Benefits of RMB digitization
1. The transaction is more convenient.
Digital currency can be used in small, retail and high-frequency business scenes, which is not much different from paper money, but it saves the trouble of paper RMB change. At the same time, it does not depend on bank account and payment account, as long as the user has digital currency wallet.
2. The payment efficiency is higher.
Digital currency adopts dual offline payment, which can be realized without relying on the network. Like paper money, it can meet the needs of electronic payment in places with poor network signals such as airplanes, oil tankers and underground parking lots.
3. The security is higher.
Digital RMB is a digital currency issued by China's central bank. Its stability and reliability are trustworthy, which ensures the low financial risk in digital currency. If theft really happens, for real-name wallets, digital RMB can provide loss reporting function.
4. The transaction path is short.
The transaction path is short, just touch it with your mobile phone. Of course, for those who are unwilling or unable to use smart phones, in order to meet the needs of publicity and inclusiveness, they can choose IC cards, function machines or other hardware, such as the elderly card with integrated health code and balance display visual chip, to provide convenient and safe digital RMB payment experience and travel convenience for the elderly through touch or QR code.
5. There are few intermediate links.
Digital currency supports peer-to-peer transfer, which does not need the assistance of third-party institutions, and can also omit the clearing and settlement link. On the one hand, it is particularly convenient in cross-border and inter-agency transfer, and on the other hand, it is particularly convenient in people's livelihood subsidies. Because through the way of digital currency's function contract, people can be given away at a fixed point, and people's livelihood funds can be distributed to people's digital wallets, which eliminates the possibility of false reporting, interception and misappropriation. For example, after the outbreak, in order to promote the recovery of consumption, various forms of consumer vouchers have been launched all over the country, but there are some imperfections in their design and distribution. If the government wants to subsidize the poor, it may be better to use digital RMB, because the issuance and liquidation of digital RMB are completed by the central bank, and every government subsidy issued by the state can be traced back to every link of its use and handling, such as whether the consumer subsidy has bought wealth management products and whether it has been used for real estate speculation.
6. Reduce environmental damage.
Digital currency reduced the printing of paper money, thus reducing the demand for nature.
7. Strong anti-counterfeiting ability
The use of digital currency needs to prove the ability to possess specific secrets, and the transaction supports multiple witnesses. So it is impossible to forge digital currency without being discovered.
8. strong portability
Different from cash, if you put 654.38+/kloc-0.0 million yuan in cash in your wallet, it is basically full, but there is no upper limit for digital RMB. Whether it is 654.38+ 1000 yuan or 654.38+ 1 100 million yuan, you can put it in your wallet, and there is no upper limit on the balance.
9. Good anonymity
RMB digital currency can make small transfers between individuals anonymous and effectively protect users' privacy.
10. Low cost of capital
Due to the digital form of digital currency, its transfer and maintenance costs are very low. Unlike Alipay and WeChat, digital RMB is the same as paper money, and there is no handling fee for cash withdrawal.
1 1. Mandatory.
Digital currency is legal tender, so when we use digital RMB, no organization can refuse it. Sometimes we can't use WeChat and Alipay in our life, but only support cash payment, which is very inconvenient for us who are used to using mobile phones. Digital currency has solved this problem, and digital RMB can be paid by mobile phone, without fear of being refused payment.