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Original title: RMB digital wallet appears for a short time, financial fraud awaits opportunity
The digital currency pilots that concern all the people are welcoming the new trends. Recently,Construction benchThe launch of a renminbi digital wallet has sparked heated discussions, and even money circles have seized the advertising “business opportunity.” A reporter for Beijing Business Daily noted that although the appearance was less than a day, there are many cryptocurrency institutions taking the opportunity to promote the “hitchhiking” digital currency to stimulate investment in cryptocurrencies. In the opinion of analysts, the central bank digital currency hotspot is one of the commonly used methods for promotion in the money circle. For this reason, it is necessary to have plans and skills to clean the money circle, do a good job in consumer education, and eliminate money circle interference in legal digital currencies.
On August 29, it was reported that the official China Construction Bank app showed that China Construction Bank’s personal digital currency wallet had been launched. At present, the application has added two submenus, “Digital Wallet Top-Up” and “Digital Currency”, and users can link bank cards. Open directly.
However, on the afternoon of August 29, a reporter for the Beijing Commercial Daily found that China Construction Bank had closed this feature, and the page already showed “This feature has not yet officially provided services to the outside world, so stay tuned.” . According to another source, this feature is currently only available in some pilot areas.
A person who has opened a China Construction Bank renminbi digital wallet introduced to a Beijing Commercial Daily reporter that after entering “Wallet Management”, the function items displayed on the page mainly include “deposit to wallet “,” transfer wallet “,” transaction details “and” link account “. “See red envelopes”, “Payment by credit card”, “Cancellation of wallet”, etc. There are nine services in the wallet, which are opening or cancellation, cash change, account cash withdrawal, account cash return, transfer, loss report, upgrade and downgrade, bank card link, and waiver services. small amounts.
In response to this matter, China Construction Bank responded to a reporter for the Beijing Commercial Daily saying that on the night of August 28, China Construction Bank carried out relevant functional tests on its mobile banking system, and the tests have now been completed. China Construction Bank also pointed out that the current information online is the test content in the technology research and development process, and does not mean that the digital renminbi is officially issued. The current closed test of the digital renminbi will not affect the business operation of publicly traded institutions, nor will it affect the renminbi issuance and circulation system, the financial market and the social economy outside the test environment.
“As a major state bank, China Construction Bank is a necessary intermediary for the circulation of digital currency. Online digital currency is a test. There may be many details that need to be reconsidered during the test. Therefore, it is a normal process to suspend test before debugging. In the opinion of Chen Wenjun, a professor at the Zhangjiang Research Institute of Fudan University and director of the Digital Economy Research Center, the China Construction Bank’s online digital renminbi wallet means that Technical preparations are generally complete and the full-scale testing phase may come soon.
Liu Feng, Director of the Blockchain Technology and Applications Research Center of the Institute of Artificial Intelligence and Change Management, Shanghai University of International Business and Economics, believes that the central bank’s digital currency tests at various banking institutions fully demonstrate the degree cautionary and central bank determination to fully implement it. It is no longer a secret for major banks to conduct internal tests internally and in different scenarios, but the duration of the test time and the number of test scenarios may be related to the progress and timing of the landing of the central bank digital currency. .
In fact, since August, oversight has repeatedly come out in favor of digital currencies. In the opinion of Li Quan, professor of finance at Nankai University, director and chief economist of the Federal Securities Reserve, several institutions have launched digital currency tests, which has a profound impact on the market. On the one hand, it helps to find a possible existence in the process of digital currency applications. Technical deficiencies must be corrected in a timely and accurate manner. On the other hand, institutional testing is also an active attempt to commercialize applications and reforms. Not only must consumers recognize and accept digital currency, but in the future financial institutions must be familiar with the ins and outs of digital currency. To provide good service to customers.
However, while regulatory agencies are accelerating the opening of the “front door”, some monetary institutions have seized the opportunity to promote the “hitchhiking” of digital currency to stimulate enthusiasm for investment in crypto currency, and there are institutions illegal under the guise of digital currency, through online WeChat groups, Carry out financial fraud to the public through offline forums, road shows and other channels.
“Since June and July, we have received more and more inquiries from high-net-worth clients about buying Bitcoin, indicating that they are becoming increasingly interested in investing in digital currency.” A company positioned as a comprehensive provider of encrypted financial services The money circle agency promoted this publicly. Recently, Beijing Business Daily reporters have also frequently received publicity calls about investing in virtual tokens. The organization claims to be guided by “professionals” and can broadcast live teachings, investment securities listings, and conduct asset appraisals …
Li Quan told a Beijing Business Daily reporter that before the launch of digital currencies, cryptocurrency institutions were also actively promoting and promoting various virtual tokens, and even issuing so-called digital currencies of their own. However, these digital currencies are currencies. pseudo-digital and there are no common methods. What’s more, the issuance of so-called virtual tokens, and even a copy of other tokens can complete the issuance based on a single issuance report, this is an obvious fraud in the cloak of the internet.
“The choice of the access point to the central bank digital currency is one of the commonly used methods for promoting the current money circle. On behalf of the central bank digital currency, more common consumers are being induced to invest in the circle. For this reason, the action of cleaning the money circle must have plans and skills. Consumer education, eliminate money circle interference in legal digital currencies, “Chen Wenjun noted.
Beijing Business Daily reporter Yue Pinyu Liu Sihong
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