China issues the national legal digital currency, which has a wide range of RMB equivalent functions.
Therefore, the state must formulate the China-digital currency Law, refer to the unofficial digital currency practice model and international and domestic financial transaction laws and regulations, formulate laws and regulations in China and digital currency, build and guarantee a safe, convenient, interchangeable, mutual recognition and conditional free national digital currency transaction and supervision system and platform, and build a national digital currency law enforcement and security team.
Unofficial digital currency Virtual digital currency, such as WeChat, Alipay, Huobi, Doudou, and self-agreed coin sharing, has been widely used in China for more than ten years, with mature technology and broad market base and scope of use! China citizens who own and use smart phones and computers will not have too much negative resistance!
The state must resolutely crack down on and eliminate international and domestic shadow banks, underground banks, overseas financial capital and economic crimes that endanger the national legal tender security, economic security, financial security and the security of our people's wealth, and ensure the safe, legal and orderly operation and development of domestic and international social economy and people's wealth!
Our digital RMB can be understood as a big upgrade in essence. Only this time, the whole paper money has made a big leap, from the physical state to the virtual state.
So you will find that it is not like Alipay or WeChat, and you can use it by binding a bank card. It must first transfer the money to the digital RMB application before it can be used. From this point of view, it can better reflect that it is an upgraded version of paper RMB, because it is still the same in essence, and you need to take out the money and get it in your hand (in the digital RMB APP) before you can use it. Do you see it?
Therefore, it is not what many people on the Internet say, and it is definitely not to replace Alipay and WeChat. Because of their different nature, they are completely different. Alipay WeChat is a wallet and a tool. Digital RMB is a new form of RMB, in order to further replace paper, and at the same time, it can avoid the troubles and losses caused by counterfeit money to a certain extent. As for convenience, at present, it is better than paper money and lower than Alipay and WeChat.
This is my opinion.