Every time special commentator Fu Hongyu
At the beginning of the new year, the digital renminbi suddenly accelerated.
On January 4, the Digital RMB (pilot version) APP 1.0.1.0 was officially launched in major application stores. Prior to this, the digital RMB app was a beta version of targeted invitations. Recently, the General Office of the State Council issued the “Overall Plan for the Pilot Comprehensive Reform of the Market-based Allocation of Factors,” which pointed out that it will increase the supply of effective financial services and support the pilot use of digital renminbi in retail transactions, living payment, and government services.
As one of the 12 pilot cities, the Zhangjiakou competition area of the Beijing Winter Olympics has also recently announced that the payment scenarios within the security red line of the Winter Olympics have basically been covered. 100% of the 5 payment scenarios in the completed venues have been implemented, and the 52 payment points in the uncompleted area have been 100% signed and confirmed to support digital RMB payment acceptance.
This means that our country is ready for the wide application of digital renminbi in diversified scenarios and the characteristic application in the Winter Olympics scene.
In the mobile payment era, third-party payment platforms such as Alipay and WeChat have become mainstream payment methods. Compared with third-party platforms, digital renminbi is more advantageous in many aspects and more “humane”.
First of all, the digital renminbi is a global digital currency that is fully backed by legal tender, which can circulate freely in multiple scenarios. The third-party payment platform is a currency tool endorsed by the enterprise, and there are many restrictions on its use. Offline merchants can choose to refuse to use a certain third-party payment tool to collect payments, but they cannot refuse to accept legal currency endorsed by the country. In addition, digital renminbi can be connected to the transaction interface of any certifiable financial service provider, and multiple online payment scenarios such as takeaway, online shopping, and life payment do not rely on any third-party institutions. Digital renminbi breaks the barriers of payment scenarios and realizes With true free circulation, the common people have for the first time a true “digital currency”. Secondly, digital renminbi supports offline payments. Online transactions can be completed even if there is no network. There is no need to register an account or bind a bank card. This is something that any third-party payment platform cannot do. Finally, the third-party payment platform can only be counted as a “wallet”, and only the digital renminbi issued by the state can be counted as “money”. There is no handling fee for redemption or redemption between the digital renminbi and paper currency, and even Enjoy a variety of discounts when paying.
It can be seen that the promotion of digital renminbi may break the duopoly of Alipay and WeChat and bring about the reorganization of the entire payment ecosystem. This has many benefits for building a robust and vibrant payment ecosystem and can increase the provision of financial services. The competitiveness of the providers has forced them to tilt high-quality resources to the construction and optimization of service scenarios in their future development plans, allowing financial service providers to truly provide users with a user-friendly experience. In addition, the promotion of digital renminbi can also reduce the overall risk of the financial system. The data driving force of the digital renminbi and its “one currency, two banks, three centers” design are designed to monitor bad participants in the market and market or policy turmoil. Providing good conditions will significantly improve the real-time monitoring and supervision capabilities of the payment system.
But at the same time, if the digital renminbi is to truly reshape the payment ecosystem, it must solve the problems of popularization and promotion, ensure that the digital renminbi is widely accepted, and truly “fly into the homes of ordinary people” and become usable by everyone just like banknotes. A currency that everyone can use. In fact, the digital renminbi has great potential for its comprehensive popularization. Its offline payment feature expands the use of scenarios to remote mountain villages where the network is not yet developed. It can reduce the “digital divide” by digital means and make everyone accessible. Enjoy convenient online payment.
In addition, digital renminbi has more opportunities for synergy with new technologies such as blockchain and big data. The transaction records are fully transparent and traceable, which can not only bring a good ecology of the payment system, but also avoid the operating risks of third-party institutions. , Fund risk, privacy leakage risk, solve the payment security problem from the root cause. In order to adapt to the consumption habits of all citizens, broaden the coverage of digital renminbi users, and solve the problem that the elderly have difficulty understanding the cumbersome mobile phone operation steps, digital renminbi has also introduced a “hard wallet” that uses smart visual cards to replace mobile phone payments. The problem of online payment for special groups such as the elderly and the handicapped has made digital renminbi a necessary option for cashless payment.
However, the digital renminbi will also usher in new challenges. Mu Changchun, director of the Central Bank’s Digital Currency Research Institute, once pointed out that because the central bank’s digital currency is easily targeted by hackers, security is the primary task of system development and requires a complete security and risk management mechanism. In addition, the strengthening of the acceptance environment and the improvement of the “digital currency” regulatory framework are also advancing simultaneously.
The promotion of digital renminbi is a vivid footnote to the prosperity and development of Digital China, and it is also a more diversified and universal humanized payment environment. More convenient payment methods, more diverse payment scenarios, and a wider range of users make the digital renminbi a truly “life-changing”, and a highly user-friendly payment environment is about to come. The upcoming Beijing Winter Olympics will become an international “new business card” for the comprehensive construction of digital RMB payment scenarios and the writing of digital China.
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