuan currency trading platform, and bitcoin can be traded on the bitcoin trading platform.

4. Digital currency of China Construction Bank is not for everyone. It should be that you need to apply for it first, and then the bank will approve it before the digital currency is displayed.

5. Jianzi means establishment. CCB means to set up a bank here, so it is called CCB currency
CCB is a more official and formal word, which is a more comfortable and appropriate word here.

6. Only the people's Bank of China can issue gold and silver coins. Every time gold and silver coins are issued, there is an announcement on the official website of the people's Bank of China< The people's Bank of China issues one kind of gold and silver coins every year
major commercial banks sell on their behalf
the people's Bank of China has not issued 12 Chinese Zodiac gold coins. This should be a gold souvenir privately issued by CCB under the banner of gold coin, not a real coin. The gold and silver coins of the people's Bank of China are the legal tender of the state. And this is not.

7. Of course, according to the document [1988] No. 25 issued by the general office of the people's Bank of China on November 17, 1988, the refined CCB currency is specially issued for retirees in the national banking system. According to the original text, "the head office of the people's Bank of China has specially made a batch of refined Commemorative Coins (China Construction Bank)", and branches in various regions have "taken charge of them by themselves and issued them to veteran comrades who have been working in banks for a long time as souvenirs."

8.

China Construction Bank personal online banking is not allowed to buy foreign currency

China Construction Bank's personal internet banking business:

1, personal housing loan business

personal housing loan business, including the construction bank or the Construction Bank's entrusted loan to natural persons who purchase, build and overhaul various types of houses in the Chinese mainland towns. p>

the personal housing loan business of Bank of communications mainly includes self operated personal housing loan, i.e. personal housing mortgage loan (including personal first-hand housing loan, personal re transaction loan, i.e. second-hand housing loan, personal commercial housing loan, personal housing mortgage loan, etc.), provident fund personal housing loan and personal housing portfolio loan

CCB supports the reasonable housing loan demand of households. For households who purchase their first home with loans, the minimum down payment ratio is 30%, and the lower limit of loan interest rate is 0.7 times of the benchmark loan interest rate. Specific according to the borrower's purchase situation and its credit record, repayment ability and other factors

2. Credit card business

Bank of communications, as one of the earliest state-owned banks in China, has many kinds of credit cards

the credit cards issued by China Construction Bank are all named as "dragon card", and the types of dragon cards that have been publicly issued include: dragon card famous school card, dragon card business card, dragon card automobile card, dragon card of China Eastern Airlines, Shanghai Volkswagen dragon card, dragon card Hong Kong wonderful travel credit card, visa card of China Construction Bank, Yilong Changxing dragon card, mango travel dragon card, dragon card (Master Cup) tennis card

3. Yinxing international express remittance

Yinxing international express remittance business of Bank of communications is a personal international express remittance business launched by CCB in cooperation with Yinxing international express remittance company, which refers to the small amount international remittance business of CCB in which CCB, as entrusted by customers, remits indivial overseas foreign exchange remittance or remits indivial foreign exchange funds overseas through Yinxing international express remittance company

Therefore, China Construction Bank's personal online banking is not allowed to buy foreign currency

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extended data:

the role of China Construction Bank's personal online banking:

1, the function of convergence

general account guides many scattered small funds to gather into a fund collection function that can be put into social reproction. Here, the stock market acts as a "reservoir" of funds

The general account transfers the resources from the inefficient departments to the efficient departments, so that the economic resources of a society can be most effectively allocated in the most efficient or the most effective use, and the rational allocation and effective use of scarce resources can be realized

3. Regulatory function

the regulatory role of indivial account on macro-economy. One side of the stock market is connected with savers, and the other side is connected with investors. The operation mechanism of the stock market plays a role through the influence on savers and investors

source of reference: Internet - online banking

Internet - China Construction Bank

official website of China Construction Bank - Introction to e-banking business