Recently, the long-standing digital RMB began to pilot in Shenzhen, causing more widespread concern, especially for many people. Digital RMB has come. Is WeChat necessary and Alipay necessary?
In this regard, Mu Changchun, director of the digital currency Research Institute of the central bank, made the latest statement,The digital Renminbi and WeChat and Alipay are not in the same dimension. WeChat and Alipay are the financial infrastructure, the purse, and the digital renminbi is the payment tool, the content of the wallet.
In the electronic payment scenario, WeChat and Alipay carry money in the commercial bank deposit.
After the issuance of the digital renminbi, you can still pay with WeChat Alipay, but the contents of the purse increase the central bank's currency.
At the same time, Tencent, ant's respective commercial banks also belong to the operating agencies, so with digital RMBThere is no competition.
Mu Changchun also stressed that digital RMB is legal tender, which is equivalent to paper money and coins. Digital RMB can be bought for anything that can be bought by paper money and coins. Paper money can be exchanged for things and foreign exchange. Of course, digital RMB can also be used. We need not worry.
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