Six major banks "rush to the beach" digital RMB: the transaction amount of CCB is about 43.5 billion yuan, and the opening scene and merchant series of BOC rank first in the market

Sina Finance blockchain 2022-04-06 12:35:24 阅读数:528

banks rush beach digital rmb

For digital RMB ,2021 It is a year of rapid development . Especially since the second half of last year , With the deepening of the pilot work of digital RMB , The number of application scenarios 、 The number of wallets opened and the amount of transactions are growing rapidly .

According to the central bank , By the end of last year , The pilot scenario of digital RMB has exceeded 808.51 m , Accumulated opening of personal wallet 2.61 One hundred million , Transaction amount 875.65 One hundred million yuan , The pilot has effectively verified the technical design and system stability of digital RMB business 、 Product ease of use and scenario applicability , It has enhanced the public's understanding of the design concept of digital RMB .

In the process , As the first batch of digital RMB operators , The six major state-owned banks have actively arranged digital RMB business , Become the absolute main force in the development and promotion of digital RMB . stay 2021 In the annual performance report , Banks have also disclosed their digital RMB pilot and promotion .

For example, ICBC , In the annual report , Actively promote the scenario and ecological innovative application of digital RMB . In the bank card business , The bank accelerated ICBC e Construction of living platform , advance “ The credit card + Digital RMB ” Integration and innovation , Realize digital RMB e Life pays 、 QR code payment transaction closed loop ; Enabling the Winter Olympic scene , We will promote the acceptance of digital RMB wallets VISA Overseas card . In terms of product innovation , The bank upgraded its smart hosting platform , Introduction “ Company zhicuntong ” Special deposit products , Realize ICBC e Pay 、 Bank enterprise interconnection supports digital RMB , Complete the industry's first public digital RMB payment with the State Grid e-commerce platform .

Digital RMB transaction volume CCB occupies “ half ”

CCB disclosed in its annual report , By the end of last year , The bank's total number of RMB transactions 8475 More than ten thousand , About 435 One hundred million yuan , This is equivalent to accounting for... Of the total transaction volume of digital RMB “ half ”.

In the annual report , CCB said , Last year, under the unified leadership of the central bank , According to “ The steady 、 Security 、 controllable 、 innovation 、 practical ” principle , Continue in Shenzhen 、 Suzhou 、 Xiongan 、 Chengdu 、 Shanghai 、 hainan 、 Changsha 、 Xi'an 、 dalian 、 Qingdao 10 Regions and 2022 The pilot test of digital RMB was carried out in the scene of the 2008 Winter Olympics . Iteratively optimize the digital RMB system and digital RMB wallet system of CCB , Continuously optimize the experience of digital RMB exchange and circulation services , Innovatively launched digital RMB combined payment 、 Services such as real-time issuance of red envelopes and automatic redemption of wallet balance back to bank account .

In terms of application scenarios , CCB makes every effort to build a digital RMB payment scenario , Continuously optimize the construction of digital RMB acceptance environment , Comprehensive coverage of transportation and travel 、 Living expenses 、 Living expenses 、 Food and accommodation 、 School education 、 Health care 、 Entertainment 、 Retail payment fields such as government services and online platforms .

meanwhile , CCB has also increased its efforts to promote digital RMB , Actively participate in Shenzhen 、 Suzhou 、 Xiongan 、 Chengdu 、 Changsha 、 Digital RMB red envelope activities in Hainan and other places , Organize and carry out a series of customer benefit activities , Invite customers to participate in the pilot test of digital RMB .

CCB also disclosed in its annual report , The bank worked with several national joint-stock banks last year 、 Head city firm 、 Rural commercial banks carry out cooperation in the field of digital RMB ; In terms of mobile finance, corporate digital RMB wallet has been deployed , Realize digital wallet collection 、 Transfer and inquiry services .

BOC's opening scene and number of merchants rank first in the market

Although BOC did not disclose the specific transaction amount of digital RMB business , But it was made clear in the annual report that , BOC deeply integrates digital RMB business with characteristic scenes , The number of opened scenarios and the number of merchant stores , The market share is 34% and 36%, Ranking first among all operating organizations . meanwhile , Last year, the number of digital RMB wallets opened increased exponentially .

It is worth mentioning that , As a bank and financial institution that exclusively undertakes the digital RMB pilot service within the Winter Olympic security red line , During the Winter Olympics, BOC provided “ Soft Wallet ”“ Hard Wallet ” Two digital RMB pilot services .

before , The bank of China, (601988) President Liu Jin said , The Winter Olympics themed digital RMB Hard Wallet launched by BOC is China's first digital RMB Hard Wallet product under the guidance of the people's Bank of China , The bank is already in Beijing 、 Zhangjiakou area to build 4 More than 10000 acceptance scenarios , Full coverage of food 、 live 、 That's ok 、 swim 、 purchase 、 Entertainment and other diversified needs . At the time , Liu Jin also revealed , After the Winter Olympics, more consumption scenarios will promote digital RMB .

4 month 1 Japan , The central bank announced that Tianjin will be added to the existing pilot areas 、 Chongqing City 、 Guangzhou, Guangdong Province 、 Fuzhou and Xiamen in Fujian Province 、 Zhejiang Province is the host of the Asian Games 6 Cities as digital RMB pilot areas , Beijing and Zhangjiakou in Hebei Province are in 2022 Beijing Winter Olympics 、 After the pilot of the winter Paralympic Games, it will be changed to the pilot area . obviously , The pair have been in Beijing 、 Zhangjiakou area to build 4 For BOC with more than 10000 digital RMB acceptance scenarios , The development of its digital RMB business is expected to be further .

ABC 、 Postal savings bank Add digital RMB related departments

ABC disclosed in its annual report , The bank has established a digital RMB Engineering Office , To strengthen the professional strength of digital RMB R & D and application .

As one of the first designated operators of digital RMB , ABC took the lead in successfully exchanging digital RMB in the production environment . It is reported that , ABC has fully completed the core system of digital RMB , Products and services cover online Main channels , oriented G End sum B Provide transportation for terminal and new retail customers 、 Retail wisdom 、 People's livelihood payment 、 campus life 、 Three rural supply chain 、 Agricultural subsidies and other industry solutions , Promote the deep integration of digital RMB and various fields .

In the annual report , ABC further disclosed that , The line revolves around public transport 、 Hospital fees 、 campus life 、 Expand scenario projects in offline retail and other fields , The number of pilot scenarios and merchants ranks at the forefront of the industry ; Fully support online banking in pilot areas 、 Palm Silver 、 Dot 、 The portable intelligent terminal opens and uses the wallet . Promote dual offline digital wallet 、 Research and development of innovative products such as smart contracts , Use smart contract to realize the directional distribution and use of government agriculture related funds .

Different from the research department set up by ABC , The postal savings bank will set up a digital RMB department at the head office , To strengthen the organizational support for the development of digital RMB business . meanwhile , A complete and clear internal and external accounting system has also been established , The bank's unified reserve management system ,7×24 Hourly risk emergency response mechanism , Build a customer service team of digital RMB special line .

In terms of strategic customer cooperation , Postal savings bank through customization 、 Personalized development , Provide enterprises with more flexible fund management 、 More efficient digital RMB service scheme for payment transactions , Landing PetroChina gas station 、 Xiongan non tax payment 、 Purchase of grain by COFCO 、 Guoneng e Shopping mall and other digital RMB payment scenarios .

In terms of peer cooperation , The postal savings bank has made great efforts to expand national joint-stock banks 、 Urban rural commercial banks and private banks , And Ping An Bank (000001) For the first time in the industry “ Direct connection ” Mode to output digital RMB service , Currently with 60 More than banks have signed cooperation agreements on digital RMB services . Besides , The postal savings bank also works with high-quality Payment institutions 、 Service providers work together , Continue to deepen the innovation of application scenarios , Strive to build a digital RMB ecosystem .

The postal savings bank disclosed in its annual report , The total number of functional components of digital RMB products online has exceeded 230 individual , Covers personal wallets 、 Corporate Wallet 、 Merchant Collection 、 Various aspects of operation management , Continuously improve the ability of digital RMB payment services .

Bocom strives to build a new ecosystem of digital RMB payment

Bank of communications disclosed in its annual report , The bank relies on the group's comprehensive business advantages and customer base , Take digital transformation as the starting point , Take financial technology as a breakthrough , Dig deep and push “ Financial technology +( Not ) Financial scenario ” Building , The application scenario of digital RMB has been implemented 23.64 m .

According to the Bank of Communications , The bank plays the role of digital RMB “ Payment is settlement ” Convenient and safe features , Facing traffic 、 education 、 Medical care 、 Tax and other government affairs and people's livelihood fields to build a multi currency ecological application . During the reporting period , The bank took the lead in realizing the National Digital RMB signing and tax payment business in Hainan Province .

meanwhile , Bocom applies digital RMB to enterprises 、 Industrial digital transformation and integration , With ( Not ) Financial ecological scene construction , Build an ecosystem for common development with customers . such as , Last year, I designed and developed a mother child wallet for China civil aviation information group 、 Innovative service models such as smart contracts , In cash management 、 Ticket sales 、 Cargo and mail settlement 、 The four major civil aviation service fields of airport charges build a complete multi currency ecosystem .

Besides , In order to strengthen the publicity of digital RMB , Cultivate market awareness , Bank of communications last year in 11 Select all kinds of cultural tourism in the pilot areas 、 Colleges and universities and online red card punching places 32 A digital RMB consumption demonstration block has been established in each location, and a digital RMB demonstration block has been created , Enrich the public consumption experience mode , To increase the circulation heat of several currencies , Strengthen the brand effect of several currencies .

editor : Tang Jing

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