Kugwiritsa ntchito kwa digito RMB kukupitilizabe kulimbikitsidwa, ndipo maunyolo okhudzana ndi mafakitale akuyembekezeka kupitilizabe kupindula

CITIC Securities idatulutsa lipoti lofufuza kuti kukwezedwa kwa digito ya RMB ngati njira yolipira munthawi yachuma cha digito ndizomwe zimachitika.Kutengera mawonekedwe a RMB ya digito, zomwe ogwiritsa ntchito amalipira komanso njira zamsika zolipirira mafoni zitha kukumana ndi mwayi wokonzanso.Kutenga nawo gawo mwachangu kwa opanga osiyanasiyana kukuyembekezeka kubweretsa malingaliro ambiri pakukweza ndi kugwiritsa ntchito digito RMB.Digital RMB ili ndi luso logwiritsa ntchito malire, ndipo ikuyembekezeka kupitilira kuchokera ku malonda kupita kumalipiro amalire mtsogolomo, kuti alimbikitse mpikisano wapadziko lonse wa RMB kuphatikiza ndi mwayi woyamba wosuntha.Ndi kukwezedwa kosalekeza kwa ntchito ya digito ya RMB, maunyolo okhudzana ndi mafakitale akuyembekezeka kupitiliza kupindula.Alangizidwa kuti azisamalira opereka chithandizo okhudzana ndi kupanga Hard Wallet, kuthandizira kusintha kwa zida zosonkhanitsira & malo olandirira, kumanga mabanki azamalonda ndiukadaulo wachitetezo.

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Malingaliro akulu a CITIC Securities ndi awa:

Digital RMB e-cny: zopangira zolipirira munthawi yachuma cha digito, njira yolimbikitsira.

Ndalama ya digito yovomerezeka ndi njira yabwinoko yopititsira patsogolo ntchito, kuchepetsa ndalama zolipirira komanso kulimbikitsa kayendetsedwe ka boma.Pansi pa machitidwe angapo alamulo lachitukuko chandalama, kusintha kwa malo olipira komanso kukweza kwaukadaulo wa digito, ndalama zama digito zovomerezeka zikuyembekezeka kukhala njira yolipirira munthawi yachuma cha digito komanso momwe kukwezeleredwa.Ndalama ya digito yoperekedwa ndi Central Bank of China imatchedwa e-cny.Imayikidwa ngati njira yolipirira malonda mu nthawi yachuma cha digito.Imayendetsedwa ndi mabungwe ogwira ntchito omwe adasankhidwa.Kutengera ndi kachitidwe kaakaunti wamba, imathandizira ntchito yolumikizirana yamaakaunti aku banki.Ndilofanana ndi RMB yakuthupi ndipo ili ndi mawonekedwe ofunikira komanso chipukuta misozi.Pakadali pano, woyendetsa ma e-cny akupita patsogolo pang'onopang'ono, ndipo kutchuka kwake ndikugwiritsa ntchito kwake kudzakulitsidwa mu 2021.

Operation & Technology System: kasamalidwe kapakati, kamangidwe ka magawo awiri, mawonekedwe asanu ndi awiri + malo osakanizidwa otseguka ogwiritsira ntchito.

E-cny imayikidwa m'malo mwa ndalama zomwe zimagulitsidwa (M0), zomwe zimaphatikiza ubwino wa ndalama ndi kulipira pakompyuta.Kupitilira apo, imatenga kasamalidwe kapakati komanso magawo awiri ogwiritsira ntchito gawo loperekera komanso kusanjikiza kozungulira.E-cny ili ndi mawonekedwe asanu ndi awiri ogwiritsira ntchito: zonse za akaunti ndi mtengo, palibe kuwerengera chiwongoladzanja ndi malipiro, mtengo wotsika, malipiro ndi kuthetsa, kusadziwika kodziwika, chitetezo ndi dongosolo.Digital RMB siyimakhazikitsa njira yaukadaulo ndipo imathandizira kamangidwe kaukadaulo wosakanizidwa, zomwe zikutanthauza kuti zochitika zambiri zaukadaulo zikuyembekezeka kubadwa mozungulira mawonekedwe aukadaulo a e-cny, omwe akuyembekezeka kubweretsa mitundu yatsopano yamabizinesi ndi mwayi wamsika.

Positioning evolution: ikuyembekezeka kufalikira kuchokera kumalonda kupita kumalipiro odutsa malire, kupititsa patsogolo magwiridwe antchito am'malire ndikulimbikitsa kugwirizanitsa kwa RMB.

Pakadali pano, njira yolipira mwachangu, komanso njira yolipirira yodutsa malire yaku China ya CIPS komanso njira yamakono yolipira yaku China CNAPS, ndi njira yolipirira yodutsa malire ku China, yomwenso ndi muyezo wapadziko lonse lapansi wotumizira mauthenga azachuma.Banki Yaikulu ya ku China ndi yomwe imatsogolera pakulimbikitsa ndalama za digito pakati pa mayiko akuluakulu azachuma padziko lonse lapansi.Kuphatikizika kwake kwamaakaunti aku banki ndi mawonekedwe amalipiro monga kubweza kungathandize kuti RMB yolipira malire achepetse kudalira kwake pamakina ofulumira komanso kuwongolera bwino pakukhazikitsa malire.Kuphatikizidwa ndi mwayi woyamba wosuntha, zikuyembekezeka kulimbikitsa mpikisano wapadziko lonse wandalama za anthu.Malinga ndi pepala loyera pa kafukufuku ndi chitukuko cha RMB ya digito yaku China yoperekedwa ndi banki yayikulu, digito ya RMB ili ndi luso logwiritsa ntchito malire, koma pakadali pano imagwiritsidwa ntchito kwambiri kukwaniritsa zosowa zamalipiro apakhomo.Pakalipano, kuyesa kwa kafukufuku ndi chitukuko cha zochitika za malipiro odutsa malire zikupita patsogolo mwadongosolo.

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Zizolowezi za ogwiritsa ntchito, mawonekedwe amsika kapena kukonzanso nkhope, komanso kuthekera kwamabizinesi pazogwiritsa ntchito ndizokulirapo.

1) Chikwama Chofewa: Ogwiritsa ntchito pulogalamu ya digito ya RMB ndi osiyanasiyana, mawonekedwe ogwiritsira ntchito chikwama chofewa amalemeretsedwa nthawi zonse, ndipo zomwe zimagwiritsidwa ntchito zimayandikira pang'onopang'ono zida zolipirira zamakono.Monga khomo lolowera malipiro, lingathandize mabanki azamalonda kukulitsa gawo la msika wamalipiro ogulitsa, ndipo mabanki azamalonda akuyembekezekanso kulimbikitsa mautumiki owonjezera panjira yolipira ya digito ya RMB.

2) Chikwama Cholimba: Hard Wallet imazindikira ntchito zokhudzana ndi digito za RMB kutengera chip chitetezo ndi matekinoloje ena.CITIC Securities imakhulupirira kuti pali mwayi wokonzanso zomwe ogwiritsa ntchito amagwiritsa ntchito komanso mtundu wa msika wolipira m'manja mumitundu ina yachikwama cholimba, monga makhadi, zotengera zam'manja ndi zida zovala kulowa kwa magalimoto ndi zochitika zogwirira ntchito.Kutenga nawo mbali mwachangu kwa opanga osiyanasiyana kudzabweretsa malingaliro ambiri pakukweza ndi kugwiritsa ntchito digito RMB.

3) Masewera a Olimpiki Ozizira akhala njira yofunika kwambiri yotsatsira ma e-cny, ndipo mapulogalamu otengera zochitika akuyembekezeka kupitiliza kukula mtsogolomo.

Zowopsa: kukwezedwa kwa ndondomeko ya digito ya RMB kumachedwa kuposa momwe amayembekezera, ndipo zomangamanga zapaintaneti ndizochepa kuposa momwe amayembekezera.


Nthawi yotumiza: Mar-14-2022