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Original title: The digital red envelope in RMB is here again. What is different this time?
New breakthrough in digital RMB pilot test! Following the distribution of renminbi digital red envelopes in Shenzhen, the City of Suzhou will issue 20 million renminbi consumer digital red envelopes to eligible Suzhou citizens in the form of a “lottery”. The lottery registration channel was officially opened on the 5th. What is the difference between this RMB digital red envelope? What new exploration does the digital RMB have? Suzhou’s digital RMB red consumer envelopes once again piqued the public’s curiosity about digital RMB.
100,000 red envelopes increased to 6 banks
On the night of the 4th, once the news broke that Suzhou will issue 20 million RMB consumer digital red envelopes, quickly passed the screen in the circle of friends, and “small partners” in other cities expressed without rodeos his envy. There are a total of 100,000 red envelopes, each worth 200 yuan, making many Suzhou citizens eager to try.
Early in the morning of the 5th, Mr. Gu, a Suzhou citizen, registered for the “Su Zhou Da” app through his mobile phone. “After Shenzhen issued the renminbi digital red envelopes, I have been looking forward to the arrival of Suzhou, which is also a pilot city, hurry up and finally usher in this day,” Gu said excitedly.
Similar to Shenzhen’s latest RMB digital red envelope distribution, participants also need to register online and hold giveaways. Winners can download and register the “Digital RMB App”, receive red envelopes and spend at designated merchants within a limited period.
The reporter learned that the registration of this appointment begins at 0:00 on December 5 and ends at 24:00 on the 6th. Participants on the 11th will be able to find out if they have won the lottery, and the “lucky ones” They can immediately start the “buy, buy, buy” consumer experience. Until 24:00 hours on the 27th, unused red envelopes will be recycled within the validity period.
However, compared to the latest RMB digital red envelope test in Shenzhen, activities in Suzhou have been further expanded. The bank that opened the digital wallet in RMB is based on the four major banks of Industry, Agriculture, China and Construction, and added Bank of Communications and Post Reserve Bank. The project teams led by the six banks are reportedly eligible to participate in this event, and other participating institutions are actively conducting research and development.
Can I participate in this appointment if I do not have the bank cards of the six banks of Industry, Agriculture, China, Construction, Communications and Postal Savings? According to relevant sources, digital renminbi consumer red envelopes are issued to digital renminbi wallets opened by individuals in accordance with requirements, and consumption can be done directly without linking a bank card.
Covering nearly 10,000 merchants
Added online consumption scenarios for the first time
Where can Suzhou issued RMB consumer red digital envelopes be used? The reporter learned that, combined with the “Double 12 Suzhou Shopping Festival” event, RMB consumer digital red envelopes issued this time can be used in nearly 10,000 designated merchants in Suzhou, covering shopping malls, supermarkets, daily retail , catering consumption and life services. , Which covers the main commercial districts of the city and the main supermarkets.
It is worth mentioning that this time the digital renminbi online consumption scenario was launched for the first time, the winners can carry out online consumption through Jingdong Mall.
According to JD.com, winners can use the digital renminbi to pay when they purchase self-operated products on JD.com. In addition, citizens whose delivery address is in Xiangcheng District, Suzhou City, can also choose to use digital renminbi to pay for self-operated goods on JD.com. They can also experience digital renminbi payment without leaving home. Also, during the event, offline stores like JD Convenience Stores may also support digital payments in RMB.
Mu Changchun, director of the People’s Bank of China Digital Currency Research Institute, said that using digital RMB to pay the central bank will not charge any transaction fees, whether online or offline, which can reduce by greatly increase transaction costs and improve the efficiency of the payment system.
The Fanhua Center in Xiangcheng District, Suzhou City, is one of the offline venues where digital renminbi is used to consume red envelopes. “Top to bottom, set.” Sun Xudong, president of Jiangsu Columbus Business Management Co., Ltd., said that Fanhua Center is a commercial center of the company. More than 200 merchants in the center are ready to accept digital transactions in RMB. Staff training and equipment upgrades were completed with the assistance of the bank.
“The red envelopes are used in rich settings and are covered in the main business districts of Suzhou.” The competent person in charge of the Suzhou Local Financial Supervision and Administration Office said that issuing renminbi consumer digital red envelopes can enable Suzhou citizens to experience more diverse and convenient payment services It is also an innovative practice to stimulate consumption and stimulate domestic demand.
No internet payment will debut
Some people may experience offline wallets
In addition to the RMB digital red envelope test, Suzhou also launched an offline wallet experience plan. “This means that in this pilot activity, customers can use applications with digital renminbi offline payment functions to complete transfers or payments through the ‘touch’ of a mobile phone in an offline environment,” said Mu Changchun .
The reporter learned that the offline wallet experience refers to the way users do not connect to the back-end system when making transactions or transferring money under the condition that there is no internet or a weak internet , but to verify the identity of the user, confirm the information of the transaction and make the payment in the “wallet”.
Suzhou citizens who participated in the appointment registration this time can also enroll in the offline wallet experience program through the “Su Zhoudao” app, and have the opportunity to participate in the offline wallet experience. line regardless of whether the digital RMB consumer red envelope is removed. However, you do not need to register to participate in the program. The Suzhou municipal government will work with the operating agency to select some people from the applicants for the experience, and the number will be controlled within 1,000.
The reporter learned from the Digital Currency Research Institute of the People’s Bank of China that offline wallet experience activities have requirements for the hardware of participants’ mobile phones, and only mobile terminals of designated models can participate. The operating agency will instruct the participants to install the “Digital RMB App” that supports the offline wallet experience version function, and activate the offline payment function to experience consumption at designated merchants.
“I am very interested in both RMB digital red envelopes and offline payments. I look forward to making a successful appointment and experiencing the latest and fashionable payment methods in the digital wave,” said Suzhou citizen, Mr. Yuan.
Does not mean digital yuan
Officially landed
The pace of the digital renminbi appears to be approaching. Prior to this, CCB also publicly conducted a digital wallet test in RMB in August.
However, Suzhou said that the launch of this digital renminbi consumer red envelope activity in the Suzhou area is only a routine test in the digital renminbi research and development process, and does not mean that the digital renminbi will officially land .
The central bank has also stated on many occasions that the digital renminbi is undergoing closed internal pilots in Shenzhen, Suzhou, Xiongan, Chengdu and in future venues of the Winter Olympics, and there is no timetable for the official launch.
According to Xinhua News Agency, China Singapore
