“數字人民幣”來了 它到底哪好？
“數字人民幣”來了它到底哪好？
RMB goes digital. Why is it good news?
“數字人民幣”，簡單來説，是中國法定貨幣人民幣的數字化形式。
"Digital RMB", in short, is the digital form of China's legal currency RMB.
2014年，中國央行啟動法定數字貨幣研發，進行了多年的試點推進。現在，數字人民幣已經被寫入十四五規劃。現金和數字人民幣在未來將並存。
In 2014, the People's Bank of China started research into the development of legal digital currency. The digital RMB has now been written into the 14th Five Year Plan. Cash and digital RMB will coexist in the future.
數字人民幣目前擁有軟體錢包和硬體錢包兩種形態。軟體錢包是以手機APP的形式存在，硬體錢包則是基於“晶片”形式存在的實物錢包。
At present, digital RMB has two forms: online wallet and hardware wallet. Online wallet is in the form of a mobile app while hardware wallet is in the form of a "chip".
下面讓我們來看看數字人民幣具有哪些優勢？
So what are the advantages of digital RMB?
首先，與傳統第三方支付平臺相比，在交易活動中，只存在付款方和收款方，不存在第三方仲介平臺。其次，通過數字人民幣進行交易無需網路支援。第三，將數字人民幣“提現”無需服務費。另外，商家對是否使用第三方支付平臺具有選擇權，而作為法定貨幣，數字人民幣在全面推廣後，商家不能拒收。尤其是在人們最關心的隱私問題上，使用數字人民幣交易，任何商家和平臺都無權獲取消費者個人資訊和支付數據。
Firstly, compared with the traditional third-party payment platforms, the digital RMB eliminates the third-party intermediary. There are only payers and payees involved in the transaction. Secondly, transactions through digital RMB can be made off-line. Thirdly, there is no service charge for the "withdrawal" of digital RMB. In addition, businesses have the right to choose whether to use the third-party payment platform. As a legal currency, once full awareness of digital RMB is achieved, businesses cannot refuse to accept it. And in a world where data and privacy concerns have taken centre stage,digital RMB transactions will ensure that no business or platform can obtain consumer’s personal information and payment data.
數字人民幣相當於“電子錢”，還具備一些“先天”優勢。比如，數字人民幣不需要印鈔紙、油墨、印鈔機，也能免去回收磨損老化紙幣的高額成本，因此發行成本更低。並且每一“張”數字人民幣的流通都有數據記錄，對於打擊洗錢、逃稅等違法犯罪有很大幫助。未來，數字人民幣在國際交易的結算和清算領域將扮演重要角色，有利於人民幣走向世界。
Digital RMB is equivalent to "digital money" and has some "in-built" advantages. For example, digital RMB does not need banknote printing paper, ink, banknote printing machine, it can also avoid the high cost of recycling worn-out banknotes, so the issue cost is also lower. Every "piece" of digital RMB in circulation will leave a data footprint, which would be helpful in cracking down on money laundering, tax evasion and other crimes. In the future, digital RMB is expected to play an important role in the settlement of international transactions.
目前，中國部分大型銀行已經開始推出數字人民幣貨幣錢包，多地也向普通民眾開始了推廣工作，看來“數字人民幣時代”距離我們真的不遠了！
At present, some large banks in China have begun to launch digital RMB currency wallets, and many places have begun to promote them to the public. A cashless future awaits.
