Make digital RMB better help the digital economy

The Beijing Winter Olympics shows wonderful, and it has blossomed in 23 pilot areas, providing a stable and safe, general inclusive payment experience ... Since this year, digital RMB application scenarios have become increasingly rich, the scope of pilot scope is expanded, and the tentacles of service have continued to extend. People's livelihood, consumption promotion, and expansion of domestic demand played a positive role.

At present, scientific and technological innovation represented by the digital economy has become an important driving force for developing momentum. To achieve high -quality development in economics and society, objectively, new retail payment infrastructure that needs to be more secure, general and inclusive as a public product, further meet the diverse payment needs of the people, and improve the level and efficiency of basic financial services. Provide strong support for the construction of a new development pattern. As a legal currency in the form of digital forms issued by the central bank, digital RMB is more stable and safe while ensuring efficient and convenient payment experience, and a wider range of applications. Bettering the advantages of digital RMB will help promote the high -quality development of the economy and society, and allow enterprises and the masses to enjoy more financial development dividends.

Customized payment and more accurate policies, providing more effective payment support for digital transformation and intelligent governance. Digital RMB has the characteristics of "accounts, quasi -accounts and values", which can load smart contracts to achieve customized payment, which is conducive to accurately promoting consumption and ensuring direct policy funds. Based on technological innovation, the current digital RMB red envelope has gradually become a new way to accurately promote consumption and expand domestic demand in various pilot areas. Through intelligent contract technology, government departments can set the time and scope of the use of digital RMB red envelopes to improve the accuracy of consumption and effectively boost consumer demand. In the future, these advantages of digital RMB can also play a greater role in digital governance. For example, in the field of targeted payment in fiscal subsidies and scientific research funds, the use of payment can be limited through smart contracts to improve the efficiency of government fund supervision; Supervision.

Settlement is more efficient, use more at ease, and create a more secure and convenient benefit enterprise and the people's payment platform. Digital RMB design takes into account the advantages of physical RMB and electronic payment tools. It has both the characteristics of "payment is settlement" and anonymity of the real RMB, but also has the characteristics of low cost of electronic payment tools, strong portability, high efficiency, and difficult to forge. For enterprises, in the past, the transfer of accounts must be passed through the bank or online banking, and the digital RMB payment is settlement. In real time, it is no longer limited to working hours. The efficiency of turnover continues to help the company's supply chain reduces efficiency. For residents, the characteristics of digital RMB controlled anonymous can provide the public with better and safer payment services, and can prevent risk prevention on the basis of fully respecting privacy and protecting personal information to prevent criminal use.

Finance is more inclusive and more intimate, and in the digital economy era, the public has further reduced the threshold for the public to obtain financial services. Digital RMB is based on a broad account system and supports bank account loosening, which means that even if users do not have a bank account, they can also use the unique identity of the mobile phone number to open the digital wallet for payment. For example, some people in remote areas can directly enjoy financial services such as payment through digital wallets. As a public product, digital RMB -oriented people who are obstacle -oriented and unfamiliar with electronic products have introduced the digital RMB APP and specialized hardware products that are optimized and adapted, which is also conducive to the digital gap and allowing the public Financial Services.

Finance is the core of the modern economy, and fintech innovation injects strong momentum into economic and social development. Nowadays, digital RMB has become increasingly ease of life, making people feel convenient and affordable. With the solid and steady advancement of the pilot testing work, digital RMB will definitely provide more effective support for improving the operating efficiency of the currency and payment system, improving the level of inclusive financial development, and helping my country's digital economy development to a new level. (Wu Qiuyu)

(Wu Qiuyu)

- END -