数字人民币的特性

Group 1 - Digital Renminbi is a digital form of legal currency issued by the People's Bank of China, operated by designated institutions, based on a broad account system, supporting loosely coupled bank account functions, and is equivalent to physical Renminbi with value characteristics and legal tender status [3] - In the era of digital Renminbi, it is considered "money," and once fully promoted, no merchant can refuse to accept it, and it can be used without internet access, with no service fees for exchanging paper currency [5] - The issuance cost of digital Renminbi is reduced as it does not require printing paper, ink, or printing machines, and it eliminates the high costs associated with recovering worn-out physical currency [7] Group 2 - Each electronic Renminbi transaction is recorded, which significantly aids in combating illegal activities [9] - Currently, digital Renminbi has established a coverage model in various fields including wholesale and retail, catering, education and healthcare, public services, social governance, rural revitalization, and cross-border settlement, featuring a replicable application model that combines both account and blockchain systems, hardware and software wallet compatibility, and universal mixed currency capabilities for online, offline, and offline payments [12]