The 1st anniversary of the digital renminbi pilot, what do the people of Shanghai Minhang think?

数字法币研究社 view 38 2021-11-26 10:00
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On August 14, 2020, the Ministry of Commerce announced the "Declaration on Innovation Research and Industrial Economy Development", requesting the completion of the digital yuan project in the Beijing-Tianjin-Hebei region. Suitable places in the Yangtze River Delta, the Guangdong-Hong Kong-Macao Greater Bay Area and the Midwest Region.

数字人民币试点一周年,上海闵行居民怎么看?

In October 2020, for RMB digital test was added, including Shanghai, Hainan, Changsha, Xi'an, Qingdao and Dalian. As the second city in the test, Shanghai was quick to launch its renminbi pilot project. What is the digital renminbi? How to use the digital renminbi? What is the difference between RMB digital payments and Alipay and WeChat? Is the digital yuan safe? To better understand public perception of the digital yuan and their intended use of the digital yuan, the National Security Council recently conducted a survey of 252 citizens.The search results are as follows.1. More than 60% of the population understands the digital renminbi, and the main channels of understanding are TV, newspapers, online social media, etc.Knowledge of the digital yuanIt was found that 64.3% of respondents understand the digital yuan. Among them, 13.1% said they know the concept, situation and usage of the digital yuan, and have never heard of the yuan. As for higher education, higher education of investigators, the better understanding of the digital yuan. The percentage of respondents “with a bachelor's degree, general or advanced knowledge of digital RMB” is 66.2%, and the percentage of respondents with a higher or higher bachelor's degree is 80.0%.

数字人民币试点一周年,上海闵行居民怎么看?

Figure 1 Public Understanding of the Digital Yuan

Digital Yuan To taub ChannelCurrently, 61.1% of respondents say they know about the Shanghai Korean Digital Yuan pilot project. The main channels for understanding the digital yuan are "TV, newspapers, online media, etc." at 71.0%, and “banking support” and “family and friends” at 19.7%. 9.3% each.

数字人民币试点一周年,上海闵行居民怎么看?

Figure 2 Public Understanding of the Digital Yuan

2. More than 50% of residents do not know that the digital renminbi has a "double offline payment" feature, and more than 70% said that the renminbi is the difference between payment method and virtual currency .Knowledge of the digital yuanAccording to the survey, 43.7% of respondents knew that the digital renminbi has "double offline payment" functionality (both sides of the exchange can pay without a network), while 56.3% said not knowing. "Do you think there is a difference between digital yuan, WeChat payment and Alipay?" 70% of respondents answered that "there is a significant difference, digital yuan is money, WeChat is paid, Alipay is a wallet" (73.4%), and 26.6% answered that they are uneducated. When asked if they thought there was a difference between the digital yuan and Bitcoin and Dogecoin, 70% of respondents said, “There is a significant difference. The yuan is a good currency, and Bitcoin is a virtual currency” (73.0%). 27.0% said they did not understand.

数字人民币试点一周年,上海闵行居民怎么看?

Figure 3 People in understanding digital RMB's "double offline payment" function

The reason for digital advertising in yuanWhen asked "Why do you think our country needs digital yuan?" (multiple choice), 51.6% of respondents said, "We are reducing cash flow, which affects the growth of the economy" and 50.4% said, "It has improved". Responnse. Ease and convenience of business marketing". In terms of transparency, 50.0% answered "reduce the cost of advertising and distributing traditional banknotes" and 4.8% answered that "help achieve full financial calculations".

数字人民币试点一周年,上海闵行居民怎么看?

Figure 4: Why members of the public use the digital renminbi (multiple choice)

3. Nearly 50% of residents are willing to use digital RMB, and more than 30% are concerned about security and convenience.The goal is to use the digital yuanNearly half of respondents have a positive attitude towards promoting the digital yuan, but are more cautious about the real exchange rate. 48.0% of respondents were satisfied with the numerical results, 47.2% were uncertain and had an obsessive attitude, and 4.8% refused. Regarding the exchange rate for numerical results, 70% of respondents answered that it was less than 30%, of which 41.3% answered 'less than 10%, 29.7% answered '11 -30%, and 20.2% answered '31%.' . choice. -50% "", only 8.8% select more than 50%.

数字人民币试点一周年,上海闵行居民怎么看?

Figure 5 Majority of the general public is willing to convert to digital RMB

Concerns about the digital yuanWhen asked what their biggest concern about the digital yuan is, 39.7% of respondents said "fear of account attacks, theft and surveillance", 35.3% "is not not easy". to respond. that the price is volatile and unstable, and 15.9% answered that it is difficult for some teams because it requires working on a smartphone. In terms of age, younger investigators are more concerned about the ease of using the digital renminbi, and older investigators are more concerned about the security of the renminbi and the relevance of certain categories. 51.4% of teenagers (21-30 years old) worry that "convenience is not the same as WeChat / Alipay". 54.8% and 41.7% of “51-60” and “61+” respondents were concerned about “fear of account takeover, theft, and censorship,” respectively. 25.0% of people over "over 61" are concerned that "the functionality of a smartphone is necessary, but difficult to use in some groups".

数字人民币试点一周年,上海闵行居民怎么看?

Figure 6 Why people of different ages are concerned about the digital renminbi

4. Over 60% of residents believe that the digital renminbi will continuously improve and gradually become aware of the changing nature of our national currency.According to the survey, when asked, "What do you think is the vision for the development of the digital yuan in Korea?" 80% of respondents answered: “A stable and sustainable development. The exchange rate of the Korean dollar has been achieved slowly”. (60.7%), ''Exchange and export to market' (19.4%), 'No matter if the growth situation remains uncertain' 14.7%, and 'It is slow due to a major overdose' was only 5.2%. .

数字人民币试点一周年,上海闵行居民怎么看?

Figure 7 Citizens of Minhang believe in a vision for the development of the renminbi.

5. Respondents believe that the digital renminbi will not have comprehensive enforcement, and encourage the timely improvement of laws and regulations to protect the rights and interests of users.Obstacles to supporting the digital yuanAccording to the survey, regarding the significant issues that RMB will face in its implementation and support process (multiple choice), 57.5% of respondents believe that "there is no success. application" and 40.9%" had clear financial support. "No", 36.5% answered that "there are no laws and procedures", and 31.0% answered that "we are faced with the imminent exit of another payment institution".

数字人民币试点一周年,上海闵行居民怎么看?

Figure 8 Minhang residents believe there is an impact on the use of the digital renminbi.

Digital Yuan InformationFor the operation of the digital yuan, 77.0% of residents agreed that the main task is "timely improvement of laws and regulations to protect the rights and interests of users", and 50.0% asked for "a building support". of the digital renminbi". . The central bank's digital currency infrastructure "is 36.1%", strengthens the legal publication of digital currencies "35.3% and "improves technology standards" 35.3%.

数字人民币试点一周年,上海闵行居民怎么看?

Figure 9 Minhang Residents' Agreement to Use Digital Renminbi

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