数字人民币是什么 数字人民币怎么用

数字人民币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，无需银行账户，就能使用，能更大限度地保护大家的隐私。

The digital renminbi is a legal currency issued by the People's Bank of China in digital form, operated by designated operators and converted to the public, based on a broad system of accounts, which supports bank account coupling functions, is equivalent to bank notes and coins, is used without bank accounts, and protects everyone's privacy to a greater extent.

maigoo小编了解到法定数字货币的研发和应用，有利于高效地满足公众在数字经济条件下对法定货币的需求，提高零售支付的便捷性、安全性和防伪水平，助推中国数字经济加快发展。

The mini-editor was informed of the development and application of the statutory digital currency, which is conducive to meeting the public's demand for the legal currency in the context of the digital economy in an efficient manner, increasing the ease, security and security of retail payments and contributing to the accelerated development of the Chinese digital economy.

目前数字人民币正处在试点阶段，没有“开放全体市民公测”的说法：

The digital renminbi is currently in the pilot phase, with no reference to “open public opinion”:

第一步：下载并登陆数字人民币app，经过注册、手机号认证等常规操作后，就到了选择运营机构的环节。

First step: downloads and logs into the digital renminbi app, which, after regular operations such as registration, mobile phone number certification etc., leads to the selection of the operating agency.

第二步：目前一共有6家银行供选择，分别是工行、农行、中行、建行、交行、邮储。选择一家银行，进行短信认证，数字人民币钱包就开通成功了。

Step 2: currently has six banks available for choice: industrial, agricultural, middle, construction, and distribution.

注意：数字人民币钱包采用白名单制度，市民可在试点银行包括工商银行、农业银行、中国银行、建设银行、交通银行、邮政储蓄银行的网点提供姓名和手机号等基本信息申报白名单。

notes: digital renminbi wallets use a white list system, where citizens can submit basic information such as names and cell phone numbers in pilot banks, including business banks, agricultural banks, Chinese banks, construction banks, transport banks, postal savings banks.

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、大连六个试点测试地区。

At the end of 2019, a digital renminbi pilot was launched in Shenzhen, Suzhou, Yu An, Chengdu, and Beijing Olympics. By October 2020, six pilot testing areas were added in Shanghai, Hainan, Changsha, Xian, Qingshima, Dalian.

即假借数字人民币推广之名，开展传销诈骗活动，还鼓动大家向朋友和其他商家推广，声称只要推广成功，就可以获得" 两层收益 "。

In the name of digital renminbi promotion, marketing fraud has also been promoted to friends and other businesses, claiming that " two tiers of proceeds " can be obtained if the promotion is successful.

注意：中国人民银行从未发行也未授权任何机构发行过任何形式的“数字货币”。

Note: The People's Bank of China has never issued or authorized any institution to issue any form of “digital currency”.