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Bheka! Dala isevisi entsha yokukhokha "iwindi elisha" lokushintshaniswa kwemali yedijithali ye-RMB yamazwe ngamazwe?

April 01, 2024

Ukuze kuqhutshekwe nokwandisa indawo yokukhokha futhi kuhlangatshezwane nezidingo zemakethe ukuze kube lula ukukhokha. Ngaphansi kokuqondisa kwe-People's Bank of China kanye Nokuphathwa Kwezimali Zangaphandle, imishini yokushintshanisa imali yokuzisiza isetshenziswe ngokukhethekile, enganikeza izinsizakalo zezilimi ezingu-8 kanye nokuhwebelana kwezimali zakwamanye amazwe oku-8 okujwayelekile. Udinga kuphela ukuhambisa iminwe yakho bese ulandela iziyalezo zesistimu ukuze uqedele imisebenzi elula, kungabi ngaphezu kokuthi Ungakwazi ukushintshanisa imali ye-RMB oyidingayo ngemizuzu emithathu.


Ngokuthuthukiswa komsebenzi we-digital renminbi, abangani bamazwe ngamazwe banezinketho eziningi zamashaneli asetshenziswayo. Umshini wokushintshanisa imali wangaphandle wedijithali we-RMB wamukela izimali zakwamanye amazwe eziyi-18 ezifana namadola ase-US, amadola ase-Hong Kong, i-yen yaseJapane, kanye newini yaseKorea, enenani eliyingqikithi lezinhlobo ezingu-169 zamanothi emali yangaphandle emahlelweni.

Yebo, i-RMB yedijithali ingasetshenziswa ezimeni eziningi esikhathini esizayo. "Lona umqondo wesakhamuzi saseBeijing lapho i-renminbi yedijithali" imvilophu ebomvu "(Imvilophu ebomvu, iphakethe elibomvu, i-hongbao noma i-ang pau iyisipho semali) yalingwa eminyakeni eminingi edlule: Kufana nokuguqula ukuhwebelana kwamanye amazwe ngokusebenzisa. imvilophu ebonakalayo. ~! Kwakuwumbono nje ngaleso sikhathi, kodwa manje isimo sokusetshenziswa kwe-digital renminbi sesifezekile. Ngokwesethulo, ifomu lokuguqula eliyinhloko ligcina liwubona lo msebenzi ngokusebenzisa "isikhwama semali esithambile" kanye "ne-hard wallet" . I-wallet ethambile isho isevisi ye-wallet ehlinzekwa ngokusekela izinhlelo zokusebenza ezihlakaniphile. Ingaqondwa njengesikhwama sesofthiwe futhi ikhona ngendlela yohlelo Lokusebenza. Izikhwama eziqinile zisho imidiya ebonakalayo egcina i-renminbi yedijithali evulwa ngokubala noma amashaneli kagesi, njenge-IC. amakhadi, amatheminali aphathwayo, izinto ezigqokwayo, i-Inthanethi Yezinto, njll. Imisebenzi ethile yalo mshini wokushintshanisa ngobuhlakani yilena: 1. Shintshanisa ukheshi ngemali yangaphandle ngokheshi we-RMB, 2. Ukushintshanisa ngemali yangaphandle ukheshi nge-hard wallet yedijithali ye-RMB, 3. Shaja kabusha ukheshi lwemali yangaphandle ye-hard wallet yedijithali ye-RMB, 4. Buza ngebhalansi nemininingwane yokwenziwe ye-hard wallet yedijithali ye-RMB neminye imisebenzi emine.


Ngesikhathi esifanayo, ingashintshanisa ukheshi ngezinhlobo zemali ezingama-20 njengamadola ase-US nama-euro, isekela imiyalo yesikrini nezwi ngezilimi eziyi-8 ezihlanganisa isiShayina, isiNgisi, isiFulentshi, isiJapane, isiJalimane, isiNtaliyane, isiKorea nesiRashiya, futhi isekela amakhadi omazisi, amaphasipoti. , i-Hong Kong ne-Macao idlula, njll. Izinhlobo ezingu-8 zokucubungula isitifiketi.

Ngokusho komuntu ophethe ibhange, njengengxenye yezinsizakalo zezezimali zamazwe ngamazwe, ama-ATM aqaliswe ngaleli phuzu lesevisi yezezimali angakwazi ukuhlangabezana ngokugcwele nezinsizakalo zokukhipha imali ze-RMB zamakhadi amakhulu ngamazwe afana ne-Visa ne-MasterCard.

Ngaphezu kokweseka ukuhoxiswa kwemali kwe-RMB ezinhlotsheni ezijwayelekile zama-yuan angu-100, iphinde yathuthukiswa ngokukhethekile ukuze isekele ukukhishwa kwemali emasontweni amancane ama-yuan angu-10 ukuze kuthuthukiswe imisebenzi yokukhokha ye-ATM. Izindawo zesevisi yezezimali zizohlinzeka "Iziqondiso Zesevisi Yemali" kanye "Nezincwadi Zesevisi" nolunye ulwazi ngezilimi eziyisithupha, okuhlanganisa isiShayina, isiNgisi, isiFulentshi, isiRashiya, isiJapane neSpanishi, ukuze kube lula ukubonisana nokubuyekezwa kwamakhasimende. Ukwengeza, ukuze kuzuzwe uhla olugcwele lweziqinisekiso zesevisi yemali yemali yangaphandle, izitolo ezigcwele eziphethe amabhizinisi amaningi emali yangaphandle zingahlangabezana nezidingo zokukhokha ukheshi zabantu bangaphandle abeza eShayina.

Kubikwa ukuthi ngenxa yezindlela ezihlukene zokukhokha phakathi kweChina namazwe angaphandle, abanye abantu bakwamanye amazwe abafika eChina bake bazwakalisa ukuphazamiseka ekukhokheleni nsuku zonke, ikakhulukazi ukuhlala isikhathi esifushane njengokuhamba nokuvakashela. Abanawo amakhadi asebhange endawo futhi abajwayele ukusetshenziswa ku-inthanethi.

Kuze kube manje, "ngokwemikhuba yokukhokha yamaqembu ahlukene, xhumanisa imizamo yokuvula izithiyo ezikhona ezinsizakalweni zokukhokha, ukuvala ukuhlukaniswa kwedijithali, futhi silwele ukuthuthukisa uhlelo lwezinsizakalo zokukhokha ezisezingeni eliphezulu nezihlukene, ikakhulukazi asebekhulile, abokufika. e-China nakwamanye amaqembu ukuhlinzeka ngekhwalithi engcono, izinsizakalo zokukhokha ezisebenza kahle nezilula." Mayelana nalokhu, i-ICBC iwusebenzisa ngokugcwele umsebenzi wezezimali ogxile kwezombusazwe kanye nabantu, ithuthukisa ngamandla amazinga esevisi yokukhokha, isula amaphuzu aminyana okukhokha, ikhuthaze ukukhokhelwa kwabantu, inikeze intuthuko yekhwalithi ephezulu, futhi ikhuthaze ukuhwebelana okuvulelekile nezinga eliphezulu emhlabeni wangaphandle.



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