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China Starts Trial of Digital Currency in Four Cities
Published on: 2020-04-20
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digital 01China’s central bank confirmed that some state-owned banks are conducting internal tests of a digital currency in four cities and hypothetical use for the 2022 Winter Olympics in Beijing.
 

Screenshots of a purported pilot version of a wallet app for China’s forthcoming digital currency have been circulating on social media. The mobile app, tested internally by state-owned Agricultural Bank of China, displays the new digital currency features, including allowing people to make payments using a QR Code and sending and receiving funds simply by touching another phone.

Chinas much anticipated digital currency has started pilot testing the central bank confirmedChina’s much-anticipated digital currency has started pilot testing, the central bank confirmed

The People’s Bank of China (PBOC) confirmed that the tests are underway but said that doesn’t mean the digital currency is being officially launched. The central bank didn’t provide a timetable for the official rollout of the currency.
 

Internal tests of the digital yuan will not affect the commercial operation of banks, nor will it affect the renminbi issuance and circulation system, financial market and social economy outside the test environment, the central bank said.
 

The PBOC has been studying the development of a state digital currency since 2014. After China’s State Council included blockchain technology in its 13th Five Year Plan in 2016, the central bank established a research institute for the development of Digital Currency/Electronic Payment (DC/EP).

digital 03The research work is progressing steadily and the digital currency has completed its top-level design, standard formulation, functional research and alignment and testing, the PBOC said. Now the central bank is conducting closed-system trials in Suzhou, Xiong’an, Chengdu and Shenzhen, as well as testing hypothetical scenarios for the 2022 Winter Olympics, to optimize and improve the currency’s functionality.
 

The four state-owned banks Industrial and Commercial Bank of China (ICBC), China Construction Bank, Agricultural Bank of China, and Bank of China - the three telecom companies - China Telecom, China Mobile, and China Unicom and Tencent Holdings are all involved in the development of the digital currency. Bank of China is also planning to conduct internal tests of the currency soon.
 

中国版数字货币要来了:与人民币等价 不会让钱贬值

民间的数字货币已经兴盛多年,但不被国家认可。中国人民银行从2014年就开始研发国家级数字货币,目前正在多地进行内部封闭测试,未来上线指日可待。对于央行的数字货币,很多人并不了解,甚至担心自己手中的人民币会通货膨胀,人民银行数字货币研究所相关负责人介绍,对中国版数字货币做了解读。
 

央行表示,自2014年开始研究法定数字货币,目前数字人民币研发工作正在稳妥推进,先行在深圳、苏州、雄安新区、成都及未来的冬奥场景进行内部封闭试点测试,以不断优化和完善功能。
 

央行表示,当前网传DC/EP信息为技术研发过程中的测试内容,并不意味着数字人民币正式落地发行。
 

数字人民币目前的封闭测试不会影响上市机构商业运行,也不会对测试环境之外的人民币发行流通体系、金融市场和社会经济带来影响。
 

中国的数字人民币体系在坚持双层运营、流通中货币(M0)替代、可控匿名的前提下,基本完成顶层设计、标准制定、功能研发、联调测试等工作,并遵循稳步、安全、可控、创新、实用的原则。
 

什么是中国版数字货币?怎么用?
 

简单说,人民银行数字货币就是人民币电子版。
 

说起数字货币,大家第一反应可能是比特币或者脸书计划推出的Libra。
 

但是,与这些所谓的数字货币不同,我国央行将要推出的数字货币有国家信用背书,可以说是人民币的电子版本。因此,央行的数字货币是具有法偿性的。
 

更重要的是,有国家背书,央行的数字货币币值会更加稳定。而比特币等所谓的虚拟货币,无法保证币值稳定,被“割韭菜”就成了常事。
 

从使用场景上看,央行数字货币不计付利息,可用于小额、零售、高频的业务场景,相比于纸币没有任何差别。同时,使用时应遵守现行的所有关于现钞管理和反洗钱、反恐融资等规定。
 

数字人民币有哪些好处?

发行成本低、交易更便捷……
 

有资深业内人士表示,基于人民币现金的支付、交易、反洗钱等,在现代社会管理难度越来越大,成本也越来越高。而发行数字货币,能够有效解决上述问题。
 

同时,中国版数字货币不需要绑定任何银行账户,摆脱了传统银行账户体系的控制。
 

此外,在网络信号不佳的情况下,网银和支付平台的支付功能常常会处于瘫痪状态,而DC/EP的双离线技术可保证在极端情况下,像用纸币一样,使用央行数字货币。例如,在没有网络的情况下,只要两个装有DC/EP数字钱包的手机碰一碰,就能实现转账或支付功能。
 

发行数字货币会引发通货膨胀吗?

等价替换流通中的货币,不会让钱贬值
 

央行发行的数字货币从数字化货币替代流通中的纸钞和硬币入手,假设现在流通的货币是100元,央行数字货币将等价替换掉这100元。
 

为了保证央行数字货币不超发,商业机构向央行全额、100%缴纳准备金。也就是说,发行时,人民银行先把数字货币兑换给银行或者是其他运营机构,再由这些机构兑换给公众。

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