What impact will digital renminbi bring us

What impact of digital RMB will bring us
Id digital RMB will bring us the impact, digital RMB (pilot version) APP is China's legal digital currency -digital RMB official service platform for personal users, digital What impact will the renminbi bring us.
D digital RMB will bring us any impact on January 4th. On January 4th, the digital RMB (pilot version) APP is launched to major Android and Apple App Stores, becoming a focus topic. Some people in the industry pointed out that with the further advancement of digital RMB research and development pilots, or bring more business increases to related enterprises in the industry chain, related companies may also take this opportunity to enter the fast track.
APP to help push digital RMB further
According to reports, although the digital RMB (pilot version) apply released this time, the APP still adopts a white list mode, and is mainly targeted at digital RMB pilot cities and scenes, but not in the case of not There are many iteration upgrades.
The most significant change is the download method. During the previous digital RMB pilot activities, white list users should install the apps through the method of getting installation packages. The installation process is complicated and cannot be downloaded repeatedly. This app can search and download directly in the app store, which is much more convenient than before.

has further optimized on the function and page. The interface is simplified to the three major sections of the "Homepage, Service, and Mine". It is more clear and clear in operation. The characteristics such as "touch one touch" are displayed on the homepage. In addition, it is reported that the pilot app also added functions such as system -level face recognition login and verification, receiving money to account voice, auxiliary verification methods and other functions.
If people in the industry pointed out that the launch of this pilot version of APP simplifies the download method of the app, optimizes the operation of coins and payment, so that merchants and consumers have a better experience. The application of RMB helps to promote. The further popularization of digital RMB has also stimulated the development of related industrial chain.
D digital RMB steadily promoted related fields such as payment or entered the fast lane
The 2022 people's bank work conference held in the last month pointed out that it is necessary to steadily and orderly promote the pilot of digital RMB research and development, and continue to last for 21 years. The RMB research and development pilot promotes the main tone. The Galaxy Securities Research Report pointed out that with the gradual diversification of the pilot scene of the digital RMB, the digital economy, the Winter Olympics and other scenarios support, and the investment value opportunities of the digital RMB industry chain are prominent. It is recommended to grasp the three main lines of security certification, bank IT and payment fields.
Among them, the payment field is affected by factors such as policy promotion and scene expansion. The industry generally believes that it will enter the stage of rapid development. The Everbright Securities Research Report pointed out that with the acceleration of the promotion of digital currency and the approaching time of the overall landing point, the preparation and infrastructure upgrades will gradually accelerate, and companies in related industrial chains will usher in the opportunity to accelerate development. Among them, the three major lines of the three major lines of the hardware market, the bank upgrade and transformation of the bank, the promotion of digital RMB and the scene service company are worthy of attention.

The first batch of payment institutions signed a strategic cooperation agreement with the Central Bank Digital Research Institute Lakara said that the company has obvious first -mover and technical advantages in the digital RMB business. The pilot work of the city, as well as the environmental construction of digital RMB acceptance of the 2022 Beijing Winter Olympics.
Printer information shows that Lakara has completed the upgrade of millions of terminals, enabling it to accept digital RMB, and digital RMB merchants in cooperation with the six major operating institutions have reached tens of thousands. In addition, with the promotion of digital RMB, Lakara can cut into industrial suppliers, scenic spots and other industries that have not yet entered, and open a larger market space.
Acara also cut into the B TO B payment market through digital RMB. B TO B payment market has a strong demand for the use of digital RMB. Currency can not only reduce payment costs than the current, but also operate more conveniently. Therefore, enterprises generally have greater motivation to use currency as mainstream transactions. According to estimates, the scale of B TO B payment can reach 5 trillion yuan.
It's cases of Lakara can be seen that the steady and orderly advancement of digital RMB research and development pilots is promoting the rapid development of related companies in the industrial chain. Some people in the industry predict that with the continuous expansion of digital RMB applications and increasing ecological construction, it will bring more business increases to enterprises related to the industry chain. Among them, companies that have completed their business layout and form a mature product service system may obtain greater benefits.
D digital RMB will affect us 2 Digital RMB can also order takeaway! On January 6, the Red Star Capital Bureau found that the digital RMB APP (pilot version) was launched on the application store. Zhangjiakou) Pilot pilot. The updated digital RMB APP can not only order takeaway, but also pay electricity bills, buy air tickets, and shopping, including more consumption scenarios.

D digital RMB APP update, pilot 12 areas
According to the official introduction, digital RMB (pilot version) APP is the official service platform for piloting of digital RMB to individual users, Provide the opening and management of digital Renminbi personal wallets, exchanges and circulation services for digital RMB.
At present, the digital RMB is still in the regular test stage during the research and development. The pilot area of ​​the pilot area of ​​digital RMB designated operating institutions can register the APP. Users who have a "10 1" digital RMB pilot area can open wallets, namely Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian, and Winter Olympics (Beijing, Zhangjiakou) Essence The operating institutions include ICBC, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, Online Commercial Bank (Alipay), and Weizhong Bank (WeChat Pay) a total of 9 banks.

The operating agency
It is also very convenient to use digital RMB. Search for "Digital RMB APP (pilot version)" in the app store. After downloading Passwords and agreed related agreements can directly open anonymous wallets. After opening, you can also upgrade to real -name wallet as needed.
D digital Renminbi wallet is classified and managed according to the user identity identity intensity. At present, personal digital RMB wallets are divided into four types.一类钱包需要用户提供手机号、有效身份证件、本人银行账户、运营机构现场面签，无交易限制；二类钱包需要用户提供手机号、有效身份证件、本人银行账户，余额上限50万元，单The payment limit is 50,000 yuan; the three types of wallets require the user to provide mobile phone numbers and valid identity documents. The balance of the balance is 20,000 yuan, and a single payment limit is 5,000 yuan. The payment limit is 2,000 yuan.

The wallet type
The types of wallets can be upgraded to the second and third categories in the APP. Enter the digital Renminbi wallet payment password, name, ID number, after completing the face test, no need to enter the bank card number, the APP automatically reminds the transfer to the phone that has been installed on the mobile phone to complete the binding. Completed, convenient and fast.
This can be collected by touch
D dual offline payment has completed technical verification
Thenone in the APP also attracted much attention. For example, the "sub -wallet" function, users can choose to provide the application of digital RMB payment through this function.
The Red Star Capital Bureau found that Android users in Beijing are currently involved 43 merchants including shopping, travel, life, tourism and other categories. In addition to Meituan takeaway, Tencent Video, Baidu (09888.HK), Ctrip Travel, Didi Chuxing, Suning Tesco (002024.SZ) and other commonly used APPs can use digital RMB.

Sonic wallet
An example of ordering takeaway as an example, add "Meituan" child wallet to the digital RMB app, and then use Meituan Takeaway to pay Essence

The takeaway can use digital RMB
It is reported that this is also the first important action of digital RMB scene support agencies since the major application market has officially launched the major application market.
D digital RMB APP also launched the "touch" receipt and payment function. At present, Android mobile phones support the "touch" merchant label and terminal receivable. Apple mobile phones only support the "touch" merchant label collection. If the user opens the NFC function of the mobile phone, you can use the APP to "touch" to pay.
If in the information in the digital RMB APP, the double -line payment of digital RMB has completed technical verification and enters the design stage of supporting standards and standards. In order to ensure the unified experience of users, the current version has not yet provided the public with dual offline payment functions. Double offline payment refers to the use of digital RMB during the transaction and the terminals of both parties are offline. The pain points are expected to solve.
is worth mentioning that the Winter Olympics also catalyze the further landing of digital RMB. It is understood that the Beijing Winter Olympics Village plans to open the village on January 27, and the digital RMB will be piloted at the relevant scenarios of the Beijing Winter Olympics.
Liu Yuling, member of the Party Committee and Deputy Director of the Central Bank Camp Management Department, previously stated that around the pilot application of digital RMB in more scenes around the Beijing 2022 Winter Olympics, it has successfully landed 355,000 Winter Olympics scenarios to achieve Winter Aoan Insurance Red -line diplomatic links, catering accommodation, shopping consumption, tourism, tourism, medical and health, communication services, and ticket entertainment. At present, chain stores such as Wangfujing, Century Jinyuan and Wumi Supermarkets in Beijing have supported digital RMB consumption. Tourist destinations such as Badaling Great Wall, Forbidden City, Yuanmingyuan and some signing hotels can also use digital RMB.
On January 6, CITIC Construction Investment Securities Research Report pointed out that the 2022 Beijing Winter Olympics will also carry out the largest digital RMB pilot. The pilot of the Winter Olympics scene is implemented. In the future, digital RMB is expected to achieve large -scale promotion. Banking IT system upgrades, terminal payment equipment transformation, digital encryption, identity authentication, and security chips involved in transaction links will bring business incremental business increases to relevant listed companies The related industrial chain ushered in a large catalytic.
D digital RMB will have the impact on January 4th. On January 4th, the digital RMB (pilot version) developed by the Digital Currency Research Institute of the People's Bank of China was launched in major Android app stores and Apple AppStore. All mobile phone users can be downloaded, but the current account registration function in the APP is only for the pilot area whitelist users, and users outside the area cannot be registered for the time being.
Compared with the previous "test version", the core change of the new version is "expanding". The first is the expansion of distribution channels. In the past, it can only be downloaded from pilot banks to download links to all users through the Volkswagen App Store, and put forward higher requirements for the functions and security of the APP. Secondly, the six pilot areas of Shanghai, Hainan, Changsha, Xi'an, Qingdao, and Dalian have been added. In addition "pattern. In addition, digital RMB operating institutions have expanded from six state -owned commercial banks to 9 state -owned commercial banks to 9 companies including China Merchants Bank, Online Commercial Bank and Weizhong Bank. Digital RMB is following the steady progress of long -term evolution, continuous iteration, and dynamic upgrades. rn rn 　　“10 1”试点并非都是对高水平数字支付需求旺盛的数字经济一线城市，而是基本涵盖长三角、珠三角、京津冀、中部、西部、东北、 Different areas such as Northwest, this means that digital RMB coverage and service groups continue to expand and popularize. This is a digital RMB, as a public product, comprehensively considering factors such as the national major development strategy, regional coordinated development strategy, and various real estate industries and economic characteristics. Internal requirements and performance of infrastructure. On the basis of the early pilot test work, further expanding the pilot areas must not only improve the ease of use and scene applicability of digital RMB products, but also gradually popularize the concept and use of new things to the public.
The online merchant bank (Alipay), and Weizhong Bank (WeChat) of Ant, Tencent, and Weizhong Bank (WeChat) became the question of whether digital RMB would replace electronic payment tools. Digital RMB is a legal currency in digital form, mainly positioning in cash payment vouchers (M0). Different from large settlement, it is mainly used for retail payment and requires electronic payment to form useful supplements. The People's Bank of China issued digital RMB to the designated operating institution, and designated operating institutions such as electronic payment institutions are responsible for redeeming and circulating transactions. This dual -layer operation model is conducive to drawing on electronic payment experience, giving full play to the enthusiasm and creativity of all parties, realizing the safety and efficiency of digital RMB, safe and efficient Running, more full use of the highest level of digital RMB asset safety, support offline payment, and support controlled anonymous advantages.

From a larger scale, the diversified payment method is the basic characteristics and internal needs of mature economies. Digital RMB not only has a complementary relationship with electronic payment tools, but also has a long -term coexistence with the real RMB. In recent years, although the use of cash payments has declined, places where financial services are insufficient, the public's dependence on cash is still high, and the physical advantage of other payment methods has an irreplaceable security advantage. The orderly expansion of the distribution channels, pilot scope, and operational organizations is to strengthen the safety and inclusiveness of digital RMB security and improve the diversity of payment tools. It is expected that digital RMB services will achieve annihilation of multi -group coverage as soon as possible.