Ukusetyenziswa kwe-RMB yedijithali kuyaqhubeka nokukhuthazwa, kwaye amatyathanga amashishini afanelekileyo kulindeleke ukuba aqhubeke nokuxhamla

I-CITIC Securities ikhuphe ingxelo yophando ithi ukukhuthazwa kwe-RMB yedijithali njengesiseko sentlawulo kwixesha loqoqosho lwedijithali yindlela eqhelekileyo.Ngokusekwe kwiimpawu ze-RMB yedijithali, imikhwa yokuhlawula yabasebenzisi kunye nepatheni yentengiso yeselula inokujongana nethuba lokuphinda kubunjwe.Ukuthatha inxaxheba okusebenzayo kwabavelisi abahlukeneyo kulindeleke ukuba kuzise ukucinga ngakumbi ekukhuthazeni nasekusetyenzisweni kwe-RMB yedijithali.I-Digital RMB ineemeko zobuchwepheshe bokusetyenziswa kwe-cross-border, kwaye kulindeleke ukuba yandise ukusuka kwintengiso ukuya kwintlawulo ye-cross-border kwixesha elizayo, ukwenzela ukuba kuqiniswe ukhuphiswano lwamazwe ngamazwe lwe-RMB ngokudibanisa nenzuzo yokuqala yokuhambisa.Ngokukhuthazwa okuqhubekayo kwesicelo se-RMB yedijithali, amakhonkco amashishini afanelekileyo kulindeleke ukuba aqhubeke nokuxhamla.Kucetyiswa ukuba ingqalelo ababoneleli ngeenkonzo ezinxulumene Hard Wallet yokuvelisa, ukuxhasa ukuguqulwa kwezixhobo zokuqokelela & terminal ukwamkelwa, ukwakhiwa inkqubo yebhanki yorhwebo kunye nokhuseleko ubuchwepheshe.

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Iimbono eziphambili zeCITIC Securities zezi zilandelayo:

I-Digital RMB e-cny: izibonelelo zokuhlawula ngexesha loqoqosho lwedijithali, umkhwa jikelele wokunyusa.

Imali yedijithali esemthethweni yindlela engcono yokuphucula ukusebenza kakuhle, ukunciphisa iindleko zentlawulo kunye nokomeleza ulawulo lukarhulumente oluphakathi.Ngaphantsi kweendlela ezininzi zomthetho wenjongo yophuhliso lwemali, utshintsho lwemeko yentlawulo kunye nokuphuculwa kobuchwepheshe bedijithali, imali yedijithali esemthethweni kulindeleke ukuba ibe sisibonelelo sentlawulo kwixesha loqoqosho lwedijithali kunye nesiqhelo sokunyusa.Imali yedijithali ekhutshwe yiBhanki Enkulu yaseTshayina ibizwa ngokuba yi-e-cny.Ibekwe njengesiseko sentlawulo yentengiso kwixesha loqoqosho lwedijithali.Iqhutywa ngamaziko asebenzayo atyunjiweyo.Ngokusekwe kwinkqubo ye-akhawunti ngokubanzi, ixhasa umsebenzi wokudibanisa okuxeliweyo kwee-akhawunti zebhanki.Ilingana ne-RMB ebonakalayo kwaye ineempawu ezixabisekileyo kunye nembuyekezo yomthetho.Okwangoku, i-pilot ye-e-cny iqhubela phambili ngokuthe chu, kwaye ukuthandwa kwayo kunye nokusetyenziswa kwayo kuya kukhawuleziswa ngo-2021.

INkqubo yokuSebenza kunye neTekhnoloji: ulawulo olusembindini, ulwakhiwo olunemigangatho emibini yokusebenza, iimpawu ezisixhenxe + ulwakhiwo oluxutyiweyo indawo evulekileyo yesicelo.

I-E-cny ibekwe njengenxalenye yokutshintshwa kwemali ejikelezayo (M0), edibanisa inzuzo yekheshi kunye nentlawulo ye-elektroniki.Ngaphaya koko, yamkela ulawulo olusembindini kunye nenkqubo yokusebenza yamanqanaba amabini yokukhupha umaleko kunye nomaleko wokujikeleza.I-E-cny ineempawu ezisixhenxe zesicelo: zombini i-akhawunti kunye neempawu zexabiso, akukho kubalwa kwenzala kunye nentlawulo, ixabiso eliphantsi, intlawulo kunye nokuhlaliswa, ukungaziwa okulawulwayo, ukhuseleko kunye neprogrammability.I-Digital RMB ayimiseli kwangaphambili indlela yobugcisa kwaye ixhasa ubuchwephesha bobugcisa obuxubeneyo, okuthetha ukuba iimeko ezingakumbi zokwenziwa kwezicelo kulindeleke ukuba zizalwe malunga neempawu zobugcisa ze-e-cny, ekulindeleke ukuba izise iimodeli ezintsha zoshishino kunye namathuba emarike.

Isikhundla sokuziphendukela kwemvelo: kulindeleke ukuba kwandiswe ukusuka kwintengiso ukuya kwintlawulo enqumla umda, ukuphucula ukusebenza kakuhle kokuhlaliswa komda kunye nokukhuthaza ukuthengiswa kwamanye amazwe kwe-RMB.

Okwangoku, ngokukhawuleza, kunye nenkqubo yentlawulo yaseTshayina enqumla imida i-CIPS kunye nenkqubo yentlawulo yaseTshayina ye-CNAPS, zenza inkqubo yokuhlawula enqumla imida yaseTshayina, ekwangumgangatho wenkonzo yemiyalezo yemali jikelele yezizwe ngezizwe.IBhanki Enkulu yase China inkqenkqeza phambili ekukhuthazeni imali yedijithali phakathi koqoqosho olukhulu lwehlabathi.Ukudityaniswa kwayo ngokukhululekileyo kweeakhawunti zebhanki kunye neempawu zokuhlawula njengentlawulo kunokunceda i-RMB intlawulo enqumla imida inciphise ukuxhomekeka kwayo kwinkqubo ekhawulezayo kunye nokuphucula ukusebenza kakuhle kokuhlaliswa kwemida.Idityaniswe nenzuzo yokuqala yokuhambisa, kulindeleke ukuba komeleze ukhuphiswano lwemali yabantu kumazwe ngamazwe.Ngokwephepha elimhlophe kwinkqubela phambili yophando kunye nophuhliso lwe-RMB yedijithali yaseTshayina ekhutshwe yibhanki ephakathi, i-RMB yedijithali ineemeko zobugcisa bokusetyenziswa komda, kodwa okwangoku isetyenziselwa ukuhlangabezana neemfuno zentlawulo yokuthengisa yasekhaya.Okwangoku, uvavanyo lophando kunye nophuhliso lwemeko yokuhlawula i-cross-border iqhubela phambili ngendlela ehlelekile.

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Imikhwa yabasebenzisi, ipateni yemarike okanye ukulungiswa kwakhona kobuso, kunye neshishini elinokubakho lesicelo semeko likhulu.

I-1) I-Wallet ethambileyo: abaqhubi be-app yedijithali ye-RMB bahlukene, iimeko zesicelo se-wallet ethambileyo zihlala zityetyiswa, kwaye amava okusebenzisa ngokuthe ngcembe asondele kwizixhobo zentlawulo ze-elektroniki zangoku.Njengoko intlawulo yokungena yokungena, inokunceda iibhanki zorhwebo zandise isabelo semarike yentlawulo yokuthengisa, kwaye iibhanki zorhwebo nazo zilindeleke ukuba zikhuthaze iinkonzo ezongeziweyo zexabiso malunga nokungena kwentlawulo yedijithali ye-RMB.

I-2) I-Wallet Enzima: I-Wallet Enzima iqonda imisebenzi enxulumene ne-RMB yedijithali ngokusekelwe kwi-chip yokhuseleko kunye nobunye ubuchwepheshe.I-CITIC Securities ikholelwa ukuba kukho amathuba okulungisa imikhwa yokusetyenziswa kwabasebenzisi kunye nepatheni yentengiso yentlawulo yeselula kwezinye iindlela ze-wallet enzima, njengekhadi, i-terminal ephathwayo kunye nesixhobo esinxitywayo ukungena kwetrafikhi kunye neemeko zokusebenza.Ukuthatha inxaxheba okusebenzayo kwabavelisi abohlukeneyo kuya kuzisa ukucinga ngakumbi ekukhuthazeni nasekusetyenzisweni kwe-RMB yedijithali.

3) IiOlimpiki zaseBusika ziye zaba yindawo ephambili yokukhuthaza i-e-cny, kwaye izicelo ezisekelwe kwimeko kulindeleke ukuba ziqhubeke ziphuhliswa kwixesha elizayo.

Imiba yomngcipheko: ukukhuthazwa komgaqo-nkqubo we-RMB yedijithali kuhamba kancinci kunokuba kulindelwe, kwaye ulwakhiwo lweziseko ezingundoqo ngaphandle kwe-intanethi lungaphantsi kunolulindelweyo.


Ixesha lokuposa: Mar-14-2022