"Since Zhaohui gave us such a wonderful report, I think everyone's thoughts should be unified. Comrades, are there any different opinions? Premier Rong asked.

"Prime Minister, we have no opinion, let's start discussing the second issue." Other leaders at the meeting said.

"Okay, let's move on to digital currencies. Everyone should speak enthusiastically, and the more they argue, the clearer it will be. "Premier Rong made a small mobilization for everyone.

"I think the most important thing about the digital currency launched for e-commerce this time is to create a simple and convenient payment method for consumers. After all, when consumers sit in front of the computer to buy things and make payments, first, physical currency cannot be used, and second, there is no machinery and equipment for credit card swiping. There's only one way to do that, and that's by using the digital currency that the network supports. The governor of the central bank said.

"From the principle of payment, there are no financial policy and theoretical barriers to the development of digital currency, and there are not even technical barriers. But there's one, I think, the biggest problem. It's about payment security. President Gong of China Commercial Bank said.

"We can develop a small device with real-time dynamic authentication, such as a USB flash drive. When users need to make online payments after shopping, they can plug this small device into the USB port of the computer for dynamic authentication. After the authentication is passed, the payment will be made. President Pan of Huanong Bank said.

Everyone is making suggestions for the improvement and operability of digital currency.

Zhaohui saw that everyone was almost finished, and he began to speak.

"Thank you very much for your good comments and suggestions on digital currency. I would also like to talk about my understanding and views on digital currencies. ”

"I thought, can we first raise the height of the problem on the basis of digital currency? Let's first talk about the issuer of digital currency. ”

"It stands to reason that all the currencies of the Dragon Kingdom are issued by the central bank. State-owned banks and commercial banks carry out currency storage and housing loans under the central bank's unified management and distribution of money. This time, I propose that state-owned banks and commercial banks jointly set up an online bank. ”

"The equity ratio of Internet banks is distributed according to the proportion of capital contribution of major banks. In other words, the operation and management of digital currencies are entrusted to this specialized online bank. ”

The user's account in online banking is then linked to the user's bank card in each bank. The funds in the bank card can be transferred to the online bank account, and the digital currency can be generated according to the ratio of 1:1, and the digital currency can also be transferred to the bank card account and exchanged for cash, and the exchange ratio is still according to the ratio of 1:1. ”

"On the security measures, I would like to add one more point. When digital currencies are used on e-commerce platforms, virtual banks are treated according to the principle that users confirm payments. ”

"I'll give you an example. For example, user A buys product C from merchant B. A pays B C's shopping digital currency D. Digital currency D, before the user receives the confirmation of product C, digital currency D is regulated by the platform. Only when A confirms receipt of C goods and is satisfied, D digital currency will be transferred to B's account. Otherwise, the funds of D will be returned to account A in the same way. ”

Zhaohui looked at the leaders attending the meeting. He noticed that the leaders were nodding their heads, so he continued.

"I'm talking about the first phase of digital currency. When we run after a period of time. We can further increase the use of digital currencies. It can be used in a variety of fields. In the future, the application scenarios for people to use the Internet will become larger and larger. The Internet will penetrate and cover many areas. Eventually, digital currencies will become the mainstream payment mode for people. ”

"The large number of applications of digital currencies allows us to eliminate the problem of counterfeit money. It can also improve the efficiency of payments, for example, by reducing the waiting time for queued payments. It can also make the circulation of funds more transparent, and to a certain extent, it can crack down on money laundering, bribery and other criminal acts. ”

"In turn, digital currencies will better promote the development of e-commerce. I believe that in the near future, China's digital currency payment will lead the trend of world financial development. The advantages go far beyond payment methods such as credit cards. ”

"The digitization of money will be the development trend of finance in the future. It is also a consumption habit of people. We can also form a kind of consumption big data through the tracking of digital currency consumption data, and track and analyze people's consumption preferences and the number of goods consumed. This kind of consumption big data will be an important basis for us to guide production and predict the direction of consumption. ”

"Technology leads the future, and we are the first to set sail in the field of digital currency!"

There was another long applause in the conference room. It seems to be an innovation in the form of financial payment, and the information and meaning contained in it were explained by Zhaohui, which made everyone feel that it was of far-reaching significance.

It is a payment innovation for consumers and merchants, making payment more convenient, safer and less troublesome. For the financial industry, it is a revolution and an upgrade. It is a milestone for social development.

The seminar was a great success. The Council requires three months of preparation. Three months later, digital currencies and online banks will be introduced to the market. First of all, test the waters in the field of e-commerce.

September 2003 Golden Autumn. In the north and south of the dragon country, the e-commerce promotion month activities were grandly held.

Commercial shops in more than 370 cities across the country have launched zero-rent activities for merchants. There are two conditions that need to be met by merchants participating in the Zero Rent campaign.

First of all, offline merchants open online stores on the "Xuanbao" online shopping platform at the same time, and the products in the online store and the goods in the physical store remain at the same price. Secondly, according to the usable area and location of the shop, the monthly sales are committed. No rent shall be paid for business transactions greater than or equal to the regulations. On the contrary, it will be cleared and replaced with a powerful merchant to participate in the operation.

"You won't have to pay rent from this month, have you heard?"

"What do I hear, I've already handled it, you buy children's clothes, go to the "Xuanbao" platform to place an order in my online store. ”

In just one month, more than 24 million offline merchants across the country have opened online stores on the Xuanbao platform.

If you want to say that the busiest person in these months, it must be Liu Jingdong. His Dijing logistics company is rapidly landing in 370 cities across the country. Each city has to establish a warehouse for goods. Purchase logistics and distribution vehicles and recruit courier brothers. Liu Jingdong is a dog born in 1970 and just turned 33 years old this year. He found someone to design a "Want Want Dog" for his logistics company as the company's mascot.

The reason why it is called Wangwang is to hope that the cause will be prosperous and the country will prosper. There is also the fact that he hopes that his little family will prosper. Since the implementation of the Da Mao Agricultural Project in the Dragon Kingdom, the population pressure in the Dragon Kingdom has disappeared, and the family planning policy in the Dragon Kingdom has also come to an end. At present, the state encourages healthy births, more births, and reserves demographic dividend resources for the country.

Dadongzi, who came out of the countryside, recruited couriers this time, mainly for the children of farmers. The slogan he shouted was: "Help millions of peasant children to get into the city!" ”

Due to the establishment of commodity goods in various cities across the country. The speed of logistics has allowed Dadongzi to play to the extreme. What "next-day delivery", "today", "hourly arrival", "minute arrival", let consumers truly appreciate the charm of e-commerce.

"Han Hong, when will the dress you ordered yesterday arrive?"

"It's been delivered to our company's front desk at noon today, I have signed for it, and I can wear it for a date in the evening."

"My God, why is Dijing Logistics so fast?"

"This is still fast, today our financial accountant Wang has a birthday, and the order placed by the union in the morning will be delivered at one o'clock. This is the time that Imperial Logistics has launched. ”

"I heard that if you buy medicine, Dijing Logistics will deliver it within 30 minutes, saying that it will arrive in minutes."

"Dijing logistics is really good, I will experience it next time."

Whether it is the "Xuanbao" online shopping platform or the "Dijing" express, everyone is hotly discussed. The "worry-free payment" launched by the national digital currency platform also brings people the ultimate experience.

"The "worry-free payment" that the bank has launched now, to be honest, really worry-free. Unlike a credit card, you have to carry a card with you, and you have to use the POS machine to swipe and sign. Pay without worry, enter a password and it's OK. ”

"This month, I've paid several times with peace of mind. Simplicity is king. ”

"There's another bonus. If you are not satisfied with what you bought, the funds can be recovered. ”

During this time, reviews like this abound. Word-of-mouth is the fastest spread, word-of-mouth is also the most convincing spread, in just one month, "Xuanbao" online shopping platform, "Dijing" express, "worry-free" payment platform, has been deeply implanted in the hearts of the people.

The emergence of e-commerce has played a great role in promoting the domestic demand market of Longguo. By the end of December 2003, the National Bureau of Statistics had released a set of data. Since September 2009, e-commerce has been officially launched. From September to December, the national household consumption for four months maintained a month-on-month growth rate of more than 30% every month.

Newly registered start-ups across the country are mushrooming like mushrooms, with more than 100,000 new small and micro start-ups added every month.

2003 is also known as the first year of e-commerce in the Dragon Kingdom.

At a time when the national media are writing about e-commerce, General Zhaohui once again shouldered the national mission and embarked on a new journey.