Mobile payment network news: On May 19, a press conference for the Chongqing digital renminbi pilot project was held, revealing the situation of the Chongqing digital renminbi pilot project to the outside world.
As of May 15, Chongqing has opened a total of 1,066,600 digital RMB personal wallets and 42,400 public wallets, with a total of 1,576,700 transactions and a transaction amount of 288 million yuan, supporting more than 12,000 merchants. The application scenarios cover transportation, retailers, supermarkets, livelihood services, medical services, smart campuses, salary payment, party dues payment, Internet online payment and other fields.
Steadily promote 10 general scenarios and 6 characteristic scenarios Wu Haosheng, deputy director of the Chongqing Business Management Department of the People's Bank of China, revealed that the pilot digital renminbi in Chongqing is not only limited to the main urban area, but is open to the whole region. Based on the "14th Five-Year Plan" development plan, Chongqing will steadily advance in accordance with 10 categories of general scenarios and 6 categories of characteristic scenarios.
10 general scenarios
Digital government affairs: 18 types of convenience items on government service platforms such as "Yu Kuai Ban";
People's livelihood services: social security, taxation, provident fund, property fees, water and electricity, postal express and other fields;
Transportation and travel: create smart travel scenarios, support functions such as digital RMB payment, recharge and payment;
Retailer supermarkets: starting from large supermarkets and taking key merchants as breakthrough points, to build a consumption ecosystem that fully accepts digital RMB;
Medical services: online and offline window registration, inter-diagnosis payment, hospitalization and other charging channels realize digital RMB payment;
Smart Park: Build an integrated digital RMB payment environment and build a digital RMB payment ecosystem in the park;
Smart campus: build a digital RMB education payment network around various payment application scenarios generated in and around the school itself;
Cultural tourism: Create smart scenic spots and use digital RMB to provide one-stop services such as ticket purchase, admission, accommodation, and shopping at tourist attractions;
Salary payment: pay wages, bonuses, benefits, etc. to groups of different scales and levels, and achieve real-time batch payment;
Internet enterprise application: promote Internet enterprises to follow the direction of "green inclusiveness + high-frequency consumption", and help digital RMB to better serve the real economy and social livelihood.
6 Featured Scenes
Building an international consumption center city: Create a digital RMB characteristic business district, a brand of cultural and tourism consumption activities, exhibition and sports event payment scenarios, and help Chongqing build an international consumption center with Bayu characteristics, highlighting Chinese style, leading international fashion, and radiating the west to the world City;
Help rural revitalization: extend the application scenarios of digital RMB to rural characteristic industries, such as rural e-commerce and rural tourism, rely on financial technology to empower rural revitalization demonstration projects, and create a digital RMB ecosystem in villages and towns;
Chengdu-Chongqing Economic Circle: Through the development of cross-regional collaborative application of digital renminbi, promote the interconnection of public services in the Chengdu-Chongqing region, build a typical application of the twin-city life circle, agricultural trade circle, and tourism circle, and explore cross-provincial demonstrations in the adjacent areas of Sichuan and Chongqing The application path of digital renminbi in the demonstration zone meets the needs of digital renminbi payment services in the demonstration zone;
China-Singapore interconnection: scenarios such as business travel, talent training, medical health, shopping and consumption support digital renminbi payments. In the future, we will explore the application of digital renminbi in economic and trade exchanges between western China and Southeast Asian countries to improve cross-border settlement efficiency;
Financial services: promote more financial institutions to integrate into the digital renminbi ecosystem, and use digital renminbi to provide better financial services;
Industrial chain and supply chain: Explore the application scenarios of digital renminbi in production, distribution, circulation, consumption and other links, and improve the industrial chain and supply chain.
Promote the application of digital renminbi in rural areas from three aspects Chen Bo, vice president of Chongqing Branch of Postal Savings Bank of China, said that Chongqing Branch of Postal Savings Bank of China will be based on Chongqing's "14th Five-Year Plan" development plan, based on market conditions, and focus on Chengdu-Chongqing agricultural trade circle, financial technology empowering rural revitalization, rural e-commerce, The scenarios of projects such as supply and marketing cooperatives, rural tourism, and agriculture-related special funds, combined with their own business characteristics, mainly promote digital renminbi in rural areas in three ways.
The first is to base ourselves on the countryside and do a good job of educating the digital renminbi. Postal Savings Bank has more than 1,700 business outlets in Chongqing, 70% of which are distributed in rural areas, with more than 10,000 financial practitioners, serving more than 20 million Chongqing citizens. Of these, most outlets are located in rural areas. Postal Savings Bank will design and produce digital renminbi education materials with Chongqing characteristics and rural characteristics, which are easy to understand and easy to disseminate, so that employees can first become digital renminbi educators, let outlets become digital renminbi education bases, and let the majority of rural residents understand digital renminbi Renminbi will use digital renminbi.
The second is to focus on the construction of rural characteristic scenes to boost rural revitalization. Postal Savings Bank will focus on rural medical care, rural education, urban and rural public transportation, characteristic towns, rural tourism and other characteristic scenes of rural revitalization, and combine the 3,432 credit villages awarded by Postal Savings Bank in the rural revitalization work in Chongqing to assist all levels The government builds digital renminbi application hospitals, application campuses, application towns, and application credit villages. At the same time, it uses the characteristics of digital renminbi that can be loaded with smart contracts to assist governments at all levels in the precise distribution and use of agricultural aid funds and medical aid funds. Township governments at all levels accept digital renminbi and promote digital renminbi.
The third is to enrich the payment acceptance environment of rural digital renminbi and improve the rural consumer payment experience. Postal Savings Bank will increase investment in resources and funds, actively participate in various digital renminbi consumption activities carried out by local governments, and invest resources around the micro-business circles built by Postal Savings Bank in rural areas to issue digital renminbi to customers in rural areas Consumption coupons, digital RMB digital currency hot pot festival, digital currency picking festival and other themed special promotions. At the same time, in combination with the activities of mobile payment acceptance demonstration counties, the digital renminbi acceptance scene will be expanded to the rural market, so that the majority of rural farmers have the scene to use digital renminbi and are willing to use digital renminbi.
Expand the application of digital renminbi in three major fields Wu Heng, deputy director of the Chongqing Municipal Financial Supervision Bureau, said that Chongqing will summarize the pilot work experience of other provinces and cities, implement special measures to deepen the application of digital renminbi, drive the expansion of social consumption, help the implementation of funds for the benefit of the people, and help enterprises develop high-quality.
The first is to expand the application of digital renminbi in the field of consumption. For example, relevant red envelopes and consumption coupons are issued in consumption scenarios such as transportation, retail supermarkets, medical services, cultural tourism, and Internet shopping; various hard wallets are launched, and special groups such as the elderly and the disabled can receive and use them.
The second is to expand the application of digital renminbi in the field of government services. For example, in government services such as social security taxation and traffic fines, the targeted use of smart contracts can be made good use of. In the government affairs of people's livelihood such as pension distribution and subsistence allowance assistance, individuals or enterprises can make good use of digital renminbi in batches of precise allocations and fund supervision. application.
The third is to expand the application of digital renminbi in the field of serving enterprise development. In the industrial chain and supply chain, enterprises can use smart contracts to realize automatic payments, avoiding transaction delays and fund delays. In financial services, financial institutions can embed digital RMB payment into online and offline platforms to fully tap the massive data resources generated by money and goods transactions.
In addition, it will support financial institutions and Internet platforms to offer interest and fee reductions to merchants and consumers, thereby stimulating consumption, such as encouraging platforms to use digital renminbi to pay and settle handling fees saved, etc., to give back to consumers. At the same time, it is recommended that local governments introduce financial technology companies and financial technology innovation projects in the field of digital renminbi to cultivate a digital renminbi industry system; while technology companies participate in network system transformation, terminal equipment upgrades, and smart contract program development to obtain dividends.
It is reported that Chongqing and Chengdu, as the twin stars in the western region of my country, are jointly building a financial center, and now both have become pilot areas for digital renminbi. As a new infrastructure in the digital economy era, the digital renminbi can play an active role in improving the level of inclusive financial services and improving the business environment, helping Chengdu and Chongqing to jointly build a western financial center.
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