Tips：
1. How to create a digital RMB wallet? Download the "Digital Yuan (Pilot) App" in the app store, click "Register", enter the verification code, set the login password, click "Open Wallet", and choose one of the 9 institutions to open.
2. What should I do if I find that the balance is insufficient when making payment? Click "Charge Wallet" to bind the bank card and recharge it with it.
3. What should I do if the single limit is too small? Click on the wallet page, click "..." in the upper right corner after turning the page, and select "Upgrade Wallet".
4, the current market has appeared digital yuan scam, in the name of "appointment information registration", prompting users to have a certain amount of RMB balance in the card to experience, be vigilant about this, only use the mobile phone number can directly open the digital RMB anonymous wallet, and there is no mandatory card binding requirements.
As a "large-scale distribution center" of the annual hot word, the Spring Festival Gala is a platform to "test" whether a term is hot enough. On the stage of the 2022 Spring Festival Gala, the hot words of the 2021 year have been moved into the program, and the digital yuan has also appeared in a sketch of the Beijing Spring Festival Gala.
Beijing citizens should be familiar with the digital yuan. As one of the pilot sites, in the past year, we have seen the digital yuan gradually penetrate into all aspects of life, from shopping mall consumption, riding shared bicycles, to ordering takeaways, charging phone bills, watching movies and so on.
This Spring Festival, digital yuan activities are also bustling. On the eve of the Spring Festival, Shell Financial Reporter received a TEXT message notification from the Agricultural Bank of China's "Digital Currency Spring Festival" activity, and drew a consumption red envelope according to the activity guide, which was received in real time and was valid within one month. In addition to Beijing, pilot areas such as Suzhou, Shenzhen and Chengdu have also issued digital RMB red envelopes to help residents spend during the Spring Festival holiday.
This Spring Festival is also different because of the "meeting" of the Winter Olympics, and the digital yuan has attracted more attention as a digital financial business card of this event.
At present, it is not difficult to experience the digital yuan, in addition to participating in the above activities, users in the pilot area can also download the digital yuan app in major app stores, open a wallet, and charge as you go. Do you use it?
1 cent to draw experience gold, shopping mall shopping 100 minus 50, more places to send Spring Festival red envelopes
On the eve of the Spring Festival, the reporter received a text message notification from the ABC's "Digital Coin Spring Festival" activity, and spent 1 cent to draw an 8 yuan consumption red envelope in the digital YUAN special area of the ABC Palm Bank "Xiaodou Paradise", which can be purchased online in the special area, and the red packet is valid until February 28. According to the rules of the event, a total of 500,000 digital RMB experience funds will be issued this time, up to a maximum of 188 yuan, and the newly opened digital yuan wallet can also enjoy 10 yuan more experience gold during the event. The scope of activities covers 11 digital yuan pilot areas such as Beijing, Shanghai, Shenzhen, Hainan, Changsha and Xi'an.
The Spring Festival holiday is the peak season for offline consumption, and many pilot areas have distributed digital RMB red envelopes to help residents consume. For example, shenzhen organized six state-owned commercial banks in China, agriculture, industry, construction, communications and postal savings to issue a total of 25 million yuan of digital yuan red envelopes, covering food, clothing, housing and transportation, specific activities including a penny by bus subway, Yitian Holiday Square 100 yuan minus 50 yuan and so on. A total of 26,900 rmb consumption red envelopes were distributed in Xinjin District, Chengdu, which can be spent at designated merchants in Xinjin during the event.
Suzhou has launched a full reduction in the use of digital yuan to pay for movie tickets. According to local media reports, during the Spring Festival, Suzhou audiences can use ICBC's digital yuan consumption in 10 cooperative theaters in the city, and enjoy a single payment of 50 yuan and a discount of 20 yuan.
The "Digital Yuan" sign next to the self-service cash register of Wumart Supermarket.
Ordering takeaway and watching movies is becoming more and more diverse, and Olympic-related personnel can enjoy digital yuan services in closed-loop management hotels
One-time preferential activities can only attract users in the short term, Li Lihui, former president of the Bank of China, once told reporters that the digital yuan needs to reach a certain market size in order to fully realize its social value and commercial value. The premise of scale has two keys, one is to optimize the underlying technical architecture and achieve large-scale and reliable applications; the other is to develop and build rich application scenarios to integrate the digital yuan into all aspects of people's daily lives.
The early stage of the digital yuan pilot mainly covered the consumption scenarios of commercial supermarkets. The reporter previously found in daily consumption that supermarkets such as Wumart, Walmart, Burger King and other supermarkets and restaurant chains have increased digital yuan payments.
"We have been online (digital yuan) for some time, and customers can choose 'multi-point' scan code payment, digital yuan payment, etc. when self-checking." On the first day of the Chinese New Year, a Wumart supermarket was bustling, and the staff told reporters that there were also customers who downloaded digital yuan wallets, but they were not skilled or would not recharge, and they would guide them next to them.
In addition to daily consumption, the digital yuan also covers various scenarios such as transportation and travel, green and low-carbon at this stage. Recently, Meituan announced that it will open a digital yuan payment channel for the platform's offline consumption full scene, and users can pay through digital yuan in scenarios such as ordering takeaway, taking a taxi or watching movies.
Tencent, JD.com and other Internet companies with hundreds of millions of users and high-frequency C-end usage scenarios also announced new applications of digital yuan this year, such as JD.com's third-party merchants accessing the digital yuan system, and WeChat supporting digital yuan payment. According to the data released by the central bank, by the end of 2021, the number of digital yuan pilot scenarios has exceeded 8.0851 million, compared with the data on June 30 of that year, and the number of scenes has increased by 6 times in half a year.
The upcoming Beijing Winter Olympics, which opens on February 4, is also an important scenario for the digital yuan pilot. According to the central bank's operation management department, Olympic-related personnel can obtain digital yuan services without leaving their homes and in almost all closed-loop management hotels. According to Liu Jin, president of the Bank of China, the bank exclusively undertakes the pilot service of digital yuan within the red line of the Winter Olympics security, and has created more than 40,000 acceptance scenes in Beijing and Zhangjiakou areas, covering the diversified needs of food, housing, travel, travel, shopping, and entertainment.
Upgrade the wallet, use the charge, teach you to unlock the multiple functions of the Digital Yuan App
At present, it is not difficult to experience the digital yuan, on January 4 this year, the digital yuan App was listed on the shelves of major application malls, and users in the pilot area can download it independently.
How do I activate? Shell financial reporter downloaded the App after the test, do not enter the name, ID card number, bank card number and other personal information, only use the mobile phone number can directly open an anonymous wallet, after opening can be upgraded to a real-name wallet as needed. There are 9 options for ICBC, ABC, BANK OFC, CCB, Bank of Communications, Postal Savings, China Merchants Bank, MYbank (Alipay), and WeBank (WeChat Pay).
Wallets opened with only mobile phone numbers are "four types of wallets", which can be upgraded to two or three types of wallets in the App "wallet management" after opening, and can also be upgraded when using functions such as "charging wallets" and "deposit banks". Three types of wallets require real-name authentication, and an ID card information is added to the processing requirements; the second type of wallet supports tied cards, and the processing requirements increase the ID card and the bank account of the person. On the basis of the second type of wallet, the requirement of "on-site interview with the operating institution" has been added.
The higher the wallet level, the higher the limit. For example, the single payment limit of the four types of wallets is 2,000 yuan, the third type of wallet is 5,000 yuan, the second type of wallet is 50,000 yuan, and the first type of wallet has no upper limit.
The reporter binds the bank card to upgrade to the second type of wallet after the test payment, the balance in the wallet is insufficient and there is no need to manually recharge, how much is missing. It is understood that in order to ensure the safety of transactions, the operating agency may lower the personal limit within the upper limit of the limit, and the user can view and adjust it in "Wallet Management".
Beijing News shell financial reporter Cheng Weimiao Editor Chen Li Proofreader Wang Xin Guo Li