[Digital currency will impact the third-party payment pattern, and the paper currency era may end] On the evening of October 11, the General Office of the Central Committee and the Office of the State Council issued the "Shenzhen Construction of a Pilot Demonstration Zone of Socialism with Chinese Characteristics Comprehensive Reform Pilot Implementation Plan (2020-2025) Years)", the most notable of which is the digital RMB red envelope pilot project recently launched by the Shenzhen Municipal People’s Government and the People’s Bank of China. With the advent of digital currency, the question that lies ahead is whether banknotes will be replaced? Digital renminbi, like banknotes and coins, is renminbi cash. However, the slight difference is that the digital renminbi is generated by digital signals. And unlike electronic payment, digital currency payment does not require the Internet.
[数字货币将影响第三方支付方式，纸币时代可能会结束] 10亚博的官网登录手机登录月11日晚，中央办公厅，国务院办公厅发布《深圳建设试点示范基地》。 《中国特色社会主义地区全面改革试点实施方案（2020-2025年）》，其中最引人注目的是深圳市人民政府和中国人民银行最近发起的数字人民币红包试点项目。随着数字货币的出现，摆在面前的问题是钞票是否会被替换？像钞票和硬币一样，数字人民币也是人民币现金。但是，略有不同的是，数字人民币是由数字信号生成的。与电子支付不同，数字货币支付不需要互联网。
But does the paper currency enter the countdown to death? The market thinks that it should be in the long run. However, the central bank's digital currency will not completely replace paper currency in a certain period of time. It will still be used as a supplement to the daily consumption of ordinary people. Towards a "cashless society" is a long-term process that cannot be accomplished overnight. In addition, the advent of the digital currency era will change the existing social structure and institutional functions to a certain extent.
With the arrival of digital currency, another question is: Will it have an impact on the original third-party payment pattern? It seems inevitable that the pattern will have an impact, because the central bank digital currency, referred to as DCEP, is composed of two parts: Digital Currency and Electronic Pay-ment. The former means digital currency and the latter is called electronic payment; the former represents digital currency online Circulation, the latter shows that one of DCEP's main business is digital wallet. Therefore, the market generally believes that DCEP has a natural overlap with payment tools such as Alipay and WeChat, regardless of the network resource background and circulation channels it relies on, or the basic functions it undertakes, thus forming a market competition relationship with third-party payment.
However, digital currency and third-party payment are still completely different things in nature. Dong Ximiao, chief researcher of Xinwang Bank and chief researcher of Zhongguancun Internet Finance Research Institute, said that central bank digital currency is legal tender, while WeChat Pay and Alipay are just a payment method. Their effectiveness is different. Specifically, if institutions or individuals do not accept Alipay or WeChat payments, there is no legal problem. But it is illegal to refuse users to use cash or digital currency to pay.