kendra scott inspired jewelry wholesale When can the digital renminbi be fully used?

wholesale unique jewelry This article is reproduced from: People's Daily Overseas Edition
The pilots in Shenzhen, Chengdu, Suzhou, Xiong'an New District and other places and future Winter Olympics scenes -
In digital RMB will affect you and me?
wants to transfer the money in the "personal wallet" to others, only two mobile phones are touched, no bank account is bound, and even the Internet does not need -in the future, accompanied by digital RMB into life, These are expected to be realized.
On August 25, the person in charge of the Monetary Policy Department of the People's Bank of China revealed that the research and development of digital RMB is following the principle of "steady, safe, controllable, innovative, and practical". The Winter Olympics venue is performed internally to test the theoretical reliability, system stability, functional availability, process convenience, scene applicability and risk controllability. Immediately, China Construction Bank launched a short test on the mobile banking system on August 28. Earlier, on August 14, the Ministry of Commerce issued the "General Plan for Comprehensively Deepening Service Trade Innovation and Development and Development", which announced that it was piloted in pilot areas with conditions in the Beijing -Tianjin -Hebei, Yangtze River Delta, Guangdong -Hong Kong -Macao Greater Bay Area and the central and western regions.
What is digital RMB? Will cash be fully replaced? When can I use it? Our reporter interviewed.
What is the number of renminbi?
-The functional attributes are the same as banknotes. There are no significant differences in the use of mobile payment at this stage
In imagination of 2022, the Beijing Winter Olympics attracted tourists from all over the world to buy some Winter Olympics around the Olympic Games. Products, some Chinese specialty foods, do not need to work hard to calculate the exchange rate at checkout, and do not have to worry about network problems. When you brush your mobile phone, the bill will be paid. All this may become a reality with the implementation of digital RMB.
has repeatedly mentioned digital RMB this year. What exactly is digital RMB?
"The function and attributes of digital currencies are exactly the same as paper money, but its form is digital." Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China. It is not crypto assets that some people understand, but the digitalization of RMB. Yi Gang, president of the People's Bank of China, previously stated that it will launch a package plan to combine digital currencies and electronic payment tools, the goal is to replace part of cash.
For users, there is no significant difference between the use of digital RMB in the future and the use of mobile payment at the present stage. "It can be seen from the issued documents that the issuance mechanism and operating mechanism of digital RMB are different from existing RMB. They are different from existing third -party payment methods, such as WeChat Tenpay and Alipay. There will be no obvious differences in speaking, "said Zhao Xijun, deputy dean of the School of Finance and Finance of Renmin University of China.
Since it is almost used, why do you spend vigorous research and development?
In order to meet the needs of economic development. Zhao Xijun analyzed that due to the continuous progress of the Internet, computing and communication technologies, the economic operation methods have also changed, and many new formats have emerged. In the future, the scale of digital assets will become larger and larger. Use digital RMB to conduct transactions, pricing, liquidation payment and other activities, which will match the digitalization of the economy.
The research and development of digital RMB also involves issues such as RMB internationalization, competition with other currency, and digital economic security. Zhao Xijun said that as the size of the digital economy is getting larger and larger, there are hidden safety hazards with the digital currency of other countries.
"On the one hand, countries have stepped up to study digital currencies. We cannot fall behind in this field; on the other hand, the public's requirements for the safety and convenience of payment are getting higher and higher, and the top -level design of the country is required." Yi Gang said Essence To this end, the People's Bank of China has studied legal digital currency since 2014. At the end of 2017, with the approval of the State Council, the People's Bank of China organized some commercial banks and relevant institutions to jointly carry out the research and development of the digital RMB system (DC/EP). Sun Guofeng, director of the Department of Monetary Policy of the People's Bank of China, revealed at a routine blower of the State Council policies held on August 25 that digital RMB is still in the closed test stage and officially launched no timetable.
What changes will it bring?
-will be parallel with cash; it will not have a greater impact on the existing financial system and the real economy
With the popularity of smartphones and the advancement of mobile payment technology, the use of cash use is less and less useful. The electronic wallet in the mobile phone is getting more and more drum. Does the launch of digital renminbi in the future mean that cash will be fully replaced?
It, a special researcher at the National Financial and Development Laboratory, Dong Ximiao, for a large country like China with vast levels of economic development, users have different habits, and cash payment and non -cash payment will coexist for a long time.
It's positioning of digital currencies by the People's Bank of China, the research and development of digital RMB is not to completely replace existing RMB, but to supplement the role of renminbi cash. Mu Changchun said: "The issuance of digital RMB from the People's Bank of China is to start with paper banknotes and coins in the circulation of digital currencies, not to replace all RMB. The balance in commercial bank accounts has actually existed in a digital form. There is no need to replace it again. "
" Digital RMB and cash parallel may last for a period of time, which depends not only on the development of digital RMB, but also on the acceptance of consumers. "Zhao Xijun said.
will the distribution of digital RMB increase the total amount of RMB in circulation?
The dual -layer operation system adopted by digital RMB determines that its issuance will neither have a greater impact on the existing financial system, nor will it affect the overall economy. According to reports, the People's Bank of China does not directly issue and exchange public issuance and exchange, but first exchanges digital RMB to the designated operating institution, and then the institutions are exchanged to the public. 1 Exchange. This dual -layer operation system is basically the same as the issuance of paper banknotes, so it will not have a great impact on the existing financial system, nor will it have a great impact on the real economy or financial stability.
If Digital Currency Research Institute of the People's Bank of China also stated before that the current closed test of digital RMB will not affect the business operation of the listed institution, nor will it bring the RMB issuance circulation system, financial market and socio -economy outside the test environment. influences.
When can it be used?
-promote the development of the digital economy and give birth to a new format; first pilot in the "4 1" region
The digital economy is the increasingly important driving force for global economic growth, and it is also an important engine for China's high -quality development of China's economy. Essence Yi Gang said that the research and development and application of statutory digital currencies is conducive to efficiently meeting the public's demand for legal currencies under digital economy, improving the convenience, security and anti -counterfeiting level of retail payment, and promoting the accelerated development of China's digital economy.
In future digital renminbi is expected to give birth to a number of new formats. Zhao Xijun said: "The use of digital RMB will have a certain impact on economic activities. For example, virtual products in video games may become digital assets in the future, and then generate related trading platforms; recording, storage and purchase of songs may be further further possible Digitalization. "
At the same time, digital RMB will also bring new content and opportunities to the internationalization of the RMB, which will help promote the further popularization of the RMB settlement worldwide and accelerate the internationalization process of RMB.
In nodes with a lot of benefits, when can it be used?
It is understood that at present, the central banks of many countries around the world are planning to issue digital currencies, and China is at the forefront of the research and development of digital currencies in the central bank.
It this year, good news has continued. In July, Didi Chuxing reached a strategic cooperation agreement with the Digital Currency Research Institute of the People's Bank of China to jointly study and explore the scene innovation and application of digital RMB in the field of smart travel. On August 3, the People's Bank of China held a TV meeting in the second half of 2020 and pointed out that the trial of legal digital currency closed pilots was successfully launched, and the second half of the year will actively promote the research and development of statutory digital currencies.
The specific pilot areas of digital RMB are Shenzhen, Chengdu, Suzhou, Xiong'an New District and other places and future winter Olympics scenes. Why choose this "4 1" as a pilot area?
The executive president of the Digital Economic Research Institute of Zhongnan University of Economics and Law, Pan and Lin analyzed, chose these 4 places for pilots, and there are various aspects such as economics and technology. In terms of economy, the GDP of Shenzhen, Chengdu and Suzhou ranks among the top nationwide, and the digital economy has developed rapidly and has good pre -conditions. In terms of technology, these four pilot areas have advanced scientific and technological conditions; in addition, Xiong'an New District is under construction. The national new district is convenient to promote digital RMB synchronously.
"In the field of new currencies, China seems to have once again gained the advantage of leading other countries led by the United States." The European Times Network recently reported.
Although the central bank has repeatedly emphasized that there is no timetable for digital RMB, as the 2022 Beijing Winter Olympics approach, many people have been looking forward to experience a digital RMB. (Reporter Xu Peiyu

classy wholesale jewelry As early as last year, I told you that digital RMB is related to everyone, and now he has become popular now. Let me talk to everyone today and let you understand it once. The news of the Digital RMB APP was on the hot search. There were 12 cities in the pilot areas. The residents of these cities in Zhangjiakou have begun to experience.


In this open download, which means that the application of digital RMB has been one step forward. Since then, I believe that digital RMB will enter millions of households, and we will also officially enter the digitalization of fiat currency. The era of circulation. In simple terms, he is the same thing in the renminbi in our wallet, but just changed a virtual form of existence. The digital currency app is equivalent to our wallet. The function is relatively simple. , The decline is collecting money.


In together to see what kind of advantages of digital RMB, first of all, the country endorses is safer. Some people worry that they can't touch the money. Without a real sense of security, will the money be put in the app? You must know that he is the legal currency issued by the People's Bank of China. Behind the country is to protect everyone's funds. We don't have to put the banknotes every day. Digital RMB uses a distributed bookkeeping. You can simply understand that there are 100 accountants and will help you withdraw. If there is only one accountant, it may be less. However You have less money in your wallet. Second, you can pay without the Internet. Just like the banknotes in the wallet, you can use it when you pull it out. You do n’t have to worry about the lack of a corner. The other party may not charge it. Third, privacy is better. Use WeChat and Alipay. Behind it is an endorsement of companies such as Ali and Tencent. When paying, merchants or platforms can get our personal information, but using digital currencies, you spent it spent, you spent it spent, you spent it spent, you spent it. How much money and what did you buy, only the central bank knew. Fourth, the transaction is safer.


Inned digital RMB, all trading chains can be traced back, which greatly improves the difficulty of criminals to launder money laundering, that is, who has this banknotes who have arrived in It can be found that corruption and bribery can be found on their hands. In the past, you took two cash to someone's house, and the other party took it with a smile. Even if you know that you know and I know, no one else knows it, but now who gives you this money? It is clear that the people will no longer appear in the name of the people, and the walls are full of beds and the refrigerator are shocking. If you meet a friend who dare not trade with you in the future, then you have to weigh well. Fifth, it is conducive to the central bank to regulate currency. After using digital renminbi, the central bank can see at a glance at a glance. When it is necessary to stimulate the economy or the currency over issuance, the central bank can capture information as soon as possible and formulate corresponding measures in a timely manner. Sixth, save costs. Both banknotes and coins require a lot of costs, and banknotes are prone to damage. New banknotes are produced every year to replace the widely used digital RMB, which can greatly reduce the needs of banknotes and coins. Seventh, some people say that the payment method of Alipay and WeChat is to be replaced? In fact, they are not comparable. WeChat and Alipay are payment methods, and digital RMB itself is money. Its birth in the long run is really threatening to the two major platforms, but they have formed their own ecology at present. Replacement. And Alipay and WeChat's promotion of digital RMB also play a positive guidance role