On August 14, 2020, the Ministry of Commerce issued the Overall Plan for Comprehensively Deepening the Innovation and Development of Service Trade. Comprehensively deepen the pilot tasks, specific measures and division of responsibilities for the innovative development of service trade? Some suggestions: Pilot digital RMB in Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area and conditional pilot areas in the central and western regions. The People's Bank of China formulates policy safeguard measures; First, it will be promoted by Shenzhen, Chengdu, Suzhou, xiong'an new area and other relevant departments of the future Winter Olympics, and then it will be promoted to other regions as appropriate. After the announcement of the "Proposal", the progress of digital RMB has once again attracted market attention, and there are also rumors on the Internet that digital RMB will be piloted in 28 places. 28 pilots? The statement is misunderstood, is the digital RMB pilot area still? 4+ 1? Namely, Shenzhen, Suzhou, xiong'an new area, Chengdu and the future Winter Olympics.
June 65438+1October 65438+20201October Shenzhen Municipal Government and Central Bank issued red envelopes to explore the application of digital RMB. In order to promote the construction of Guangdong-Hong Kong-Macao Greater Bay Area, Shenzhen United People's Bank launched a pilot project of digital RMB red envelopes. This time, * * * distributed 50,000 red envelopes, totaling100,000 yuan. Will these red envelopes be novel? Digital RMB? Form distribution, which is also an important step forward in the digital RMB pilot. Shenzhen digital RMB red envelope pilot test was distributed in the form of lottery, and registration began on the 9 th. Consumers can make an appointment to register on the activity platform through their mobile phones. After the successful bidder installs the mobile phone program according to the SMS instructions, he can get each red envelope without a bank card. This month 12 to 18, these? Lucky? There are 3,389 merchants who have completed the transformation of the digital RMB system in Luohu District of Shenzhen, including supermarkets, restaurants, bookstores and gas stations. Spending more than 200 yuan can be recharged into the digital wallet by binding the bank card.
Digital RMB has the following advantages:
1. Double offline payment. Like paper money, it can meet the needs of electronic payment in places with poor network signals such as airplanes, cruise ships and underground parking lots;
2. The security is higher. If theft really happens, for real-name wallets, digital RMB can provide loss reporting function;
3. Multi-terminal selection. People who are unwilling or unable to use smart phones can choose IC cards, function machines or other hardware;
4. Multi-information intensity. According to the intensity of mastering customer information, digital RMB wallets are divided into several grades. For large payment or transfer, you must use real-name registration system wallet with high information density.