Luohu digital currency test
the test only lasted for a few minutes, the public could not feel anything, and the test results were only known by the internal relevant personnel in fact, the concept of digital currency has been mentioned for several years. On August 29 this year, China Construction Bank added "digital currency" to its official app; Recharge digital wallet; And & lt; Digital currency & quot; Two submenus. This activity makes people excited. Is the digital currency really going to be issued? But just excited soon, I found that the two submenus were offline. In response, CCB said to the media: CCB has carried out relevant function test in the mobile banking system. At present, the test is over< at present, online information is the test content in the process of technology development, which does not mean that digital RMB is officially launched 
after being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that digital currency will be issued and used soon. What's the use of digital currency? Is it the same as WeChat Alipay? In this regard, Wang Jian, chief analyst of Guoxin Securities financial instry, believes that the number of Renminbi and banknotes and coins are RMB cash. Alipay, WeChat payment and so on are just a payment tool. Through these two channels, the balance of personal bank card is still used, or the credit card is being brushed, and the digital Renminbi payment is used. What we spend directly is digital RMB, just like cash
Luohu's Mixc, China Resources Vanguard, Meiyijia convenience store, Tianhong Department store, Maoye department store and other supermarket department stores; Noodle King, Taixing restaurant, food first and other restaurants; Digital currency can be used in Junyue Hotel, Shenzhen book city, huaguoxian, gas station, subway recharge machine and other living service places
there are 3389 merchants in Luohu District of Shenzhen who have completed the transformation of digital RMB system, and they can use digital currency in these shops
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advantages of digital currency:
1. Save cost and improve efficiency
in the traditional electronic payment process, funds are stored in the third-party platform. The third-party platform deposits funds through the time difference of payment to obtain short-term interest income, which makes customers and businesses suffer losses, and the transaction process has two capital transfers, which makes the transaction process rendant. Electronic payment based on blockchain technology eliminates the third-party platform and realizes peer-to-peer payment (P2P), which simplifies the payment process and reces the payment cost
2. Optimize the traditional payment function
digital currency can inherit the advantages of cash payment (point-to-point payment, instant payment and settlement, convenient and fast), and solve the defects of cash at the same time. In this condition, controllable anonymity can be realized at the same time. That is to say, compared with traditional mobile payment, digital signature is used to effectively protect the personal information of each participant, so as to prevent the loss, leakage or malicious tampering of the user's personal information
3. Control the whole life cycle of currency and control the return of currency
The economist Stiglitz studies the macroeconomic management of e-money system, and points out that the electronization and digitalization of money will help to improve the ability of central bank to monitor money flow and organize market, and improve the effectiveness of monetary policy. More importantly, legal digital currency will create a new price based monetary policy tool, which can break the zero interest rate lower limit and release monetary policy space Digital currency does not rely on physical outlets and labor services, and has low cost of infrastructure and human resources. It can obtain a larger service capacity with less material and human input, which is concive to the expansion of financial services in remote and poor areas. Moreover, financial services based on digital currency have the characteristics of small amount and convenience, such as "massive transactions, small and micro single amount", which create conditions for the general public to facilitate life and increase employmentOn October 8, 2020, Shenzhen Municipal Government Service Data Management Bureau announced that & lt; Enjoy Luohu in 2020; A series of consumer promotion activities have been opened. This activity will issue 10 million yuan digital RMB red envelopes to indivials in Shenzhen. Each red envelope amount is 200 yuan, and the total number of red envelopes is 50000
Second, after the registration information is submitted by Shenzhen staff from 0:00 on October 9 to 8:00 on October 11; I Shenzhen & quot; The system will complete the audit within 2 hours, and send the confirmation code SMS to the mobile phone number filled in at the time of appointment registration through Shenzhen government short message service platform. This confirmation code is an important basis for subsequent query of the winning result. Please do not delete it. The person who receives the SMS must click & lt; in the activity booking platform within 6 hours; Schele query / confirmation code filling & quot; Enter the appointment registration confirmation code to complete the appointment. 3、 Draw lots: at 8:00 on October 11, the organizers draw lots and confirm the winning list. 4. Red envelope issuance: from 18:00 on October 12, the winning staff will receive the winning SMS from 18:00 on October 12. Download and install & lt; Digital RMB app & quot;, The & quot; Personal digital wallet & quot; After that, you can get & lt; Enjoy Luohu digital RMB red envelope & quot; 200 yuan. 5. Use of red envelope: from 18:00 on October 12 to 24:00 on October 18, the successful bidder can go to 3389 merchants in Luohu District for consumption within the validity period of red envelope, and cannot transfer it to others or cash it back to his bank account. Unused red packets beyond the validity period will be withdrawnand these winning lists will receive SMS and download links to Shenzhen at 6:00 p.m. on October 12. They can query their winning situation through the ideal Luohu activity of I Shenzhen app this is also the first public test of digital RMB in China. It represents that digital RMB will be pushed forward. It can be said that this activity is a routine test of digital RMB
countries all over the world are studying the layout of digital currency, while France, Thailand and other countries are also implementing digital currency at present, the research and development of the central bank's digital currency is also in stable implementation. Compared with the world, the research on digital currency in China has been in the forefront. The test in Shenzhen also marks that the digital currency has moved from the closed test to the open test, which means that the digital currency has taken a very important step
Digital currency, I believe you are no longer unfamiliar. With the continuous implementation of the use of digital currency, digital currency has been graally integrated into the society. In the near future, digital currency is likely to replace paper money. In fact, the so-called digital RMB refers to the legal digital currency not yet issued by the people's Bank of China; Digital money electronic payment & quot DC/EP,Digital Currency Electronic Payment{ RRRRR} although digital currency pilot is only carried out on a small scale now, we believe that digital currency will be closely related to our life and we will not be separated from digital currency before long
six pilot test areas will be added to the digital RMB, which are Shanghai, Hainan, Changsha, Xi'an, Qing and Dalian. this is another new area after Shenzhen, Suzhou, xiong'an New District, Cheng and the future Winter Olympic test sites. There are two main reasons why these areas will be added, First, since the digital RMB pilot project, the effect is not ideal. The number of participants, the number of transactions and the amount of money involved in the digital RMB test are not many. Although the relevant parties are actively implementing the digital RMB test, the results are somewhat unexpected; 2、 After the implementation of relevant pilot sites for a period of time, adding some pilot sites can achieve a graal process and lay a better foundation for the real arrival of digital RMB{ RRRRR}
although Alipay and WeChat pay are really convenient for our life, many of them are in the form of charges, and there will be no such fee in the future when digital money arrives. p>
we need to generate currency consensus through digital currency test
before talking about digital RMB, let's talk about the essence of currency. Currency itself has no value, but the national credit endorsement behind it is the use value of currency itself. The recently launched digital RMB is also a policy to promote the internationalization of RMB. At present, the currency in circulation in the world is settled in US dollars, because the United States, through its own military repression, requires the global oil trade to be settled in US dollars. As a result, 70% of the global trade is settled in US dollars. In order to break this settlement method, the use of digital RMB can rece the exchange rate settlement problem between countries, which is why the introction of digital RMB
the central bank's digital currency has opened a new round of pilot. As a test and promotion area of digital RMB, Hong Kong tests it in strict accordance with the rules for the use of digital RMB. This time, the digital RMB is supported by the state, and fully promotes the reform of the financial digital era. The digital circulation and revolution of currency issuance is quietly going on. I hope that the digital currency of the Central Bank of China can seize the opportunity in this revolution and let the people enjoy the dividend in the future digital currency
some of them are agents, and most of them are alterers. They rent a counter to put a small amount of goods, but they sell everything. If you ask, if they don't, they will go to the counter next to get the goods and sell them to you. In this way, they will earn some difference, Because it will be cheaper for them to buy goods.
there are both genuine goods and fake parallel goods. It depends on whether you have acquaintances and whether you know the goods