新版人民币已经落地，纸币会消失吗？苏州率先试行6年揭晓答案

Core Viewpoint - The emergence of digital RMB (DC/EP) is not intended to eliminate cash but to coexist with it, providing a more convenient and secure payment option while maintaining the traditional cash system [4][11]. Group 1: Digital RMB Overview - Digital RMB is an electronic form of legal currency issued by the central bank and operated by commercial banks, allowing citizens to use it through bank accounts or digital wallets [3]. - The pilot program for digital RMB began in 2020 in cities like Suzhou, integrating into daily life with various payment applications [4]. - As of August 2024, over 180 million personal wallets for digital RMB have been opened, with transaction counts exceeding 360 million and total transaction amounts surpassing 7.3 trillion RMB [4]. Group 2: Relationship Between Digital RMB and Cash - The central bank's goal for digital RMB is to replace M0, which refers to cash in circulation, but this does not imply the complete elimination of cash [4][8]. - Cash will remain necessary for individuals who do not have access to smartphones or digital payment methods, particularly the elderly and those in remote areas [5]. - Digital RMB is designed to enhance payment convenience and security without completely replacing cash, allowing for a diversified payment ecosystem [8][11]. Group 3: Global Context and Historical Perspective - Many countries are developing their own central bank digital currencies (CBDCs), such as the digital dollar in the US and the digital euro in Europe, with no intention of completely abolishing cash [8]. - The evolution of currency has historically involved transitional periods, and the gradual decline of cash is expected to be a long-term process rather than an immediate shift [9]. Group 4: Current Payment Landscape - In Suzhou, despite the widespread adoption of digital RMB, cash transactions remain common, especially in local markets and among older populations [7][11]. - The coexistence of digital RMB and cash is seen as a healthy transition, providing consumers with multiple payment options based on their preferences [11].