The application of digital RMB financial fields to speed up multiple application scenarios "housing involved"

Since the beginning of this year, digital RMB has achieved "ice break" in many fields in financial application scenarios.

A few days ago, the country's first digital RMB auto insurance policy was officially born, marking the successful landing of digital RMB in vehicle insurance application scenarios. The reporter noticed that the pace of digital RMB has accelerated in the expansion of financial application scenarios, and has landed in many fields such as housing provident fund, rental subsidy and tax payment business.

The industry generally believes that the current application scenarios of digital RMB have signs of acceleration. With the in -depth application scenarios of digital RMB, it will release more potential and increase the inclusiveness of digital RMB.

The first digital RMB in the country

Auto insurance insurance order

On June 10, Mr. Jiang used the "Sunshine Car · Life" APP of Sunshine Insurance to complete the car insurance cost of the vehicle in the method of using digital RMB, which marked the landing of digital RMB in vehicle insurance application scenarios.

It is reported that the innovation breakthrough in the application scenario of digital RMB in the insurance field is the results of UnionPay Business Co., Ltd. (hereinafter referred to as "UnionPay Business"), China Construction Bank Co., Ltd. and Sunshine Insurance Group Co., Ltd.

According to the relevant person in charge of UnionPay Commerce to the reporter of the Securities Daily, in all digital RMB pilot areas and cities across the country, the insured person only needs to open a personal real -name wallet of CCB in the "Digital RMB" APP, which can experience it. Digital RMB payment of auto insurance costs.

"The first digital RMB auto insurance policy in the country was officially born, indicating that another important financial application scenario of Digital RMB is landing. With the in -depth application scenarios such as digital RMB, it will further promote the expansion of digital RMB services to the real economy and inclusive finance. "Joint Director, Researcher Pan and Lin told the Securities Daily, co -director, researcher, and Lin of the International Joint Business School of Zhejiang University.

At present, the pilot of digital RMB has gradually advanced, and the scope of the pilot has continued to expand. According to central bank data, as of December 31, 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.

Wang Pengbo, a senior analyst at the Broadcom consulting financial industry, told a reporter from the Securities Daily, "As the pilot areas continue to expand, the application of digital RMB in the financial field is constantly making progress and showing signs of speeding up. On the one hand The number of gratifying users has made good conditions for the promotion of financial service functions; on the other hand, the scalable and directional characteristics of digital RMB have high use value in financial scenarios such as insurance and credit financing. "

Application scenarios in the financial field

Accelerate

At present, with the continuous expansion of application scenarios, digital RMB is accelerating "ice -breaking" in the financial field, including housing provident fund, rental subsidy and other "housing -related" application scenarios.

The reporter sorted out and found that in recent years, digital RMB has been explored in the field of housing -related financial fields, and it has been deepened by vertical deepening. On May 26, the Xiamen Housing Provident Fund Center issued the first digital RMB housing provident fund loan of 440,000 yuan, which is the first creative breakthrough in the national housing provident fund industry in the digital RMB housing provident fund loan application scenarios.

Previously, digital RMB was applied in the field of housing provident fund, but it was mostly focused on the deposit and withdrawal of housing provident funds. For example, in May last year, the Housing Provident Fund Management Center of Dalian City, Liaoning Province completed the payment of the first housing provident fund unit and personal loan repayment business through digital RMB payment. In July 2021, the Sichuan Provincial Provincial Housing Provident Fund Management Center announced that The center uses digital RMB to complete the first housing provident fund withdrawal business.

In addition, digital RMB also explores in rental subsidies. For example, on June 8th, the Xiong'an Branch of the ICBC issued a news that ICBC Xiong'an Branch assisted Xiong'an New District to issue digital RMB rental subsidies and subsidized up to 100,000 yuan.

At the same time, there are also application scenarios in the fields of digital RMB tax payment business. In November 2021, China Xiong'an official website stated that with the first digital RMB "Fiscal Tax Library Silver T+0 model" tax payment business was completed in Xiong'an New District, it marked the successful landing of the digital RMB tax payment business of Xiong'an New District. Essence

Wang Pengbo said, "At present, the use of digital renminbi combined with smart contracts with scalable and targeted features, on the application of scenarios such as pre -paid platforms, B2B funds settlement, housing provident fund, and rental subsidy. The financial service model has the possibility of optimization at the payment process. Second, the characteristics of digital RMB orientation can solve some violations that may exist in some financial scenarios. "

Su Xiaorui, a senior analyst of the financial industry, told the reporter of the Securities Daily that the combination of digital RMB and housing -related business is actually a typical application of digital RMB in large fields. Tracking the flow of funds to avoid being used in violation of the rules. "It is expected that the future digital RMB will have new breakthroughs in the fields of loan scenarios, cross -border payment and other fields, and the technical aspect will also be further combined with smart contracts. The use of smart contract conditions to pay attributes to achieve the functions of targeted population, directional scenes and directional uses. It plays a more efficient role in the fields of fund supervision, subsidy issuance, and consumer vouchers. (Reporter Li Bing)

[Editor in charge: Huang Hao]

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