I bought some vegetables with the red packet of RMB. " Zhao Min, who lives in Bao'an District, Shenzhen, is the "lucky man" in the recent two rounds of digital RMB red envelope activities. In the first round of activities, she won the 128 yuan digital RMB red envelope. After opening the digital RMB wallet, she immediately went to the supermarket to experience the digital RMB offline payment; In the second round of activities, she won another 88 yuan red envelope. This time, she chose online shopping and ordered her favorite fruits and vegetables online. Recently, many places have issued digital RMB red envelopes to stimulate consumption. Just looking at the data released by meituan, as of June 20, nearly 8million digital RMB sub wallets had been pushed to meituan app, and nearly 6million users spent digital RMB in meituan. The data released by JD technology also shows that during the "618" activity, users spent 400million yuan on JD app, a year-on-year increase of more than 18 times. Distribute multi currency red envelopes Recently, many places have issued digital RMB red envelopes to stimulate consumption. On May 30 and June 9, Shenzhen issued 30million yuan of "Tesco Shenzhen" digital RMB red packets through meituan platform in two rounds, which can be used in more than 15000 offline merchants with digital RMB write off function in Shenzhen and consumption scenarios of meituan platform. After receiving the red envelope, many Shenzhen citizens try digital RMB payment online and offline. In addition, Shenzhen citizens who won the lottery showed their consumption experience on the social platform. "Today, they received a red envelope, bought 10 bottles of drinks in Meiyijia and ordered 4 cups of Naixue" and "88 yuan in the digital RMB red envelope, and bought Wahaha in the convenience store to reward themselves". In Chengdu, Sichuan Province, the activity of digital RMB consumption coupons is also in full swing. It is reported that Chengdu Digital RMB consumption coupons were issued through the meituan platform. There were three rounds of activities, starting on June 12, 19 and 26 respectively. "The consumption coupons issued this time are divided into four types: Catering takeout, supermarket convenience, hotel home stay and scenic spot tickets. They can be applied to rich life scenes such as eating delicious food, buying fresh food, booking hotels and visiting scenic spots." According to the person in charge of relevant activities of meituan, the issuance of Chengdu consumption vouchers has accelerated the organic integration of online and offline consumption and promoted the recovery of consumption. "The technical characteristics of digital RMB make it very suitable for precise consumption promotion." Wangpengbo, financial analyst of Broadcom consulting, said that through smart contract technology, the use time and scope of application of digital RMB red envelopes can be accurately set. According to the data released by the people's Bank of China, by the end of 2021, there had been more than 8.0851 million digital RMB pilot scenarios, 261million personal wallets had been opened, and the transaction amount was 87.565 billion yuan. On March 31 this year, the pilot scope of digital RMB was further expanded. On the basis of the existing pilot areas, Tianjin, Chongqing, Guangzhou, Guangdong Province, Fuzhou, Xiamen, Fujian Province and Zhejiang Province will be added as the pilot areas. Beijing and Zhangjiakou, Hebei Province will become the pilot areas after the completion of the pilot sites for the 2022 Beijing Winter Olympic Games and the winter Paralympic games. Wangpengbo believes that under the promotion effect of "618" related activities, the number of users covered by digital RMB and the number of wallets opened is expected to usher in a new round of growth. Boost the recovery of small and medium-sized merchants "After the Shenzhen consumption coupons and digital RMB red envelope activities started, business was better than before, and there were many more orders for the Dragon Boat Festival than before." "Duo Jing Xuan" supermarket official told reporters. "Duo Jing Xuan" is a 24-hour chain supermarket in Shenzhen, mainly engaged in snacks, beverages, towels, toothbrushes, washbasins and other food and daily necessities. Affected by the epidemic, the operation of "Duo Jing Xuan" is not ideal. In the recent round of digital RMB red envelope activities in Shenzhen, the business of "Duo Jing Xuan" has improved. According to the person in charge of "Duo Jing Xuan" supermarket, more than 20 of its chain supermarkets benefited from digital RMB red envelopes, and the total order volume during the Dragon Boat Festival this year increased by about 30% month on month compared with that before the festival. Meituan data shows that during the Dragon Boat Festival, the online digital RMB trading orders on the platform accounted for 10% of the total online orders of the store. In addition, from May 30 to June 19, during the Shenzhen digital RMB red envelope activity, users who signed up for the activity have used digital RMB for consumption in more than 52000 local meituan merchants in Shenzhen. The transaction order volume and order amount of these merchants on the meituan platform increased by 58.9% and 64.6% respectively compared with the same period last year. The issuance of consumption coupons has also stimulated the consumption enthusiasm of Chengdu citizens in Sichuan. Ms. Dai and her family, who live in Jinjiang District, Chengdu, grabbed the "30 yuan less than 100 yuan" coupon in the supermarket and "15 yuan less than 50 yuan" coupon for takeout when the first batch of local consumption coupons were issued on June 12. At noon that day, she ordered takeout with her newly obtained consumption coupon. "The busy days of the store are back." The owner of a barbecue shop in Chengdu high tech Zone said that recently, the takeout orders in the shop have been restored. After the start of the consumption coupon activity, the number of customers using the consumption coupon to order takeout is increasing. Zhoumaohua, a macro researcher of the financial market department of Everbright Bank, believes that the combination of digital RMB with consumer vouchers, e-commerce platforms and other scenarios will help promote digital RMB and accelerate the recovery of the consumer market. Relevant data show that from June 12 to June 19, after the first batch of consumption coupons were issued on the meituan platform, Chengdu users who signed up for the event have used digital RMB to consume in more than 35000 local meituan merchants in Chengdu. The transaction order volume and order amount of these merchants on the meituan platform increased by 40.9% and 33% respectively compared with the same period last year. Driven by various digital RMB red envelopes and consumption coupons, consumers' enthusiasm for using digital RMB for consumption has been ignited. According to the data, from May 30 to June 19, the daily average number of RMB trading orders on the meituan platform increased by about 115% month on month. From the data, the digital RMB red envelope has played a more obvious role in stimulating small people's livelihood consumption. In January this year, meituan opened a digital RMB payment channel in various consumption scenarios on the platform and launched consumption subsidies. Since January, more than 90% of the digital RMB subsidies on the meituan platform have gone to the daily consumption scenes of people's lives, such as purchasing daily necessities and ordering takeout. Among them, small transaction orders less than 30 yuan account for the highest proportion. Digital RMB consumption promotion activities in more pilot cities are still under way. Wenzhou, Zhejiang Province, issued 30million yuan of digital RMB red envelopes from June 19 to 21; The digital RMB red envelope activity in Xiamen, Fujian Province was launched on June 22, with a digital RMB red envelope of 20.22 million yuan and a digital RMB coupon totaling 40million yuan; From June 18 to June 30, Suzhou, Jiangsu Province will issue 20000 digital RMB targeted consumption red envelopes, totaling 1million yuan. Dig deep into multiple application scenarios In addition to daily consumption scenarios such as food, clothing, housing and transportation, financial consumption has also become another focus of digital RMB scenario construction. On June 10, the first digital RMB automobile insurance policy in China was launched. A financial consumer used digital RMB to pay for auto insurance, marking the successful implementation of digital RMB in auto insurance application scenarios. Recently, many banks are also actively exploring to build various application scenarios and layout the digital RMB service ecosystem. Recently, the reporter saw on the app of China Construction Bank that the Bank launched the digital RMB financial management service, and provided two financial products for financial consumers in the financial management zone, supporting the use of digital RMB "from 1 yuan". How to manage the digital RMB change is also the focus of consumers' attention recently. ICBC, China Construction Bank and Agricultural Bank of China have all launched the digital RMB wallet balance intelligent management function, providing services such as digital RMB combined payment, real-time red packet issuance and automatic redemption of wallet balance back to bank account. According to the data of CCB's semi annual report and annual report last year, from the end of June 2021 to the end of 2021, the cumulative transaction amount of digital RMB increased from 18.9 billion yuan to 43.5 billion yuan, with a half year growth rate of 130.16%; The cumulative number of transactions increased from 28.45 million to 84.75 million, with a half year growth rate of 197.89%. The exploration of digital RMB in some financial scenarios has been welcomed by consumers. Wangpengbo believes that this is a more high-frequency application scenario for consumers, which is of positive significance for the promotion and popularization of digital RMB. With the continuous promotion of digital RMB in pilot cities, digital RMB is expected to continue to achieve new breakthroughs in more diversified scenarios. "The value of digital RMB in promoting consumption and promoting financial inclusion has gradually emerged." Wangpengbo said that digital RMB projects are being piloted in insurance, prepayment, loan issuance, B2B capital settlement, rent leasing and other scenarios by using the scalable and directional characteristics of digital RMB combined with smart contracts. To sum up, the advantages of digital RMB can be brought into play as long as there are several conditions such as directional payment, opaque transaction process and difficult to restrict the use of transaction funds. "The starting point and foothold of digital RMB research and development and pilot projects are precisely to serve the real economy and facilitate people's livelihood." Dongximiao, chief researcher of Zhaolian finance, said. Earlier, when talking about the next development direction of digital RMB, the relevant person in charge of the people's Bank of China said that it is necessary to further deepen the pilot use of digital RMB in retail transactions, living expenses, government services and other scenarios, and put the research and development pilot of digital RMB into serving the real economy and people's lives, so that more enterprises and individuals can feel the value of digital RMB. Dongximiao believes that China's mobile payment is very developed and there are many mobile payment tools, so the richness of scenarios often affects users' choice and use experience. The perfect ecosystem and rich application scenarios can make digital RMB ubiquitous and accessible, and then attract more people to choose to use it. With the development of more and more red envelope activities in various pilot cities and the access of diversified livelihood application scenarios, insiders expect that the digital RMB is expected to be significantly improved in terms of application ecology, transaction scale and the number of personal wallets. (Xinhua News Agency)