個人數字人民幣錢包即將亮相

{"type":"doc","content":[{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"​數字人民幣試點測試又迎來新進展！深圳市人民政府近期聯合中國人民銀行開展了數字人民幣紅包試點，該紅包採取\"搖號抽籤\"形式發放，抽籤報名通道於9日正式開啓。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"隨着數字人民幣試點測試工作穩步推進，數字人民幣正逐漸掀開“神祕面紗”。此次數字人民幣紅包試點將是個人數字人民幣錢包首次在大衆面前亮相，爲部分試點地區消費者帶來新奇的支付體驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"strong"}],"text":"1000萬元數字人民幣紅包，咋得到？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"這幾天，深圳的消費者着實令人羨慕，不僅因爲深圳市人民政府將發放1000萬元“紅包”促消費，更是因爲這5萬個紅包將以“數字人民幣”形式發放。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"9日一大早，深圳市民畢先生就通過手機在“i深圳”活動預約平臺進行了登記。“很慶幸數字人民幣在深圳試點測試，我對數字人民幣期待已久，希望第一波體驗一下數字人民幣應用。”畢先生興奮地告訴記者。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"儘管很多人對數字人民幣消費充滿期待，但並非每個深圳市民都有機會體驗。深圳市相關部門介紹，此次面向在深圳的個人發放1000萬元“禮享羅湖數字人民幣紅包”，採取“搖號抽籤”形式發放。個人需預約登記，申請抽籤。中籤人員可根據中籤短信指引，下載安裝“數字人民幣App”，開通“個人數字錢包”後領取。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"這將是個人數字人民幣錢包首次在大衆面前亮相。此前，人民銀行數字貨幣研究所所長穆長春介紹，只要消費者手機上有數字人民幣錢包，不需要網絡，只要手機有電，兩個手機“碰一碰”，就能把一個人數字錢包裏的數字貨幣轉給另一個人。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"記者瞭解到，通過數字人民幣錢包消費，不需要綁定任何銀行賬戶，能夠做到可控匿名。此次預約活動明確提到，即便沒有工、農、中、建四家大行的銀行卡，也可以參與預約，數字人民幣紅包的領取和使用無需綁定銀行卡。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"不過，200元的紅包對於一些人來說，還是不夠花。對此，此次活動安排，支付超過紅包金額的交易，需要使用四家大行中任意一家的銀行卡，對錢包進行充值或綁定錢包。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"strong"}],"text":"3000多家商戶無門檻消費，怎麼用？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"中籤的“幸運兒”該如何使用數字人民幣紅包呢？記者瞭解到，中籤人員可於10月12日18時至10月18日24時，在深圳羅湖區轄內已完成數字人民幣系統改造的3389家商戶無門檻消費。但紅包不能轉給他人或兌回至本人銀行賬戶，超過有效期未使用的紅包將被收回。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"記者從相關部門瞭解到，此次參加消費活動的商戶種類多樣，線下消費場景豐富，包括商場超市、餐飲酒店、書店、加油站……幾乎可以滿足大部分人日常消費所需。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"對於消費者而言，使用數字人民幣很像現在“揮一揮”等非接觸支付方式，但又有所不同。記者瞭解到，數字人民幣具有法償性，但不是無限法償性。這意味着，只有經過系統改造、具備能力的商家才能接受數字人民幣。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"這和使用現金有較大差別。按照現行規定，商鋪不可拒收現金。儘管數字人民幣定位於替代部分現金，但支持數字人民幣消費必須進行相關支付系統改造，所以對接受的商戶有條件要求。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"這也使得數字人民幣在流通過程中，需要支付鏈條上各方共同推進。近期，央行數字貨幣研究所與京東數字科技集團達成戰略合作，共同促進數字人民幣的移動應用功能創新及線上、線下場景的落地應用。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"人民銀行副行長範一飛此前撰文稱，在數字人民幣流通過程中，考慮到技術基礎和系統管理要求較高，可由作爲指定運營機構的商業銀行與其他商業銀行及相關機構進行合作，在釐清責權利關係的基礎上，共同向公衆提供數字人民幣流通服務。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"strong"}],"text":"數字人民幣應用探索加速，影響幾何？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"數字人民幣定位於替代部分現金，不會對一般貨幣供應產生影響。數字人民幣如果順利進入大衆生活後，到底會帶來哪些影響？此次深圳試點的探索或能給出部分答案。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"深圳市相關部門明確提出，開展數字人民幣紅包試點，是深圳市在疫情防控常態化期間，爲刺激消費、拉動內需開展的創新實踐。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"其實，此次試點正式啓動前，人民銀行曾與深圳羅湖區政府開展過一次小範圍的嘗試。當時針對在新冠肺炎疫情防控中做出重要貢獻的部分醫護工作者，發放了數字人民幣紅包，並可在指定商戶進行消費。數字人民幣使用的便捷性、高效性和安全性在此次嘗試中得到了不少消費者的認可。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"人民銀行行長易綱明確表示，法定數字貨幣的研發和應用，有利於高效地滿足公衆在數字經濟條件下對法定貨幣的需求，提高零售支付的便捷性、安全性和防僞水平，助推我國數字經濟加快發展。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"近年來，移動支付發展較快，不少消費者已不帶現金、銀行卡出門，僅一部手機就能滿足小額支付需求。移動支付如此方便，爲何還要推出數字人民幣？"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"穆長春表示，隨着移動支付日趨重要，央行需要推動支付體系與時俱進，通過頂層設計推出數字形式的法定貨幣，作爲純公共產品，成爲電子化支付的重要補充。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"央行召開的2020年下半年工作電視會議提出，下半年將積極穩妥推進法定數字貨幣研發。記者瞭解到，目前數字人民幣試點仍是“4+1”，在深圳、蘇州、雄安新區、成都及未來的冬奧場景進行內部封閉試點測試。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","text":"數字人民幣試點正在加速推進應用落地，隨着客戶體驗不斷提升和優化，有望給大衆帶來更加便捷、高效、安全的支付新體驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}}]}