digital renminbi will lead the mainstream, and the QR code is about to disappear? The central bank's move this time is not easy! With the continuous development of the times, WeChat and Alipay have become mainstream payment methods in addition to cash. Recently, the central bank has begun to try to promote digital renminbi in some areas, and it has achieved good results.
So the question is, what is the digital renminbi? Will traditional banknotes be replaced? Will its arrival change the existing payment methods? Will WeChat Pay and Alipay Pay disappear under the impact of digital renminbi?
As a frontier area of reform and opening up, Shenzhen has always been the focus of national economic development. This time, the digital RMB experiment was chosen in this place, and after rounds of rounds After testing, the digital renminbi pilots have received good news one after another. This time Shenzhen Luohu District distributed digital currency red envelopes. In addition to being a big surprise for the 40th anniversary of the establishment of Shenzhen’s economy, it is also a digital renminbi. One of the signs of the official landing of China, does this mean that traditional banknotes have entered the countdown to disappear? Will it be completely replaced?
According to the description of the director of the Central Bank’s Digital Currency Research Institute, the future payment method is probably that as long as the payment and the paid party have power on their mobile phones, then no matter whether the mobile phone is connected or not, as long as the mobile phone has power, touch the two phones. You can make a payment.
According to the definition of digital renminbi, it belongs to legal tender and is a kind of public product. Its advantage is that it will reduce the cost of capital use of the whole society in an all-round way. The most important point is that the digital renminbi will Reduce the deposit of funds in the e-wallet, which means that people can deposit in the bank without any fees. Compared with the current Alipay and WeChat, they also charge related fees. Consumers and individual users will get great convenience. From a long-term perspective, traditional banknotes will gradually disappear, but this process will continue for a long time.
Traditional banknotes will still be a common means of ordinary people’s daily payment within a certain period of time. After all, any reform cannot be achieved instantly.There is always a process of acceptance and change. The digital renminbi is coming soon. Will it have a certain impact on the existing third-party payment pattern? This answer is of course yes, because the full name of the digital renminbi issued by the central bank is Digital Currency Electronic Pay-ment. Referred to as DCEP.
In fact, it is composed of two parts. The first part is a digital currency, which means that the digital renminbi is circulated online, but it can be paid without the Internet. The latter part is electronic payment. That is to say, the main business of digital renminbi is third-party payment, and according to relevant market surveys, digital renminbi, WeChat and Alipay have a large degree of overlap, which means that there must be a competitive relationship between the three, but The digital renminbi is completely different from WeChat and Alipay, because the digital renminbi launched by the central bank is a legal tender.
And this means that you can not accept WeChat or Alipay payment, but you can’t but accept digital renminbi, because it is illegal to refuse to use digital renminbi for payment. This is the most essential difference between the three. After all, it was promoted by the state. At the same time, this time the central bank’s move was not easy. According to the current public information, the digital renminbi does not have risks such as account fraud or privacy leakage, and transactions are basically zero-cost.
The circulation of digital renminbi has a very, very huge advantage that is more conducive to anti-counterfeiting and supervision, because it is completely digital and virtual, that is, it does not need to go through Banks can perform transfers. In other words, you use cash, but it is not cash, but cash on your mobile phone. Nowadays, when many people use WeChat Pay and Alipay to pay, because the transfers used to be Numbers, so many people feel that they can spend whatever they want, and when it comes to withdrawing money,I realized that my money has already been spent, and the digital renminbi can perfectly solve this problem, because in the process of using it, you are equivalent to giving the cash to the transaction, so that it will not be so during the transaction. Whatever it is, for young people, digital renminbi is easy to accept.
After all, young people are more capable of accepting novelties, but is digital renminbi not very friendly to the elderly? During these two epidemics, epidemic prevention and health codes are needed everywhere. There are many online tools such as data itinerary cards. Now that they don’t have a health code and are rejected by the driver, it has become a reality that there is no way to enter the station without scanning the code. Many elderly people say that the development of technology is getting faster and faster. According to the latest statistics released by the China Internet Information Center, the proportion of Internet users over the age of 50 has increased a lot, but more middle-aged and elderly people have gradually begun to fail to keep up with this digital era, and have even begun to be gradually thrown away by them. Behind them, many people were puzzled when they heard the news about the digital renminbi.
I just learned WeChat and Alipay, but this is not hot yet. If digital renminbi becomes the mainstream payment method in the future, do you have to download and learn a new APP? It is a new process of acceptance. Although digital RMB is still far from becoming mainstream, for now, ubiquitous intelligent devices have become the norm. If you can’t use smart devices, then The ultimate consequence is to be abandoned by this era. It may be too early to discuss this issue now, but the popularity of the digital renminbi will come sooner or later. At that time, how to balance infrastructure construction and ageing will move forward together. This is undoubtedly not a big project. What do you think of this screen? Do you think the day when digital renminbi becomes mainstream payment will be far away?
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