Digital RMB is coming, how to spend it?

First, it has the same meaning as paper money. Digital currency is getting closer and closer to us, so how is it different from traditional cash? Mu Changchun, director of the digital currency Research Institute of the Central Bank, said that the function and nature of digital currency are exactly the same as those of paper money, but its form is digital currency. Yi Gang, governor of the central bank, said that digital currency's goal is to replace some cash. Fan Yifei also wrote in the book that the existing paper money has high cost of issuing, printing, returning and storing, high level of circulation system, inconvenient to carry, easy to forge, anonymous and uncontrollable, and is used for money laundering. The demand for digitalization is increasing. Although digital currency has the nature of legal tender, many people think that its usage is very similar to the current mobile payment.

Mu Changchun once described the use of digital currency as follows: As long as you and I have digital RMB digital wallets in our mobile phones, there is no need for the Internet. As long as the mobile phone has electricity, are both mobile phones ok? Touch? Digital currency in the wallet has been transferred to another person. But it is revealed that digital currency can carry information in the future. Someone used digital currency to imagine the future consumption scene: you bought a suitcase in a luxury store, and when you paid, the smiling clerk suddenly looked at you and said? Sorry, you can't use this money. With the signature of charitable donation, it can only be used to buy charitable supplies.

The central bank began to study the legal digital currency on 20 14. Digital currency Research Institute was formally established on June 20 17. By April 2020, the number of patent applications for digital currency and its related contents will reach 22, 65 and 43 respectively. Covering the whole process of distribution, circulation and use in digital currency, it has formed a complete industrial chain. However, at the routine policy briefing in the State Council on August 25th, Sun Guofeng, director of the Monetary Policy Department of the Central Bank, pointed out that the digital RMB is still in the internal closed testing stage, and there is no formal issuance schedule. ?

At present, the world's major central banks are studying and exploring digital currency's new? Battlefield Huachuang Securities said that in 20 19, more than 80% of the world's central banks participated in the digital currency study, more than 40% of the central banks have entered the pilot stage of digital currency, and nearly 10% of the central banks have reached the landing stage. From an insider's point of view, digital currency's advanced layout will be produced? Listen to thunder in a quiet place? Effect. Although digital currency Research Institute of China People's Bank emphasized that online transmission of DC/EP information is a test content in the process of technology research and development, it does not mean that digital RMB has been officially issued. The current closed examination will not affect the commercial operation of listed institutions, nor will it affect the RMB issuance and circulation system, financial market and social economy outside the testing environment.