With the hot launch of digital RMB (pilot version) app, the steady expansion of its business pilot and the "flowering" of application scenarios, especially with the gradual access of high-frequency livelihood application scenarios, digital RMB is accelerating its integration into public life. Industry insiders said that with the digital RMB basically realizing the full coverage of people's daily life scenes, this may mean that the digital RMB has found a better combination with high-frequency consumption scenes to promote the universality and availability of digital RMB while serving the real economy and people's life in a wider range. Second speed payment to Bing dwen dwen According to incomplete statistics, during the Spring Festival this year, consumers in 12 digital RMB pilot cities and regions across the country used digital RMB payment in the form of online and offline full scene, and performed well in the digital RMB consumption season for the first time. Since the official launch of the digital RMB (pilot version) app at the beginning of 2022, its sub wallet has been pushed to more than 50 platforms, including meituan, jd.com, Yitong, Didi travel, tmall supermarket, Ctrip, Shunfeng, online state grid and iqiyi, covering many scenes such as eating, drinking, entertainment, clothing, food, housing and transportation. According to the data of meituan platform, as of February 7, the average number of daily digital RMB transactions on meituan platform increased by 56.40% compared with the week before the festival; The average daily RMB transaction amount of meituan platform increased by 68.54% compared with the week before the festival. In addition, insiders believe that the Winter Olympics is gradually becoming a new opportunity for the popularization and promotion of digital RMB. According to the observation of the reporter of economic information daily, both the rich non-contact payment function of digital RMB and the diversified trendy operation have won the experience and praise of countless consumers at home and abroad. In the licensed retail store of Beijing Wangfujing Winter Olympic Games, the reporter noted that more and more consumers choose to use digital RMB for payment. Bing dwen dwen told reporters that "digital renminbi is the fastest way to use. For consumers accustomed to mobile payment, the use of digital renminbi is more secure and efficient, and the second time is the" net red "ice pier. It is understood that in order to maximize the convenience of people's use of digital RMB, relevant departments continued to promote the full coverage of digital RMB payment acceptance systems at bank acceptance end, merchant service end and personal consumption end during the Winter Olympic Games, so as to expand the number of digital RMB consumption scenes to 403000, covering many life scenes such as "food, housing, transportation, tourism, shopping and entertainment". At the same time, in order to facilitate foreigners to use digital RMB during the Winter Olympics, relevant departments have optimized the operation process of downloading digital RMB app. For example, foreigners using apple mobile phones can go to the app store to search for digital RMB and download and install digital RMB app through overseas mobile phone numbers by registering Apple ID in China, Quickly open a digital RMB wallet and exchange cash or bank card for digital RMB consumption; Foreigners using Android phones download and install the digital RMB app on the official digital RMB download page. It is reported that at present, the digital RMB app supports the registration of mobile phone numbers and the opening of wallets in nearly 100 countries and regions participating in the Winter Olympics. Provide new entrances for small and micro enterprises In the view of insiders, the diversified payment methods of digital RMB such as touch, code scanning payment and online purchase have accelerated their integration into public life and helped many small and micro enterprises obtain new traffic entrances while facilitating non-contact payment and fully meeting the epidemic prevention requirements of the Winter Olympic Games. Pan Helin, member of the information and communication economy expert committee of the Ministry of industry and information technology and executive director of the Digital Economy Research Institute of Central South University of economics and law, said that the unique advantages of digital RMB lie in that, on the one hand, it provides security and well protects the security of users' personal information; On the other hand, it provides convenience, especially during the epidemic, digital RMB can realize commodity trading in more scenarios, such as offline scenarios. "The use of digital RMB in meituan catering takeout, vegetable shopping and other scenes shows that digital RMB has achieved remarkable results in the full test stage." Wang Pengbo, a senior analyst in the financial industry of Broadcom consulting, said that specifically, first, the underlying technology is increasingly improved and optimized to meet the digital RMB collection, payment and settlement needs of different merchants in different scenarios; Second, digital RMB began to form a more effective combination with more and more high-frequency consumption scenes, began to serve the real economy and people's life on a larger scale, helped many small and micro enterprises obtain new traffic entrances, and supported the development of the real economy of small and micro enterprises. Dong ximiao, chief researcher of Zhaolian finance, said that the opening of digital RMB payment in the whole scene will help accelerate the pilot promotion of digital RMB, promote the interconnection of payment field, and facilitate the livelihood of real enterprises and people, which is of positive significance and demonstration role. As the digital RMB enters the full experimental stage, the starting point and foothold of the research and development and pilot of digital RMB is to serve the real economy and facilitate people's livelihood. The future development prospect is promising As for the next development direction of digital RMB, Zou LAN, director of the financial market department of the people's Bank of China, said at a press conference held by the state information office that we should further deepen the pilot use of digital RMB in retail transactions, living payment, government services and other scenarios, and put the R & D pilot of digital RMB into serving the real economy and people's life, so as to enable more enterprises Individuals can feel the value of digital RMB. With the in-depth application of digital RMB in the Winter Olympics, industry insiders suggest that some exploration can be carried out at the international level in the future. Pan Helin said that considering that digital RMB can replace the use of some cash, the development of digital RMB in the future can not be limited to domestic scenarios. It is suggested to explore cross-border use. (Xinhua News Agency)