50,000 people try digital RMB red envelopes.
"Thanks to Shenzhen! The winning rate is 2.6%, and I am one of the 50,000 lucky ones. " Ms. Zhou was very excited after receiving the digital RMB red envelope, and took a screenshot of 200 yuan's digital RMB red envelope at the first time.
Recently, Shenzhen launched a pilot project of digital RMB red envelopes and distributed100000 RMB red envelopes to individuals in Shenzhen. The amount of each red envelope is 200 yuan, and the number of red envelopes is 50,000.
In the end, 1, 9 1, more than 1,000 people signed up for the lottery, and 50,000 people were drawn, with a winning rate of only 2.6%. People's enthusiasm for digital RMB can be seen.
The process of receiving digital RMB red envelopes is very simple. According to the link sent by the winning SMS, Ms. Zhou downloaded the digital RMB App, then entered her mobile phone number to register and log in, opened her personal digital wallet and received the 200 yuan digital RMB red envelope.
It should be noted that the background colors of digital RMB in different banks are different, for example, CCB is blue, ABC is green, and ICBC and BOC are red.
Slip payment
How to use digital RMB red envelopes in consumption?
Digital RMB App shows payment up, payment down, and payment is scanned in the upper right corner. The user can scan the merchant's payment code or the merchant can scan the user's payment code for consumption.
"It's as convenient and fast as Alipay and WeChat payment!" After receiving the digital RMB red envelope, Fu Xiao, a Shenzhen college student, went to CR Vanguard, Luohu for consumption and bought some snacks, stationery and daily necessities.
"I used the slide-up payment, and the cashier scanned my payment code. After I enter the password, there are 200 RMB patterns flying out. It feels very fun, the whole process is smooth and the experience is very good. " Fu Xiao said.
It is reported that the merchants participating in the pilot include supermarkets, life services, daily retail, catering consumption and other types, which can be used by Sinopec, CR Vanguard, Wal-Mart and other merchants. The winning bidder can spend money at 3,389 merchants who have completed the transformation of the digital RMB system in Luohu District from June 65,438+08 to June 24: 00, 65,438+08. 200 yuan red envelopes can be used many times, and unused red envelopes beyond the validity period will be taken back by the digital RMB system.
How to use digital RMB red envelopes
What's the difference between digital RMB and previous electronic payment?
From the intuitive feelings of consumers, there is not much difference in experience between using digital currency and the Central Bank and using WeChat and Alipay, but they are essentially different. Wechat and Alipay are only payment tools, and the balance in personal bank cards is still used through these two channels; Digital currency, on the other hand, is the legal tender in digital form issued by the People's Bank of China, which has the characteristics of currency stability and security and is equivalent to cash. Moreover, digital RMB has legal compensation, which can pay all public and private debts in China. Any unit or individual may not refuse to accept it if it has the conditions.
Not only that, digital RMB supports dual offline payment. Even if both parties are offline, digital people can pay like paper money. For example, when two people's mobile phones have personal digital wallets, even in the case of no signal and no network, a series of operations such as transfer and payment can be completed by touching two mobile phones.
Compared with traditional paper money and coins, it is easy to forge anonymously, and there are risks such as money laundering and terrorist financing. On the one hand, digital RMB can meet the needs of portability and anonymity while maintaining the cash attribute; On the other hand, the People's Bank of China can grasp the full amount of information, use big data, artificial intelligence and other technologies to analyze transaction data and capital flow, prevent and crack down on money laundering, terrorist financing, tax evasion and other illegal and criminal acts, and effectively maintain financial stability.
The person in charge of a pilot merchant mentioned that merchants have no cost burden, and they have to pay handling fees for payment and collection with Alipay and WeChat. However, digital currency is the legal tender of the country, and there is no charge for receiving bills through this channel, which can save this part of the expenses for the merchants.
Fan Yifei, deputy governor of the People's Bank of China, recently published an article "Analysis of the Policy Implications of Digital RMB M0 Positioning", pointing out that digital RMB is non-profit and interest-free, and pursues the maximization of social benefits and social welfare. Therefore, the People's Bank of China implements a free strategy consistent with cash for digital RMB. The People's Bank of China establishes a free digital RMB value delivery system and financial infrastructure, and does not charge exchange and circulation service fees to the issuer. Commercial banks do not charge individual customers for digital RMB exchange and redemption service fees.
When will the digital RMB be officially launched?
The pace of digital RMB seems to be getting closer and closer.
The recently released "Shenzhen Socialism with Chinese characteristics Comprehensive Reform Experimental Demonstration Zone Implementation Plan (2020-2025)" proposes to set up a financial technology innovation platform based on the Shenzhen subsidiary of digital currency Institute of the People's Bank of China, support the internal closed pilot test of digital RMB, and promote the research and development, application and international cooperation of digital RMB.
It is reported that this pilot project in Shenzhen is an innovative practice to stimulate consumption and stimulate domestic demand during the normalization period of epidemic prevention and control in Shenzhen, and it is also a routine experiment in the research and development of digital RMB.
Prior to this, CCB also publicly conducted a digital RMB wallet test in August.
Sun Guofeng, director of the Monetary Policy Department of the People's Bank of China, said at the the State Council policy briefing on August 25th that at present, the research and development of digital RMB follows the principle of "stability, security, controllability, innovation and practicality", and internal closed pilot tests are conducted in Shenzhen, Suzhou, Xiong 'an, Chengdu and future Winter Olympics scenarios to test theoretical reliability, system stability, functional availability, process convenience, scenario applicability and risk controllability.
Sun Guofeng said that the digital RMB is still in the internal closed pilot testing stage. There is no timetable for the official launch of digital RMB.