By the end of 20021,Beijing had opened more than 20,000 digital RMB personal wallets130,000 digital RMB corporate wallets130,000 digital RMB personal wallets, covering more than 400,000 scenes such as food, clothing, housing, travel, entertainment and medical treatment in the Winter Olympics, with a transaction amount of 9.6 billion yuan. The pilot project of digital RMB in China has formed a pattern of "10+ 1", including the pilot area of 10 and the site of the Beijing Winter Olympics. By the end of 20021and 10, there were more than 3.5 million pilot scenarios of digital RMB, and a total of 654.38+23 million personal wallets were opened, with a transaction amount of about 56 billion yuan.
Digital RMB adopts a two-tier operation system. That is, the People's Bank of China does not directly issue and exchange the central bank's digital currency to the public, but first exchanges the digital RMB to designated operating institutions, such as commercial banks or other commercial institutions, and then these institutions exchange it to the public. Operating institutions need to pay 100% reserve to the People's Bank of China, which is the conversion process of 1: 1 This two-tier operating system is basically the same as issuing paper money, so it will not have a big impact on the existing financial system, nor will it have a big impact on the real economy or financial stability.