Digital RMB has new applications! What is the experience of receiving digital RMB salary
2023-05-16
At the 6th Digital China Construction Achievement Exhibition, visitors experienced digital RMB consumption. Photographed by Chen Bin (People's Vision), there are new application scenarios for digital RMB! Starting from May, Changshu City, Jiangsu Province, will implement full payment of wages in digital RMB for civil servants (including participating employees), public institutions, and personnel of state-owned enterprises at all levels. This is the first application scenario in China for digital RMB full salary payment for civil servants in administrative agencies and units. From issuing red envelopes to paying salaries, the promotion of digital RMB has reached a new level. At present, the pilot scenario of digital RMB combines both online and offline, covering areas such as wholesale and retail, catering, cultural and tourism, education and healthcare, public transportation, government payment, tax collection, and subsidy distribution. WeChat video accounts and mini programs are now available for payment in digital RMB starting from April 26th. How to use digital RMB for salary payment when expanding application scenarios? It is reported that digital wallets are divided into personal wallets and corporate wallets according to the issuer. Natural persons and individual businesses can open personal wallets; Legal persons and illegal human-machine organizations can open corporate wallets. To pay wages in digital RMB, companies first need to collect employees' digital wallet numbers, and then transfer the digital RMB from the company's digital wallet to employees' personal digital wallets. When employees open their personal wallets and see the newly added digital RMB, they know that the salary has been received. Can I withdraw for free? The reporter learned that transferring the digital RMB in the digital wallet to a bank card does not require a handling fee and can be "received in seconds". Users can transfer digital RMB to their personal wallet through their linked bank account, or transfer digital RMB from their personal wallet back to their linked bank account. On the digital RMB app, you can also adjust the amount of "money transfer" and "consumption". What is the experience of receiving digital RMB salary? It's quite convenient! "Said Mr. Zhang, a citizen of Changshu. The digital RMB app is easy to get started and after using it a few times, it completely adapts. In Changshu, there are many places where digital RMB can be used. It can be used by taking the subway, riding shared bicycles, paying for daily expenses, and paying for supermarkets. Suzhou, under the jurisdiction of Changshu, is one of the first pilot cities for digital RMB. Prior to this, Xiangcheng District, Taicang City, and other cities in Suzhou have implemented the digital RMB issuance of partial wages and transportation subsidies for governments, public institutions, and state-owned enterprises. From January to March this year, there were a total of 8.098 million transactions in Suzhou's digital RMB pilot program, with a total transaction amount of 170.467 billion yuan; The number of personal and corporate wallets has steadily increased, with a total of 26.916 million personal wallets and 1.7936 million corporate wallets opened in the city. Dong Ximiao, Chief Researcher of Zhaolian Finance, told our reporter that Changshu provides salaries to public officials in the form of digital RMB. From point to point, it will continuously expand the application scenarios of digital RMB, optimize the pilot environment of digital RMB, help change public attitudes, cultivate usage habits, and further promote the application and promotion of digital RMB. Since the People's Bank of China launched the pilot work of digital RMB, various pilot areas have actively explored new application scenarios. At present, the offline consumption scenarios of digital RMB are gradually becoming more diverse, initially covering retail consumption scenarios such as clothing, food, housing, and transportation, and in the salary agency
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