Digital RMB "exploded" and nearly 1 billion yuan
Digital RMB "exploded" and nearly 1 billion yuan was traded. In the next step, we will use digital RMB in more scenarios to build a global digital economy benchmark city with the advantages of smart financial services. The digital RMB "fired out of the circle" and the transaction was nearly 1 billion yuan. Digital RMB "exploded" with a transaction of nearly 1 billion yuan. 1
With the popularity of the digital RMB (pilot version) App, the steady expansion of its business pilot and the "blooming everywhere" of application scenarios, especially with the gradual access of high-frequency livelihood application scenarios, digital RMB is accelerating its integration into public life. According to industry insiders, as the digital RMB has basically achieved full coverage of people's daily life scenes, this may mean that the digital RMB has found a better way to combine with high-frequency consumption scenes, and it will serve the real economy and people's lives in a wider range, while driving the digital RMB to improve its inclusiveness and availability.
Second-speed payment to buy ice pier pier
According to incomplete statistics, consumers in 12 pilot cities and regions of China used digital renminbi to pay through online and offline full scenes this Spring Festival, and for the first time, digital renminbi participated in the Spring Festival consumption season on a large scale. Since the digital RMB (pilot version) App was officially launched in early 222, its sub-wallet has supported pushing to more than 5 platforms such as Meituan, JD.COM, Yitongxing, Didi Chuxing, Tmall Supermarket, Ctrip, SF Express, Online State Grid and iQiyi, covering many scenes such as eating, drinking, clothing, housing and transportation. According to the data of Meituan platform, as of February 7th, during the seven days of the Spring Festival holiday, the daily average number of digital RMB transactions on Meituan platform increased by 56. 4%； The daily average amount of digital RMB transactions on Meituan platform increased by 68% compared with the week before the festival. 54%。
In addition, people in the industry believe that the Winter Olympics is gradually becoming a new opportunity for the popularization of digital RMB. According to the observation of the reporter of Economic Information Daily, both the rich non-contact payment function of digital RMB and the diversified trendy operation have won numerous consumers at home and abroad to experience and praise. In the licensed retail store of Beijing Wangfujing Winter Olympics, the reporter noticed that more and more consumers choose to use digital RMB for payment. Some consumers said that digital RMB is the fastest to use. For consumers who are used to mobile payment, it is safer and more efficient to use digital RMB. You can buy "online celebrity" ice pier in seconds.
It is understood that in order to facilitate people to use digital RMB as much as possible, the relevant departments continued to promote the full coverage of the digital RMB payment acceptance system at the bank acceptance end, merchant service end and personal consumption end during the Winter Olympics, so that the digital RMB consumption scene was expanded to 4. 3,, covering many life scenes such as "food, shelter, travel, travel, shopping and entertainment". At the same time, in order to facilitate foreigners to use digital RMB during the Winter Olympics, the relevant departments have made many optimizations to the operation process of downloading digital RMB App. For example, foreigners who use Apple mobile phones can go to the App Store to search for digital RMB through overseas mobile phone numbers, download and install digital RMB APP, quickly open digital RMB wallets, and exchange digital RMB consumption with cash or bank cards; Foreigners who use Android phones download and install the digital RMB App on the official download page of digital RMB. It is reported that the current digital RMB App supports the registration of mobile phone numbers and the opening of wallets in nearly 1 countries and regions participating in the Winter Olympics.
Providing new traffic portals for small and micro enterprises
In the eyes of the industry, various payment methods of digital RMB, such as touching, scanning code payment and online purchase, are convenient to realize non-contact payment and fully meet the epidemic prevention requirements of the Winter Olympics, while accelerating their integration into public life, helping many small and micro enterprises to obtain new traffic portals. Pan Helin, member of the Expert Committee on Information and Communication Economy of the Ministry of Industry and Information Technology and executive director of the Digital Economy Research Institute of Zhongnan University of Economics and Law, said that the unique advantage of digital RMB is that on the one hand, it provides security and protects the personal information security of users; On the other hand, it provides convenience, especially during the epidemic, digital RMB can realize commodity trading in more scenes, such as offline scenes.
"The use of digital RMB in food and beverage takeout, grocery shopping and other scenes of Meituan shows that digital RMB has achieved remarkable results in the full-scale testing stage." Wang Pengbo, a senior analyst of Broadcom Consulting's financial industry, said that, specifically, first, the underlying technology is increasingly perfect and optimized, which is enough to meet the digital RMB payment and settlement needs of different merchants in different scenarios; Second, the digital RMB began to form a more effective combination with more and more high-frequency life consumption scenarios, and began to serve the real economy and people's lives in a wider range, helping many small and micro enterprises to obtain new traffic portals and supporting the development of the real economy of small and micro enterprises.
Dong Ximiao, chief researcher of Zhaolian Finance, said that the opening of digital RMB payment in the whole scene will help accelerate the pilot promotion of digital RMB, promote the interconnection of payment fields, and facilitate the people's livelihood of entities and people, which has positive significance and demonstration role. With the digital RMB entering the full-scale experimental stage, the starting point and end result of digital RMB research and development and pilot is to serve the real economy and facilitate people's livelihood.
The future development prospect can be expected
Regarding the next development direction of digital RMB, Zou Lan, director of the Financial Markets Department of the People's Bank of China, said at the press conference held by the State Council Office that it is necessary to further deepen the pilot use of digital RMB in retail transactions, living expenses, government services and other scenarios, and put the research and development pilot of digital RMB into serving the real economy and people's lives, so that more enterprises and individuals can feel the value of digital RMB.
With the in-depth application of digital RMB in the Winter Olympics, people in the industry suggest that some explorations can be made at the international level in the future. Pan Helin said that considering that digital RMB can replace part of cash, the future development of digital RMB can not be limited to domestic scenes, and it is suggested that some exploration can be made in cross-border use. Digital RMB "exploded" with a transaction of nearly 1 billion yuan. 2
The Beijing Winter Olympics is an important scene for the promotion of digital RMB. Athletes, team officials and media reporters from all over the world can experience digital RMB payment in Winter Olympic Village and other places.
In order to enrich the life of "villagers" during the Games, the Sunken Square in Beijing Dong 'ao Village is specially equipped with commercial services such as licensed commodity shops, banks, postal services, haircuts, convenience stores, etc. All businesses can pay in digital RMB.
Foreigners who come to participate in the Winter Olympics and Paralympic Games can exchange foreign currency cash for digital RMB hard wallets and recharge them on this machine. In other words, you can use digital RMB to pay without downloading the corresponding mobile App.
if you download the App, you can complete the payment with a simple "touch". In the Mountain News Center of Zhangjiakou 222 Beijing Winter Olympics, restaurants, unmanned beverage vending machines and automatic coffee machines can all use this payment method.
Wang Ying, Deputy Director of Beijing Local Financial Supervision Administration: The pilot project of digital RMB has covered more than 4, scenes of the Winter Olympics, with a transaction amount of 9.6 billion yuan. In the next step, we will use digital RMB in more scenarios to build a global digital economy benchmark city with the advantages of smart financial services. The digital RMB "exploded" and traded nearly 1 billion yuan. 3
The digital RMB is an innovative attempt of the financial infrastructure of the Winter Olympics.
on February 1th, at the special press conference for the construction of "two districts" in Beijing in 222, Wang Ying, deputy director of Beijing Local Financial Supervision Administration, introduced that the digital RMB pilot project had covered more than 4, scenes of the Winter Olympics, with a transaction amount of 9.6 billion yuan.
One-third of the 222 Beijing Winter Olympics has passed. Ms. Liu, a volunteer of the Winter Olympics, told the reporter of China Times: "All the volunteers and staff I came into contact with basically used the digital RMB APP. In fact, downloading, registering and binding the bank card was completed in a few minutes. We handled the digital RMB hard wallet, and the staff of China Bank gave full guidance. Dining, cafes and specialty stores can be used directly. Now we are quite skilled in using digital RMB.
Financial innovation in the Winter Olympics
Some foreign media believe that in this year's Beijing Olympic Games, VISA will welcome competitors and have to form the electronic payment system of the Winter Olympics together with China's legal digital currency e-CNY * *.
Our reporter learned from a foreign guest attending the Winter Olympics that the opening and consumption of digital RMB are quite friendly. Under the guidance of the staff, the foreign exchange and the download of digital RMB APP were completed in a few minutes, and the digital RMB hard wallet was exchanged for free.
The person in charge of digital RMB of China Bank told this reporter: "Digital RMB supports the full coverage of the Winter Olympics and can be applied by all businesses at the Winter Olympics site."
The reporter noticed that signboards "Welcome to use digital RMB" and "Please use VISA to pay" were placed at the cashier's office of merchants in the Winter Olympics venues.
The reporter learned that at the end of January, 222, the audience policy of the Winter Olympics was changed to "cancel the public ticket sales and organize the audience to watch the game in a directional way", so the people who tried digital RMB at the Winter Olympics mainly included Chinese and foreign athletes, team officials, volunteers, the media, field staff and some audience of directional organizations.
In addition, the number of businesses covered by the Winter Olympics is increasing. On January 1th, the Beijing Management Department of the Central Bank pointed out at the "222 Work Conference" that the pilot project of digital RMB Winter Olympics has been steadily promoted and has successfully landed 35. 5, Winter Olympics scenes. A month later, on February 1, it expanded to 4. 3,, and the promotion of merchant docking is quite rapid.
However, regarding the opening of digital RMB hard wallet and the latest data downloaded by digital RMB APP since the Winter Olympics, the relevant person in charge of digital RMB in China Bank told reporters: "The latest data has not been counted and disclosed yet."
Soft and hard wallets are interconnected for convenient payment
At present, digital RMB is divided into soft wallets (digital RMB APP) and hard wallets (wallet devices with digital RMB chips such as cards and snow rings). Hard wallets include card-type hard wallets and bracelet hard wallets, which can be obtained and used anonymously, which is safe, convenient and fully protects personal privacy, and fully meets the needs of users for small and anonymous payment.
overseas visitors to China can Apply for hard wallets according to their own needs, or they can use their overseas mobile phone numbers to open anonymous four kinds of wallets through the digital RMB app downloaded in China, and exchange cash or foreign cards for digital RMB. Hard wallets within the red line of the Winter Olympics are free of charge and exchanged in equal amounts.
The insider told the reporter: "Because of the loose coupling characteristics of the bank account of digital RMB, it is not necessary to have a bank account to open a wallet. If consumers just want to make small daily consumption, they can open four types of wallets of any operating organization with their mobile phone numbers, and recharge themselves through transfer and 35 bank cards. Foreign guests can also use overseas bank cards and wallets to bind and recharge with them. "
Soft wallets and hard wallets can be interconnected. According to industry insiders, users who have downloaded the digital RMB APP can easily "post a sticker" if they buy the Winter Olympics hard wallet. The "paste-one-paste" function in the digital RMB App can make the soft and hard wallets "interconnected", and manage the hardware wallet intimately on the mobile phone, making the hardware wallet more secure.
our reporter noticed that "paste one paste" can read the device loaded with digital RMB hardware wallet, and open the NFC function mobile phone APP to read the hardware wallet information. "Post a Post" can be used to set the payment password, inquire the balance and transaction details, recharge, report the loss and cancel the hardware wallet, etc. It is very convenient without going to the Bank of China outlet to handle related business.