With four big banks undergoing major home appraisals, when will the digital bank buy real estate?

On August 5, news reports reported that several large state-owned enterprises in the state had tried large-scale digital wallet apps in Shenzhen and elsewhere as well as four banks preparing en masse for the digital results to be released.

When the news broke, it received a lot of attention. Digital money seems to be the order of the day soon.

The digital benefits app is in private beta.

This information is not intended.

On April 14 of this year, news broke on the internet that the Agricultural Bank of China had conducted an internal experiment of the DC / EP digital banking wallet. At the same time, some analysts have speculated that in addition to the Agricultural Bank of China, there are many other large state-owned enterprises that will complete and open bank wallets one after another.

Today the news has confirmed more.

Mid-sized banks have taken the lead in digital profits, and many banks have attempted the status quo in recent months, state corporations say. Recently, four big banks in industry, agriculture, China and China Construction tried the large-scale “digital RMB” application and decided to ship it. , etc., it is still in the internal testing phase. Another said: “The app cannot be downloaded to the public at any time and will have a unique number when you open the app. ".

Another major banker said, "The app is still under testing and has not been fully developed, such as using the 'digital RMB' app to send money."

Several companies reported that internal testing of digital products had taken place in some regions, including Shenzhen, which was initially similar to that announced by the Digital Currency Research Institute of the People's Financial Institution of China.

Last month, Shenzhen announced the "Shenzhen Implementation Action Plan" of "the approval of financing for the development of the Guangdong-Hong Kong-Macao Wider Bay region". The videoconferencing industry in the second half of 2020. The conference showcased the first semester of electronic videoconferencing research and development. "

There is no doubt that China's digital economy has fully developed.

Many cities and companies collaborate to promote collaboration

The news that the central bank is experimenting with digital advantages is a favorite and a willingness to cooperate with many local communities.

Today, it is reported that Hebei Zulu City has requested digital currency from the central bank for environmental protection and other financial aid. According to Bo Sheng, founder of Lezhi Technology, the app developed by his company with Julu County, Hebei Province, includes various benefits such as oil to coal, power to coal, click on poverty reduction , training and purchasing. The farm and furniture information in the intermediate application scenario creates a blockchain multi-signature system. Recently, the central bank has also applied for subsidies for digital advantages. Residents can receive grants in the form of DE / EP within the year. Actually.

In July, three national pilot projects were planned: Suzhou Digital Credit Research Experimental Zone, Digital Currency, Financial Technology Innovation and Management, to promote digital exchanges in key areas through “Smart Business Circle” services, and at the end of this month, Hangzhou He intends to encourage companies to become leaders in supporting the bank's digital banking experience. Digital financial information.

In addition to the government, many companies have said they are working or planning to work with digital bank funds.

Internet company Didi Chuxing announced that it is collaborating to research and research the latest developments and use of the digital yuan in smart travel through a partnership with the Central Bank's Digital Currency Research Institute. China has held talks in Beijing to discuss banking operations with Meituan, and the Digital Benefits Pilot Program is slated to support digital banking across all platforms. Cooperation.

Bloomberg previously reported that in addition to large online companies, the digital banking company is still 19 years old after making internal shutdowns in Shenzhen, Suzhou, Xiong'an, Chengdu and future Winter Olympics. in April of this year. Franchisees are currently doing experimental work at companies such as McDonald's and Starbucks.

Closed beta, no landing

According to data, in 2019, over 80% of midsize banks were involved in digital profit pursuit, over 40% of midsize banks were involved, six levels of digital marketing, and almost 10% of banking medium. reached the landing level.

Besides the big four banks, the Korea Post and Telecommunications Bank also participated in the implementation of the DCEP. Alibaba and Tencent were also involved in R&D work, and Huawei also provided support for the project.

As a precaution, to register the “digital RMB” application, you need to open an electronic wallet in four major banks. An electronic wallet is associated with each bank account. Users can add funds to their wallet and choose how to pay. Functions such as payments, withdrawals, exchanges and copying can be used, among these, exchange is only possible with another person's cell phone, and the network is not transmitted during operation.

In addition, according to previous news from 21 Financial Institutions, financial services companies reported that Chinese Financial Institutions have identified a number of internal circumstances for the financial crisis. Test the numerical results in a function called "Project 321". Driver events are starting to mature, and payments have been made in some cases in the bank's internal application pilot in Shenzhen and elsewhere.

However, the exact time when the "Digital RMB" application will be released has not yet been announced.

The Central Bank's Digital Currency Research Institute says that currently, publishing DC / EP data online is a key part of research and technology development, and does not necessarily mean that the digital yuan was announced. Now, the digital renminbi closing test does not affect the activities of listed companies, nor does it affect renminbi advertising and tourism, financial markets and industry outside the test site.