Introduction
From the primitive tribal period to the present, from barter (such as shells) to metal currency (such as copper coins), paper money (such as renminbi) to electronic money, with the development and upgrading of technology, money is essentially pursuing the convenience of transactions. Sex and low cost.
However, in recent years, as the excessive distribution of banknotes has led to increased inflation and frequent security crises in third-party payments, at the same time, mobile Internet, cloud computing, secure storage, and blockchain technologies have continued to evolve, and payment methods have also been used globally. Great changes are taking place.
In 2009, Bitcoin, which is not controlled by the National Bank or any financial institution, was born. Subsequently, the decentralized virtual digital currency represented by it came into being.
However, virtual currency has problems such as large currency fluctuations, difficult supervision, and insecure security. It cannot be circulated on a large scale, and its function tends to be investment rather than payment.
In June 2019, Facebook-led cryptocurrency Libra was born, and announced that it would establish a simple global currency and financial infrastructure. The concept of digital currency has attracted widespread market attention.
Central banks of various countries are accelerating the deployment of R&D centralized digital currencies. Legal digital currencies are credit-backed by the state, anchored in value, have credit creation functions, and have a substantial effect on the economy.
The Chinese version of the digital currency project, DCEP (Digital Currency Electronic Payment), is the legal digital currency in the research of the People's Bank of China, and it is a type of digital currency.
In 2020, my country's digital renminbi will conduct regional pilot work for the first time in Shenzhen, Luohu, Suzhou and other places. This pilot is a key node for the digital renminbi to be relatively open to the public from internal closed testing.
In addition to software, the current digital RMB wallet also presents a variety of "hardware" forms. The so-called "hardware wallet" refers to the storage of the private key of digital assets in a chip, isolated from the Internet, and plug and play. It can be expressed in multiple forms such as mobile terminals, video cards, and even wearable devices.
On January 5, in the staff canteen of Tongren Hospital affiliated to Shanghai Jiaotong University School of Medicine, a doctor used the technology provided by China Postal Savings Bank to take the lead in using the digital renminbi "hard wallet" to achieve a one-stop experience of ordering, spending, and paying.
This pilot is the first time that a hard wallet payment model that is separated from mobile phones has been realized. This makes it possible for people who have difficulty in using smart terminals to use digital renminbi, and to bridge the digital divide.
The future is a digital age, and everything will be digitized. Digital RMB will surely bring a series of brand new business opportunities and promote the further development of the digital economy.