1. Central banks actively deploy the digital currency project.
With the trend of digitalization becoming the currency circulation field, the exploration of CBDC payment by the global central bank to digital currency is also in full swing.
A survey conducted by the Bank for International Settlements on central banks in early 20021found that 86% of the central banks are actively studying the potential of CBDC, 60% are experimenting with this technology, and 14% are deploying relevant pilot projects.
2. Countries/regions actively deploy the central bank digital currency.
Judging from the layout of digital currency, in recent years, central banks of various countries/regions have also started feasibility discussions, R&D or empirical experiments on digital currency, but most countries have not yet issued digital currency. Digital currency issued or planned to be issued by various central banks has different characteristics, and the differences come from the application fields and technologies adopted.
3. Some countries have tried to issue digital currency.
At present, a few countries, such as Africa and Latin America, have tried to issue central bank digital currency. For example, Uruguay has issued digital peso e-Peso, and the reason why this country issued digital currency is to reduce the degree to which the US dollar replaces the local currency. However, after the trial period, it was found that issuing electronic pesos did not help to eliminate dollarization.
4. China's digital RMB layout has made progress in stages.
China's digital RMB layout has made progress in stages. In 20 14, China began to prepare digital RMB, and in 20 19, the layout of digital RMB was accelerated. In 2020, the Digital Research Institute of the Central Bank officially announced the first batch of "four places and one scene" pilot projects, including Shenzhen, Suzhou, Xiong 'an and Chengdu, plus the scene of the Winter Olympics. At present, the pilots have all landed.
In 20021year, the second batch of digital RMB pilots for the public included Shanghai, Hainan, Changsha, Qingdao, Dalian and Xi' an, and "steadily developing the digital RMB pilot test" became one of the ten key tasks of the People's Bank of China.
The pilot fields, scenarios and forms of digital RMB are gradually expanding, and the payment model is constantly being updated. Digital currency can provide online financial products such as loans, wealth management and insurance on the client; The enterprise can provide value-added services such as digital marketing and supply chain management.
—— For more research and analysis of this industry, please refer to the Analysis Report on in-depth Research and Investment Strategic Planning of China Smart Bank by Forward-looking Industry Research Institute.