Digital renminbi red envelopes are distributed in many places to drive consumers to promote recovery of small and medium -sized merchants

The scope of the pilot is further expanded, and the people's livelihood scene covers a wider area--

How to promote consumption in digital RMB

"I bought the dishes with the pumping digital renminbi red envelopes." Zhao Min, who lives in Baoan District, Shenzhen, is the "lucky" in the nearly two rounds of digital renminbi red envelopes. In the first round of activities, she won the 128 yuan digital renminbi red envelope. After opening the digital RMB wallet, she immediately went to the supermarket to experience the offline payment of digital RMB; Choose to shop online and order your favorite fruits and vegetables.

Recently, consumption has been driven in many places in the form of digital renminbi red envelopes. Looking at the data released by Meituan alone, as of June 20, nearly 8 million digital RMB wallets were pushed to Meituan APP, and nearly 6 million households spent digital RMB in Meituan. Data released by Jingdong Technology also showed that during the "618" event, users spent 400 million yuan in digital RMB in Jingdong APP, an increase of more than 18 times year -on -year.

Multi -coin red envelopes are issued in many places

Recently, consumption has been driven in many places in the form of digital renminbi red envelopes. On May 30 and June 9, Shenzhen City issued a 30 million yuan "Tesco Shenzhen" digital renminbi red envelope through the Meituan platform in two rounds. In Shenzhen, more than 15,000 offline merchants with digital RMB nuclear sales functions can And used in the consumer scene of Meituan platform.

After many Shenzhen citizens receive the red envelopes, they will be paid online and offline. There are also Chinese citizens who have signed in Shenzhen on their social platforms to show their own consumption experience. The convenience store bought Wahaha to do itself. "

In Chengdu, Sichuan, the digital RMB consumer voucher activities are also ongoing. It is reported that Chengdu Digital RMB Consumer Course is issued through the Meituan platform with a total of 3 rounds, and the start time is June 12, 19 and 26, respectively. "The consumer vouchers issued this time are divided into four types of full -length coupons for catering and takeaway, supermarket convenience, hotel homestays, attractions tickets, and can be applied to rich living scenarios such as food, buying fresh, ordering hotels, and shopping spots." According to the person in charge of the relevant activities of Meituan, the issuance of Chengdu Consumer Coupon has accelerated the organic integration of online and offline consumption and promoted the recovery of consumption.

"The technical characteristics of digital RMB make it very suitable for accurate consumption." Wang Pengbo, an analyst of Broadcom consulting financial industry, said that through intelligent contract technology, the use time and application scope of digital renminbi red envelopes can be set.

According to the data released by the People's Bank of China, as of the end of 2021, the pilot scenario of digital RMB has exceeded 8.851 million, with a total of 261 million personal wallets and a transaction amount of 87.565 billion yuan. On March 31st this year, the scope of the digital RMB pilot was further expanded. On the basis of the existing pilot areas, 6 cities in Tianjin, Chongqing, Guangzhou, Guangzhou, Fuzhou City, Fuzhou City, Fujian Province, and Zhejiang Province, the Asian Games, as pilot areas. After the pilot of the Beijing Winter Olympics and the Winter Paralympics, it turned to a pilot area after the end of the scene.

Wang Pengbo believes that under the role of "618" related activities promotion effects, digital RMB coverage users and the number of wallets are expected to usher in a new round of growth.

Help small and medium merchants recover

"After the start of Shenzhen Consumer Coupon and Digital RMB red envelopes, the business is better than before. The Dragon Boat Festival orders are much more than before the festival." "Whale Selection" is a 24 -hour chain supermarket in Shenzhen. It is mainly engaged in food and daily living products such as snacks, beverages, towels, toothbrushes, washbasins.

The "selection of the wagon" is affected by the epidemic, and the operation is not ideal. In the recent round of digital renminbi red envelopes carried out in Shenzhen, the business of "selection of whales" has improved. The person in charge of the "Whale Selection" supermarket introduced that more than 20 chain supermarkets benefited due to digital renminbi red envelopes. The total number of orders during the Dragon Boat Festival this year rose about 30%before the session. According to Meituan data, during the Dragon Boat Festival, the number of digital RMB trading orders on the platform accounts for 10%of the total order of the store. In addition, from May 30th to June 19th, during the Shenzhen Digital RMB red envelope event, users who registered the event had used digital RMB consumption in more than 52,000 Shenzhen local Meituan merchants. The amount and order amount of these merchants on the Meituan platform increased by 58.9%and 64.6%compared with the same period last year.

The issuance of consumer vouchers has also inspired the consumption enthusiasm of citizens in Chengdu in Sichuan. Ms. Dai, who lives in Jinjiang District, Chengdu, was issued by the first batch of local consumer coupons on June 12, and grabbed the "over 100 yuan minus 30 yuan" coupon and takeaway "over 50 yuan minus 15 yuan" coupons. At noon that day, she ordered takeaway with the just -handed consumption coupon. "The busy days of the store are back." The owner of a barbecue restaurant in Chengdu High -tech Zone said that recently, the takeaway orders in the store have recovered. After the start of the consumer voucher, the number of customers with consumer vouchers are increasing.

Zhou Maohua, a macro researcher at the Everbright Bank Financial Market Department, believes that digital RMB with consumer coupons, e -commerce platforms and other scenarios can help the promotion of digital RMB and also help the consumer market to accelerate recovery. Related data shows that from June 12 to June 19, after the first batch of consumer coupons on the Meituan platform, Chengdu users who registered for participating in the event have used digital RMB consumption among more than 35,000 Chengdu local Meituan merchants. The amount and order amount of these merchants on the Meituan platform increased by 40.9%and 33%compared with the same period last year. Driven by various digital renminbi red envelopes and consumer vouchers, consumers' enthusiasm for using digital RMB consumption was ignited. Data show that from May 30th to June 19th, the average daily digital RMB transaction order volume of the Meituan platform increased by about 115%month -on -month. From the data point of view, digital RMB red envelopes play a more obvious role in consumption of small people's livelihood. In January this year, Meituan opened the digital RMB payment channel on various consumer scenarios on the platform and launched consumer subsidies. Since January, more than 90%of the digital RMB subsidies have flowed to the daily consumption scenarios such as purchasing daily necessities and ordering takeaway. Among them, the proportion of small transaction orders with a small amount of less than 30 yuan.

More pilot cities in pilot cities are still underway. Wenzhou, Zhejiang, issued a total of 30 million yuan in digital RMB red envelopes from June 19th to 21st; the Xiamen digital renminbi red envelope activity in Xiamen, Fujian was launched on June 22, and will be launched by 20.22 million yuan in digital renminbi. Digital renminbi coupons; from June 18th to June 30th, Suzhou, Jiangsu will issue 20,000 yuan of digital RMB targeted consumption red envelopes totaling 1 million yuan.

Deep digging multiple application scenarios

In addition to daily consumption scenarios such as eating, housing and transportation, financial consumption has also become another focus of the construction of digital RMB scenes. On June 10, the nation's first digital RMB auto insurance policy was landed. A financial consumer uses digital RMB to pay for auto insurance costs, marking the successful landing of digital RMB in auto insurance application scenarios.

In the near future, many banks are also actively exploring the establishment of various application scenarios to deploy the digital RMB service ecology. Recently, the reporter saw on the CCB APP that the bank launched digital RMB wealth management services and provided two wealth management products for financial consumers in the wealth management area to support the use of digital RMB "1 yuan to buy".

How to take care of digital renminbi is also the focus of consumers' attention in the near future. ICBC, CCB, and Agricultural Bank of China have all launched intelligent management functions of digital RMB wallet balances, providing services such as digital RMB portfolio payment, red envelopes, and automatic return to bank accounts. According to data from CCB's semi -annual report last year, from the end of June 2021 to the end of 2021, the cumulative amount of digital RMB transactions increased from 18.9 billion yuan to 43.5 billion yuan, with a half -year growth rate of 130.16%; the cumulative number of transactions increased from 28.45 million to 847555 to 8475 Thousands of strokes, a half -year growth rate of 197.89%.

Digital RMB exploration in some financial scenarios is welcomed by consumers. Wang Pengbo believes that this is a class of higher -frequency application scenarios for consumers, which has positive significance for the promotion and popularity of digital RMB.

With the continuous promotion of digital renminbi in various pilot cities, digital RMB is expected to continue to achieve new breakthroughs in more diverse scenarios.

"The value of digital RMB in promoting consumption and increasing financial inclusiveness is gradually revealed." Wang Pengbo said that using digital RMB combined with smart contracts to scalable and targeted characteristics, in insurance, prepaid, loan issuance, B2B funds settlement, rental lease, etc. There are digital RMB projects in the scene. In summary, as long as there are scenarios with targeted payment, opaque transaction processes, and difficulty in the use of transaction funds, the advantages of digital RMB can be exerted.

"The starting point and end point of the development and pilot development and pilot of digital RMB are exactly the people's livelihood and facilitate people's livelihood." Said Dong Ximiao, chief researcher at Zhaocian Financial.

Earlier, when talking about the next development direction of digital RMB, the relevant person in charge of the People's Bank of China stated that it was necessary to further deepen the pilot of digital RMB in retail transactions, living payment, government services and other scenarios. The real economy and the people's lives allow more companies and individuals to feel the value of digital RMB.

Dong Ximiao believes that my country's mobile payment is very developed and there are many mobile payment tools. Therefore, the richness of the scene often affects the choice and experience of users. The perfect ecosystem and rich application scenarios can make digital RMB ubiquitous and reach, and then attract more people to choose to use.

With the development of more and more red envelope activities in various pilot cities, coupled with the access of diversified people's livelihood application scenarios, industry insiders predict that the number of digital RMB in whether it is an ecological, transaction scale, or the number of personal wallets. promote.

Reporter: Chen Guojing

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