“数字人民币”来了 它到底哪里好？
“数字人民币”来了它到底哪里好？
RMB goes digital. Why is it good news?
“数字人民币”，简单来说，是中国法定货币人民币的数字化形式。
"Digital RMB", in short, is the digital form of China's legal currency RMB.
2014年，中国央行启动法定数字货币研发，进行了多年的试点推进。现在，数字人民币已经被写入十四五规划。现金和数字人民币在未来将并存。
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.
数字人民币目前拥有软件钱包和硬件钱包两种形态。软件钱包是以手机APP的形式存在，硬件钱包则是基于“芯片”形式存在的实物钱包。
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".
下面让我们来看看数字人民币具有哪些优势？
So what are the advantages of digital RMB?
首先，与传统第三方支付平台相比，在交易活动中，只存在付款方和收款方，不存在第三方中介平台。其次，通过数字人民币进行交易无需网络支持。第三，将数字人民币“提现”无需服务费。另外，商家对是否使用第三方支付平台具有选择权，而作为法定货币，数字人民币在全面推广后，商家不能拒收。尤其是在人们最关心的隐私问题上，使用数字人民币交易，任何商家和平台都无权获取消费者个人信息和支付数据。
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.
数字人民币相当于“电子钱”，还具备一些“先天”优势。比如，数字人民币不需要印钞纸、油墨、印钞机，也能免去回收磨损老化纸币的高额成本，因此发行成本更低。并且每一“张”数字人民币的流通都有数据记录，对于打击洗钱、逃税等违法犯罪有很大帮助。未来，数字人民币在国际交易的结算和清算领域将扮演重要角色，有利于人民币走向世界。
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，中国部分大型银行已经开始推出数字人民币货币钱包，多地也向普通民众开始了推广工作，看来“数字人民币时代”距离我们真的不远了！
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.
