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Looking at digital renminbi from the development history of banknotes

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    Recently, the digital renminbi issued by Shenzhen to individuals in Shenzhen with a face value of 200 yuan has attracted widespread attention.

    ?The digital renminbi is the legal digital currency that has not yet been issued by the People's Bank of China.  Simply put, it is the electronic version of RMB, which is different from banknotes. The payment method is a bit like the current third-party payment, but it is also different from third-party electronic payment.

    What are the advantages of digital renminbi?  The first is authority. The digital renminbi is a legal currency, which is the same in essence as banknotes and currencies, but in a different form; the second is the dual offline payment function, which can be paid with a mobile phone even if there is no network; the third is security, the digital renminbi  The whereabouts can be tracked. If defrauded, relevant agencies can recover the money based on the whereabouts of the digital renminbi; moreover, it is illegal to reject legal tender, and merchants cannot reject digital renminbi.

    What is the purpose of the pilot digital renminbi?  According to media reports, it is to allow the public to pay safely and conveniently in the digital economy era.  Judging from the history of the development of people's payment methods, this should be regarded as the general trend.

    The original currency in China was Haibei. Later, Qin unified the currency and used copper coins. After the Northern Song Dynasty, "Jiaozi", the predecessor of banknotes, was widely circulated because it was more convenient to carry and use.  However, Jiaozi was originally printed by wealthy businessmen. Later, because rich merchants embezzled cash and caused many disputes, the government banned merchants from issuing Jiaozi, and Jiaozi was changed to be issued by the government.

    Looking at electronic payment from the development of banknotes, we may be able to find out some development laws.  The earliest third-party payment in China can be traced back to 1999. After slow development, the emergence of Alipay in 2004 set off a frenzy of online payment in China. Third-party electronic payment platforms appeared one after another. Third-party payment companies even affected banks and other physical finance.  Of course, online payment security issues also frequently arise, and the country has to introduce relevant policies to control them.

    Looking at the changes in electronic payment methods from the development history of banknotes is just a way of thinking.  Whether the digital renminbi can be successfully implemented depends on the effect of the pilot implementation. Whether the digital renminbi is the general trend, time will give the answer.  (Remember the site URL: www.hlnovel.com
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