Digital RMB pilot scope steadily expands the supporting system regulations on the agenda

Xinhua News Agency, Beijing, August 4th. Question: Digital RMB pilot scope steadily expands the supporting system regulations on the schedule

Xinhua News Agency "Xinhua View Point" reporters Wu Yu, Deng Qianqian, Qin Jing

23 provinces (cities) 23 regions participated in the pilot, and 10 operating institutions participated in the research and development, involving wholesale retail, catering cultural tourism, education and medical care, public services, and many other fields. A certain pattern has been formed to become a pioneer in the global research on statutory digital currency research.

In order to promote the steady and healthy development of digital RMB, the research of related supporting regulations has also been put on the agenda. Recently, the relevant person in charge of the People's Bank of China stated that it will study and introduce digital RMB -related laws and regulations and industry supporting policies, continue to improve the technical standards of digital RMB, and consolidate the foundation of the rule of law in the rule of law.

Digital RMB pilot scope has steadily expanded

This year's digital renminbi pilot region has expanded again, adding to Tianjin, Chongqing, Guangdong, Fuzhou and Xiamen in Fujian, and Hangzhou, Ningbo, Wenzhou, Huzhou, Shaoxing, Jinhua in Zhejiang, Beijing and Zhangjiakou, Beijing and Hebei. After the pilot pilot of the Winter Paralympic Sait, it also turned into a pilot area.

From the initial "4" to "10+1" to 23 regions in 15 provinces and cities today, the scope of the digital RMB pilot is steadily expanded. Among them, Shenzhen, Suzhou, Xiong'an New District, and Chengdu have canceled their list of whitelist. Industrial Bank has also become one of the 10 operating institutions in the near future.

In this context, users who experience digital RMB have increased significantly, and trading scenarios continue to increase. As of the end of May, the number of merchant stores that supported digital RMB payments in the pilot areas of 15 provinces and cities reached 4.567 million.

Flower Digital RMB by subway, takeaway, strolling attractions ... The application scenarios of digital RMB are becoming more and more abundant, covering online and offline. According to reports, various pilot areas have carried out more than 20 digital RMB consumption red envelopes around the topics such as promoting consumption, fighting epidemic, and low -carbon travel, which will effectively promote social consumption replenishment and potential release.

The help of digital RMB for the economy is far more than driving consumption. With the increasing digital scenarios, related technological innovation, product innovation, and model innovation in the field of digital applications have continued to emerge. The upstream and downstream industries of the digital RMB are producing the agglomeration effect, giving birth to a number of new models and new formats to better serve local economic and social development.

In June this year, the country's first "Agricultural Carbon Exchange Trading Platform Innovation Digital RMB Application Scene" was landed in Xiamen, Fujian. Local users can use digital RMB to achieve agricultural carbon exchange transactions, helping rural revitalization and green transformation.

Experts said that at present, digital RMB provides new development momentum in driving residents' consumption, promoting green development, improving financial inclusiveness, and improving the business environment.

More new functions of benefiting enterprises and people to accelerate online

Since the beginning of this year, the digital RMB wallet has been pushed out of Chenxin, deeply integrated with public and personal business, and the new functions of some benefits and the people have accelerated the launch.

Salary issuance is one of the small and medium -sized enterprises of digital RMB services. In the construction site of the Power Construction Zhihui City project at the No. 1 Land of Rongdong District, Xiong'an New District, workers are working nervously. "Through digital renminbi settlement, my monthly salary is issued to personal wallets on time." Said Zheng Hongjie, a steel barrier.

With the characteristics of relatively low cost and payment that is settlement, digital RMB also explores more convenient services for enterprises in terms of fund management, sales management, and loan financing.

Many banks have explored loans through digital RMB this year: Suzhou Bank landing manufacturing digital RMB loan, postal salary bank landing in digital RMB car consumer loans in Shaanxi, ICBC issued a digital RMB inclusive loan of 2 million yuan in loans to a labor supply chain enterprise in Suzhou Yuan……

"From the opening of the digital RMB wallet to the loan application, from the entrusted payment to the repayment, the customer can complete it online by mobile phone." ICBC Suzhou Branch Deputy General Manager Zuo Lingling introduced that the innovation breakthrough in the credit field in the credit field has It is conducive to improving the convenience of enterprises to obtain financial services, and the payment of loan funds can be received in real time.

In the context of accelerating the construction of digital governments, new smart cities, and digital countryside, Xiamen's digital RMB signing tax payment function has been launched. Taxes and fees and medical insurance, social insurance payment ...

Many experts believe that digital RMB through "smart contracts" technology will have a lot of promotion in finance, taxation, government affairs, etc., and providing more convenient services for enterprises and residents. In the field of prepayment funds management, digital RMB can effectively prevent the misappropriation of funds and achieve transparent supervision; in the field of targeted payment in fiscal subsidies and scientific research funds, digital RMB can limit the use of payment, realize full -link monitoring of public funds, enhance government funds effectiveness Wait.

Improving the design of the top -level system has already been arranged

At present, the pilot work of digital RMB research and development has gradually deepened, and consolidating the foundation of the rule of law and supervision has become a new problem.

"At present, the top -level design such as Digital RMB double -layer operation architecture has passed all -round tests, and its feasibility and reliability have been effectively verified." Fan Yifei, deputy governor of the People's Bank of China, said that in the next step, we must consolidate the foundation of the rule of law in the rule of law and consolidate the numbers RMB law compensation status. At the same time, strengthen the coordination of digital RMB business, risk control, technology, security and other aspects, make full use of advanced regulatory scientific and technological methods to firmly adhere to the bottom line of safe operations. With the continuous innovation application of digital RMB in digital identity, digital consumption, digital trade and other fields, privacy protection has become an important issue for people's attention.

Mu Changchun, director of the Institute of Digital Currency Research of the People's Bank of China, introduced that at present, relevant departments are starting to study and establish an information isolation mechanism to clarify the independence of operating institutions to carry out digital RMB operation business, and to establish a digital RMB customer information isolation mechanism and use restrictions. Standardize the use of digital RMB customer information.

"Digital RMB operating institutions need to establish and improve customer information protection internal control and customer information protection monitoring working mechanism. Only when illegal crimes such as money laundering, terrorist financing and tax evasion may be applied to obtain relevant customer information for risk analysis and monitoring." Mu Changchun introduced that digital RMB followed the "minimum and necessary" principle when collecting personal information, and the amount of information collected was less than existing electronic payment instruments.

The establishment of an information isolation mechanism is only a part of the top -level system. The reporter learned that from the legal conditions of the digital wallet query, freezing, and deduction, to the establishment of a corresponding punishment mechanism, to improve the regulations and systems such as anti -money laundering, anti -terrorist financing, etc. On the schedule.

According to reports, the regulatory authorities will strengthen the practice of regulatory science and technology, and actively use technologies such as big data, artificial intelligence, and cloud computing to enrich financial supervision methods, and improve the ability to identify, prevent and resolve cross -market and cross -market cross -market risks.

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