Four major banks officially launch digital currency
On November 9, 2019, the central bank has not launched digital currency
in 2014, the Central Bank of China set up a special research team to conct in-depth research on the framework of digital currency issuance and business operation, key technologies of digital currency, issuance and circulation environment, and legal issues
in January 2017, the central bank officially established the digital currency Research Institute in Shenzhen
in September 2018, the Institute of digital currency built a trade finance blockchain platform
On July 8, 2019, at the launching ceremony of the digital finance open research program and the first academic seminar, Wang Xin, director of the Research Bureau of the people's Bank of China, disclosed that the State Council has officially approved the research and development of the central bank's digital currency, and the central bank is engaged in corresponding work in organizing market institutions 
extended data:
benefits of digital currency
the digitalization of central bank's currency helps to optimize the central bank's monetary payment function, improve the central bank's monetary status and the effectiveness of monetary policy. The central bank's digital currency can become an interest bearing asset to meet the holder's reserve demand for safe assets, and can also become the lower limit of bank deposit interest rate. It can also become a new monetary policy tool
at the same time, the central bank can affect the bank deposit and loan interest rate by adjusting the digital currency interest rate of the central bank, and help to break the zero interest rate lower limit
however, the digital currency that the central bank plans to issue has the monetary attribute and has the credit endorsement of the central bank. The central bank's version of digital money will first be applied to the bill market. It is still difficult for the central bank to popularize the digital currency in China, because the degree of economic development is different across the country
at the same time, there are some applied digital currencies in China. For example, the Puyin digital currency launched by Puyin group is a standard digital currency with credit endorsement of related tea assets.
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As we all know, with the rapid development of science and technology, our life has been greatly changed by science and technology; Since the emergence of mobile payment, e-commerce shopping, online car hailing and other emerging technology lifestyle, our life has become much more convenient. Now people only need to carry a smart phone when they go out, and all the necessities of life such as clothing, food, housing and transportation can be solved through mobile phones, which is very convenient; As technology changes our lives, we also begin to rely on these new technology lifestyles, and some new consumption habits are graally formed
know that when we use Alipay and WeChat to pay money, mobile phone can not complete the payment smoothly if there is no network or no signal. But this time, the digital RMB can be paid under any condition. It is very convenient to use the function of "touch". You can make mobile payment without network or signal; And the advent of the digital renminbi will obviously divide Alipay's share of the market with WeChat and WeChat. Do you know when you will experience this new mobile payment method? Welcome to leave a message to express your opinion