Not yet. 65438124 October, Shanghai Mayor Gong Zheng said in the "Government Work Report" that he would continue to promote the financial industry to open wider to the outside world, continue to gather a number of functional and headquarters institutions, and promote the pilot project of digital RMB. Shanghai will promote the pilot of digital RMB this year, and Beijing will promote the pilot application of digital RMB. Shenzhen has launched three digital RMB pilot projects this year, with a total red envelope of 60 million yuan. Guangdong plans to build digital currency Innovation Experimental Zone this year.

One: What is digital RMB?

Digital RMB is the legal tender in digital form issued by the People's Bank of China. It is operated by a designated operating organization and exchanged with the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, which is equivalent to paper money and coins, has value characteristics and legal compensation, and supports controllable anonymity.

The concept of digital RMB has two key points. One is that digital RMB is legal tender in digital form; Another point is that it is equivalent to paper money and coins. Digital RMB is mainly located in M0, that is, cash and coins in circulation.

According to the Notice of the Ministry of Commerce on Printing and Distributing the Overall Plan for Comprehensively Deepening the Innovation and Development of Service Trade on August 4, 2020, the pilot areas for comprehensively deepening are Beijing, Tianjin, Shanghai, Chongqing (Fuling District and other 2 1 municipal districts), Hainan, Dalian, Xiamen, Qingdao, Shenzhen, Shijiazhuang, Changchun, Harbin, Nanjing, Hangzhou and Hefei.

Two: the payment forms of digital RMB are 1 and double offline payment. Like paper money, it can meet the needs of electronic payment in places with poor network signals such as airplanes, cruise ships and underground parking lots;

2, the security is higher. If theft really happens, for real-name wallets, digital RMB can provide loss reporting function;

3. Multi-terminal selection. People who are unwilling or unable to use smart phones can choose IC cards, function machines or other hardware;

4. Multi-information intensity. According to the intensity of mastering customer information, digital RMB wallets are divided into several grades. For large payment or transfer, real-name registration system wallet with high information density must be used;

5. Point-to-point delivery. Through the way of digital currency smart contract, the delivery from fixed point to person can be realized. People's livelihood funds can be distributed to people's digital wallets, eliminating the possibility of false reporting, interception and misappropriation;

6. High traceability. In the case that the competent department issues the corresponding legal documents in strict accordance with the procedures, the corresponding data verification and cross-comparison are carried out to provide information support for cracking down on illegal crimes. Even if corrupt elements break up into parts, it is difficult to escape supervision.