What are the good development advantages of digital RMB?

The digital RMB that I can think of is the same as that of Alipay WeChat payment. Nowadays, there is nothing wrong with these two, and we all use it very much. But there are often many negative news in banks. Why don't I use digital RMB? I have the same worry as I deposit the bank.
The is basically not, it is a chicken rib. First, the amount that can be traded is small, and large transactions cannot be used at all. Second, both parties to the transaction must install the same wallet application software in order to modify the amount of the other party's mobile phone. This is complicated. Do you have to install the wallet software recruited by the agricultural industry?
It people say that foreign trade transactions can be traded, and they are even more imaginative. Foreigners install Chinese wallet software that is not used for eight lives? Where can I spend the money? Ask you to install a foreign wallet software, will you install it?
It digital currency also has a fatal danger, that is, it is cracked by genius hackers, recharged, and directly disrupts finance.
The cashless transactions are already very developed, and there is no more chicken rib.

D digital renminbi as the first truly government -endorsement currency, which is the so -called digital currency of other bitcoin and so on. At this stage, the digital RMB is still in the test application and is not complete. Therefore, the scenes and application methods we apply are immature, so we cannot simply understand whether digital RMB is good or bad.
D digital RMB is just a digital form of RMB. The launch of digital RMB will change not only us. It will change the world. At this stage Well, the next application of various applications will be handed over to the market. Banks can develop their own application scenarios according to different directions such as individuals, enterprises, and foreign trade, and set various convenient and efficient methods. Looking at the current test, its advantages have not been discovered by people. First of all, pocket money for children. Now children also have mobile phones. Parents have not used cash for a long time. They often open a bank card or bind themselves to their own. The bank card, so there was a child where the children played the game, and the digital renminbi solved this problem well. The second family also has a mobile phone, but it is often Alipay. WeChat uses difficulties in use. It is particularly older. However, when you lose numbers and passwords, you will be wrong. It's quite large, and the digital currency can be solved well. If it is fixed to the elderly's digital wallet, the merchant sets the amount to make the elderly confirm the payment and complete the payment. There are nanny in the third family, opening digital money, and daily expenses are clear every month without checking the babysitter's personal account.
This is only a foundation at this stage. There are two benefits to introducing digital RMB online. It is convenient for retail companies. A few days. The second is that there are no third parties to intervene in payment, and the merchants must improve their services to allow customers to dare to pay directly. They are required to improve the integrity of merchants, and at the same time provide customers with better services. More important things are better and better merchants can leave the platform to grow, instead of squeezing those places like this.

D digital RMB came into being. The development of its development is multi -faceted and multi -level. In terms of demand and supply, in line with the footsteps of financial supervision reform, it has strongly hedged private currency development; it is also in In the current international political and economic environment of Bobo, the current complex and changing international political, economic and financial environment, and promoting and ensuring important means to promote and ensure the smooth progress of RMB internationalization and cross -border payment.
In terms of demand, the birth of digital RMB (digital payment) is not only the result of the booming digital economy represented by the e -commerce platform, but also reflects the objective demands of the digital economy seeking breakthrough in the currency field.
In terms of supply, digital RMB is an important strategy of fintech to promote the digital transformation of the financial system and the precision of currency accounting in the cash field. It is also an inevitable trend of the transformation of the currency form from the physical form to the digital form. Integrate to the dynamic competition and multi -solution of the dynamic competition and multi -solution of the dynamic technical operation structure of the Digital RMB (DC/EP) project.
It in terms of financial supervision, the trial of the digital RMB retail terminal will be the core financial infrastructure carrying transaction data and information. It will also provide basic data such as consumer finance and anti -money laundering supervision for regulatory departments. At the same time, the issuance of digital RMB will help relieve the disorderly development of the private digital currency market and improve the stability of the financial system. Because digital RMB has controllable anonymity in design, all types of illegal financial behaviors can be prohibited or found the source of financial violations through traceability to ensure the stable development of financial and economic systems. Digital RMB parts replace private digital currency circulation and transactions, which not only alleviate the pressure of financial supervision in the digital economic environment, but also prevent the risk of over -financial innovation and prevent excessive speculation.
It's internationalization of RMB and cross -border payment, digital RMB can not only become an international financial infrastructure that promotes the internationalization of RMB and globalized financial globalization. And the liquidation system is possible to implement unreasonable monitoring and long -arm jurisdiction in international economic and financial activities. With the emergence of digital currencies (including legal digital currency and private digital currency), new digital financial infrastructure with digital currency as the core may weaken the strength and dominant position of the US dollar in the international currency and financial system to provide motivation for the internationalization of the RMB And opportunity.
In short, digital RMB conforms to the continuous development of China's economy, the continuous improvement of national income and living standards, and the objective needs of economic, financial structure upgrades and digital transformation. This is the most solid foundation and guarantee to promote the development of digital RMB. It can be seen at the current pilot stage that the development of digital RMB has significant advantages in institutional guarantee, scene landing and development paths.
The system guarantee advantages. Unlike the current international currency and financial systems led by the US dollar representing the benefit of global private capital, the basic system of Chinese society determines that China's currency and financial systems represent the public and social interests. This is the most important system guarantee to promote the development of digital RMB. Essence The People's Bank of China started to develop digital RMB as early as 2014. At the same time, decisively decided on the digital RMB design plan. First, the retail central bank digital currency that had greater potential benefits to the society and the public. This is conducive to improving service efficiency in the field of currency finance, expanding the scope of financial services, and better promoting financial inclusiveness and inclusiveness. At the same time, the central bank has strengthened its ability to control the monetary system and better achieve financial stability. On the basis of adhering to the public sector and maintaining national currency sovereignty, digital RMB takes RMB digitalization as an opportunity and starting point, actively participate in the digital transformation and upgrading of global finance and currency systems, promote the international development of the RMB, and achieve a win -win cooperation pattern.
Ingue and scene advantages. Since 2020, the People's Bank of China has launched digital RMB pilots and testing in Shenzhen, Suzhou, Xiong'an New District, Chengdu and Winter Olympics venues. In August 2020, the Ministry of Commerce of China issued the "Notice on Printing and Distributing the General Plan for Comprehensive Deepening the Pilot Trade Innovation and Development Pilot", which clearly proposed that in the Beijing -Tianjin -Hebei, the Yangtze River Delta, the Guangdong -Hong Kong -Macao Greater Bay Area and the central and western regions Essence As of the end of August 2020, more than 6,700 pilot scenarios were landed nationwide, covering the fields of living payment, catering services, transportation, shopping consumption, government service and other fields. The acceleration of digital RMB has consolidated the inertia and scene advantages of my country's legal digital currency. Over the years, the development of third -party payment such as Alipay and WeChat Pay has cultivated non -cash payment habits of Chinese residents. Residents are accustomed to this convenient payment method without cash. In 2019, my country's mobile payment accounted for more than 60%of personal consumption expenditure. In 2020, the number of mobile payments in my country accounted for nearly 60%of the total population. At present, the People's Bank of China is further expanding application scenarios such as cross -border, cross -institutional payment, and clearing/settlement, and give full play to the advantages of many scenarios of large technology companies.
The technical fault tolerance advantage. In the dual -layer structure of the digital RMB system, the number and type of the second -level participant in digital RMB development include both traditional financial institutions such as commercial banks, information and telecommunications service providers, and each of non -cash payment services pioneers. E -commerce platform. Digital RMB adopts dynamic, competitive, and multi -plan dual -layer technology and business system, which is precisely the use of China's competitive and fault -tolerant advantages as a big country to avoid failure caused by errors from technological selection and cause a significant impact on the financial and currency systems. China has a large population, large market, and digital RMB can accommodate a variety of technical solutions under the double -layer structure. It adopts multi -solution parallel development and pilot to implement a competitive and dynamic survival of the fittest evolution mechanism. Stable development can also promote the continuous innovation and improvement of technology in the process of competitive evolution, thereby avoiding monopoly hindering financial innovation and new technologies.
Cur currency digitalization is the general trend!
Thinking of a word: Gold and silver are natural currencies, but currencies are not necessarily gold and silver.
The currency after tens of thousands of years of development, from the renewal iterations from the objects, the copper currency, the gold silver, the banknote check again and again, it can be found that they are all for better transactions, that is, for the economy, that is, for the economy, that is, for the economy, that is, for the economy development of.
It, including the current banknotes, a more good -looking paper. The reason why the purchasing power is based on the currency function given by national credit. Everyone recognizes its purchasing power. The currency gradually became a carrier. Based on this premise, in the era of all things in the future, it is understandable that currency becomes a piece of information.
has seen a movie a long time ago, and I can't remember the specific plot. It is said that in the future world, people shop, take a car, watch movies, get salary, and complete the transaction as soon as they extend. From birth to death, everyone has an independent account. The money has become a point, without 1 yuan, 2 yuan, 10 yuan, 50 yuan, all of which are calculated according to points. These "money" is like being born. The same is incredible in the human gene.

D digitalization of RMB. In general, it is to improve efficiency and better economic development.
1. This is a virtual currency issued by the state, with a state endorsement, and the future is immeasurable. 2. At present, few countries in the world are using legal digital currencies. , Whether there is a network can pay, this is better than the current Alipay and WeChat;