What's the significance of promoting digital renminbi
What's the significance of promoting digital renminbi? Digital renminbi follows the principle of "small amount is anonymous and large amount can be traced according to law", attaches great importance to the protection of personal information and privacy, and meets the public's demand for small anonymous payment services. What is the significance of promoting digital RMB? What is the significance of promoting digital RMB 1
In recent years, mobile payment has developed rapidly, and only one mobile phone can meet the payment demand. Since mobile payment is so convenient, why launch digital RMB?
1. Supplement of electronic money. "With the increasing importance of mobile payment, the central bank needs to promote the payment system to keep pace with the times, and introduce digital legal tender through top-level design as a pure public product, which has become an important supplement to electronic payment." Mu Changchun, director of digital currency Research Institute of China People's Bank, said. Digital RMB has the advantages of low barriers, low cost and high security, which provides people with a more reliable payment method.
2. The use of digital RMB has changed from closed to open. The purpose of Shenzhen's pilot digital RMB red envelopes is to test through daily consumption scenarios, accumulate experience for the future issuance and use of digital RMB, and take the retail side as the starting point, which has a greater impact than the wholesale side. This new attempt makes the use of digital RMB turn from closed to open.
3. It is conducive to the internationalization of RMB. On the one hand, the use of digital RMB will effectively promote the development of domestic digital economy, reduce costs and increase benefits for economic operation. On the other hand, with its advantages of low barriers, low cost and high security, it will probably reshape the international settlement system and become an important tool for RMB internationalization.
It is reported that in Suzhou, some civil servants have received part of their salaries in the form of digital currency. In xiong'an new area, 19 companies including McDonald's have started to pilot digital currency. After the scenes of Shenzhen, Chengdu, Suzhou, xiong'an new area and the future Winter Olympics, it will be expanded to other areas one after another as appropriate.
However, this does not mean that digital RMB will completely replace paper money. The balance in the account of a commercial bank already exists in digital form, so there is no need to replace it. We should start with replacing the banknotes and coins in circulation first. However, due to the convenience of electronic payment at present, the popularity of digital RMB will be limited in the future.
besides being digital, digital RMB is the same as the paper money we usually use. It belongs to the national sovereign currency, and besides payment, it also has monetary functions such as settlement, pricing and reserve. In essence, it is a substitute for cash, just turning paper into numbers.
Digital RMB is legal tender, which is equivalent to legal tender, and its effectiveness and security are the highest, which is the most fundamental difference between digital currency, the central bank, and bitcoin and other encrypted assets.
AliPay, WeChat payment, etc. have become a kind of public products or services. Once extreme situations such as service interruption occur, it will have a great impact on social and economic activities and people's lives. This requires the People's Bank of China, as a public department, to provide tools and products with similar functions as a backup of the corresponding public products. What's the significance of promoting digital renminbi 2
How to register digital renminbi APP
1. Click on the "Digital renminbi" APP, register the "Digital renminbi" APP account with the mobile phone number registered at the time of registration, and set the login password for the "Digital renminbi" app.
2. When you enter the APP, you will first receive a red envelope reminder. After clicking "Get it now", you will open the red envelope and issue the bank digital wallet.
3. Open the wallet with the mobile phone number registered when using your name, and do not set the wallet payment password.
4. After successfully opening the digital wallet, you can receive the "Digital RMB 55 Happy Purchase" consumption red envelope. If the customer has registered the "Digital RMB" APP and used the registered mobile phone number to open a personal digital wallet in the bank selected for registration, the red envelope will be automatically credited.
Digital RMB follows the principle of "small amount anonymous and large amount traceable according to law", attaches great importance to the protection of personal information and privacy, and fully considers the business risk characteristics and information processing logic under the existing electronic payment system to meet the public's demand for small amount anonymous payment services. At the same time, prevent digital RMB from being used for telecom fraud, online gambling, money laundering, tax evasion and other illegal and criminal acts, and ensure that related transactions comply with the requirements of anti-terrorism financing. The transaction information collected by the digital RMB system is less than the traditional electronic payment mode, and it is not provided to third parties or other government departments unless it is clearly stipulated by laws and regulations. What's the significance of promoting digital RMB? 3
On October 4th, the reporter found that digital RMB APP was put on the Apple App Store and major Android markets. This means that users in the digital RMB pilot area can obtain the digital RMB APP more conveniently. At present, the digital RMB pilot has been carried out in 12 cities such as Shenzhen, Suzhou and Chengdu. Chengdu citizens who have not used digital RMB can download and register it from now on.
The citizens of 12 pilot cities can download and register
According to the introduction of the open market, the RMB (pilot version) APP is the official service platform for individual users to carry out pilot projects of digital RMB, which provides the opening and management of personal wallets and the exchange and circulation services of digital RMB. Digital RMB is still in the routine testing stage in the R&D process, and white list users expanded by operating institutions in pilot areas and pilot scenarios can register digital RMB APP.
before the launch of the digital RMB pilot version of the App, users experienced digital RMB mostly through red envelopes, bank invitations and other channels. With the launch of the digital RMB APP on the application store, it means that more users can experience the digital RMB. On the new user registration page, the application of digital RMB (pilot version) prompts that digital RMB will be piloted for Shenzhen, Suzhou, Xiong 'an, Chengdu, Shanghai, Hainan, Changsha, Xi 'an, Qingdao, Dalian and the Winter Olympics (Beijing and Zhangjiakou), and users need to judge whether they meet the registration conditions according to their own location.
after downloading from the Apple App Store, the reporter registered and opened the wallet according to the software prompts. Without entering personal information such as name, ID number and bank card number, the anonymous wallet can be opened directly with the mobile phone number, and it can be upgraded to a real-name wallet as needed after opening. In the opening link, operators need to be selected, including ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, Online Merchant Bank (Alipay) and Weizhong Bank (WeChat Payment). Wallets opened only with mobile phone numbers are "four types of wallets". After opening, they can be upgraded to two or three types of wallets in the App "Wallet Management", or they can be upgraded when using functions such as "charging wallets" and "depositing in banks".
The reporter noticed that it is roughly the same as the digital RMB App that has been unveiled in the previous period. The pilot version of the App also has functions such as transferring money, receiving and paying, touching and sweeping. Users can add their own "sub-wallets" and push them to different merchants. At present, some big banks have linked nearly 61 merchant platforms, including JD.COM, Meituan, Hungry, Tmall Supermarket, Didi, bilibili, Tuniu, Tencent Video, Iqiyi and Baidu.
Promote the pilot of digital RMB
There are more than 681,111 APPlication scenarios in Chengdu
According to the tips of the digital RMB app, 12 cities such as Chengdu can carry out pilot projects for individual users, which means that Chengdu citizens can download and register from now on. The reporter learned that since it was selected as a digital RMB pilot at the end of 2119, Chengdu has promoted the construction and testing of application scenarios in various fields such as living payment, catering service, transportation, shopping consumption and government service in an orderly manner, and has opened more than 31 million personal wallets and expanded more than 681,111 pilot scenarios.
According to the relevant person in charge of Chengdu Financial Bureau, Chengdu has launched a large number of characteristic application scenarios in the pilot project of digital RMB, initiated digital RMB payment for public travel in China, launched hard wallets with characteristic scenarios, innovatively distributed government subsidies, and created application scenarios for the revitalization of characteristic villages such as Pengzhou Yurun International Agricultural Products Trading Market and Pengzhou Baoshan Village. Last year, Chengdu launched the special test activities of "digital RMB red envelopes to welcome the Spring Festival" and "green travel and low-carbon summer", which set a record for the largest number of applicants and the largest number of red envelopes distributed in a single event and became the city with the highest enthusiasm for public participation in the digital RMB pilot. The person in charge said that at present, Chengdu is accelerating the exploration of foreign-related scenes and typical applications, and is drafting and formulating the "Chengdu Universiade Digital RMB Pilot Program" to design and land the Universiade scenes and strive for a breakthrough in digital RMB foreign-related payment.
The Planning of Chengdu-Chongqing * * * Building a Western Financial Center recently put forward: support Chengdu to steadily promote the pilot project of digital RMB, carry out research on digital RMB and innovative application of mobile payment, and expand the application scenarios of digital RMB. The person in charge introduced that Chengdu will improve the financial technology industry chain in the next step. Establish a blockchain industry research institute, actively promote the digital currency Research Institute of the People's Bank of China to set up a research center in Chengdu, and promote the creation of a digital currency industry development cluster.