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Source of economic information
Original title: Digital RMB expected to expand in later stage of public beta
The digital renminbi is in an orderly implementation of controllable judgments. Following the Shenzhen digital renminbi red envelope pilot, a large-scale digital renminbi red envelope pilot was officially launched in Suzhou. The event will issue 20 million digital RMB consumer red envelopes to eligible Suzhou citizens. Compared to the Shenzhen pilot, this red envelope pilot is not only larger in scale and more participating banks, but also presents online consumer scenarios and performs offline wallet experience testing for the first time.
Industry experts suggest that digital renminbi pilot cities, banks, and application scenarios can be further expanded. It is worth noting that the Hong Kong Monetary Authority and the Digital Currency Research Institute of the People’s Bank of China are studying the use of the digital renminbi for technical testing of cross-border payments and making the corresponding technical preparations. In the future, the application of the digital renminbi in cross-border payment scenarios is worth waiting for.
The official WeChat account of the Suzhou Municipal Government Information Office announced on the night of the 4th that, in order to further promote the digital renminbi pilot test, Suzhou was combined with the “Double 12 Suzhou Shopping Festival” to carry out the consumption of digital renminbi red packets in the Suzhou area. The event will issue 20 million RMB consumer digital red envelopes to eligible Suzhou citizens. Each red envelope amounts to 200 yuan, with a total of 100,000 red envelopes.
The “Double 12 Suzhou Shopping Festival” digital renminbi consumer red envelopes are issued in the form of a “lottery draw”. The lottery registration channel will officially open at 0:00 on December 5 and will last until 24:00 on December 6. “The appointment is made! It will be done in a few seconds.” Mr. Gu, who works at the Suzhou government agency, “took” the signature amount for the digital RMB consumer red envelope at around 7 am on the 5th. registration is successful. We have to wait for the lottery result to know that we have not won the lottery. “
In October alone, the Shenzhen Municipal People’s Government and the People’s Bank of the People’s Bank of China launched a pilot digital renminbi red envelope, which issued 50,000 “Luohu digital renminbi red envelopes” for a total of 10 million yuan to individuals in Shenzhen. This event is the first time since the digital renminbi pilot. Large-scale “open beta”. By the end of the event, a total of 47,573 people had received red envelopes, representing 95.15% of the total number of winners. There were 62,788 transactions paid with red envelopes and the amount of payments in red envelopes was 876,423.23 yuan.
Compared to the Shenzhen pilot, the Suzhou pilot issued a greater number of red envelopes and used a wider range. This event will be held by selected merchants and designated online e-commerce companies who have completed equipment upgrades throughout Suzhou city. According to official information, the city plans to install about 10,000 consumer terminals that can use digital RMB consumer red envelopes, covering shopping malls and supermarkets, daily retail, catering consumption and life services. Suzhou People’s Mall is located in the central area of Suzhou Ancient City. Xie Xiongfei, assistant to the general manager of the mall, said that the training and equipment for more than 400 merchants and cashiers here have been improved. “POS machines are mainly updated remotely online by banks. Once the update is complete, the integrated cash register device is very convenient to use,” he said.
More importantly, online consumer scenarios were first introduced in this pilot.JingdongThe mall helps citizens use the digital renminbi to pay when they buy autonomous explosives, becoming the first online arena to access the digital renminbi in the pilot. Furthermore, this event will also select some people to participate in offline wallet experience activities. The so-called offline wallet experience refers to the way that users do not connect to the back-end system when making transactions or transfers under the condition that there is no network or a weak network, but instead verify the identity of the user , confirm the transaction information and make the payment in the wallet. “This (the central bank’s digital currency) can make payments without the need for the internet. We call it ‘dual offline payment’, which means that both parties can make payments offline. As long as the mobile phone has power, payments can be made even if the entire network is disconnected. ” Mu Changchun, director of the Digital Currency Research Institute of the People’s Bank of China, said earlier. (Along with the second edition)
