数字人民币应用场景日渐丰富

2021年04月27日 7902点热度 0人点赞 1,726条评论

数字人民币应用场景日渐丰富

数字人民币(e-CNY)正在吸引越来越多公众的注意力。在第四届数字中国建设峰会上,数字人民币展台人头攒动,普通老百姓(62.5000.000.00%)对于数字人民币的热情和兴趣高涨。而银行也正在推动更多商户和个人用户下载数字钱包,以便在试点计划中直接使用数字人民币进行交易。

  应用场景逐步丰富

央行官员近期表示,目前数字人民币试点范围有序扩大,应用场景逐步丰富,应用模式持续创新,系统运行总体稳定,初步验证了数字人民币在理论政策、技术和业务上的可行性和可靠性。

为了推动公众对于数字人民币的了解和接受度,银行预计将在“五一”期间,向上海市民发放免费数字现金红包。

数字人民币可以应用于多个场景。在此次数字中国建设峰会上,中国银行(3.2500.000.00%)首次展出了一台可兑换外币的数字人民币原型机,可支持包括人民币在内的17种币种的兑换。未来持有护照的外国人只需要将外币放入机器中,机器就会自动吐出一张数字人民币卡片,卡片上还带有交易金额和可用余额的显示屏,因此也被称为“可视芯片钱包”。

只需拿着这个钱包,外国人就能在接受数字人民币支付的终端上消费,应用场景涵盖了商场、超市、自动贩卖机、交通、教育、医疗、农贸市场等多地,并将首次在明年的冬季奥运会上正式投入使用。

现场工作人员向第一财经记者介绍道,可视芯片钱包分为在线和离线两种类别。支持在线功能的钱包中的数据与网络相连,即便发生遗失,数据仍存储在对应的服务商系统中;而离线钱包则类似于目前的交通卡,无需网络支持,也被称为是“硬钱包”。

对于这台数字人民币兑换机,参观者饶有兴致。一位从厦门赶到福州的参观者对第一财经记者表示:“我们希望数字人民币尽快在各地铺开试点,比如在厦门港口,就很需要这样的兑换机,好让老百姓也享受到数字货币带来的好处。”

2019年底数字人民币试点、测试相继在深圳、苏州、雄安、成都四地及北京冬奥会场启动,到2020年10月,增加了上海、海南、长沙、西安、青岛、大连等6个试点测试地区,由此初步形成“10+1”格局。

  率先推向国内个人消费者

一位银行方面人士在展台现场对第一财经记者表示,数字人民币已经成为央行继纸币和硬币后发布的又一种官方货币,并将作为央行发行的有形流通货币(M0)的一部分。具体而言,央行将数字货币发行给银行,再由银行将货币转移给个人和公司。

但目前数字人民币的试点还只向特定受邀的人群开放,未来希望能够加快推广普及。“这是顺应全球趋势的做法,在这次展会上向公众展示,也是希望帮助普通人了解什么是数字人民币以及如何使用。”他说道。

不过他同时强调,央行推出数字人民币并不是为了与支付宝或者微信支付竞争,其作用更像是“备份”或“冗余”。 目前支付宝和微信支付控制着中国约94%的在线支付市场。还在测试版的数字人民币钱包可以与包括美团、京东、滴滴出行以及哔哩哔哩在内的十几种软件应用捆绑销售,但是不能与微信或支付宝连接。

中国发展的主权数字货币已经远远领先于其他主要经济体的类似举措。第一财经记者在展馆现场看到,除了中、农、工、建、交、邮储六大国有银行之外,还包括京东科技、蚂蚁金服、华为和腾讯等科技公司参与了数字人民币的开发和标准化的研制工作,并根据央行的总体安排推进试点工作。

央行副行长李波上周表示,人民币数字化当前的重点是促进其在国内的使用,他表示,希望国内率先将数字人民币用于跨境支付。一些分析人士认为,这将会提升人民币的全球地位,从而最终打破美元结算体系的主导地位。

汇丰银行预计,数字人民币将在中国国内快速普及。汇丰在最近的一份报告中写道:“数字人民币的可用性与支付宝和微信支付相当,但其安全功能可能更高,并且技术含量可以与比特币相当。”

普华永道(中国)全球TMT负责人周伟然表示,数字人民币将对消费的“最后一公里”进行数字化,使银行和商家能够捕获消费行为数据并深入了解消费者的支出模式。但他预测,数字人民币的大规模采用不会在一夜之间发生。“未来几年内,数字人民币将与支付宝和微信支付并存,占比可达中国电子支付市场的10%。”他说道。

“使用区块链技术加密系统的数字货币,有望使得银行和政府能够准确追踪资金的流动,并有助于发现和防止洗钱活动。”周伟然对第一财经记者表示,“未来所有的银行间清关和支付都可以采用电子担保,这将会消除中介清算的代理,缩短清算时间,并降低交易成本。”

他认为,政府将数字人民币的侧重点放在发展个人消费者的策略是非常正确的,而一旦数字货币被公众广泛接受后,就建立起系统性的基础,未来再推向企业层面,将会产生巨大的经济影响。他还对第一财经记者表示:“未来第三方手机钱包运营商将与央行紧密合作,拥抱数字货币的发展趋势。”

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  • EugeneLot

    Drought-hit Danube River reveals scuttled German World War II ships
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    The wrecks of explosives-laden Nazi ships sunk in the Danube River during World War II have emerged near Serbia’s river port town of Prahovo, after a drought in July and August that saw the river’s water level drop.

    Four vessels dating from before 1950 have also come to light in Hungary’s Danube-Drava National Park near Mohacs, where the Danube’s water level stood at only 1.5 meters (4.9 feet) on Tuesday, the lingering effect of severe heat waves and persistent drought in July and August.

    The vessels revealed in Prahovo were among hundreds scuttled along the Danube by Nazi Germany’s Black Sea fleet in 1944 as they retreated from advancing Soviet forces, destroying the ships themselves. The wrecks can hamper river traffic during low water levels.
    Strewn across the riverbed, some of the ships still have turrets, command bridges, broken masts and twisted hulls, while others lie mostly submerged under sandbanks.

    Endre Sztellik, a guard at the Danube-Drava national park, said of one of the ships, “we still don’t know what this is exactly. What is visible and an unfortunate fact is that the wreck is diminishing as people are interested in it and parts of it are going missing.”
    The Danube stood at 1.17 meters (3.8 feet) in Budapest on Tuesday, which compares with an all-time record low of around 0.4 meters (1.3 feet) registered in October 2018. During floods, the Danube rises well above 6 meters (19.7 feet).

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    Singing about the perils of fame, being dragged out from beneath a fallen chandelier then bleeding to death in front of a roomful of celebrities: Lady Gaga was not shy about making her debut at the MTV Video Music Awards.

    The year was 2009 — many will remember it as the year rapper Ye (formerly Kanye West) stage-crashed 19-year-old Taylor Swift and suggested her award for Best Female Video should have gone to Beyonce instead. But never one to be overshadowed, Lady Gaga, then 23, made some pop culture history of her own that night.

    Her rendition of “Paparazzi” — lamenting both unrequited love and the sinister effects of hounding tabloids — has gone down in the mists of Gaga legend; not least because a lack of high-quality footage means fans must resort to watching grainy screen-recorded versions circulated on social media.
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    “I’m your biggest fan, I’ll follow you until you love me,” Gaga wailed desperately, her once-pristine outfit now daubed in scarlet. She ended the number suspended above the stage, ‘dead,’ as more blood dripped from her eyes.

    “(It) gives me chills every time I watch it,” Olivia Rodrigo told MTV in 2021. “I think Lady Gaga is the best performer of our generation.” The “Drivers License” singer appeared to take notes. At this year’s Grammy Awards, she began to ‘bleed’ from clenched fists while performing her hit “vampire,” spreading fake blood across her arms and neck as the song progressed.

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    “We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
    He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
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    Many New Yorkers will gladly tell anyone who’ll listen – and even those who won’t – about how they have the best pizza. And now they’ve got some mouth-watering new back-up for their long-standing culinary claims.

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    It started with a melting glacier that set off a huge landslide, which triggered a 650-foot high mega-tsunami in Greenland last September. Then came something inexplicable: a mysterious vibration that shook the planet for nine days.

    Over the past year, dozens of scientists across the world have been trying to figure out what this signal was.

    Now they have an answer, according to a new study in the journal Science, and it provides yet another warning that the Arctic is entering “uncharted waters” as humans push global temperatures ever upwards.
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    Some seismologists thought their instruments were broken when they started picking up vibrations through the ground back in September, said Stephen Hicks, a study co-author and a seismologist at University College London.

    It wasn’t the rich orchestra of high pitches and rumbles you might expect with an earthquake, but more of a monotonous hum, he told CNN. Earthquake signals tend to last for minutes; this one lasted for nine days.

    He was baffled, it was “completely unprecedented,” he said.
    Seismologists traced the signal to eastern Greenland, but couldn’t pin down a specific location. So they contacted colleagues in Denmark, who had received reports of a landslide-triggered tsunami in a remote part of the region called Dickson Fjord.

    The result was a nearly year-long collaboration between 68 scientists across 15 countries, who combed through seismic, satellite and on-the-ground data, as well as simulations of tsunami waves to solve the puzzle.

    2024年9月16日
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    Hyundai and General Motors (GM) have agreed to look for ways to work together on developing new vehicles, supply chains and technologies in an effort to cut costs and move more quickly.

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    South Korea’s Hyundai and America’s GM (GM) said on Thursday they would collaborate on joint product development, manufacturing and future clean energy technologies. They plan to work together on internal combustion, clean-energy, electric and hydrogen vehicles.

    The non-binding framework agreement was signed by Hyundai Motor Executive Chair Euisun Chung and GM Chair and CEO Mary Barra.

    “Our goal is to unlock the scale and creativity of both companies to deliver even more competitive vehicles to customers faster and more efficiently,” Barra said in the statement.

    Including its affiliate Kia, Hyundai Motor is the world’s third-largest automaker by sales, according to Reuters, while GM is currently America’s largest carmaker, having retaken that title from Toyota (TM) in 2022.

    “This partnership will enable Hyundai Motor and GM to evaluate opportunities to enhance competitiveness in key markets and vehicle segments, as well as drive cost efficiencies and provide stronger customer value,” Chung said in the statement.

    Carmakers are increasingly sealing partnerships as a way of becoming more competitive in a cut-throat industry driven by price wars.

    Last year, Nissan and Renault finalized the terms of their revamped alliance, which will focus on developing EVs. GM and Honda (HMC), along with Cruise — GM’s autonomous driving subsidiary — have agreed to create a driverless ride-hailing company in Japan.

    2024年9月17日
  • HaroldFag

    Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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    The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

    We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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    The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

    In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
    Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

    American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

    2024年9月17日
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    Hyundai and General Motors (GM) have agreed to look for ways to work together on developing new vehicles, supply chains and technologies in an effort to cut costs and move more quickly.

    Global carmakers are under intense pressure to come up with new electric vehicle (EV) and battery technology because they face vehicle emissions regulations around the world. Those research and development efforts could cost tens of billions of dollars.

    They’re also facing an onslaught of potential competition from Chinese automakers, particularly EV producers, trying to export their lower-cost models overseas in order to escape a huge oversupply problem at home.
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    South Korea’s Hyundai and America’s GM (GM) said on Thursday they would collaborate on joint product development, manufacturing and future clean energy technologies. They plan to work together on internal combustion, clean-energy, electric and hydrogen vehicles.

    The non-binding framework agreement was signed by Hyundai Motor Executive Chair Euisun Chung and GM Chair and CEO Mary Barra.

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    Carmakers are increasingly sealing partnerships as a way of becoming more competitive in a cut-throat industry driven by price wars.

    Last year, Nissan and Renault finalized the terms of their revamped alliance, which will focus on developing EVs. GM and Honda (HMC), along with Cruise — GM’s autonomous driving subsidiary — have agreed to create a driverless ride-hailing company in Japan.

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    Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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    The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

    We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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    The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

    In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
    Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

    American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

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    Today, the lush, green valley surrounding the Tollense River in northeast Germany appears to be a serene place to appreciate nature.

    But to archaeologists, the Tollense Valley is considered Europe’s oldest battlefield.

    An amateur archaeologist first spotted a bone sticking out of the riverbank in 1996.

    A series of ongoing site excavations since 2008 has shown that the thousands of bones and hundreds of weapons preserved by the valley’s undisturbed environment were part of a large-scale battle 3,250 years ago.

    The biggest mysteries that researchers aim to uncover are why the battle occurred and who fought in it. These are questions that they are now one step closer to answering.
    ozens of bronze and flint arrowheads recovered from the Tollense Valley are revealing details about the able-bodied warriors who fought in the Bronze Age battle.

    The research team analyzed and compared the arrowheads, some of which were still embedded in the remains of the fallen. While many of these weapons were locally produced, some bearing different shapes came from a region that now includes modern Bavaria and Moravia.

    The outliers’ presence suggests that a southern army clashed with local tribes in the valley, and researchers suspect the conflict began at a key landmark along the river.

    Back to the future
    Scientists are harnessing the power of artificial intelligence to detect hidden archaeological sites buried below the sand of the sprawling Rub‘ al-Khali desert.

    The desert spans 250,000 square miles (650,000 square kilometers) on the Arabian Peninsula, and its name translates to “the Empty Quarter” in English. To unravel the secrets of the desolate terrain, researchers are combining machine learning with a satellite imagery technique that uses radio waves to spot objects that may be concealed beneath surfaces.

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    Colorful auroras could be visible in areas of the United States such as Alabama and Northern California — much farther south than they typically appear — on Thursday evening due to a powerful solar flare and coronal mass ejection released from the sun, according to the National Weather Service’s Space Weather Prediction Center.

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  • CharlesBug

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