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没网没电也能“买买买”?数字人民币优点多多多! - 站长搜索
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没网没电也能“买买买”?数字人民币优点多多多!

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2023-05-20 11:25:58 转载来源: 网络整理/侵权必删

英文:Can you buy without internet or electricity? There are many advantages to digital RMB!

随着经济社会的快速发展,我们的支付方式发生了巨大的变化。从现金支付、刷卡支付,到移动支付,掏出手机扫码付款,已是很多人十分熟悉的购物“固定动作”

随着经济社会的快速发展,我们的支付方式发生了巨大的变化。从现金支付、刷卡支付,到移动支付,掏出手机扫码付款,已是很多人十分熟悉的购物“固定动作”。


如果有一种方式,让收付款可以不受移动设备的网络质量和电量制约,那非数字人民币莫属。


数字人民币(e-CNY)是由中国人民银行发行的数字形式的法定货币,由指定运营机构参与运营并向公众兑换,以广义账户体系为基础,支持银行账户松耦合功能,与纸钞、硬币等价,具有价值特征和法偿性,支持可控匿名。

数字人民币兼有实物人民币和电子支付工具的优势。它的本质是现钞,现金收付没有手续费,且可以实现实时到账。在没有网络信号时也能完成收付款,场景应用范围更广。


在隐私性方面,数字人民币遵循“小额匿名、大额依法可溯”的原则,我们可以为钱包命名昵称,在日常支付使用中,交易双方看不到对方的个人信息,相当于用“网名”进行交易。


此外,数字人民币以广义账户体系为基础、支持银行账户松耦合,意味着即使没有银行账户,也可以利用手机号等开通数字钱包。这样一来,一些不能或者不便持有银行账户的人们,也可以通过数字钱包享受支付等金融服务。


编辑:邬嘉宏

来源:光明网

英文:Can you buy without internet or electricity? There are many advantages to digital RMB!

标签: 没网 没电 也能 买买买 数字 人民币 优点 多多


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