RMB upgrade digital currency
digital currency is just a trend and a challenge. The main feature of central bank digital currency is that it is legal tender issued by the central bank and has the same function as RMB on paper money. In fact, the central bank's digital currency is first exchanged by the central bank to banks or other operating institutions, and then by these institutions to the public, In terms of strengthening the function of global resource allocation, this is to continue to promote the expansion of the financial instry, open to the outside world, continue to gather a number of functional and headquarters institutions, and promote the development of the financial instry
Users who promote trade innovation and development, vigorously develop new business models and offshore trade 
online payment methods are relatively sticky, although people can tolerate new things, digital currency should not proce e-money payment in the short term; Impact & quot Looking forward to the long-term future, the implementation of digital currency can play a positive role in tracking abnormal transactions or exploring financial risks. The transaction data generated by digital currency is likely to be incorporated into the personal customer data system. Financial institutions can use big data analysis to accurately outline customer profiles and further tap customer value, The precipitation of these data can also provide the government with effective decision-making basis, realize the wise government and improve work efficiency
The upgrading of RMB is mainly reflected in the change of capital flow carrier. The new round of RMB upgrading can be described as a thorough upgrading. Instead of issuing new banknotes in the past, it directly cancels the continued issuance of most banknotes. Only a small part is reserved for specific people to continue to use, and the rest is upgraded to electronic currency, The exact name is central bank digital currency. As the name suggests, it refers to the digital currency issued by the central bank, which belongs to central bank liabilities, has national credit, is equivalent to legal tender, and has unlimited legal compensation. Central bank digital currency = DC / EP is legal currency + electronic currency + payment platform. It can be understood as the RMB version of mobile payment
In addition, digital currency has many other advantages. For example, it can realize anonymous transfer within the scope permitted by law. In the past, mobile payment will leave traces of both sides when transferring money. This sometimes gives some lawbreakers an opportunity to take advantage of, while digital currency traces will not be left. There is only expenditure and tension, and the accounts of both sides can not be found. Of course, this is for ordinary people, There are traces of use in the central bank, which is called controllable anonymity. And it also has many advantages for anti money laundering crime, because it is directly under the control of the central bank, the central bank can check the detailed transaction records, which has a great contribution to the fight against money laundering crime. On the other hand, it also reces the cost of currency circulation, which is necessary for the issuance, transportation, circulation and scrap of RMB. Needless to say, transportation requires armed escort, circulation is damaged, bank recovery of counterfeit and resial money will also have costs, and finally scrap also need special machine to make pulp. In the case of digital currency, these problems do not exist, and it can be said that there are many benefitsRMB has a history of 72 years since its birth in December 1948. In the history of more than 70 years, although RMB has undergone several major changes, its form as a paper currency has not changed. After the arrival of the central bank's digital currency, it means that RMB will bid farewell to paper currency for the first time in more than 70 years{ RRRRR}
with the advent of the central bank's digital currency, the biggest change has taken place. In the next two to three years, 30% to 50% of RMB will be replaced by the central bank's digital currency. This also means that part of the daily cash business will soon be replaced by the central bank's digital currency. With the change of heart, a large number of bank agent ATMs will disappear from us in a large area. It will not be long, as short as a few months, as long as a year, and you will be able to use the central bank's digital currency on your mobile phone. The wheel of the times will always roll forward without a part of the will. More than 2000 years later, China will become the first country to issue legal digital currency. We believe that this will be the beginning of the great rejuvenation of an ancient nation
The promotion of digital RMB is more like turning the paper-based RMB into the currency used in people's daily life to meet the demand of people's mobile payment. However, unlike the application payment software we use, there is no middleman to convert our currency, and there is no need for them to change their account balance{ RRRRR}
the mobile payment that we usually use is to transfer the money in your account to another person through the bank or through this application payment platform, which is similar to the direct consumption behavior in foreign countries, but there is another intermediary platform, so even if it is popular now, it still has some risks, if there is no intermediary institution, the risk will be reced a lot
With the rapid development of cross-border settlement of digital RMB, digital currency will become more and more convenient in the future
With the development of science and technology, network technology has been applied to many fields. The payment methods of WeChat and Alipay are more and more convenient and convenient. In terms of cross-border settlement, the speed has also achieved rapid progress and development. I believe that in the future development, our RMB payment will appear more technology, bring more convenience to people's lives. In some places, face brushing payment has been realized when paying. When paying, there is no need to enter the password and verification, and the payment is directly made by face, which can be faster when consumers pay the bill{ RRRRR}the development of science and technology has driven the development of many fields. I believe that with the development of science and technology, our digital RMB will make greater breakthroughs and progress in application, and bring more convenience to people's lives