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Five conjectures about the application of digital RMB, which one do you care most about？

　　Zhongxin Jingwei Client August 20th (Wei Wei) Imagine this scenario. Each of us has a digital currency wallet on his mobile phone. Even if the mobile phone is disconnected, you can transfer your digital currency to another person by touching two mobile phones. This scene may be getting closer and closer to us.

　　In fact, the People’s Bank of China set up a special research group to study the statutory digital currency as early as 2014, and it has been six years since then. Recently, the Ministry of Commerce issued a document saying that a pilot project of digital RMB will be launched, which also rekindled the reverie of digital currency.

　　What is digital RMB?

　　Digital currency, the central bank, is not complicated in concept. Dong Ximiao, chief researcher of Xinwang Bank, told Zhongxin Jingwei client that digital currency refers to the digital currency issued by the central bank in parallel with cash, which is the digital form of legal tender. Digital currency (DC/EP), China’s central bank, is simply an electronic version of RMB, which is digital RMB cash.

　　Insiders revealed that in recent days, the four major banks of workers, peasants and China Construction Co., Ltd. simultaneously tested the "digital RMB" e-wallet. Considering the system load and other reasons, it is still in the internal testing stage.

Agricultural Bank of China Digital RMB Wallet Source: Zhongxin Jingwei Wei Wei Photo

　　On April 17th this year, the digital currency Research Institute of the Central Bank said that the digital RMB would be tested in Shenzhen, Suzhou, Xiong ‘an, Chengdu and the future Winter Olympics in order to continuously optimize and improve its functions.

　　In July, Didi Chuxing said that it had reached a strategic cooperation with the digital currency Research Institute of the Central Bank to jointly study and explore the scene innovation and application of digital RMB in the field of smart travel. On August 17th, the Zhongxin Jingwei client asked Didi Chuxing about the exploration of scene application, and its reply said that there was no news to disclose for the time being, and further news would be released.

　　On August 14th, the Ministry of Commerce issued the "Notice on Printing and Distributing the Overall Plan for Comprehensively Deepening the Innovation and Development of Service Trade", which announced the pilot areas of digital RMB, and some people understood it as the pilot of digital RMB may be expanded. However, in fact, the current pilot scope of digital RMB is still Shenzhen, Chengdu, Suzhou, xiong’an new area and the future Winter Olympics, and it has not changed.

　　However, the news came out that the digital currency plate in the capital market is still sought after by investors. According to Wind data, the digital currency index rose by 2.81% on August 14th, rose by 3.35% again on August 17th, and continued to rise by 1.07% on August 18th, which has been rising for three consecutive days, which shows that the market is enthusiastic about digital currency concept.

　　How to apply five conjectures in the future

　　The application of digital RMB has also caused many conjectures. Where can I exchange it? How to apply it in the future? The Zhongxin Jingwei client interviewed a number of insiders to answer questions.

　　Conjecture 1: Is the carrier an APP?

　　Usually, residents can exchange paper money in commercial banks, so where can they exchange digital RMB?

　　According to the internal measurement maps of ICBC, China Construction Bank, Agricultural Bank and China Bank’s digital currency wallets circulated on the Internet earlier, the four major banks are all testing the application of digital wallets.

　　"digital currency is still in the testing stage. What is certain is that digital currency does not launch an APP. Maybe each bank will launch a separate APP, or it will be integrated into the apps of various cooperative banks." Bi Tong, co-founder of financial technology consulting firm PANONY, told Zhongxin Jingwei client.

　　"Launching an APP separately has higher user education costs and usage costs, and pilot commercial banks may embed services in existing apps." Yang Wang, Dean of Hande Institute of Financial Technology and Senior Research Fellow of China Renmin University, told Zhongxin Jingwei client.

　　Guess 2: Do I need to go to the bank to exchange money? Can I redeem it in the APP?

　　From the functional point of view, the functions of digital RMB wallets in various banks are basically the same. For example, China Construction Bank includes "Sweep", "Collection", "Payment Code" and "Transfer", and users can exchange money into digital RMB through bank accounts. Bank of China includes "recharge", "withdrawal", "transfer" and "bank card". The page of Agricultural Bank includes "scan code payment", "remittance", "receipt and payment" and "touch".

　　"From the circulated internal test pictures, the main functions displayed are basically similar to the daily functions of bank electronic accounts." Dong Ximiao said.

　　In Yang Wang’s vision, it takes three steps to use digital RMB. The first step is to download a corresponding mobile APP；; The second step is to register, enter personal name, ID number, mobile phone number and other information, and the relevant personal credit inquiry authorization will be displayed on the APP, which requires the user to choose to agree or reject; The third step is to bind the bank account, and then the user can exchange the bank deposit for digital RMB 1:1.

　　Ceng Gang, deputy director of the National Finance and Development Laboratory, predicts that there will be two accounts in the future, one is a digital RMB account, and the other is an account derived from the deposit in a bank account, and the two are in a mutual conversion relationship. Depositors can pay directly from the digital wallet, but it may involve transferring money from the bank account to the digital RMB account before making payment.

　　In terms of experience, Yang Wang believes that the digital RMB wallet is similar to the third-party payment with high public acceptance, and can also support QR code payment, fingerprint payment and face payment. However, the above payment methods may not be all online at once. Considering technical problems, QR code payment may be online first, and then other payment methods will be online gradually.

　　Guess 3: Can two mobile phones "touch" money to transfer money successfully?

　　"As long as you and I have a DC/EP digital wallet on our mobile phones, we don’t even need a network. As long as the mobile phones have electricity and two mobile phones touch each other, we can transfer digital currency in one person’s digital wallet to another person," Mu Changchun, director of the digital currency Institute of China People’s Bank, once said in an online open class.

　　Yang Wang said that a major feature of digital currency, the central bank, is dual offline payment, that is, mutual transfer can be realized without network signals.

　　"Of course, it’s not that the money is transferred when touched," Yang Wang explained. This function is similar to confidential payment. Users need to sign an agreement with the bank before they can use this function. Every time they enter the transfer scene, there will be a button to confirm the payment, and they can only transfer the money after clicking agree. At the same time, this function may stipulate an upper limit, and once a certain threshold is triggered, they will not be able to transfer money, so as to ensure the security of the user account.

　　In terms of security, Bi Tongtong said that some insiders also pointed out that the patents disclosed at present have not explained how to solve the "double flower problem" in the case of double offline (note: a sum of money is spent twice), which requires more technical patent disclosure. However, this problem can also be prevented by legal means, and the payment can be made after it happens.

　　Guess 4: Which scenarios can be paid in digital RMB?

　　Users are more concerned about the scenarios in which they can use digital RMB. Yang Wang introduced that in addition to recharging and withdrawing cash, digital RMB can also be used for transfer between users and consumption.

　　According to Yang Wang, the application scenarios currently supported in the pilot stage include retail, catering, transportation card recharge, etc. With the maturity of pilot applications in the future, the application scenarios will be expanded in a wider scope.

　　Recently, the media reported that Julu County, Hebei Province has applied to digital currency, the central bank, for subsidies such as environmental protection. The relevant person in charge of Lezhi Technology Co., Ltd. introduced that the company jointly developed the "Falling in Love with Julu County, Hebei Province" APP, and the poverty alleviation subsidies of local residents in the future will be distributed in the form of digital RMB, and residents can realize fund withdrawal, transfer and consumption in the APP wallet, such as paying party fees, buying train tickets, charging telephone bills and other convenient services can be settled in digital RMB.

　　The company is also cooperating with commercial banks. In the future, residents can pay the digital RMB to the bank and convert it into an equal amount of RMB cash, which can be converted into electronic accounts of commercial banks or converted into paper RMB at bank outlets. It is understood that the APP will be launched in the near future, but the digital RMB function will not be open for the time being, and will be launched separately after subsequent debugging.

　　Guess 5: Will Alipay and WeChat transfer money to each other in the future?

　　At present, for most residents, they are used to using third-party payment such as Alipay and WeChat. Will digital RMB shake the status of third-party payment in the future?

　　Bi Tongtong believes that the biggest difference between the central bank’s digital RMB and Alipay and WeChat payment lies in the difference in legal rights. The central bank’s digital currency is endorsed by the state, which is equivalent to legal tender. However, the assets of ordinary people in third-party payment are actually a bookkeeping, which is based on commercial bank settlement. Whether digital currency, the central bank, will attack the market position of WeChat and Alipay is a process determined by the market, which depends on the convenience of use, commercial value and economic scale.

　　With the introduction of digital RMB, can mutual transfer between Alipay and WeChat be realized in the future? Yang Wang believes that this matter mainly considers two aspects: willingness and ability. Digital RMB is the legal digital currency issued by the People’s Bank of China based on national credit, which means that any transaction scenario must be unconditionally accepted, and the transfer function should be supported between commercial banks and third-party payment. In terms of willingness, the problem of digital RMB transfer between commercial banks is not big, but there are business barriers in third-party payment. Different platforms may be protecting their own business ecology and will not realize mutual transfer for the time being, nor does it rule out that this function will be realized in the future. (Zhongxin Jingwei APP)

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Source, quality control, and cold chain transportation, more and more imported fruits have achieved ＂localization＂ and domestic fruits have been upgraded： from high-end to ＂people-friendly＂

　　Reading tips

　　In recent years, with the continuous expansion of domestic planting scale, domestic fruits have been upgraded and their quality is getting better and better. With the upgrading of consumption, the pattern of production and sales is also quietly changing. Consumers bought domestic imported fruits with good quality and low price, and also intuitively experienced the improvement of the quality of domestic fruits.

　　In supermarkets and farmers’ markets in major cities in China, products originally belonging to imported fruit areas, such as Sunshine Rose Green Extract, Soft Seed Pomegranate, Autumn Pear and Wild Persimmon, have now appeared in domestic fruit areas.

　　"It used to cost more than 100 yuan to buy a string of sunshine roses. Now, in the chain fruit shop at my door, the B-grade sunshine roses are only 29.9 yuan per kilogram." Ma Chunying, a resident of Ganhe Home in Urumqi, Xinjiang, said.

　　In recent years, with the continuous expansion of domestic planting scale, more and more imported fruits have been "localized". According to the data of Tianyancha, there are currently over 6 million fruit-related enterprises in China. With the consumption upgrading, the production and sales pattern of domestic fruits is also quietly changing.

　　The source of fruit tends to be domestic.

　　In the modern agricultural science and technology industrial park in Shaya County, Xinjiang, the huge cherries ushered in the first batch of ripe fruits this year in May. With a bite, the flesh was full, the stone was small, and the juice was moderately sweet and sour, which was booked by many tourists. Looking at the clusters of red and full fruits hanging on the trees, some tourists can’t help feeling: "We have also realized the freedom of fresh cherries."

　　Looking back on the fruit market in the past 10 years, at the beginning, people’s demand for high-quality fruits such as cherries was mainly met by imports. "Chilean cherries, Japanese sunshine roses, Thai golden pillow durian, etc., in the early days when imported fruits entered the market, we rarely purchased them, fearing that they could not be sold." Looking at the dazzling array of fruits in front of me, Xu Weiwei, the wholesale market owner of the New Beiyuan Spring Agricultural Products Center in Urumqi, said. In 2019, following his father’s footsteps, he placed his No.2 fruit shop in the "New North Garden Spring" market, and the Xu family witnessed the changes in fruit consumption for two generations.

　　From high-quality fruits in season to out-of-season fruits, more and more imported fruits have flooded into China market, filling the gap of high-end products in China fruit market. While imported fruits occupy the market in China, they also quietly affect the fruit industry in China.

　　In order to ensure the freshness of fruits, imported fruits are often picked under immature conditions. After a long transportation, the taste and quality are greatly reduced. How to overcome this shortcoming? China counterparts turned the origin of fruit to China.

　　"In the past, citrus in Australia occupied the market. After 2010, the market purchased more citrus from Sichuan, Yunnan, Guangxi and other places in China, which was delicious and cheap." Xu Weiwei said.

　　Not only citrus, but more than 80% of pitaya came from Vietnam when it first entered the China market. After the successful cultivation and promotion of pitaya in China, it replaced 60% of Vietnam’s imports.

　　Nowadays, pitaya has not only taken root in the south of China, but also been introduced to the western part of the motherland. "Most of the pitaya on the market are shipped from the south, and now we can also eat the local red pitaya." Jin Hongjun, a dragon fruit grower in the 11th regiment of the 1st Division of Xinjiang Production and Construction Corps, said.

　　Grow high-quality fruits

　　Imported fruits take root in China and bring economic benefits to local growers. However, the good times did not last long, and the traditional concept of "selling by heaps" made farmers only pay attention to output, but ignored quality. Therefore, when it comes to high-quality fruits, consumers still prefer "import".

　　"There are more than ten yuan of cherries and imported cherries (that is, cherries) from outside vendors. No matter the size or color, you can see the difference at a glance, let alone the taste." Xu Weiwei said.

　　Consumers’ demand for quality makes farmers pay more attention to the grading pricing of fruits. However, the transformation of planting concept, input cost and technology can not be separated from the support of science and technology.

　　The first time I tasted the "dinosaur egg" was in Cao Xiaofei’s forest fruit nursery. At that time, he was conducting investigation and research with the forest fruit seedling experts hired. Cao Xiaofei is the head of Xinjiang Aksu Desert True Fruit Industry Co., Ltd., which is mainly engaged in the seedling cultivation of Xinjiang characteristic forest fruit seedlings.

　　According to him, "dinosaur egg" is an imported American fruit plum, which is very crisp in taste and can be stored for a long time. "In recent years, ‘ Dinosaur egg ’ Our seedlings sell well. "

　　In 2010, Xinjiang Academy of Forestry introduced a number of apricot and plum varieties for trial planting in Aksu, among which the successfully planted varieties were "dinosaur egg", thick flavor, delicious emperor and delicious queen.

　　In 2018, in Suzhong Farm, Qiemo County, Xinjiang, Liu Huashan, the person in charge, moved the experimental field to the field. In his view, the southern part of Xinjiang has a large temperature difference, long sunshine time and little rain, and planting American apricot and plum trees has unique advantages. In order to grow high-quality apricots and plums, he started with agricultural materials and seedlings according to the market acquisition standards, realized unified standard procurement, improved the local saline-alkali soil and tested it regularly, and formulated a set of standardized operation procedures.

　　"Our positioning is high-end fruit. The initial investment in standardized orchards is relatively high. If the fruits planted do not meet the market standards, there will be little benefit in bearing more fruits." Liu Huashan said.

　　In Shaanxi, Fujian, Shandong, Yunnan and other places where "imported fruits" were planted earlier than Xinjiang, the efforts of new farmers are not only manifested in planting techniques and refined orchard management, but also like product managers to inspect the market, analyze advantages and disadvantages, and analyze competitors, so as to adjust planting varieties. Yan Hu, president of Yunnan Binchuan Farmers’ Pomegranate Research Association, expects that the new pomegranate varieties "Angel Red" and "Huaguang" with China’s own intellectual property rights will replace the soft-seeded pomegranate market in Tunisia in the future.

　　Cold chain technology allows fruits to shuttle north and south.

　　In August this year, a train loaded with 32 cold chain containers and 640 tons of Xinjiang Jiashi Ximei departed from Kashgar Station, arrived at Shaanxi Weicheng Station in three days, and was sold all over the country after transit.

　　The person in charge of China Railway Urumqi Bureau Group Co., Ltd. told the Workers Daily that the transportation of Ximei is a technologically advanced railway cold chain logistics vehicle. The box is powered on 24 hours a day, and the whole operation process is monitored remotely. The data indicators in the box are updated every 5 minutes. The mobile intelligent cold storage can guarantee the freshness of Ximei to the maximum extent.

　　As a typical "imported fruit", prunes introduced from France have taken root in the northwest of China. Jiashi County, Xinjiang, occupies 40% of the country’s prune planting area and 60% of the country’s output, and has become the largest production, processing and export base of high-quality prunes in China.

　　As early as 2020, China’s Ministry of Agriculture and Rural Affairs launched the construction project of cold storage and preservation facilities for agricultural products producing areas, speeding up the completion of the shortcomings of the "last mile" cold chain logistics facilities in producing areas, and minimizing the post-harvest losses of fruits.

　　Nowadays, domestic "imported fruit" has formed a new circulation path while moving towards people’s dining tables, subverting the traditional fruit industry.

　　From the source, quality control to cold chain transportation, qualified fruits enter the retail channel according to different grades. For consumers, they can not only buy domestic imported fruits with good quality and low price, but also greatly reduce the probability of buying "rotten fruits" and "inferior products", and intuitively experience the improvement of domestic fruit quality.

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Fashionistas must watch, and young women’s wearing skills and fashion elements become ＂fashionable essence＂

Below, let’s reveal the dressing skills and trend elements of young women, so that you can become a fashionista and shine with youth and vitality. Whether you like sports style or literary atmosphere, here are some inspiration and matching suggestions for you. Follow our steps, break away from the ordinary and become the brightest focus.

The trend of fashion changes like the change of four seasons, and each season will have different popular elements. Young women might as well pay more attention to the clothes of some fashion bloggers and stars, and get inspiration from them.

A simple blue-and-white casual style can make you feel energetic and confident in this spring, and a fresh and pink printed dress can also make people feel better instantly.

In this spring’s fashion trend, lace, bubble sleeves, strapless and other elements have attracted much attention. You can try to add these elements to your own clothes to show a unique fashion attitude.

The bubble sleeve shirt in the same color style above uses a square neckline, which can well reveal the clavicle line and is very temperament.

I suggest that when you choose the bottoms, you should emphasize the position of the waistline as much as possible, and it is a good choice to wear short skirts or high-waisted pants.

For young women who want to become fashion icon, basic items are indispensable. White T-shirts, jeans, black high heels, etc. are all essential items to build a basic wear.

The floral dress with a pure white suit is simple and fresh, and it is also suitable for workplace modeling. Another set of shirts is matched with the shape of cowboy overskirt, which is formal, capable and slim.

Basic items are not only classic and versatile, but also can be used as the basis for creating trends and showing personal style through different collocation methods.

Overskirt, with a tall waist and a straight tube, is too friendly for a small girl with a thin figure. She suddenly raises her waistline and looks invincible in proportion.

The top is short and the bottom is long, so it’s easy to wear. Whether it’s a denim jacket or a sleeveless sweater with a high waist and a long overskirt, it’s as refreshing and elegant.

In wearing, sometimes too many elements will make the whole collocation look chaotic. Therefore, less is more, and simple wearing is also a very fashionable choice.

For example, wear a plain coat with a pair of pants or skirts with a sense of design, and use the sense of design and lines of the single product itself to create a layered and tasteful collocation.

When wearing a loose collocation, try not to wear exaggerated accessories, so that it will look messy, and the casual low-ball hairstyle will look simple and gentle.

The combination of the upper width and the lower width is easy to appear fat visually, so the neckline design is still the key. Using the small V-neck design, it has the function of showing a small face without showing hypertrophy.

In the season near summer, it is very comfortable to wear such a loose dress, and shopping is a good choice.

In wearing, feminine elements are very attractive, such as lace, satin, bow and so on. These elements can show the femininity and charm of women without losing the sense of fashion.

This brown vintage printed shirt, satin fabric is very textured, revealing a delicate and noble temperament, using a thin belt to slim down, refreshing and capable.

Taro purple is a color that can highlight women’s charm. This taro purple knitted vest has a good texture, and it is gentle and fresh with a high waist overskirt.

When matching, try to add some feminine elements to your own clothes to make the whole match more charming and full of vitality.

Light pink silk scarves and fungus lace shirts can bring a touch of femininity to the simple and casual style. This short vest with the shape of high waist overskirt is formal, capable and elegant.

Need to be reminded that when you choose a little feminine dress, try to avoid tacky and old-fashioned collocation, otherwise it will only be boring.

Conclusion: This time, the content shared for you is over. I hope that the dressing skills and trend elements shared in this article can provide some inspiration and help for everyone’s fashion path, so that everyone can show their charm and elegance in dressing.

This article was originally created by Tiger Brother, and the pictures are all from the Internet. If there is any infringement, please contact to delete it. If you need to reprint it, please indicate the source, and plagiarism will be investigated! # For mature women #

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Sudirman Cup ｜ Badminton is not popular in Europe and America？ The answer is somewhat unexpected.

Xinhua News Agency, Suzhou, May 16 (Reporter Ji Ye, Ding Wenxian, Wang Hengzhi, Xu Shihao) Although badminton originated in Europe, the competitive arena has been "ruled" by Asian players for many years. At the Sudirman Cup World Badminton Mixed Team Championship in Suzhou in 2023, except for Denmark, which has the men’s singles Olympic champion Arceloró, other European and American teams still find it hard to win in the face of Asian powers.

On May 14th, Denmark’s Ansailong returned the ball in the game. He defeated Singapore’s Luo Jianyou 2-1. Xinhua News Agency reporter Yang Lei photo

Although there are occasional successes, most European and American players can only play a supporting role in badminton. Is this sport still popular in Europe and America? When the reporter threw this question to the European and American players participating in this competition, he got some unexpected answers.

"I feel that badminton is the first sport in France." The French women’s singles player Hugh’s answer surprised the reporter. The world’s No.55 player lost 0-2 to Japan’s Akane Yamaguchi in the women’s singles match in the group match on the 15th, and the French team also lost two games in a row in the group match, leaving early.

Although the national team has a poor record, Hugh said: "Many people in our country are playing badminton. Although the level is not high, the sport is widely carried out at the club level." She explained that due to media reports, commercial investment and other reasons, football is undoubtedly the largest sports industry in their country, but in terms of participation, badminton is the first sport in France.

England’s men’s doubles team Ryan/Wendy defeated South Korea in the 15th match, but England still lost to South Korea with a total score of 1:4, and they also lost two games in a row in Group D with France.

Ryan/Wendy and Hutt feel the same way. They said that in England, the public participation of badminton can rank second in all events. "More than 1 million people in Britain play badminton more than once a week, because it is easy to play badminton, as long as there is an open space."

Data Map: On January 11, 2023, Ryan (right)/Wendy played in the first round of men’s doubles at the Malaysian Badminton Open. Xinhua News Agency (photo by Zhang Wen)

However, they also said that according to the scale of the industry, badminton can only rank tenth in sports in England. Badminton is not regarded as a competitive sport in England, and people play badminton with an entertaining attitude. Moreover, badminton can’t make professional players make a lot of money, and most young people will still choose sports with mature industries such as football. Badminton events are not highly exposed here, and football matches are shown on TV every week.

On the competitive level, Danish badminton has the strongest overall strength in Europe, with the emergence of the current president of the World Badminton Federation and Olympic champion Larsson, Gade, one of the "four kings" of badminton, and Ansailong, a gold medalist in the Olympic and World Championships. In 2016, the Danish team also won the Thomas Cup, which represents the highest honor of the world badminton men’s team for the first time. This is the first time that the Thomas Cup has been won by a team outside Asia.

With the approach of the Paris Olympic Games, France has begun to "have ideas" in sports. Rivas, the coach who trained Marin, the women’s singles champion of Rio Olympic Games, was invited to be the coach of the French team. France has also set up a support institution named "National Institute of Sports, Profession and Performance" for the national team, and is equipped with experts in psychology, nutrition and medicine. The coaching team can analyze according to all kinds of data and information to help athletes train individually.

In Rivas’ view, the French team will gradually become a strong force in European badminton, and will launch an impact on the Danish team in the future. To become a world power, it needs long-term planning and perseverance. "The goal of French badminton in the future is to become the top five or seven in the world."

Compared with the above countries and regions, the popularity of badminton in Germany is not very high. Fabian, a German men’s singles player who participated in this competition, told reporters that badminton is a minority sport in Germany. Few people play badminton in schools, and the media attention is relatively low. In Australia, Canada and other places, the development of badminton still depends on the efforts of Chinese players.

Source: Xinhua News Agency

标签归档上海龙凤论坛

Five conjectures about the application of digital RMB, which one do you care most about？

Source, quality control, and cold chain transportation, more and more imported fruits have achieved ＂localization＂ and domestic fruits have been upgraded： from high-end to ＂people-friendly＂

Fashionistas must watch, and young women’s wearing skills and fashion elements become ＂fashionable essence＂

Sudirman Cup ｜ Badminton is not popular in Europe and America？ The answer is somewhat unexpected.

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标签归档 上海龙凤论坛

Five conjectures about the application of digital RMB, which one do you care most about？

Source, quality control, and cold chain transportation, more and more imported fruits have achieved ＂localization＂ and domestic fruits have been upgraded： from high-end to ＂people-friendly＂

Fashionistas must watch, and young women’s wearing skills and fashion elements become ＂fashionable essence＂

Sudirman Cup ｜ Badminton is not popular in Europe and America？ The answer is somewhat unexpected.

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标签归档上海龙凤论坛