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Original Title: Focusing on the Spring Festival Theme in Many Digital RMB Pilots to Add a New Year’s Flair
Source: Daily economic information
Shenzhen, Suzhou “Longhua Digital RMB Spring Festival Red Envelope” Event “Digital RMB · Suzhou New Year Festival JD Special”, “DigitalWangfujing “Ice and Snow Shopping Festival” activity … A new round of RMB digital red envelope pilot activities with the Spring Festival theme in many locations throughout the month of February. Along with this pilot digital RMB activity in Beijing, the RMB digital hard wallet, “digital RMB and cash will be bi-directional. Features such as exchange have also been introduced.
The multiple large-scale public betas of the digital renminbi have laid the foundation for comprehensive promotion going forward. Judging from information recently released by many local governments, RMB digital pilot cities are expanding in an orderly fashion. According to industry experts, test scenarios can be further enriched, cooperation with all parties can be vigorously strengthened, digital RMB function innovation can be accelerated, and a more complete RMB digital ecosystem can be built.
Successful citizens actively participate in the pilot.
In February this year, Shenzhen launched the “Longhua Digital RMB Red Packets for the Spring Festival” event and issued 100,000 RMB 200 yuan digital red packets to Shenzhen Longhua District business entities who purchased social insurance for the Festival of Spring with a total of 20 million yuan. Suzhou launched the “Digital RMB · Jingdong Suzhou New Year Festival Special”. The Suzhou Municipal Government and the Jingdong Group issued 150,000 RMB digital red envelopes to all citizens who worked or lived in Suzhou, each worth 200 yuan, for a total of 30 million yuan. The People’s Government of Dongcheng District, Beijing, organized the “Wangfujing Digital Snow and Ice Shopping Festival” and distributed 50,000 digital RMB red packets to individual consumers in Beijing. Each red envelope is worth 200 yuan, for a total of 10 million yuan.
Previously, the digital renminbi had been tested in multiple rounds in many places, and from the data published in various places, be it Shenzhen, Suzhou, or Beijing, public enthusiasm for participation is very high. Take Shenzhen for example, from 9:00 a.m. on February 1 to 24:00 on February 9, the event ended, 89,724 digital red envelopes were received in RMB, with a used amount of 16,9782 million yuan. At the same time, some of the winners also topped up their digital wallets in renminbi, which implies a total transaction amount of 529,600 yuan.
In Suzhou, more than 1.4 million people met the registration requirements and 150,000 red envelopes were ultimately distributed by lottery. In Beijing, a total of more than 2.52 million citizens registered by appointment, and according to the final distribution of 50,000 red envelopes, the win rate was less than 2%.
In the digital renminbi red envelope pilot activities in many places, successful citizens eagerly spent. Ms. Ning from Beijing said that on February 17, she bought a souvenir badge at the Gongmei Building in Wangfujing for 50 yuan and bought tea at the Wuyutai Tea House for 150 yuan. All he used was “touch”. Payment method. “At first, I was not familiar with the RMB digital application operating interface, but after testing it twice, I became familiar with it. I think that if it is fully implemented in the future, everyone will slowly accept it.” saying.
In the Suzhou “Double Twelve” red envelope pilot program last year, an e-commerce online consumer scene such as Jingdong Mall was introduced for the first time. In this trial in Suzhou and Beijing, many consumers also choose payment scenarios online. “On the night of February 16, I bought cooking oil and milk on JD.com. In addition to 200 yuan, I linked my bank card to recharge the RMB digital wallet. I feel that the whole payment process is very convenient and easy to do.” said Ms. Zhang from Beijing.
“I see the digital renminbi APP push sub-wallet interface including Meituan Bibi, Didi Chuxing, etc. I am eager to see more online payment scenarios in the next step,” Ning said.
More “new gameplay” debut
It is worth noting that at the same time as the Beijing digital renminbi red envelope pilot, the digital renminbi “hard wallet” and the two-way exchange of digital renminbi and cash have also been introduced.
Unlike the previous use of mobile phones to pay digital renminbi, passive video cards, handheld devices and other digital renminbi “hard wallets” that are separate from mobile phones have also appeared in this pilot.Postal Savings BankAs an example, it has launched a passive visual card hard wallet in digital renminbi and a fingerprint card hard wallet with overlapping health treasure functions, realizing the “dual application of a card” of digital renminbi payment and treasure registry. of health. The reporter saw at Wangfujing Wu Yutai teahouse that customers entering the store had the Postal Savings Bank digital renminbi passive visual card rigid wallet and put it into the health treasure device to complete the inquiry and the state register of the health treasure. During the transaction, the payment can be completed with just one touch. The 1.54-inch ink screen can display information such as transaction amount and wallet balance. It has a large viewing area and requires no charge. It is very friendly to the elderly.
Bank of ChinaThe Beijing branch staff also stated that the wearable device was developed by the Bank of China andChina UnicomA variety of jointly launched smart devices, including smart gloves, smart watches, badges, etc., incorporate an RMB digital wallet chip into the device, and payment can be completed with a single touch. It is convenient and fast, suitable for sports or without internet, etc. For scenarios where it is not convenient to use mobile phones, some customers are currently invited to experience it.
To cooperate with this digital RMB pilot activity, ICBC has launched digital RMB deposit and withdrawal functions at 8 ATMs located at Xindongan Sub-branch and Jinjie Sub-branch on Wangfujing Street. This means that the digital renminbi and cash can be exchanged in both directions at these ATMs.
According to industry experts, the digital renminbi is primarily positioned as cash in circulation, which is equivalent to banknotes and coins. The bank’s ATM provides two-way exchange of digital RMB and cash, which is in line withCommon peopleThe habit of consuming also represents that the digital renminbi has entered even more in people’s lives.ICBCThe staff understands that ICBC is gradually promoting the two-way exchange function between digital renminbi and cash in pilot areas across the country.
Pilot cities will be expanded in an orderly manner
Several large-scale public betas of the digital renminbi have laid the foundation for comprehensive promotion in the future. The digital renminbi will first conduct closed internal pilot tests in Shenzhen, Suzhou, Xiong’an, Chengdu, and future winter Olympic venues. Judging from information recently released by many local governments, RMB digital pilot cities are expanding in an orderly fashion.
On February 5, Changsha City launched the “RMB Digital Experience Day” event. The relevant person in charge of the Changsha City Finance Office said in a media interview that since Changsha was officially approved as a digital pilot city in RMB in November 2020, the Changsha Municipal People’s Government and the Bank People’s Central Branch of Changsha have organized ICBC. , Agricultural Bank of China, Bank of China, China Construction Bank and Communications Bank., Postal Savings Bank of China 6 pilot banking institutions and China Mobile Jinke carried out digital pilot projects in RMB in various fields related to payment digital. As of Feb. 2, 3,404 offline merchants supporting digital renminbi payment arrived in Changsha.
In addition, the Shanghai Municipal People’s Government work report in 2021 mentions “promoting a digital RMB pilot program.” In January, the staff canteen of the Tongren Hospital affiliated with the Shanghai Jiaotong University School of Medicine experienced the “hard wallet” of the digital renminbi for the first time. The Zhuhai Municipal People’s Government work report in 2021 mentioned that “to make the Guangdong-Macao (Zhuhai) cross-border financial cooperation demonstration zone bigger and stronger, and strive for the pilot use of digital RMB in cross-border scenarios “.
Industry experts also said that the People’s Bank of China Digital Currency Research Institute is accelerating cooperation with various institutions to promote the construction of a pilot test ecosystem. Peng Fei, head of JD Technology Group’s digital renminbi project, said that in the digital renminbi pilot program, JD Technology provided technology + services. Through rich online and offline consumption scenarios, leading technical capabilities and stable user service capabilities, we are expected to contribute our strength to the green construction of digital wallets in RMB.
“We can further enrich the test scenarios, vigorously strengthen cooperation with all parties, accelerate the innovation of renminbi digital functions, enrich online and offline scenarios, and build a more comprehensive renminbi digital ecosystem,” said Dong Ximiao, chief researcher at China Merchants Union Finance.
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