First digital RMB with them
- Sanya, Hainan digital RMB pilot survey
this reporter ORTHOPEDICS
In Hainan, using digital renminbi to pay is becoming the choice of more and more consumers.
In November last year, Hainan was added as a pilot area for digital renminbi, and it became the only pilot area in the province in China.
Now that one year has passed, what is the status of the pilot?
The reporter came to Sanya, Hainan. In this city with very rich and characteristic consumption scenes, what do you think about the digital renminbi?
Are consumers used to this new experience?
What do businesses think?
"You can scan it with your mobile phone, it is very convenient to use!" In the "Digital RMB End of the World" red envelope consumption activity in Sanya, Hainan, the citizen Chen Fangfang liked the 800 yuan digital RMB red envelope and she experienced digital RMB payment The convenience.
"Many of my friends have downloaded it and it is easy to use. I hope that the digital RMB can be used in more places and more stores in the future."
Hainan is currently the only region in China where the province is piloting digital renminbi.
Since the end of 2019, the People's Bank of China has carried out digital RMB pilot tests in Shenzhen, Suzhou, Xiongan, Chengdu and the 2022 Beijing Winter Olympics.
Starting from November 2020, six new pilot areas will be added in Shanghai, Hainan, Changsha, Xi'an, Qingdao and Dalian.
Now that the Hainan pilot project has been completed for one year, the reporter came to Sanya City, Hainan to see the implementation of the digital renminbi.
New payment experience
This is a brand new payment experience.
After getting on the bus, open the generated QR code for the ride and align it with the corresponding position on the bottom of the credit card machine. The payment process of digital RMB can be completed in less than a second.
Shi Runli, a girl from Sanya, has been commuting by bus.
What she didn't expect was that using digital renminbi to buy tickets would give her a discount when taking the bus.
"One-way generally requires two yuan for the fare. Recently, the bank has launched activities. Digital RMB payment allows you to take a bus at 50% off the fare. You can save two yuan a day and return, which is very affordable." Shi Runli talked about the "source" of the digital RMB. Said that he was opened because of the influence of the sisters around him.
There is a little "regret" in it-"The last time Sanya held a lottery, I didn't believe it at first, but later I saw that a friend won the lottery, and then I knew it was true. Now I bind the digital RMB to the cloud flash payment. , You can enjoy many discounts for daily payment."
No banknotes are needed, just touch or scan the phone to complete the payment.
The convenience of the digital renminbi is admired by the "early adopters".
At the Sanya Jinhe branch of the Agricultural Bank of China, a staff member told reporters, “The biggest feature of the digital renminbi is its higher security performance. It can also effectively reduce people’s transaction costs, improve credit efficiency, and enhance payment convenience. Attractiveness. Since the launch of the digital renminbi pilot work, major banks in Sanya have been actively promoting and introducing installations to customers who come to the bank."
As one of the popular tourist destinations, Sanya is actively helping the digital renminbi be implemented in multiple scenarios such as duty-free consumption, catering, transportation, retail outlets, and cultural tourism.
In order to attract citizens and tourists to actively use the digital renminbi, in September this year, the Sanya Municipal People’s Government and the Haikou Central Branch of the People’s Bank of China jointly sponsored the "Digital RMB End of the World Tour" red envelope consumption activity.
The Sanya city government provided a total of 28,000 digital RMB red envelopes totaling 10 million yuan, attracting about 117,600 people to sign up, and finally selected 27,900 winning users, which caused a lot of response in Sanya.
The event also invited nearly 3,000 off-island tourists from 10 pilot cities and regions to participate, which is a cross-provincial trial of digital renminbi.
More and more people are "early adopters".
From a national perspective, as of October 8 this year, there have been more than 3.5 million digital RMB pilot scenarios, with a total of 123 million personal wallets opened and a transaction amount of approximately 56 billion yuan.
Favorable capital return
To promote the use of digital renminbi, the focus is on improving residents’ awareness, acceptance and frequency of use, which requires digital renminbi wallets to access a wider and richer consumption scene.
In order to learn more about the use of digital renminbi by stores and merchants, the reporter went to Bohou Village in Jiyang District, which is adjacent to the Yalong Bay National Tourism Resort in Sanya.
The scenery here is beautiful, and the homestay economy has sprung up in recent years.
In this small village favored by young tourists, many homestays and shops can use digital renminbi to pay.
Sanya Jiyang Wuyungu Travel Rental Store is the first merchant in the village to respond to the opening of digital renminbi payment services. The owner Peng Weiwei proudly said: “Bohou Village is an Internet celebrity site for Sanya B&Bs. We are the first to open digital renminbi payment. This is very fashionable. Digital RMB payment will become the main method and trend of payment in the future."
In addition to the large number of citizens who are willing to use the digital renminbi, it is particularly important for a large number of businesses to participate in the promotion of digital renminbi. This is exactly what the Sanya Financial Development Bureau is working hard to promote.
Walking into the Sanya Summer Department Store, the reporter saw the digital renminbi promotion posters placed in front of the gate, and the digital renminbi slogans and logos were posted at the checkout counters.
For merchants, the use of digital renminbi has brought them great convenience.
Cashier Chen Ling told reporters: "The red envelope consumption activities launched in Sanya have allowed many citizens to try digital renminbi payment. Coupled with the promotion activities carried out by multiple banks, many citizens use digital renminbi every day. It is very convenient. One thing is that you can pay normally even when you are offline."
Liu Ting, Director of the Finance Department of Sanya Hailv Duty Free City, has been paying attention to the use of digital renminbi in the store recently. What she feels most deeply is, "The use of digital renminbi is very beneficial to merchants, because our daily sales will be credited to the account in real time, without any procedures. It saves money and saves time, which is good for the return of funds, especially for small and micro enterprises that need capital turnover."
In this regard, Peng Weiwei also expressed the same view, "Digital RMB settlement is instantly received, and merchants no longer need to pay third-party handling fees, which is indeed very affordable."
Opening up the situation by distributing red envelopes and holding preferential activities is the first step. Linking resources from all walks of life to build ecological scenes, lengthening users' stay time, and cultivating users' habits are important follow-up tasks for the promotion of digital renminbi.
Since the beginning of this year, Sanya City has closely focused on large tourism, beautiful countryside, leisure centers and other scenes, vigorously promoting the use of digital renminbi in tourist attractions, duty-free shopping, country houses, large supermarkets, star hotels, and residents' daily consumption.
At present, it has achieved full coverage of 4 outlying island duty-free shops in the jurisdiction, full coverage of large-scale supermarkets, full coverage of scenic spots above 2A, etc., and accelerated implementation in the livelihood fields of transportation, natural gas payment, smart campus, medical education, etc., so that digital renminbi can be integrated into citizens All aspects of life.
Facing difficulties in promotion
On November 9, the Governor of the People’s Bank of China, Yi Gang, said in a video speech at the 30th anniversary of the founding of the Finnish Central Bank’s Institute of Emerging Economies that the development of digital renminbi is mainly to meet the needs of domestic retail payments and improve the development of inclusive finance. , Improve the operating efficiency of the currency and payment system.
In order for the digital renminbi to play an important role, it is a prerequisite to continue to promote the pilot rollout, and there is a long way to go to promote it.
The reporter was deeply touched by this during the interview. Hainan encountered some difficulties during the pilot promotion of the digital renminbi.
For example, in Sanya, in addition to locations with better development conditions, there are also some places that have not yet opened up the use situation.
“In order to promote the use of digital renminbi in the store, posters were placed in the lobby, and promotional patterns were posted at the front desk. However, because most of the tourists who came to the store to consume were foreign tourists, it is estimated that digital renminbi has not been promoted locally, so the interest in using digital renminbi for settlement Not high." Peng Weiwei told reporters, "Only when more people use it, more people are willing to use it."
“Digital renminbi can only be bound to debit cards, not credit cards. This makes some young people who are used to credit card consumption unwilling to choose to use it.” Talking about the difficulties encountered in promotion, Liu Ting said.
In Bohou Village, although Internet celebrity homestays have promoted the use of digital renminbi, there are still some shops and night markets that have not been opened.
Not only Bohou Village, but also many small stalls in Sanya, are currently still blank areas for the promotion of digital renminbi.
Jinjiling community is one of the densely populated areas in the urban area of Sanya. When visiting the community, the reporter saw that shops that can use digital renminbi are hard to find. Most business operators have little knowledge of what digital renminbi is.
By opening Hainan’s “Mashang Service” app, the reporter found that Womei Supermarket’s Jinjiling Store was one of the stores that opened digital renminbi in the “Merchant Inquiry” section of the “Hainan Digital RMB Experience Season” event webpage of Bank of China’s Hainan Branch. First, this is one of the few shops in Jinjiling community where digital renminbi can be used.
When it comes to digital renminbi, several cashiers in the supermarket are familiar with each other. Customer service supervisor Sun Jiayin told reporters: "The red envelope lucky draw some time ago, and the recent digital renminbi discount of 20 minus 19 yuan launched by the Bank of China has attracted many citizens. There are many people who come to the supermarket to use digital renminbi to participate. Now that the event is over, the number of customers using digital renminbi is suddenly reduced, and sometimes there is no one in a day." The reporter noticed that the self-service cash register in the supermarket is not yet available. Open the digital RMB settlement function.
At the manual settlement window, almost no customers use digital RMB for settlement.
A customer told reporters: "I have used digital renminbi before participating in events, which feels very convenient. The main reason is that it is not used in many other places, so it is not used much."
Through a bank APP, the reporter inquired about a store that opened digital renminbi. When the reporter asked about the use of digital renminbi for settlement, the store owner Chai was very confused. He said that there were indeed bank staff to connect with the digital renminbi business in the early stage, but there has been no Passengers have used it, but they don’t know how to use it.
Still need to continue to work hard
As a new thing, from not knowing to knowing, from learning to use to willing to use, the pilot promotion is just the first step in a journey of a thousand miles, and there is still a long way to go.
Promotion work cannot be accomplished overnight, and continuous effort is required.
According to the reporter's understanding, major banking financial institutions are actively participating in the digital renminbi pilot work.
During the "Digital RMB End of the World" red envelope consumption event, Bank of China superimposed five great gifts to encourage and invite citizens and tourists to use the Bank of China digital RMB wallet at designated merchants in Sanya to facilitate the promotion of digital RMB experience and the issuance of digital RMB red envelopes.
Bank of Communications has creatively expanded a series of application scenarios in key parks, large commercial districts, tourist attractions, colleges and universities, star hotels, and people's livelihood consumption.
Especially in the promotion of digital renminbi in colleges and universities, the largest single closed-loop scenario in the province, the Sanya College test project, was completed. The school’s 23,000 teachers and students and nearly 50 online and offline payment application scenarios have been successfully piloted. .
On this basis, the first digital RMB financial education demonstration base in Hainan Province has also been established.
The Hainan Branch of Postal Savings Bank of China and Meituan launched a digital RMB scenario branch and low-carbon travel.
How to continue to deepen the promotion?
The responsible comrades of the relevant offices of the Haikou Central Branch of the People’s Bank of China introduced in an interview with the media that they will increase the implementation of digital RMB pilot work, and regularly issue digital RMB consumption red envelopes in business districts, scenic spots, duty-free shops, public transportation and other themed scenes. Further enhance the frequency of use of digital renminbi and the activity of existing users.
Related institutions will also actively promote the integration of digital renminbi into the free trade port retail payment scene in a more convenient, safe and efficient manner.
It is deeply integrated into life from daily consumption, public transportation, people's livelihood services, medical public services, etc., injecting new consumption vitality into the construction of Hainan Free Trade Port.
Next, Sanya City will actively, steadily and orderly advance the pilot work, combine with Sanya's characteristic industries, and take the "Trade Finance Platform + Digital RMB" as a breakthrough, take the initiative to do a good job in serving the real economy, etc., and enhance the freedom of cross-border capital exchanges through digital RMB Convenience.
The digital renminbi pilot work will be promoted in various fields such as the topic of financial payment and the topic of urban management credit construction, accelerate the creation of a new engine for the growth of the Hainan Free Trade Port's digital economy, and promote the development of financial technology clusters.
At present, the digital renminbi pilot scenario in Hainan has gradually covered multiple online and offline areas such as living payment, catering services, transportation, shopping and consumption, and government services.
Industry insiders said that with the further enrichment of application scenarios, more pilot areas will be promoted from point to face in the future, allowing digital RMB to truly enter millions of households.
— Pilot Survey of Digital RMB in Sanya, Hainan
— Pilot Survey of Digital RMB in Sanya, Hainan