Li Bo said that before the nationwide promotion of digital RMB, the following three steps should be done: First, continue to expand the pilot scope. At present, the central bank is considering more scenarios and more cities, such as piloting in the Winter Olympics, so that digital RMB can be used by both international and domestic users; The second is to further build the infrastructure and ecosystem of digital RMB to improve security and reliability; Finally, it is necessary to build a corresponding legal and regulatory framework to supervise the digital RMB.
At present, digital RMB (pilot version) APP has been launched in Apple App Store and various Android application markets, and 1 1 regions have been registered in China, and more and more people are beginning to enjoy the convenience of digital RMB.
Digital RMB (E-CNY), also known as digital currency Electronic Payment (DC/EP), is the legal tender in digital form issued by the People's Bank of China. It is operated by a designated operating organization and exchanged with the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, which is equivalent to paper money and coins. It has value characteristics and repayment, and supports controllable anonymity.
The concept of digital RMB has two key points. One is that digital RMB is legal tender in digital form; Another point is that it is equivalent to paper money and coins. Digital RMB is mainly located in M0, that is, cash and coins in circulation. Mainly positioned as cash payment voucher (M0), which will coexist with physical RMB for a long time, and is mainly used to meet the public's demand for digital cash and help inclusive finance.
At the end of 20 19, the digital RMB began to be piloted, including scenes of ten cities and the 2022 Beijing Winter Olympics. Some cities have also introduced digital RMB green travel, low-carbon red envelopes and other usage scenarios. In July, 20021,the People's Bank of China issued a white paper on digital RMB. By the end of 2002165438+2,31day, the number of pilot scenarios of digital RMB has exceeded 8085 1 10,000, and 26 1 10,000 personal wallets have been opened, with a transaction amount of 87.565 billion yuan.