Digital RMB is to transfer the money in the bank card to the digital wallet, and the money deposited is called digital RMB. Unlike electronic accounts, digital renminbi can be paid without the Internet. As long as the digital wallet is opened, payment can be made without the Internet. Because you are using your own money, you cannot bind a credit card. It only supports binding some bank savings cards, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Bank.

1. Digital RMB

Digital RMB is a legal value currency in digital form. It is different from third-party WeChat Pay and Alipay. Alipay and WeChat Pay are also carried in digital form. Value transfer. In addition to the legal advantages, there is not much difference from third-party payment digital carriers. At present, WeChat payment and Alipay payment have the advantages of wide coverage and formation of payment inertia. The promotion and use of digital renminbi still needs to increase efforts.

2. Usage of digital renminbi

1. The actual usage of digital renminbi is not much different from mobile payments such as WeChat and Alipay. But for the country and the financial system, there is still a big difference. It is also an important part of infrastructure construction.

If we have to talk about differences, the most obvious difference between digital renminbi and WeChat Alipay is that WeChat and Alipay require us to bind a card, select a card and then make consumption when paying, but digital renminbi does not. Bank cards that are tied to traditional banks can exist independently.

2. The digital renminbi is a legal currency and has legal effects. The previous situation of "virtual currency" prices rising and falling will not occur. In other words, digital currency is in the form of symbols, and digital currency is equivalent to cash. The way it is used is different. This can save a lot of manpower and material resources. It can be circulated by directly linking it to the bank and using facial recognition.

3. The impact of digital RMB

1. Payment methods will be more diversified, and life and shopping will be more convenient;

2. Digital RMB can Stronger traceability will curb the occurrence of telecommunications fraud to a certain extent;

3. Creating a unique approach to anti-corruption will reduce the occurrence of corruption to a certain extent and make money laundering more difficult;

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4. Reduce issuance costs, the era of one dominant third-party payment platform will be a thing of the past, and payment platforms will be more diversified;

5. It will have a huge impact on the financial industry, especially It's the banking industry, where a new wave of layoffs may occur.