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Original title: Suzhou citizens welcome online consumption of digital RMB 20 million in red envelopes, “dual offline” wallet to debut for the first time
Our reporter Liu Qi
Following the Shenzhen digital renminbi red envelope pilot, a large-scale digital renminbi red envelope pilot was officially launched in Suzhou. The Suzhou Municipal Government Information Office’s official “Suzhou Launch” WeChat recently announced that at the “Double 12 Suzhou Shopping Festival” event, 20 million digital RMB red consumer envelopes will be issued to eligible Suzhou citizens , with a total of 100,000 red envelopes.
Suzhou digital renminbi consumer red envelopes were issued in the form of a lottery just like in Shenzhen. The lottery registration channel was officially opened at 0:00 on December 5, 2020 and lasted until 24:00 on December 6, and the winning result was announced on December 11. Those who win the lottery can use the “Digital RMB” app to make purchases at designated offline merchants in the Suzhou area from 20:00 on December 11 to 24:00 on December 27, or make purchases at line through Jingdong Mall. In addition, some of the customers who participated in the digital renminbi consumer red envelope lottery will be selected to participate in offline wallet experience activities.
The “Securities Daily” reporter pointed out that there are several important differences between the RMB digital red envelope pilot from Suzhou and the previous pilot from Shenzhen: First, in terms of quantity and investment objective, Shenzhen used to have 50,000 red envelopes of 200 yuan for a total of 10 million yuan. The amount of the Suzhou pilot program has been further increased. Applicants in the former Shenzhen pilot only need to live in Shenzhen, but applicants for the Suzhou pilot must have one (or more) normal social security payment records within Suzhou City in the past three years (monthly), or home or temporary registration Lives in Suzhou City. The second is the further expansion of participating banks. Previously, the only banks participating in the Shenzhen pilot were the top four banks in China’s agricultural and construction industry. This time, the Bank of Communications and the Postal Savings Bank of China have been added as participating institutions. The third is the first offline wallet test. On October 22 this year, Mu Changchun, Director of the Central Bank’s Digital Currency Research Institute, said at the 2020 Financial Forum Annual Meeting: “Following the pilot process, new projects will be launched, such as double out of line “The wallet has been fully developed and used relatively fluently, and will be applied in the next pilot process.” Therefore, this Suzhou pilot test is also the first appearance of a “dual offline” wallet.
The so-called “dual offline” payment function simply means that even when there is no mobile phone signal, the mobile payment function can still be used. As long as it is a mobile phone equipped with a digital currency wallet, it can be easily completed by tapping on it. Transfer or pay.
In terms of consumption, the Suzhou pilot increased JD.com’s online consumption compared to the Shenzhen pilot.
The relevant person in charge of JD Digital said in an interview with the “Securities Daily” reporter that the company is confident in the advantages of “technology + industry + ecology”, has been deeply involved in the field of payments for a long time and continues to explore the development of industrial digitization. By participating in the Suzhou digital renminbi pilot project this time, JD Digital provides “technology + services”, connecting the operating agencies and the vast scene, and will continue to cooperate with the Research Institute of the People’s Bank of Digital Currency and the Government. Suzhou Municipal to accelerate the construction of a digital renminbi wallet ecosystem and boost digital. The economy and the real economy are integrated and developed.
Already when the digital renminbi pilot program was launched in Shenzhen, many other urban residents expressed “a lot of envy” and wanted to see the true nature of the digital renminbi. “Some time ago, I started to draw RMB digital red envelopes in Shenzhen, and now it is Suzhou citizens’ turn to grab them. You must participate,” said Suzhou citizen Wang.
Ms. Hu, a Suzhou citizen, told the “Securities Daily” reporter that she set the alarm clock immediately after hearing the news and was ready to “start drinking” as soon as possible. However, many Suzhou citizens said that they always showed network or system busy errors during the registration process. “Suzhou Post” also responded to this, saying that it was mainly due to hot activities.
In addition, many netizens questioned, “Does the digital RMB consumer red envelope activity mean the official landing of the digital RMB?” According to the announcement of “Suzhou Launch”, the digital RMB consumer red envelope activity in Suzhou is only in the digital RMB research and development process. A routine test of the renminbi does not mean that the digital renminbi has officially landed.
“At present, the digital renminbi test in Suzhou remains a routine test, and there is no clear timetable for the full deployment of the digital renminbi.” Lou Feipeng, a Post Bank researcher, told a Securities Daily reporter that the full deployment of the digital renminbi requires more. To enrich the application scenarios, further improve the legal framework and update and upgrade related equipment.
“The digital RMB test is expected to continue to accelerate.” CITIC Securities Research Report believes that after the completion of the Suzhou digital RMB red envelope pilot, the next testing stage is expected to include the expansion of pilot cities. In addition to Shenzhen, Suzhou, Xiongan, Chengdu and Chengdu The tests are held in cities and other regions related to the Winter Olympics; the test scenarios are rich, in addition to consumer subsidies, subsidies, paying taxes and other scenarios may also be involved; The number of participating banks increases, in addition to the China Agricultural and Industrial Construction Bank and Postal Savings Bank, large joint-stock banks and city commercial banks You can also participate in the test.
