Xinhua News Agency, Beijing, February 15th, title: The digital renminbi is here, how do you spend this kind of money?
Xinhua News Agency reporters Wang Xiaojie and Wu Yu
During the Spring Festival holiday, Beijing's digital renminbi pilot activities were in full swing, and many new features were unveiled.
The digital renminbi red envelopes provide a new payment experience for people who spend the Chinese New Year in Beijing, attracting winners to try online and offline.
Convenient and efficient offline payment "hard wallet" function unveiled
From 21:00 on February 10th to 24:00 on 17th, the winners of the Beijing Digital RMB red envelope can spend at designated merchants in the Wangfujing business district or in the JD App area.
On the afternoon of the 12th, as one of the "lucky ones" who won the lottery, the reporter came to Wangfujing to experience digital RMB offline consumption.
In the Winter Olympics licensed merchandise sales area on the first floor of Wangfujing Gongmei Building, the reporter bought a product with a price of more than 400 yuan.
Through the previously downloaded digital renminbi App, the reporter showed the QR code to the merchant, scanned the QR code with the gun, and completed the payment with the 200 yuan digital renminbi red envelope.
Subsequently, the reporter paid the remaining money in cash.
On the eve of the Spring Festival, Beijing launched the "Digital Wangfujing Ice and Snow Shopping Festival" digital renminbi red envelope pilot activity, and distributed 50,000 digital renminbi red envelopes in the form of "lottery lottery" to individuals in Beijing, each with a value of 200 yuan.
The event attracted 2.52 million people to participate in the lottery, which shows people's enthusiasm for digital RMB.
It is worth mentioning that in this event, financial institutions such as Bank of China and China Postal Savings Bank launched a new exploration-digital RMB visual card "hard wallet".
On the afternoon of the 12th, Chen Yuejin, a citizen of Beijing who was over 60 years old, walked into Wangfujing Wuyutai Tea House. He took out a card and scanned it on the "Healthbao" equipment in the shop to complete the health status inquiry and registration.
Then, he used the card to pay for the purchased goods, and the ink screen window on the card immediately displayed the transaction amount and balance.
"With this card, it is much more convenient to enter and exit public places, and you can pay with just one touch. It is especially suitable for the elderly who have difficulty using smartphones." Chen Yuejin told reporters that this special card is invited It is a digital renminbi passive visual card processed in China Postal Savings Bank.
According to the staff of Postal Savings Bank of China, the digital renminbi passive visual card "hard wallet" is still in the stage of being invited to handle the experience, and it will be given priority to elderly people with deeds in fighting the epidemic in Dongcheng District.
Digital renminbi and cash two-way exchange ATM machine for deposit and withdrawal
The reporter saw at the Xindongan branch of Industrial and Commercial Bank of China on Wangfujing Street that many ATMs were affixed with a red "digital RMB" logo.
Staff of the bank told reporters that these ATMs have all launched digital RMB deposit and withdrawal functions.
The reporter saw that the ATM machine can choose to exchange digital renminbi into cash, scan the QR code on the ATM screen through the ICBC Mobile Banking App and enter the cash withdrawal amount to withdraw the cash.
Of course, in addition to cash withdrawals, ATM machines can also deposit cash in digital RMB wallets, which makes two-way exchange more convenient.
A staff member of ICBC’s Xindong’an Sub-branch introduced that bank ATM machines provide two-way exchange of digital renminbi and cash, which is in line with common people’s habits and can promote digital renminbi further into people’s lives.
The digital renminbi needs to be promoted by all parties in the circulation process.
Pilot activities in many places can see that six banks from industry, agriculture, China, China Construction, Communications and Postal Savings have participated in depth.
However, the use of digital renminbi red envelopes does not need to be bound to any bank card, even if there is no bank account, it can be paid in digital renminbi, which greatly improves the inclusiveness of financial services.
The Winter Olympics theme features distinctive stimulus effects can be expected
The theme of the Winter Olympics is a major feature of this Beijing digital RMB red envelope pilot activity.
Digital renminbi red envelopes can be used in the Winter Olympics franchised merchandise area of Wangfujing Gongmei Building, the "Ice Paradise" in Wangfu Central, the Tiantan Sports Center and a series of sports brand specialty stores.
On the afternoon of the 12th, the reporter saw in the Winter Olympics licensed merchandise sales area on the first floor of Gongmei Building, customers from time to time inquired about the use of digital RMB red envelopes.
The entrance of the building and the cash register are marked with "digital renminbi" signs, and related manuals are also placed at the cash register.
The staff of Bank of China Beijing branch told reporters that as a partner of the Winter Olympics, Bank of China started to implement digital RMB payment scenarios in the Winter Olympic Park as early as May last year.
The Bank of China's participation in the Beijing digital RMB red envelope pilot activities will lay the foundation for further implementation of the digital RMB Winter Olympics application.
"In this event, we also cooperated with China Unicom to launch wearable digital RMB'hard wallets' such as ski gloves, winter Olympic badges, smart watches, etc. These services are still in the invited experience stage." Bank of China Beijing branch staff Say.
According to data from the Bank of China Beijing Branch, in Beijing, on February 11, the Chinese banking system generated 1,206 digital RMB consumption online and 22 offline consumption.
Experts said that the digital renminbi red envelope embodies the function of "smart contract", which stipulates the group, scene and time of the red envelope use, making it more accurate and effective to stimulate consumption.
During the holiday season, the effect of digital renminbi in stimulating consumption can be expected.