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The digital RMB cross-border payment test has been continuously promoted, and mainland residents can also shop in Hong Kong in the future

2022-01-15 02:11:58 CECBC

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It has been more than a year since the first public test of digital RMB came into the public view , During this period, in addition to accelerating the pilot in many places in China , The testing of digital RMB cross-border payment has also been promoted . Central bank digital currency Research Institute ( Hereinafter referred to as “ Digital Research Institute ”) Director Mu Changchun recently “ Seminar on the status and prospects of Hong Kong as an international financial center ” In the said , The digital Institute is working with the Hong Kong Monetary Authority to explore the feasibility of the central bank's digital currency in improving cross-border payments , At present, the second stage of research is under way , In the future, mainland tourists will use digital RMB to shop in Hong Kong , The currency exchange will be done between two wallets .

Mu Changchun revealed , The Institute and the HKMA have successfully carried out the first phase of technical testing , Within the scope of local banks and designated Hong Kong merchants , Recharge through digital RMB wallet 、 Basic functions of transfer and consumption .

At present, the two sides are carrying out the second stage of research , Explore the digital RMB system and “ Fast revolution ” Interconnection mode of rapid payment system , Further improve payment efficiency on the basis of respecting the usage habits of Hong Kong local residents . among , Technical testing will be carried out in full compliance with cross-border standards 、 compliance 、 Under the premise of three principles of interoperability .

“ For example , In the future, mainland tourists will use digital RMB to shop in Hong Kong , The currency exchange will be done between two wallets , Local merchants will collect in Hong Kong dollars , Therefore, there will be no currency substitution . When the epidemic is over , When people can travel freely between the mainland and Hong Kong , Digital RMB wallet will greatly improve the facilitation level of cross-border payment between the two places .” Mu Changchun said .

Another project of bilateral cooperation is the digital currency bridge of multilateral central banks . Disclosure of information , The project was launched this year 2 Launched in .11 month 3 Japan , Project use case manual release , The test progress and international trade settlement are disclosed 、 Cross-border electricity 、 Supply chain finance, etc 15 Potential application scenarios .

according to the understanding of , At present, the project has preliminarily completed the construction of the currency bridge test platform , It also tests the feasibility of cross-border payment transactions under the scenario of international trade settlement . Mu Changchun said , In the future, the currency bridge project will expand a wider range of application scenarios in combination with new business use cases , At the same time, explore flexible docking with more systems .

There is potential demand for cross-border use of digital RMB . According to the Financial Society of Shenzhen Special Economic Zone, this year 8 Released on 《 Questionnaire survey report on the demand of Shenzhen Hong Kong financial cooperation market (2021)》, More than 50% of Shenzhen Guangdong individual respondents believe that digital RMB will become a new and safe payment method in the future , Can improve trading 、 Efficiency and security of transfer .

at present , Digital RMB is in Shenzhen 、 Suzhou 、 Xiongan 、 Chengdu 、 Shanghai 、 hainan 、 Changsha 、 Xi'an 、 Qingdao 、 Dalian and Beijing Winter Olympics “10+1” Pilot projects were conducted in four regions and scenarios . By 10 month 22 Japan , Digital RMB personal wallet has been opened 1.4 One hundred million , Corporate wallets 1000 m , The cumulative number of transactions reached 1.5 Billion pen , The transaction volume is close to 620 One hundred million yuan . Yes 155 Million merchants support digital RMB wallet , Covering public utilities 、 Food and Beverages 、 Transportation 、 Shopping and government affairs .

The policy also catalyzes the promotion and acceleration of digital RMB . for example 11 month 26 Issued by the State Council on 《 Opinions on supporting the high-quality development of Beijing Urban Sub Center 》, It is proposed to accelerate the pilot of legal digital currency , Support large banks to establish digital RMB operating entities according to law , Support eligible banks to participate in the pilot of direct banking .

source : The Beijing news

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