Core Insights - The article emphasizes the need for targeted strategies to enhance the operational development of digital currency merchants, despite the growing transaction scale of digital RMB [1] Group 1: Current Challenges - The acceptance of digital RMB among small and micro merchants remains low, primarily concentrated in retail and catering sectors, lacking diverse payment scenarios such as healthcare, education, and tourism [1] - Online penetration of digital RMB is significantly low, with most promotional activities focusing on short-term consumption incentives rather than sustainable engagement [1] Group 2: Recommendations for Development - Clear objectives should be established to enhance merchants' total volume, flow, and quality, focusing on improving service models and transitioning from offline to online operations [1] - Continuous optimization of application scenarios is necessary, targeting high-frequency daily use areas such as supermarkets, hospitals, schools, and transportation facilities to achieve comprehensive coverage [2] Group 3: Addressing Specific Issues - To tackle the issue of low coverage and online penetration, policies should incentivize high-frequency scenarios like supermarkets and public transport, promoting a "small amount, high frequency" model [3] - Building an integrated online ecosystem by collaborating with major e-commerce platforms and linking digital RMB payments with credit and loyalty programs can enhance user engagement and reduce marketing costs [3] - Innovating asset rights systems by incorporating digital RMB wallet balances into asset management calculations can upgrade wallets from mere payment tools to asset accounts, increasing customer retention [3] Group 4: Merchant Incentives - Implementing cash rewards based on transaction metrics can motivate merchants to adopt digital RMB, with a tiered reward system designed for varying levels of transaction performance [4] - Providing credit support tailored to merchants' needs, utilizing data analytics for risk assessment, can encourage the use of digital RMB wallets while simultaneously promoting traditional credit services [4] - Setting up fee reductions and value-added benefits based on merchants' digital RMB transactions can further incentivize adoption [5] Group 5: Internal Motivation - Sufficient resources should be allocated to digital RMB initiatives, enhancing employee performance incentives to foster internal motivation for promoting digital currency business [7]
建行盐城分行：关于提升数币商户服务成效的路径分析——以盐城分行为例