Digital renminbi use scenarios have continued to expand capacity. Cumulative credit has exceeded 10 million yuan

Digital RMB's application scenarios in multiple fields are constantly landing. On July 13, according to the latest data released by the central bank, as of May 31, 2022, the total number of transactions in pilot areas of 15 provinces and cities passed the cumulative transaction pens of digital RMB was about 264 million, with an amount of about 83 billion yuan. The number of merchant stores reached 4.567 million.

Since the beginning of this year, digital RMB has landed in many financial fields such as wealth management, loans, insurance, etc. Among them, the news of promoting in the field of credit has continued. In summary, a total of more than 10 million yuan in credit has been granted, involving application scenarios such as personal consumer loans, car consumer loans, and manufacturing loans.

Consumption loan online loan online repayment

A few days ago, with the support of the Guangzhou Branch of the People's Bank of China, China Post Consumer Finance and China Postal Savings Bank Guangzhou Branch cooperated to achieve the implementation of digital RMB consumer loan scenarios in Guangzhou, expanding the innovative practice of online digital RMB loans in the entire process.

The relevant person in charge of China Post Consumer Finance introduced to the Securities Daily reporter that China Post Consumer Finance has successfully issued a "post -you loan" personal consumer loan through the digital RMB wallet, further realizing the closed loop of digital finance, and promoting the digital transformation of the consumer finance industry.

In the "Postal Loan" application scenario, in addition to online applications and distribution, customers can also use digital RMB online repayment to achieve online and digitalization of the entire process.

On July 13, the "Securities Daily" reporter experienced that in the digital RMB online consumer loan scenario of China Post consumer finance, users need to log in to the postal salary bank mobile banking and click "Loan -Post your loan" Apply for online loans for full process. After the loan application approval is approved, China Post Consumer Finance will issue a loan to the customer's personal wallet in real time through the digital RMB. The winning knowledge of the "Postal Loan" product shows that it is provided by a third -party China Post Consumer Finance Company. The product characteristics are lightning to account, and borrowing.

The co -director, researcher Pan and Lin of the International Joint Business School of Zhejiang University International Commercial School of Business told the reporter of the Securities Daily that the digital RMB in the consumer finance industry has implemented the new application practice, which enriches the use of digital RMB use scenarios, and has also improved The convenience and security in the field of credit.

"Taking loans through digital RMB to enhance the convenience of finance, while ensuring that credit funds are re -loop -looping and true credibility." Wang Pengbo, a senior analyst at Broadcom consulting financial industry, analyzed the Securities Daily reporter.

Liu Bin, director of the Financial Research Office of Pudong Reform and Development Research Institute, told reporters of the Securities Daily that at present, the layout of digital RMB scenarios has three characteristics. One is to penetrate from the fields of e -commerce, retail and other fields to traditional financial businesses and move towards financial business to financial business The core areas; the second is that the pilots in various places are actively creating the digital RMB ecology; the third is the significant increase in digital RMB participation subjects. With the ecological construction and improvement, the participating subjects will be diversified, and the scene will become wider and wider.

Digital loan cumulative credit has exceeded 10 million yuan

The reporter sorted out and found that since this year, the application scenarios of digital RMB have continued to expand. Many banks have actively explored a loan through digital RMB, involving personal consumer loans, car consumer loans, and manufacturing loans. From the comprehensive calculation of public data, the cumulative credit has exceeded 10 million yuan.

Specifically, in terms of B -end (enterprise) loans, for example, on June 23, the Bank of China Wuzhong Sub -branch issued 74,000 yuan of car loans to Suzhou Leading Automobile Sales Service Co., Ltd. It is announced that the first manufacturing digital RMB loan is announced, and the digital RMB is the main form to issue a 2 million yuan unsecured credit loan to Suzhou Machinery Co., Ltd.

In the field of C -end (individual) loan, the business scenario of the digital RMB pilot mainly involves personal consumption and "agriculture, rural areas" and other fields. For example, on June 29th, the Bank of Jiangsu Suzhou Branch used digital RMB as its main form to issue a "garden Mengbao" loan of 1.1 million yuan to the farmers of Fengmenglong Village, Suzhou Xiangcheng City; in July, China Postal Savings Bank successfully landed in Shaanxi Province. Digital RMB car consumer loan lending and entrusted payment business.

In terms of loan management, Wang Pengbo said that digital renminbi can give full play to the entire process monitoring, and achieve transparent monitoring through the method of limited payment through smart contracts.

Liu Bin believes that digital RMB can effectively monitor the flow of funds through intelligent contract management through intelligent contracts to prevent illegal use of loan funds. At the same time, after the large -scale application of digital renminbi, the regulatory authorities can monitor the flow of enterprises in real time, so that they can insight into real -time insight into the production and operation of enterprises, repayment capabilities, etc., and have a deeper understanding of the development of enterprises and industries. In the future, digital RMB can be applied in most financial areas, such as personal loans, real estate mortgage loans, corporate business funds loans, supply chain finance, cross -border financial fields, etc.

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