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wholesale hypoallergenic costume jewelry The Ministry of Commerce announced the "Notice on Printing and Distributing the General Plan for Comprehensive Deepening the Pilot Trade Innovation and Development Pilot", which issued a digital RMB pilot area. At this stage, the digital RMB pilot areas are still "4 1", that is, in the Shenzhen, Suzhou, Xiong'an New District, Chengdu and future winter Olympic venues to carry out internal closed pilot testing, no changes have been changed. Relevant personnel emphasized that in 28 pilot areas such as Beijing, Tianjin, and Shanghai uploaded online, the pilot development pilots were comprehensively deepened.
What is digital RMB? Today, many countries will carry out scientific research on digital currencies in law, but they are different in key technologies, operation management systems, and promotion channels. Digital currencies stipulated in national laws are the people's banks that integrate digital currencies and electronic device payment methods. The goal is to replace part of cash. So what exactly is digital RMB?
It simply speaking, the Digital currency of the People's Bank of China is the electronic version of the RMB. It is not difficult to understand the definition of digital currencies as intelligent RMB cash. When talking about digital currency, everyone's first reaction may be Bitcoin, but in fact, they have a substantial difference in them. Digital currencies like Bitcoin and "Libra" are essentially a virtual item, without national credit, and do not have legal repayment. The Digital currency of the People's Bank of China is a legal currency guaranteed by national credit. At this point, it has the same legal effect as cash.
Os how to use numbers? Along with the depth of mobile phone payment into our lives, the application scenarios of digital RMB should not be sparse. So, how is digital RMB? Is there a difference between the payment methods of electronic devices such as WeChat and Alipay wallets used to use? Without the help of a bank account, it is possible to pay offline. From the perspective of application scenarios, the central bank's digital currency does not count the loan interest. It can be used to use small, retail, and high -frequency business scenarios, which is not different from using banknotes.
The special researcher at the National Financial and Development Laboratory Dong Ximiao: It does not rely on bank accounts and third -party payment accounts. As long as you have digital currency wallets, you can use central bank digital currencies. It is worth mentioning that the central bank's digital currency uses a new dual -offline technology, and it can still be used even without a mobile signal. Dong Ximiao, a special researcher at the National Financial and Development Laboratory: It can also be used conveniently without the network. As long as it is a mobile phone with a digital currency wallet, it can be easily transferred or paid.
will future cash be replaced? Does it mean that future cash may be replaced by future cash? Authoritative experts show that the central bank's digital currency will replace part of the cash in the future, but it will not replace all banknotes. Dong Ximiao, a special researcher at the National Financial and Development Laboratory: In China, there will be a long time in banknotes. Because for a large country with a vast country in my country and uneven economic development level, users have different habits, and cash payment and non -cash payment will be coexist for a long time.
It the digital currency sold by the central bank to replace the paper money and coins in the circulation of goods. This one hundred yuan. Xu Yuan, a senior researcher at Peking University Finance Professor Peking University Digital Financial Research Center: The new digital currency is exchanged for our previous banknotes, so what to do if commercial service banks are going to get this digital currency today? It is necessary to change the previous loan currency, which does not increase the total.
When can you use digital RMB? The actual use of digital currencies also requires a number of links such as theoretical reliability, system stability, and risk controllability. The central bank also stated many times that the schedule of digital RMB has not yet launched. However, we believe that in the near future, we can use convenient and fast digital RMB. rnrn据统计，因为客户开户等全过程都是完全在线上进行的，按人民银行的有关规定，这张数字银行卡只有实现二类卡、三类卡的作用，包含Invest in wealth management, consumption, payment, etc. If you want to withdraw cash, you must go to the bank business outlet before you can do it before you can complete it.
wholesale indian jewelry gallup nm 87301 In terms of consumption habits in recent years, it is estimated that people under the age of 60 have no habit of using RMB cash consumption? Alipay and WeChat have become the way to pay most of the people under 60, and not many people are used to wearing thick wallets to shake on the street. Mobile phones can almost replace entertainment and consumption everything. In addition, who has noticed the change of the fifth edition of 2019? No, the latest version of the RMB has not recognized it. Now the central bank's digital RMB has begun to face again.
Id the digital RMB "cash out" digital RMB red envelopes issued this event can only receive digital wallets in the mobile app. The relevant persons in charge of various banks showed some of the digital RMB innovation applications that are still being improved. In the four units of the ICBC Beijing Xindong'an Sub-branch, the "Welcome to the E-CNY" logo with the "Digital RMB E-CNY" logo. The staff demonstrated the entire process of digital RMB access.
During the existence, the staff selected "other medium -free transactions" on the machine screen, "Digital RMB", and then "Cash to exchange digital RMB". A dialog box appeared on the screen. RMB "APP binding mobile phone number. After the system information is verified, click to confirm that the staff put a hundred yuan banknotes in the inlet according to the system's prompts. After confirming the relevant information, the four words "successful transactions" appeared on the screen. At this time, the balance of the digital wallet has increased by 100 yuan. According to the relevant person in charge of ICBC, ICBC has developed various types of hardware wallets such as visual cards, watch bracelets, and charging treasures. It supports the two parties to pay and pay in areas with poor networks or signals. Complete dual offline payment.
D digital RMB is not a new currency digital RMB. It belongs to the legal currency in the digital form controlled by the central bank. In fact, it is the electronic version of the RMB. The functional attributes are the same as the banknotes and can be regarded as the digital form of banknotes. The digital RMB DC/EP test content has been revealed at present mainly concentrated in retail payment scenarios, covering multiple fields such as living payment, catering services, transportation, shopping consumption, government services, etc. Coexistence can meet the current consumer demand for convenient and efficient payment.
D digital RMB has four major functions: code -scan payment, remittance, receivable, and touch. Code payment is actually similar to WeChat payment and Alipay and other commonly used payment platforms. In addition, digital RMB also supports "touch" payment. This makes people use digital RMB, no network and bank accounts are required. As long as both mobile phones are equipped with DC/EP digital wallets, they can pass " Touching the "dual offline payment", known as the "double offline payment" of both parties to the revenue and expenditure. This function is based on the NFC (recent communication) module of smartphones and UnionPay label payment technology. To put it bluntly, the experience of digital RMB payment and mobile payment may be similar, but there is a clear difference -the mobile payment must be connected to the network, and the digital RMB leaves the network can still be used. At the same time, the payee must not refuse to accept digital RMB.
D digital RMB and WeChat payment and Alipay are very similar, but in fact, the digital RMB has no competitive relationship and is not a dimension. WeChat and Alipay are financial infrastructure. In popular terms, it has a wallet function. Digital RMB is a payment tool and money in the wallet. In the era of electronic payment, the money in the wallet used by WeChat and Alipay comes from the binding bank card, which is a currency issued by the traditional bank system. In the era of digital RMB, ordinary people can still use WeChat and Alipay for payment, but the money in the payment tools not only includes bank deposit currency, but also adds the option of digital RMB.
D digital renminbi just virtualized the cash of our entity, and changed the money from the real sense of being in the hand to the virtual currency in the existence of the network. In other words, digital RMB gives Alipay and WeChat wallets in the money in the "appearance". It is no longer a string of numbers, but has "face" and "skin".
Why do you implement digital RMB? The governor of the central bank said that the digital economy is an increasingly important driving force for global economic growth. The research and development and application of legal digital currencies helps to efficiently meet the public's demand for legal currencies under digital economy, improve the convenience, security and anti -counterfeiting level of retail payment, and promote the accelerated development of my country's digital economy.
The cash still uses martial arts? Research from the International Clearance Bank shows that none of the central bank digital currency models designed by various countries are to completely replace cash, but to be supplemented by cash. Mu Changchun, director of the Institute of Digital Currency of the People's Bank of China, said that the central bank's digital currency must start with paper money and coins in circulation, not to replace all RMB. The balance in the commercial bank account actually exists in a digital form, and there is no need to replace it. Many experts believe that even if the central bank's digital currency is launched, the legal digital currency cannot completely replace cash in a long time, and the two will coexist for a long time.
The summary, in fact, digital renminbi is also a way for mobile payment, but it is just to digitize RMB cash; its existence is to directly exist in your mobile account in the form of numbers, instead of binding banks by binding banks The wallet method of the card method exists; the payment method of digital RMB can be separated from the network; the digital RMB will not kill the cash, and the two coexist for a long time. Therefore, older friends do not have to worry about mobile payment, nor do they have to worry about the confusion of digital RMB's cognition of their own cognition. If you do n’t understand, you can adhere to the original cash consumption method.
davinci wholesale fashion jewelry Picture source: The official website of the Ministry of Commerce of the People's Republic of China
On August 14, the Ministry of Commerce issued the "Notice on Printing and Distributing the General Plan for Comprehensive Deepening the Pilot Trade Innovation and Development Pilot" on the official website. Among them, in Article 93 of the "Pilot tasks, specific measures and responsibilities" of the "Comprehensive Deepening Service Trade Innovation Development Pilot Mission, Specific Measures, and Responsibility Division of Labels, the pilot regions of the Beijing -Tianjin -Hebei, the Yangtze River Delta, the Guangdong -Hong Kong -Macao Greater Bay Area and the central and western regions are launched. Essence
in recent years, many countries around the world have stepped up to study digital currencies, and China is no exception. It is understood that at present, the digital RMB pilot is still "4 1", that is, internal closed pilot testing in Shenzhen, Suzhou, Xiong'an New District, Chengdu and future Winter Olympics scenes has not changed. 28 pilots such as Beijing, Tianjin, and Shanghai, which are popular on the Internet, are actually piloting the development of service trade innovation.
Source: CCTV Finance Screenshot
What is digital RMB?
D digital RMB is the People's Bank of China combining digital currencies and electronic payment tools. Digital renminbi and paper currencies circulating now are equivalent to replacement, and the 1: 1 exchange is implemented, which is the digital replacement of paper banknotes, which is "digitalization of RMB". In short, the central bank's digital currency = electronic version of RMB cash. Unlike other virtual currencies, the Digital currency of the People's Bank of China is a legal currency guaranteed by national credit. At this point, it has the same effect as cash. The goal is to replace part of cash or coins. Board will exist for a long time, and cash payment and non -cash payment will also coexist for a long time.
S source: Screenshot of CCTV Finance
Os how to use digital RMB?
In addition to banknotes, mobile payment has gradually incorporated into our daily life. For example, WeChat payment, Alipay payment, credit card payment, etc. have become a choice of payment methods.
believes that everyone is full of expectations for new currencies such as digital RMB. How is the digital RMB? Dong Ximiao, a special researcher at the National Financial and Development Laboratory, said that as long as a mobile phone with a digital currency wallet, you can easily complete the transfer or payment.
Source: Screenshot of CCTV Finance
In addition, digital RMB does not rely on any bank account when paying, and can achieve offline payment. That is, without the network, only two mobile phones are needed to touch, and you can transfer the corresponding digital currency in a person's digital wallet to another person's digital wallet account. On the other hand, the bank card is still required behind WeChat payment and Alipay's payment transfer.
What are the application scenarios of digital RMB?
D digital RMB is still in the pilot stage. At present, it is mainly concentrated in small -scale scenes such as retail, transportation card recharge, and catering. With the support of the "Notice", if the relevant technologies of financial institutions are mature and have obtained relevant central bank departments Allows that digital RMB application scenarios may extend to more scenarios such as medical care, education, e -commerce services, tourism, and cultural consumption to further improve the payment efficiency and financial service experience of these scenarios.
In the digital RMB, what do netizens think of?
In the news of the test of digital RMB pilots, Sina Technology initiated online voting on "Which payment method do you usually choose". As of now, there are still a lot of netizens who have chosen "looking forward to digital RMB".
screenshots of Weibo
The netizens understand and support for digital renminbi, and some netizens also hope to achieve universal global.
In information source: Ministry of Commerce of the People's Republic of China, CCTV Finance, 21st Century Economic Herald, Xinhuanet, China Economic Net
jenny's wholesale jewelry Digital RMB is used on the digital mobile terminal. When paying, you can pay as long as you show your QR code.
wholesale jewelry for boutiques When using digital renminbi, you should first obtain digital RMB at the designated place. When using a specific APP, you should complete the payment.