Format of RMB digital currency
Digital RMB is the legal digital currency not yet issued by the people's Bank of China, namely "digital currency electronic payment" (DC / EP). Based on the generalized account system, it supports the loose coupling function of bank account, is equivalent to banknotes and coins, and has value characteristics and legal compensation
on August 14, 2020, the Ministry of Commerce of the people's Republic of China issued the "overall plan for comprehensively deepening the innovation and development pilot of service trade", which mentioned that "digital RMB pilot projects should be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China."
on October 8, 2020, the Shenzhen Internet Information Office of Guangdong Province announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan district and in combination with the local consumption promotion policy, the Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China
digital renminbi is what
first, the most typical question is what is the difference between digital Renminbi and Alipay and WeChat payment? p> Basically speaking, digital RMB is equivalent to banknote and coin RMB, which is a legal currency with value characteristics and legal compensation. The three party Internet payment methods such as Alipay and WeChat payment mainly rely on deposit money transactions in commercial bank accounts, which is essentially a payment channel for legal tender. Digital Renminbi belongs to M0, that is, the category of cash in circulation. The money that people put in Alipay and WeChat accounts are deposits of non deposit financial institutions. They belong to the category of M2, that is, broad money. p>
CCTV reported that compared with the third-party payment tools, the use of digital RMB is more convenient:
the payment path is short: there are only two points of payer and payee, and the transaction can be completed within a few milliseconds without any third-party platform
double offline payment: when the mobile phone has power, it can spend digital RMB even if there is no network
controllable anonymity: to protect the privacy of consumers, in addition to the government departments investigating illegal transactions within the scope of authority, merchants and third-party payment platforms have no right to obtain the payment data of consumers, and consumers are free from marketing intrusion
in addition to the obvious advantages of easy use and cracking down on counterfeit money, the future implementation of digital RMB can better help the state to regulate currency circulation, fight corruption, anti money laundering, and fight crime; In terms of macro-control, it can optimize monetary policy, achieve targeted poverty alleviation, accurately support the development of real economy, and promote the internationalization of RMB
generally speaking, the most important thing to ensure the value of money is credit. The central bank's digital currency is the currency endorsed by China's state, which is only different from paper currency in form, and does not involve commercial banks at present
while other types of "digital currency" do not have any credit endorsement, anyone can "issue digital currency" as long as they have certain technology
internally, the difference between the central bank's digital currency and the use of traditional currency is that the carrier of currency is different, and other attributes are completely the same
for foreigners, it is concive to increasing the settlement share of RMB in international trade and protecting the safety of overseas assets
1. The total amount of money has increased, and the participating banks are more than
in the previous Shenzhen pilot project, 50000 red envelopes with a total amount of 10 million were distributed, while in this Suzhou pilot project, the amount of a single red envelope is still 200 million. In the previous Shenzhen pilot, only the Shenzhen Branch of the four major banks of ICBC was involved. In this Suzhou pilot, on the basis of the four major banks, Bank of communications and postal savings bank were added
2. Online consumption is allowed
the previous Shenzhen pilot digital RMB red packets can only be used by offline designated merchants in Luohu District, Shenzhen, while the Suzhou pilot digital RMB red packets can be used by offline merchants as well as online consumption in Jingdong Mall
If the user has made an appointment and has not arrived at the appointment waiting time, those who are less than 30 minutes will be deemed as late and can continue to get the appointment number. Those who are more than 30 minutes will be deemed as breaking the appointment, and the appointment number will be invalid automatically. If the user fails to make an appointment or is late for three times in three months, the registration qualification will be suspended for three months, and the relevant information will be included in the personal credit file
extended information:
notes for appointment registration
1. The basic information of the patient must include the patient's name, gender, nationality, marriage, date of birth (age), contact number and address. If you are a self financed patient, you must purchase the outpatient medical record and fill in the above contents
2. If it is a general clinic, the staff should be informed of the registered department; if it is an expert clinic, the staff should be informed of the name of the registered expert. If you don't know the name of the expert, tell the department or patient that they need to see the doctor
note that doctors on ty receive more registered patients, and doctors will delay the service. On the second working day, the computer will void the registration form, and the registered doctor may not be found
Digital RMB is legal tender with unlimited legal compensation. Unlike the three party payment tools such as WeChat Alipay, the use of digital Renminbi can be completed without binding the bank account. p>
in transaction payment, no unit or indivial can refuse to accept digital RMB. To make payment more convenient while ensuring safety is the first consideration of digital RMB. The central bank's digital currency DC / EP adopts a two-tier operation system. The people's Bank of China issues digital currency directly to the public
In the two-tier operation system, the people's Bank of China first exchanges digital currency to banks, and then these institutions exchange digital currency to the public. So it seems that your salary should be paid to the bank account first, and then converted into digital RMB extended information:
the introction of digital RMB is as follows:
it is mainly used in the high-frequency business scenario of small retail. It adopts a two-tier operation system. The central bank first exchanges the digital currency to banks or other operating institutions, and then these institutions exchange it to consumers. It is understood that digital RMB is not a virtual currency, nor an online payment or e-wallet, but a legal digital currency issued by the central bank based on national credit
for financial innovation, it can not be completely realized. In this case, the relevant representatives of the central bank put forward the relevant contents of digital RMB and pointed out that the era of digital RMB is coming
First, we open excel on our computer, and then we input a number in it
RMB (abbreviation: RMB; Currency code: CNY; Currency symbol: & It is the legal tender of the people's Republic of China. The people's Bank of China is the national authority in charge of the management of RMB, which is responsible for the design, printing and issuance of RMB
the unit of RMB is yuan, and the subsidiary currency unit of RMB is Jiao and Fen. One yuan is ten Jiao, and one Jiao is ten Fen. Since the issuance of RMB, the people's Republic of China has lasted for more than 60 years. With the development of economic construction and the needs of people's life, it has graally improved and improved. So far, it has issued five sets of RMB, forming a multi variety and multi series monetary system of paper currency and metal currency, ordinary commemorative currency and precious metal commemorative currency
The first, second and third sets of RMB have been withdrawn from circulation except for 1, 2 and 5 cents coins. The current circulating RMB is the fourth set of RMB issued by the people's Bank of China since 1987 and the fifth set of RMB issued in 1999. The two sets of RMB are circulating at the same timeon January 20, 2016, the people's Bank of China disclosed at a meeting held here that it will strive to launch the digital currency issued by the central bank as soon as possible. The meeting held that under the current new normal of China's economy, it has positive practical significance and far-reaching historical significance to explore the digital currency issued by the central bank
Digital RMB is issued by the people's Bank of China. It is legal tender in digital form, with value characteristics and legal compensation. Digital RMB is equivalent to banknotes and coins. Digital RMB can buy everything banknotes can buy; Paper money can be exchanged for foreign currency, digital RMB can also be exchanged
RMB includes physical form and digital form, which provides legal basis for China to issue digital currency. It is illegal to issue digital tokens in China -- no unit or indivial is allowed to make or sell token tickets or digital tokens to replace RMB in the market
expansion data:
digital RMB and WeChat payment, Alipay and other payment tools:
Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, explains that WeChat payment and Alipay are financial infrastructure and "purse"; Digital RMB is a payment tool and the content of "wallet". After the issuance of the digital renminbi, you can still use WeChat payment and Alipay payment, but only the contents of the "wallet" have increased the central bank's currency. p>
after the introction of digital RMB, its exchange will be free. The people's Bank of China (PBOC) establishes a free value transfer system and financial infrastructure of digital RMB, and does not charge circulation fees from the issuing layer. Commercial banks also do not charge customers service fees for the exchange and return of digital RMB