Guangdong, Hong Kong and Macao University of the Yangtze River D

Yes The people's Bank of China formulates policies and safeguard measures; First, Shenzhen, Cheng, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympic Games scene will assist in the promotion, and then expand to other regions as appropriate

but the promotion of digital currency also has certain obstacles, for example, our payment platform today, and these mobile payment also need network, once the network problems, then even can not complete the payment. However, digital currency is different, not only does it need no network, but also will not be limited by time and space, and even does not need handling charges< it's just that digital currency has no interest of real currency, which is also the case that many people are reluctant to use digital currency

What does digital RMB mean when the red envelope of digital RMB officially begins to welcome the new year? According to official news, the Ministry of Commerce has issued the overall plan for the pilot project of comprehensively deepening the innovation and development of service trade, and announced the pilot areas of digital RMB. The plan is clear, and digital RMB pilot will be carried out in Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong, Macao and other pilot areas in central and Western China. Among them, Shenzhen, Cheng, Suzhou, xiong'an New District and other relevant departments of the future Winter Olympic Games scene will assist in the promotion first, and then expand to other regions according to the situation. This is also the first time that the central bank has made clear the pilot work of digital RMB in public documents after it proposed this month that it would actively and steadily promote the research and development of legal digital currency in the second half of the year. In fact, digital RMB is the legal digital currency issued by the people's Bank of China; DC/EP"， They are digital currency and electronic payment instruments. In short, it is the digital substitution of RMB banknote, its function and property are exactly the same as banknote, but its form is digital

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

Digital RMB is the legal digital currency that has not been issued by the people's Bank of China; Digital money electronic payment & quot{ RRRRR}

Digital RMB has the following advantages:

1. Like banknotes, it can meet the demand of electronic payment in places with poor network signals such as airplanes, cruise ships and underground parking lots

2. Higher safety. In case of embezzlement, digital RMB can report the loss of real name wallet

3. Multi terminal selection. People who are not willing to use or can not use smart phones can choose IC cards, function computers or other hardware

4. Multiple information intensity. According to the intensity of customer information, the digital RMB wallet is divided into several levels. Such as large payment or transfer, it must be through the real name wallet with high information intensity