Editor's Note: This article comes fromChain reference (ID: lianneican), Author: Internal Reference Jun, reprinted by Odaily with authorization.
Chain reference (ID: lianneican)
Chain reference (ID: lianneican)
, Author: Internal Reference Jun, reprinted by Odaily with authorization.
The digital renminbi red envelope pilot is here! Shenzhen Lianhe Central Bank distributed 10 million "digital renminbi red envelopes" to officially launch the application of digital renminbi.
secondary title"Luohu District of Shenzhen launches digital RMB red envelope pilot"The official Weibo of the Shenzhen Internet Information Office announced on the evening of the 8th that in order to promote the construction of the Guangdong-Hong Kong-Macao Greater Bay Area and combine local policies to promote consumption, the Shenzhen Municipal People's Government recently launched a digital RMB red envelope pilot in conjunction with the People's Bank of China.
In this event, 10 million yuan of "Lixiang Luohu Digital RMB Red Envelopes" will be issued to individuals in Shenzhen. Each red envelope is worth 200 yuan, and the total number of red envelopes is 50,000.
The red envelopes will be issued in the form of a "number lottery draw", and the lottery registration channel will officially open at 00:00 on October 9, 2020. Individuals in Shenzhen can register and apply for the lottery through the "i Shenzhen" activity reservation platform. After winning the lottery, download the "Digital RMB APP" according to the SMS guidance of the lottery winner and activate it.
personal digital wallet
After that, you can receive the "Lixiang Luohu Digital RMB Red Packet".
Participating in this "Life Luohu Digital RMB Red Envelope" personal appointment must meet two conditions at the same time: first, the geographical location at the time of appointment registration is within the administrative area of Shenzhen (including the Shenzhen-Shantou Special Cooperation Zone); second, use a mobile phone in mainland China Number and second-generation resident ID card for appointment registration. Non-Shenzhen residents who work in Shenzhen can also make appointments.
Pay attention! Only those who win the lottery can download the "Digital RMB APP".
The received "Lixiang Luohu Digital RMB Red Envelope" is equivalent to cash, which can be used directly and can participate in other discounts of merchants. Red envelopes can be consumed without threshold at 3,389 merchants within the jurisdiction of Luohu District that have completed the transformation of the digital RMB system. The received "Lixiang Luohu Digital RMB Red Envelopes" do not need to be consumed all at once, but can be used in batches according to the actual transaction situation.
This red envelope can only be used at 3,389 merchants within the jurisdiction of Luohu District that have completed the transformation of the digital RMB system, and cannot be transferred to others or redeemed back to my bank account. The red envelope is valid from 18:00 on October 12 to 24 on October 18. hour. Red envelopes that have not been used beyond the validity period will be taken back by the digital renminbi system.
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More than 6,700 pilot scenarios nationwide
It is worth noting that Fan Yifei, deputy governor of the People's Bank of China, disclosed for the first time more detailed information on the internal testing of the digital renminbi at the 2020 SIBOS annual meeting held online a few days ago. Fan Yifei said that at present, the pilot work has made positive progress, created a series of innovative application scenarios, and realized a variety of safe and convenient payment functions. As of the end of August 2020, more than 6,700 pilot scenarios have been implemented across the country, covering life payment, catering services, transportation, shopping, government services and other fields; a total of 113,300 personal wallets have been opened, 8,859 public wallets have been opened, and transaction transactions There are more than 3.12 million transactions, and the transaction amount exceeds 1.1 billion yuan. It supports multiple payment methods such as barcode payment, face payment and touch. He also mentioned that in order to pay tribute to the medical workers who have made important contributions to the prevention and control of the new crown epidemic, the People's Bank of China and Luohu District of Shenzhen have recently launched a pilot project of digital RMB red envelopes.
It is worth noting that on September 14, Fan Yifei also elaborated on many hot issues of market concern with the title "Analysis of Policy Implications on the Positioning of Digital RMB M0". The article pointed out that from the perspective of the M0 fee system, the digital renminbi is a public product provided by the central bank to the public, and no interest is paid, and the central bank does not charge for services such as exchange and circulation. From the perspective of the M0 issuance model, commercial banks should undertake the function of exchanging digital renminbi to the public. In order to ensure the security and stability of the digital renminbi system, it is necessary to carefully select a commercial bank with relatively strong capital and technology as the designated operating institution to take the lead in providing digital renminbi exchange services. Under the premise of the central bank's centralized management, taking into account stability and innovation, explore the cooperation model between designated operating institutions and other commercial banks and institutions, and jointly provide digital RMB circulation services.
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Let's review the development process of digital RMB together:
In 2014, the People's Bank of China established a special team to conduct special research on issues such as the digital currency issuance framework, key technologies, issuance and circulation environment, and relevant international experience.
In 2015, the central bank issued a series of research reports on the issuance of digital currency, and completed two rounds of revisions to the prototype of legal digital currency.
After a year of demonstration, the legal digital currency model is constantly improving.
On January 20, 2016, the central bank held a seminar on digital currency, which further clarified the central bank's strategic goal of issuing digital currency and determined that legal digital currency will be issued.
In November 2016, the central bank decided to use the digital bill trading platform as a pilot application scenario for legal digital currency, and started the closed development of the digital bill trading platform. And formal pilot development, test the feasibility of the theory with practice.
In February 2017, the Central Bank Digital Currency Research Institute successfully tested a blockchain-based digital bill trading platform. According to the arrangement and deployment of the central bank, the Shanghai Commercial Paper Exchange, together with the Digital Currency Research Institute, organized China Banknote Credit Card Company, Industrial and Commercial Bank of China, Bank of China, Shanghai Pudong Development Bank and Bank of Hangzhou to jointly carry out work related to the construction of a digital bill trading platform based on blockchain technology.
In June 2017, the Central Bank Digital Currency Research Institute was officially established on the 9th floor of Block C of Beijing Desheng International Center. According to the recruitment information, the main research content of the Digital Research Institute includes digital currency legal research, blockchain development, chip design, etc.
At the end of 2017, upon approval, the People's Bank of China organized some powerful commercial banks and relevant institutions to jointly carry out the research and development of the digital RMB system (DC/EP). On the premise of adhering to two-tier operation, cash (M0) substitution, and controllable anonymity, DC/EP has basically completed top-level design, standard formulation, function research and development, and joint debugging and testing.
In September 2018, the "Nanjing Financial Technology Research and Innovation Center" and the "China Central Bank Digital Currency Research Institute (Nanjing) Application Demonstration Base" were officially unveiled. The center is jointly established by the Nanjing Municipal People's Government, Nanjing University, Bank of Jiangsu, the Nanjing Branch of the People's Bank of China, and the Digital Currency Research Institute of the People's Bank of China.
On September 12, 2018, the "Legal Digital Currency Model and Reference Architecture Design" project of the Central Bank's Digital Currency Research Institute won the first prize at the Bank Technology Development Award Review Leading Group Meeting.
In August 2019, the central bank held a work video conference for the second half of 2019. The meeting called for accelerating the pace of research and development of my country's legal digital currency (DC/EP), tracking and studying the development trend of virtual currencies at home and abroad, and continuing to strengthen Internet financial risk management.
On August 10, 2019, Mu Changchun, deputy director of the Central Bank's Payment and Settlement Department, pointed out at the China Finance 40 Forum that relevant personnel of the central bank have started 996 to develop related systems since last year, "now it can be said that it is ready to come out."
In September 2019, the "closed-loop test" of my country's legal digital currency (DC/EP) began, and the simulation test involved payment schemes of some commercial and non-governmental organizations.
