What is the concept of digital RMB? In fact, digital RMB is a digital currency that has not been issued by the people’s Bank of China, but it is no different from the paper currency in circulation. They have the same value characteristics and legal compensation, that is to say, digital RMB is also a legal “currency”. < / P > < p > in fact, the concept of digital RMB has been put forward for a long time. However, in view of the fact that many aspects of the circulation of digital RMB have not yet gone through, the digital RMB has not really been implemented. It is only in the formulation and research of various strategies. Moreover, in April 2020, the internal closure test of digital RMB has been carried out for a period of time. < / P > < p > after several months of closed internal test, on August 14, the Ministry of commerce finally issued a formal pilot notice. At present, the digital RMB pilot mainly includes Beijing Tianjin Hebei, Yangtze River Delta, Guangdong, Hong Kong and Macao. This means that the digital RMB is officially launched and the actual test is started.
according to normal circumstances, if there is no problem in the digital RMB pilot, then the scope of the digital RMB will gradually expand, and even the whole country will start to implement. In fact, this is a strong pair of hands for WeChat and Alipay. WeChat and Alipay did not expect all this to come so fast. Why does
say that digital renminbi will be a strong enemy of WeChat and Alipay? The main reason is that the digital RMB can be paid by touching the function without a network. This is not what WeChat and Alipay can do at present. WeChat and Alipay must complete the transaction under the network.
secondly, the digital renminbi is the legal tender of the country, which is endorsed by the state. At the same time, the digital Renminbi also has “legal compensation”. This is the attribute that Alipay and WeChat do not have. If digital renminbi is officially introduced to the whole country, WeChat and Alipay will probably be hit.
in fact, besides the digital renminbi, the China UnionPay has also launched a cloud flash payment like this product similar to Alipay WeChat. Although many users have accumulated, it still does not match WeChat Alipay in terms of its activity level. After all, WeChat and Alipay have already trained users’ payment habits, and it is still difficult to change this habit. However, digital RMB, WeChat, Alipay and cloud flash payment can coexist. As long as it is a product that can bring convenience to our life, we need not care about who is good, and it is most important for us to fit in with ourselves. Baidu continues to work on quantum computing to lay a solid foundation for new infrastructure construction