[自贸港英语]数字人民币测试 海南积极争取试点

数字人民币将不会使用区块链技术,无需银行即可验证交易

背景新闻:10月8日晚,深圳市互联网信息办公室官方微博发布消息称,为推进粤港澳大湾区建设,结合本地促消费政策,深圳市人民政府近期联合人民银行开展了数字人民币红包试点。海南监管方也强调将积极争取法定数字货币试点在海南自由贸易港跨境贸易、跨境投融资和穿透式监管中的应用。

China on Sunday concluded its largest pilot project to date for a central bank-backed digital yuan, with analysts saying the trial extended its lead in the global race to develop a central bank digital currency (CBDC).

中国周日结束了迄今为止最大的试点项目,即由央行支持的数字人民币,分析人士称,该试验扩大了其在开发央行数字货币(CBDC)的全球竞赛中的领先地位。

to date:迄今为止

digital yuan:数字人民

Under the trial programme, the central bank distributed "red envelopes" - a reference to China's traditional way of gifting cash - in the form of online wallets containing 200 digital yuan ($29.75) each to 50,000 randomly selected consumers. Lifestyle apps including ride hailer Didi Chuxing and food delivery company Meituan Dianping have also been involved in the trials.

根据该试验计划,中央银行以在线钱包的形式向每个随机选择的50,000名消费者分发了200个数字元(29.75美元)的“红色信封”,这是对中国传统的现金赠送方式的引用。包括叫车服务商滴滴出行和食品配送公司美团点评等生活方式应用程序也参与了试验。

red envelopes:红包

From a user perspective, it is rather like China's existing commercial digital payment methods, like Alipay and We Chat Pay: users download digital wallets in which they can store their funds, and which generate a QR code that can be scanned by payment terminals in shops.

从用户的角度来看,它就像中国现有的商业数字支付方式,例如支付宝和We Chat Pay:用户下载数字钱包,他们可以在其中存储资金,并生成可以由商店中的支付终端扫描的QR码 。

The system is more complicated than that, however. The digital yuan is designed to replace cash in circulation, such as coins and bank notes, not money deposited long-term in bank accounts.

但是,该系统要复杂得多。数字人民币旨在代替硬币和钞票等流通现金,而不是长期存放在银行帐户中的货币。

circulation:流通

Unlike cryptocurrencies like bitcoin, the digital yuan will not use blockchain, distributed ledger technology which allows transactions to be validated without the need for banks.

与比特币等加密货币不同,数字人民币将不会使用区块链,这种分布式分类帐技术,从而无需银行即可验证交易。

cryptocurrency:加密货币

ledger:分布式总账

China has a long-standing aim of internationalising its currency, and in time, the digital yuan may help with this initiative, making it easier to encourage users in other countries to use the yuan.

中国的长期国际化目标是货币,随着时间的流逝,数字人民币可以帮助实现这一计划,从而更容易鼓励其他国家的用户使用人民币。

Ref:
https://www.nasdaq.com/articles/explainer-how-does-chinas-digital-yuan-work-2020-10-19

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