Judging from the current situation, in the business outlets of state-owned banks, customers only need to go through the white list and experience the use of digital RMB. A few days ago, many citizens said that it had been opened.
"In the future, digital RMB payment will become a popular payment method, just like the popularity of WeChat and Alipay." A state-owned bank employee said emotionally.
Recently, according to the Shanghai Stock Exchange, the digital RMB testing process is accelerating. According to the report, six major state-owned banks, including industry, agriculture, China, construction, communications and postal savings, have begun to promote digital RMB wallets.
"You can apply for a digital RMB personal wallet by scanning the QR code." ICBC staff are inviting users to participate in the digital RMB test at the outlets.
Unlike WeChat and Alipay, the bank wallet APPlied for in the digital RMB app has a certain limit. At present, the cumulative payment limit on the initial day is only 1 1,000 yuan, but according to industry sources, you can apply for an upgrade in the future.
From the perspective of application scenarios, many application scenarios have covered digital RMB. At that time, Internet giants such as JD.COM, Meituan and Gome, as well as large physical shopping centers such as Shanghai Metro and Huijin Department Store, all began to accept digital RMB as the payment currency.
In the consumption scene, banks are also preparing to access special scenes such as chain restaurants, shopping and logistics. This means that the consumption scene of digital RMB will be further covered.
In the period when China's digital RMB is developing in full swing and gradually becoming a citizen, the central banks across the ocean are also very busy.
According to a recent report of the Bank for International Settlements, the development of digital currency, the global central bank, is entering an "advanced stage".
In the fourth quarter of 2020, a questionnaire sent to 65 central banks around the world showed that 86% of the central banks indicated that they were conducting research or experiments on digital currency-the central bank. According to the forecast of the Bank for International Settlements, in the next three years, the central bank with one fifth of the world's population is likely to issue the General digital currency.
The Bank of Japan said that it plans to start an empirical experiment in digital currency this spring; South Korea has also made substantial preparations for digital currency in 2020, and has completed the first phase of R&D work; The president of the European Central Bank said that he hopes to make the digital euro a reality within five years.
With the continuous advancement of global digital currency work, a particularly important trend is that a new era of human currency history will open, and the process of cashless for all mankind will be greatly accelerated!
In the eyes of domestic citizens, with the popularity of WeChat payment and Alipay, people's demand for cash has been far reduced, and electronic cash can basically meet all daily consumption needs, so it is a trend to implement digital RMB.
Different from WeChat and Alipay, the emergence of digital currency is not only a simple electronic payment, but also may profoundly affect the global payment system.
Regarding the future of digital currency, what is most worthy of our attention is that if digital currency is popularized all over the world, it will undoubtedly weaken the advantage of the United States.
As the most important reserve currency in the world, the international community's dissatisfaction and distrust of the hegemony of the US dollar has increased rapidly over the years. During the epidemic, the United States relied on the hegemony of the US dollar to release water on a large scale, and frantically printed money to pass on the crisis, which made the global R&D sentiment around digital currency increasingly high.
In recent years, many countries, including China, want to reduce their dependence on the US dollar. Against this background, it is generally believed that the US dollar will become a "big loser" as countries accelerate the research and development of central bank digital currency.
The data shows that about 40% of global trade is denominated in US dollars, while 88% of global foreign exchange transactions are mainly denominated in US dollars. The economic and trade settlement between countries is mostly mediated by US dollars, and the remittance payment settlement channel is mainly the SWIFT system initiated by the United States. If you can't join the SWIFT system, it means that it is difficult to carry out international payment and settlement business, which makes SWIFT an important means for the United States to sanction other countries.
Therefore, the establishment of a brand-new clearing and settlement network has become the consensus of many countries in the world. And if you really want to get rid of the dependence on SWIFT system, the emergence of digital currency is the best opportunity to change.
Cai Zhichuan, president of the Asian Blockchain Society, said that digital currency, the central bank, will get rid of the US-controlled SWIFT system and may become a new alternative to the international payment mechanism SWIFT.
The emergence of digital currency will break the international monopoly of the US dollar settlement system, so that countries around the world no longer need to reserve a large amount of US dollar foreign exchange, and the days when the United States lies down to print money will come to an end. At present, this conclusion is being highly recognized by people all over the world. What do you think of this?