Since the central bank officially announced the pilot expansion of digital RMB in early April, new news of digital RMB has come from many places in more than a month. On May 22, according to the public information disclosure, the reporter of Beijing Business Daily found that the new scene of digital RMB testing in Chongqing, Xi'an, Hangzhou, Xiamen and other places or the release of pilot transcriptsp align="center">
Xi'an has more than 100000 digital currency merchants
For example, Xiamen tested the financial subsidy fund business. On May 19, Bank Of Communications Co.Ltd(601328) Xiamen Branch, together with the Management Committee of Xiamen area of China Fujian pilot Free Trade Zone, paid the financial subsidy fund of a Xiamen Import and Export Co., Ltd. in the form of digital RMB, realizing the implementation of the first digital RMB financial subsidy fund business in Fujian Province.
In terms of operation process, Bank Of Communications Co.Ltd(601328) opens a digital RMB corporate wallet for the company, completes the limit setting of corporate wallet, sends the fund payment instruction to the second generation payment system by the Acting Treasury, and then allocates the fund to the digital RMB corporate wallet of an import and Export Co., Ltd. in Xiamen, so as to realize the whole process of digital RMB invested by the financial subsidy funds of Xiamen free trade zone. In the view of the industry, the successful issuance of this digital RMB financial subsidy fund indicates that Bank Of Communications Co.Ltd(601328) Xiamen branch took the lead in realizing the interaction between digital RMB and the existing second-generation payment instruments, and also improved the universality and availability of digital RMB.
Hangzhou, which is also the second batch of pilot cities, also has a new action of digital RMB pilot. It is understood that on May 18, the Commerce Bureau of Tonglu County, Hangzhou, in conjunction with the digital RMB pilot bank, issued 5 million yuan of reduced consumption coupons for 44 consecutive days, including no less than 1 million yuan of digital RMB consumption coupons. This is also the first time Tonglu issued consumption coupons in the form of digital RMB.
"The issuance of digital RMB consumption vouchers is also an important measure for Tonglu to boost market confidence, release consumption potential and promote zero social growth." According to Zhong Yan of the Changjiang River, China commerce and trade section of Tonglu County Bureau of Commerce, last month, Tonglu also issued a car purchase subsidy of 3 million yuan for 12 Limited Automobile sales enterprises, sold 836 cars and sold 151 million yuan.
In addition to testing the new scene, many places have also announced the report card of the digital RMB pilot recently. As disclosed on the official website of Chongqing municipal government, the pilot work of Chongqing digital RMB has been started for more than one month. At present, Chongqing has realized the application of digital RMB in many fields, such as transportation and travel, retailer supermarket, livelihood services, medical services, smart campus, tourism, payroll and Internet online payment.
According to the latest data from the Chongqing Business Management Department of the people's Bank of China, as of May 15, more than 12000 merchants in Chongqing could accept digital RMB payment; The city has opened 1066600 digital RMB personal wallets and 42400 corporate wallets. The cumulative number of digital RMB transactions reached 1576700 and the transaction amount reached 288 million yuan.
Xi'an announced that by the end of April this year, Xi'an had more than 100000 digital RMB merchants, opened more than 22 million personal wallets, nearly 1.59 million corporate wallets, and the city's transaction amount reached 6.118 billion yuan. The use of digital RMB basically covers life services, retail consumption, transportation, education and medical treatment, smart people's livelihood, government services, Internet platforms and other fields.
From the perspective of expression, Xi'an will also focus on carrying out a series of various forms of activities to benefit the people in tourist attractions and large business districts, focusing on overcoming the application of digital RMB in key and difficult areas such as government end, tax collection and inclusive financial services, and developing the construction of digital RMB in characteristic demonstration business districts and blocks, so as to speed up the construction of digital RMB ecosystem.
many places set off the "taste fresh" fever of several currencies
It can be seen that over the past month, digital RMB is accelerating its integration into people's lives, and several pilot areas across the country have set off an upsurge of digital currency experience and consumption. In addition to the data published everywhere, the data learned by the reporter of Beijing business daily from meituan platform can also be confirmed. According to its disclosure, as of May 5, more than 4.4 million new users signed up for digital RMB experience activities on meituan platform. During this period, the number of daily currency trading users of the platform increased by more than 50% month on month compared with that before the announcement of the new pilot city, and the daily currency trading amount increased by more than twice month on month compared with that before the announcement of the new pilot city. Among them, a new batch of pilot urban residents are particularly enthusiastic about "tasting fresh" coins.
For example, in Xiamen, many chain supermarkets, convenience stores and core business districts have begun to support digital RMB payment, attracting many consumers to experience offline. In Hangzhou, Guangzhou and other cities, due to the advantages of no handling fee and convenience, many businesses actively recommend digital RMB to customers. According to the data of meituan platform, among the users who signed up to experience several currencies, residents from new pilot cities accounted for nearly 60%.
"At present, the scenario applications such as financial subsidies and consumption vouchers in the new pilot areas are further copied from the previous pilot experience in different regions, showing that the pilot method is becoming more and more mature." Yu Baicheng, President of zero one research institute, told the Beijing business daily, "In addition to the pilot cities, the areas not included in the pilot are also being included in the next five-year plan for financial development. It is not difficult to speculate that the scope and depth of the pilot will be further expanded in the future to achieve full coverage of application scenarios in the pilot areas. In addition, the formulation of laws, regulations and standards related to the digital people's currency is also the focus in the steady pilot process of the digital RMB."
For subsequent scenario Innovation, Wang Pengbo, a senior analyst in the financial industry of Broadcom consulting, said that in the long run, b-end enterprise service is a scene worthy of in-depth exploration, such as transfer payment, rural finance, credit services, prepayment, government services, etc. such scenes closely combined with the characteristics of digital people's currency are worth exploring, so as to effectively form and improve the use frequency of users. In his opinion, we can also explore the innovation of operation mode in the future. In addition to the previous one-time digital RMB red envelope mode, we can also cooperate with the Internet platform to explore a mode that can cycle for many times and effectively increase the stickiness of users.
