Have you got the red envelope of Suzhou digital currency
Suzhou will launch the red envelope test of digital RMB, which is expected to appear in the future. However, it is very difficult to really occupy the market, or even replace the mobile payment, because although digital RMB is different from traditional mobile payment, it is still realized with the help of electronic carriers such as mobile phones{ RRRRR}
fully comply with the law of the market, that is to see which way can better meet the needs of consumers, because the market is like this, which is more convenient for customers and more attractive for customers, he chooses which one. As for the emergence of mobile payment for so many years, we are used to it, also did not find any big problems, nothing more than to make more adjustments in the flow of consumption funds, and there is still a long way to go for digital RMB
May. Digital RMB does not need to rely on the network system when it makes payment. Therefore, the cost of payment will be lower. To a large extent, it may further enhance the convenience of payment and even the future universality of digital RMB. Moreover, digital RMB has the characteristics of legal compensation, that is to say, all public and private debts in our territory, any creditor, at any time, should not refuse to accept our digital currency, digital RMB, for any reason
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support loose coupling of bank account
support loose coupling of bank account means that you can open a digital RMB wallet without a bank account
for some people in rural areas or remote mountainous areas, overseas tourists, etc., who can not or are inconvenient to hold bank accounts, they can also enjoy corresponding financial services through digital wallet, which is helpful to realize inclusive finance
1. Digital RMB is not based on the account, as long as the digital currency app is downloaded from the mobile phone, and wechat change can only be used after logging in to personal wechat
Second, digital RMB can be paid without network, and wechat change can only be traded with network Third, digital RMB is the currency issued by the state with the same value as banknotes and coins, which is endorsed by the state, while wechat change is a third-party payment tool, which is controlled by enterprises with different degrees of risk{ RRRRR} digital currency can improve the state's supervision of fundsin addition, digital currency can improve the state's supervision of funds, where the money comes from and flows to will be clearly marked, the state will be more relaxed in supervision, money laundering may become more and more difficult, and the national property security will be further protected
Suzhou has issued 20 million yuan of digital RMB consumption red envelopes. In fact, it is not only Suzhou. Hangzhou, Shenyang and other cities have also issued digital red envelopes early to stimulate residents' consumption. The usage of this red envelope is also very simple. This consumption coupon is usually grabbed on Alipay platform, and after grabbing the Alipay consumer coupon, people can consume in any physical store. As long as a province has launched a consumer coupon, basically all the physical stores can use coupons, including the vegetable market, supermarkets and convenience stores and restaurants. , these consumer coupons are not large enough. Therefore, it is generally used for daily consumption. With the consumption voucher, the consumption demand of the public will also be greatly increased. many people may not want to buy things originally, but because the consumption voucher can be much cheaper, they will spend extra money{ RRRRR}
when you are using consumer coupons, must first click on the Alipay card pack, find the coupons you want to use, and then click on the consumption coupon to select ". To use & quot;, Then let the merchant scan your payment code, so that you can correctly use the coupon the coupons must be used within the specified time, otherwise they will be expired. Generally, the validity period of coupons issued once a month is one month, and that of coupons issued once a week is one week, so we must pay attention to the validity period
Suzhou 20 million digital RMB & lt; Shopping red envelope & quot; Start to make an appointment, which people are eligible to receive it
1. What is digital RMB; Shopping red envelope< p> Digital RMB is a kind of currency relative to our ordinary RMB. It is issued by the people's Bank of China. Now it is generally in the form of red envelopes for shopping. In fact, this kind of currency is not very different from ordinary paper money, but the most important feature is that it can appear in the form of virtual currency, Shenzhen city began to carry out the pilot of digital RMB red packets, and issued nearly 10 million yuan red packets. This time, the 20 million yuan shopping red packets in Suzhou are also for the pilot of digital RMB, but the way adopted is lottery, so everyone has the opportunity to receive them
Digital RMB is different from ordinary online transactions, but the test can not reflect this difference at present, online mobile phone transactions have become the mainstream, and many people do not even carry cash. This kind of online transaction is essentially similar to the transfer service of bank card, and the transaction is the addition and subtraction of numbers
in the process of testing, many testers reflect that there is almost no difference between digital RMB and ordinary online transactions, but in essence, digital RMB is essentially different from the popular online transactions
in this test of digital RMB, the vast majority of testers did not feel the difference between digital currency and ordinary online transactions, which is a good thing. After all, if digital currency is convenient, people will use it
using digital currency can not only protect the environment and rece the consumption of paper currency, but also regulate the market better and faster. After all, the movement speed of digital currency on the network is much faster than that of paper currency
the first feature is that it has a wider range of use, and can be consumed online and offline. Online is Jingdong Mall, including online mall, Jingdong's five-star appliances, Jingdong home, Jingdong convenience store and other offline scenes. It can be used by nearly 10000 offline designated merchants, covering shopping malls and supermarkets, daily retail, catering consumption, life services and other categories. The second point is that the requirements of applicants have become higher. Shenzhen only needs the applicants to be in the local area. Participants in Suzhou need to meet one of the following conditions: there is one (or more) normal social security payment record in Suzhou in recent three years (monthly); If registered residence or temporary residence is satisfied within the scope of Suzhou municipality, it can be applied according to the proceres.
this year, the development speed of digital RMB pilot is accelerated, and the laying scene is more and more comprehensive. Not only are the number of pilot cities increasing, but the digital currency Research Institute of the central bank has successively reached strategic cooperation with Internet companies such as Jingdong Digital Technology Co., Ltd., Didi, meituan and BiliBili. But fast progress is not the goal. Fast and good development is our goal. In each test, we should sum up the experience and pay attention to whether the communication between different departments is smooth and whether the cooperation is tacit