Digital RMB "Shenzhen Sample": Over 300,000 customers have been acquired, and the digital benefit ecosystem has begun to grow.

Shenzhen was the first city to try out the digital renminbi's red envelope, and it was also the first city to introduce the digital renminbi to the public eye. For more than a year, all the main departments and companies involved in Shenzhen have been operating continuously, and through the deepening of the reader, the RMB digital ecosystem with two forms of application scenarios and user groups has been originally developed, and a dedicated digital RMB driver. has been created. "Shenzhen sample".

According to the data, by the end of 2021, Shenzhen will have more than 300,000 digital yuan customers, initially covering various areas such as life, groceries, food, transportation, education and health, life skills, government assistance. By brand franchisee, life services accounted for the largest share at 37.3%, followed by sales, food and transportation.

"Digital Currency Red Envelope" Creative Pioneer

Since the creation of the pilot, the coverage of digital RMB has been continuously expanding, and the landing situation has slowly passed. In the first half of 2020, by accident, the digital image of the digital RMB application was attempted to spread to the Internet. Back then, investors were already predicting what the digital renminbi of the future would look like. Digital Lab staff provided a brief description of the digital renminbi a few times, but only after Shenzhen began testing the digital red renminbi envelope for the first time, which people believed had a positive effect on the currency. digital renminbi experience.

The first digital renminbi pilot was unveiled in Luohu, Shenzhen, in October 2020, with the announcement of the "transfer lottery" of 50,000 digital renminbi red envelopes.

At the same time, combined with the policy of promoting nutrition while preventing the spread of disease and maintaining a normal working environment, the Shenzhen Health Bureau and the People's Financial Institution of China announced the first system indoor digital RMB external control panel - "Living Luohu Digital RMB Red Packet". 50,000 red packets, every 200 yuan will benefit the public through the "lottery lottery". This is the first time the digital yuan has entered the public eye.

Since then, the "red envelope model" has become the standard that supports "how-to" RMB drivers in many places. The first public trial of the digital renminbi in Suzhou, Beijing, Shanghai and other places was led by "red envelopes", lottery tickets and more. Even today, many "red envelopes" are used for digital support through various banking and event systems. RMB. An important document.

The lesser-known fact is that Shenzhen spent nearly a year preparing its first red envelope.

Since the end of 2019, experimental facilities such as Shenzhen Agricultural and Industrial Co., Ltd. Agricultural Company, China Shenzhen Agricultural Industry Co., Ltd., China Agricultural Industry Co., Ltd., The Company Limited, Shenzhen Financial Corporation, and Shenzhen Telecom Bank will be operated. Branches and other driving agencies will launch an internal shutdown test to measure the digital yuan's reliability, security, availability, ease of use, usability and risk control. The efficiency of this process played an important role in ensuring the digital renminbi operated efficiently during testing.

After completing the first promotion of digital RMB red envelopes, Shenzhen is still developing a new prototype, and has completed "Futian Gifted Digital RMB Red Envelopes", "Longhua Digital RMB Spring Festival Red Envelopes" and "Luohu". Big games, such as “The Digital World RMB Spring”, activities and team participation in the big event.

Focus on small and high frequency scaling scenarios

The ride in Shenzhen usually focuses on the small details of big events.

It is reported that Shenzhen has begun to realize the application of digital renminbi in city buses and subways. At the same time, digital RMB has also been widely used in supermarkets, convenience stores, bookstores, hospitals, fast goods, payment equipment, non-consumer goods, users and other events. The nature of the application is based on a variety of hobbies, gradually creating a stable and stable environment, while meeting people's high financial needs.

In response to the needs of local retailers, the Shenzhen Driver Bureau also focuses on emergency applications close to human lifestyle. For example, the "brightest" digital renminbi scene - the display shop, the "no payment network" digital renminbi scene - the payment group; At the same time, the status of digital renminbi and commemorative coin exchange has been established.

The Shenzhen Pilot Association has also started work on 264 pilots working in various fields, and it is known that many organizations still have cost cuts.

For example, "Shenzhen Subway Discount Line", "1 Cent Ride", "1 Cent Ride", "Digital Yuan Preferential Refueling" of China Construction Bank, Bank of China, Agricultural Bank of China and Industrial and Commercial. Bank of China Longhua', Postal Savings, "Digital Yuan Low Carbon Cycling Season" by China Agricultural and Investment Bank of China, "Hui Culture Huishen Huo Digital Yuan Cultural Rebate Gift Certificate" by CCB," Penny for Retail", etc.

Some in the industry believe that the pursuit of specialist care has led to greater public engagement and greater appreciation for the socialization and acceptance of the digital yuan. Shenzhen continues to improve the adoption of the digital yuan environment and has begun to develop a digital yuan ecosystem that includes both demand and consumer groups.

Improve the benefits of the application of digital R&D and ecological development

In addition to the continuous expansion of small-scale and high-level events, Shenzhen has developed a pilot project to improve the R&D, application and ecological development of the digital renminbi. .

According to the report, Shenzhen has selected some colleges, research and technology parks and other closed areas as the whole business process to replace the equipment uses and promote the recognition of traders who use digital renminbi trading. It is the first to develop the Shenzhen renminbi digital ecosystem in terms of technology, function, process, policy, etc., and has carried out extensive and meaningful research on the pilot working in the next phase.

In terms of new feature scenarios, Shenzhen is focusing on market pain and trouble, making full use of the smart advantages of digital RMB, exploring the driving force of smart language in many places, and promoting business model innovation.

For example, many enterprises in the Shenzhen area have developed new operations using the digital renminbi to advertise special bonuses, further knowledge of the expansion of the application scenario of the digital renminbi through G2C to G2B. By the end of 2021, major enterprises in Shenzhen declared a total of RMB 616 million for 2,422 small and medium-sized enterprises (SMEs) based on digital yuan specialization.

Some banking companies have pointed out that the most difficult part of special payments for small and medium-sized businesses is spending money for a specific purpose. In the past, some small and medium-sized businesses could receive income and then transfer the money for other purposes, such as buying a house for special purposes. Smart contracts, traceability and other features of the digital renminbi can make it easier for companies to use special funds.

In addition, Shenzhen uses renminbi smart smart contracts to recognize management's smart capital management in loan management, and improve the efficiency of customer transactions settled in smart support. peasants and poverty. At the same time, the use of the digital yuan has advanced in areas such as advance payment administration, payment, taxation and non-taxation.

In the next step, it was announced that Shenzhen will continue to improve the construction of the digital renminbi ecosystem in its policy and continue to improve the recognition of the digital renminbi environment.