[ad_1]
Original title: Is the digital renminbi coming? The CCB app launches the digital currency wallet. This feature may only be available in some test areas. Source: China Securities Journal
Is the digital renminbi coming?
On August 29, the reporter foundConstruction benchThe app has added two submenus, “Digital Wallet Refill” and “Digital Currency”. However, when users in Beijing area click on the digital wallet recharge module in the CCB APP, it will show “This feature is not available yet, so stay tuned”; click on the digital currency module and it will show “This feature is not officially available for external services, so stay tuned.”
Some sources said that the function can only be opened in some test areas.
Image Source: China Construction Bank App
Many companies speed up design
There have been many rumors about the digital renminbi recently, which are also reflected in the capital market. Judging by the performance of the digital currency sector, it recently hit a new high this year.
Image source:Color ladderwebsite
Some publicly traded companies revealed that they will pay attention to the field of digital currency and actively implement.Qi AnxinOn the interactive platform of the Shanghai E Stock Exchange, it is stated that the digital currency pilot test for security providers will have more market opportunities from the update of financial IT systems to bring new opportunities of security projects . The company has been paying attention and actively deploying.
UboxunHe said that the company has been paying close attention and actively monitoring the dynamics of technologies and applications related to digital currency, and has continued to implement in terms of technology research and development and product development. As the central bank promotes the application of digital currency, UBoxun will also contribute to the digitization of the RMB and the implementation of offline merchant payment scenarios.
Shenzhou Holdings stated in the interim report that itsChina InformationHe has participated in the digital currency test (DC / EP) and related promotional work of a commercial bank, and the electronic payment scenario test involving encrypted digital currency. The digital wallet is one of the important systems required for the subsequent promotion of DC / EP, Shenzhou The information has completed the relevant technical reserves, which can help commercial banks to realize the implementation and promotion of the digital currency in the future.
Ant Group, which is about to go public, made it clear in its prospectus that at the end of 2017, the People’s Bank of China began organizing some powerful trading institutions to jointly develop the digital RMB (DC / EP) system, and Ant Group was one of them.
Ant Group stated that for more than two years, the company has been actively engaged in digital RMB research and development testing. At present, the digital renminbi is still in the pilot testing stage, and related product designs and institutional arrangements are still being iterated and improved.
RMB digital pilot is still “4 + 1”
Although rumors about the digital renminbi continue, according to Zhongzheng Jun, the current pilot of the digital renminbi is still “4 + 1”, that is, the first internal pilot test closed in Shenzhen, Suzhou, Xiongan New Area, Chengdu and future scenes from the Winter Olympics.
Sun Guofeng, director of the Monetary Policy Department of the People’s Bank of China, stated at the press conference of the State Council Information Office that, at present, the research and development work of the digital RMB follows the principles of ” stable, safe, controllable, innovative and practical “, and conducts closed internal pilot tests to verify theoretical reliability. Performance, system stability, functional availability, process convenience, scenario applicability, and risk controllability.
The Shenzhen Municipal Financial Supervision and Administration Office recently stated that in June 2018, the Shenzhen Municipal People’s Government and the People’s Bank of China jointly initiated the establishment of the Shenzhen Financial Technology Research Institute to lay the foundation for the pilot program. of Shenzhen digital currency. Currently, Shenzhen, as one of the four pilot cities approved by the People’s Bank of China, is conducting internal testing of digital currency in an orderly manner under the premise of ensuring security and control.
There is no timetable for the launch, beware of financial fraud
Regulators have repeatedly emphasized that there is no timetable for the official launch of the digital RMB.
Sun Guofeng said that the digital renminbi is still in the closed internal pilot testing stage and has not been officially launched yet. In the next step, the People’s Bank of China will continue to steadily advance the research and development of the digital renminbi, and there is no timetable for the official launch of the digital renminbi.
There is also some fake news in the rumors about the digital renminbi. For example, recently, a rumor that digital currency has been used in second-hand housing transactions in Shenzhen and that large bank transfers cannot be converted into banknotes is circulated on WeChat groups. The relevant person at the central bank refuted the rumor that the current RMB digital pilot application scenario is small retail, and it has not expanded to large payment scenarios, such as real estate transactions. In addition, the digital renminbi is legal tender just like banknotes and can be redeemed bidirectionally 1: 1.
Regarding the current financial fraud of some illegal institutions under the guise of digital currency, Yu Wenjian, director of the Office of Financial Consumer Rights Protection of the People’s Bank of China, said that according to the principle of “one look, two questions , three checks, four no “, all can be detected. The “only look” is to see if the financial performance and interest on the deposit are reasonable; the “second question” means that when in doubt, you should ask formal licensed financial institutions and financial regulatory authorities; The “three checks” are to verify if the financial institution Licenses and licenses with commercial qualifications, verify if the financial products are compliant and verify if the financial announcements are legal and compliant; “Four Gifts” means not to believe in unidentified communication information, not to reveal personal information, not to open unknown network links, not to Transfer money easily.
Massive information, accurate interpretation, all in the Sina Finance APP
