Cycling, ordering takeout, charging phone bills, watching movies, booking hotels... The pilot of digital RMB is gradually penetrating into all aspects of our life. On the first day of the lunar new year, the reporter of China Securities Journal and China Securities Taurus bought a pile of new year's products in the supermarket with digital RMB. When paying, you can also see the identification of digital RMB at the cashier.
Ms. Lu, who lives in Chaoyang District, Beijing, told reporters: "I saw the digital RMB logo in the supermarket last May and have been paying attention to it. I also participated in the previous digital RMB red envelope grabbing activity. After opening the digital RMB account, I found it very convenient, the whole process of use is very smooth, and the supermarket clerk's operation is also very skilled."
BLT boutique supermarket photographed by our reporter
On the eve of the Spring Festival, many places have also distributed digital RMB red envelopes to residents to help residents spend during the Spring Festival. Among them, the six major commercial banks organized by Shenzhen, including China agriculture, industry, construction, transportation and postal savings, have issued a total of 25 million yuan of digital RMB red envelopes, covering life services, large supermarkets, catering consumption, retail supermarkets, sports tourism and other fields. Xinjin District of Chengdu also issued 26900 digital RMB consumption red envelopes, including 16900 66 yuan red envelopes and 10000 88 yuan red envelopes, which can be consumed at designated merchants in Xinjin during the event. Agricultural Bank of China Suzhou Branch also launched the activity of "one million red envelopes for the Lunar New Year" for Agricultural Bank of China's silver holding customers.
diversified consumption scene highlights
In early January this year, the digital RMB app (pilot version) was publicly launched in Apple App store and Huawei application market. As of February 2, Huawei's application market showed that digital RMB (pilot version) had been installed more than 13 million times; Xiaomi app store has also downloaded more than 6 million times.
Source: Huawei application market
Source: Xiaomi app store
In order to meet the peak consumption season of the Spring Festival, meituan recently announced that it will open a digital RMB payment channel for the whole scene of offline consumption of the platform. Users can pay through digital RMB and receive exclusive consumption subsidies when purchasing fresh food, taking a taxi or watching movies.
The online digital RMB payment scenarios include more than 200 offline consumption scenarios of meituan platform, including catering, takeout, fresh food retail, bike sharing, meituan taxi, hotel tourism, film performance, leisure and entertainment. This is also the first time that digital RMB has realized the full scene coverage of the local life service platform.
Source: meituan app
It is worth mentioning that when paying the phone bill, the reporter of China Securities Journal and China Securities Taurus found that China Unicom app can also use digital RMB to pay the phone bill.
Source: Unicom app
At present, the digital RMB pilot is covering offline from online. The relevant person in charge of meituan said that before the arrival of the offline consumption peak of the Spring Festival, meituan opened a full scene digital RMB payment channel under the guidance of relevant departments and provided online consumption subsidies, aiming to enable more users to experience digital RMB and drive the recovery of offline consumption at the same time.
Zou LAN, director of the financial market department of the people's Bank of China, recently introduced that by the end of 2021, there had been more than 8.0851 million digital RMB pilot scenarios, 261 million personal wallets had been opened, and the transaction amount was 87.565 billion yuan. The pilot effectively verified the technical design and system stability, product ease of use and scenario applicability of digital RMB business, It has enhanced the public's understanding of the design concept of digital RMB.
"soft wallet" and "Hard Wallet" will appear in the Winter Olympics
With the upcoming opening of the Winter Olympic Games, digital RMB will become a highlight of Beijing Winter Olympic financial services.
Li Mingxiao, director of Beijing Banking and Insurance Regulatory Bureau, recently introduced that the Bureau guides institutions to innovate and optimize the construction of payment environment, promote the deep integration of digital RMB and Winter Olympic characteristic scenes, and realize the full coverage of seven scenes such as medical and health care and transportation. Enrich the use channels of digital RMB through intelligent self-service machines and tools, ski gloves, Winter Olympic characteristic badges, smart watches and other equipment.
Liu Jin, President of Bank Of China Limited(601988) recently introduced that Bank Of China Limited(601988) is solely responsible for the digital RMB pilot service within the Winter Olympic security red line. During the Winter Olympics, BOC will provide two digital RMB pilot services of "soft wallet" and "Hard Wallet". Customers can complete the opening, recharge, consumption, cancellation and other operations of "soft wallet" through their personal mobile phone. "Hard Wallet" will provide services in the form of physical wallet. The corresponding physical Winter Olympics exclusive products such as cards and bracelets have names related to the Winter Olympics, some called "ice core" and some called "snow ring".
Liu Jin said that the Winter Olympics themed digital RMB "Hard Wallet" launched this Bank Of China Limited(601988) is China's first digital RMB "Hard Wallet" product launched under the guidance of the people's Bank of China. BOC has created more than 40000 acceptance scenes in Beijing and Zhangjiakou, covering diversified needs such as food, housing, transportation, tourism, shopping and entertainment. During the Winter Olympics, customers at home and abroad can handle the "Hard Wallet" service at Bank Of China Limited(601988) outlets and contracted hotels in the Winter Olympics area, and experience convenient payment at merchants accepting digital RMB.
consumption scenario is expected to continue to expand
Many experts and consumers expressed the hope that in the future, the digital RMB can be extended to all aspects of people's life and constantly expand the consumption scene.
Bank Of China Limited(601988) Li Lihui, the former president, believes that the scenes of catering takeout and shopping are connected with the vast and sinking small and micro businesses. In the next step, it should be deeply extended to all aspects of the real economy and people's life, so that the inclusive nature of digital RMB can fully enable the development of the real economy.
Wang Pengbo, a senior analyst in the financial industry of Broadcom consulting, believes that the results of digital RMB after entering the full experimental stage are satisfactory, which also makes everyone full of expectations that it can serve the real economy and people's life in a wider range.
"From the perspective of digital RMB, it can serve the real economy and people's lives in a wider range, promote the universality and availability of digital RMB, promote the development of small and micro enterprises through market-oriented means, and inject long-term and sustainable momentum into their survival." Wang Pengbo said.
\u3000\u3000 "In the next step, the people's Bank of China will continue to steadily promote the pilot research and development of digital RMB, further deepen the pilot use of digital RMB in retail transactions, living payment, government services and other scenarios, and put the pilot research and development of digital RMB into serving the real economy and people's life, so that more enterprises and individuals can feel the value of digital RMB and fully stimulate all industries Party's enthusiasm. " Zou Lan said.
