本文译自Youtube，原标题：Shenzhen launches digital RMB pilot program
Paper money was born in China and ended in Chinaso there I will have problems; how I will do if I still have dollars@martin belfort Any business that refuse to accept cash payments is illegal in China.
@martin 在中国，任何拒绝接受现金支付的企业都是非法的。China is way way ahead on technology and made US look primitiveThis could be a major blow to USA in the years to come, if this digital money, backed by the central banks of the major economies of the world takes hold, USA won't be able to weaponized the dollar through SWIFT, worse still, nobody would want the dollar as the international reserve currency. Imagine USA without the ability to print money like there's no tomorrow, how would they finance their budget deficits, how to pay for its expensive military, how to finance it's huge national debt, how to pay for imports? One can only guess
这可能是未来几年对美国的一个重大打击，如果这个数字货币在世界主要经济体的中央银行的支持下站稳脚跟，美国将无法通过SWIFT（环球同业银行金融电讯协会）将美元武器化，更糟糕的是，没有人会希望美元成为国际储备货币。试想一下，如果美国没有印钞的能力，就像没有明天一样，他们将如何为其预算赤字融资，如何为其昂贵的军费买单，如何为巨额国债融资，如何为进口买单？人们只能猜测。Hopefully, it won't take us 20 - 30 years to catch up in the West. As I see it, we intentionally steer away from new and innovative Chinese technology saying that it's a risk to our national security and then many years later(or decades) we copy it and pretend that it was ours from the beginning.
希望在西方我们不需要20-30年的时间来追赶。在我看来，我们有意避开中国的新技术和创新，说这对我们的国家安全是一种威胁，然后多年后（或几十年）我们会照搬它，并从一开始就假装它是我们的。China is the only cyber-sovereign country in the world having an independent intranet, satellites, and now public-fund digital currency. Go on China and let the West continues its falling.
中国是世界上唯一拥有独立内联网、卫星和数字货币的网络主权国家。Visionary authoritarianism has its benefits.China has started a new chapter of digital currency. This is the weapon to kill bribery, money laundering and ill-gotten gains. If it incidentally kills the credit card and its charges so be it.
中国开启了数字货币的新篇章。这是消灭贿赂、洗钱和不义之财的武器。如果它意外地杀死了信用卡及其手续费，那就随它去吧。These kind of things drive the western crazy because they cannot allow the value to be “stolen” by the Chinese. They don’t understand why the Chinese can get wealthy. The west and Japan gets wealthy by colonism and wars.
这类事情让西方疯狂，因为他们不能允许价值被中国人“偷走”，他们不明白中国人为什么能发财。西方和日本都是通过殖民主义和战争致富的。Many parts of India are still using 3G and we Indians consider ourselves as one of the world's high tech superpowers especially with software
印度的许多地区仍在使用3G网络，但我们印度人认为自己是世界上的高科技超级大国之一，尤其是在软件方面。This might look like a convenient way of financial transactions but in reality, it could topple an empire which is dependent on printing money
这看起来像是一种方便的金融交易方式，但实际上，它可能会推翻一个依赖印刷货币的帝国。This digital currency acts only partially of China's new fiscal policy, and it weights 2% of M2 and it will remain under 5% in the next 3 five-years-plan period as they announced in 2019. The Chinese are extremely practical with their future plans, I wouldnt worry so much myself but only time could tell, and it usually wouldn't be long to once the Chinese have set their mind to it.
这一数字货币只是中国新财政政策的一部分，它占M2的2%，在2019年宣布的未来3个五年计划期间，它将保持在5%以下。中国人对未来的计划非常实际，我自己也不担心，但只有时间可以证明，而且一旦中国人下定决心，通常不会需要很长时间。This digital RMB is basically government's official cashless payment. They now do not want the cashless payment systems to be in the hand of the private companies aka WeChat and Alipay.In case people don't know. Cashless is driven by situation, what situation? Trust issue. Government does not trust companies (for their tax reports and their dealings), companies do not trust employees (in handling money), employees do not trust customers (fake cash) and security, customers do not trust cash (fake) and security. Cashless is much more traceable than cash.
这种数字人民币基本上是ZF的官方无现金支付方式，他们现在不希望无现金支付系统掌握在私营企业微信和支付宝手中。以防人们不知道，我简要解释一下。无现金是形势所迫，为什么？因为信任问题。ZF不信任公司（因为他们的税务报告和他们的交易），公司不信任员工（他们在处理钱的问题），员工不信任客户（假钞）和安全问题，客户不信任现金（假钞）和安全问题。而且无现金交易比现金交易更容易追踪。e-RMB is digital money. WeChat & others are payment gateway. Basically 2 different things.
数字人民币是数字货币，微信等是支付网关，这基本上是两种不同的东西。@十王药含 Yes, it is technically different but what they does are not that much different. Digital wallet and payment gateway are both cashless solutions.Also, digital wallet is not new, it is inspired off blockchain. However, unlike blockchain, it serve the traditional finance system. It inspire to act like a blockchain, to have offline capability but well, if you look up blockchain, even offline capability isn't without real life problem and that problem is called "scam". You could scam purchases off several offline shops within hours reach, or minutes reach.
@十王药含 数字钱包和支付网关都是无现金解决方案。此外，数字钱包并不是什么新鲜事，它的灵感来源于区块链。然而，与区块链不同，它服务于传统金融系统。它激发了人们像区块链一样的行为，拥有离线支付能力。但是，如果你了解区块链，就会知道即使是离线功能在现实生活中也不是没有问题，这个问题被称为“骗局”。你可以在几小时内或几分钟内骗取几家线下商店的商品。This is brilliant. Can't wait to use digital Yuan in Indonesia one day soonest. No bank account is needed. No need to write my cashbook at month or year end, it's all in the built-in ledger. The future has arrived. �
这太棒了，迫不及待的想尽快在印尼使用数字人民币。不需要银行账户，不用在月底或年末写我的现金簿，都在内置的账本里。未来已经到来了。�I can't wait to use this when I visit China in the future.I don't know if the digital cash account is open to foreigners. Up to now, even our own citizens can only experience digital cash in some pilot cities.But it doesn't matter, for our ordinary people, Alipay & WeChat are as convenient as digital cash payment.This is more like a reform and supplement on the form of currency, which will not directly affect the lives of ordinary people.
我不知道数字现金账户是否对外国人开放。到目前为止，即使是我国公民也只能在一些试点城市体验数字现金。但没关系，对于我们普通人来说，支付宝和微信就像数字现金一样方便付款。这个更像是对货币形式的一种改革和补充，不会直接影响老百姓的生活。@Bingxin Shen one benefit of digital yuan is the no need for opening a bank account in China. Therefore foreigners can use it. It's like paper money but digital. Meaning the money doesn't need internet to validate the transaction.
@Bingxin 数字人民币的一个好处是不需要在中国开设银行账户，因此外国人可以使用它。它就像纸币，但是是以数字货币的形式运行，这意味着这笔钱不需要互联网来验证交易。@Bingxin Shen China's actions moves with sense of urgency, not like the mouths of Western countries. By the time China allows foreigners back into their country I'm sure digital currency will have been widely adopted already. They're not the fastest developing nation in human history for no reason.
@Bingxin Shen 中国的行动带有紧迫感，不像西方国家只会动嘴。当中国允许外国人进入中国时，我相信数字货币已经被广泛采用。他们没有理由不是人类历史上发展最快的国家。@The Wishmaster It's digital money, not tangible money in your hands. I'm assuming you just buy another phone and log into your account. Boom, bang, pow and your money is right back in your phone. Surely, if someone robbed you of your phone right this second, you wouldn't think that all of your investments and bank accounts would be stolen just because you use online banking and an online brokerage. That's assuming you've used them before.
@The Wishmaster 这是数字货币，不是你手中的实物货币。我想你只要再买一部手机，然后登录你的账户。砰，砰，砰，你的钱就在你的手机里啦。当然，如果有人抢了你的手机，假设你以前用过类似的系统，你也不会以为你所有的投资和银行账户都会因为你使用网上银行和网上交易而被盗。The most importantly, it is nice to see the Chinese are happy making progress leaving haters behind who do only try to spread instability.Bravo China. All the best to Chinese people.
最重要的是，看到中国人高兴地取得进展，把那些只想散布不稳定的仇恨者甩在身后，这是件好事。Hope the HK border will open sooner. I am sticking in HK for almost a year nowIt will be close till next year summer. Trust me on this.it was the HK protesters crying for closing the border and wind up the mainland side doesn't want to open it
当时是HK抗议者要求关闭边境，结果现在大陆方面不想开放边境。Is this some kind of ledger technology just like bitcoin? It says you don't need wifi so you have to have a copy of the ledger somewhere in your device that matches all of those throughout the world.
就像比特币一样？它说你不需要wifi，所以你必须在你的设备中的某个地方有一份与世界上所有这些相匹配的账本副本。I use money transfer apps like wechat and alipay. They're super convenient! I so often go cashless whenever I go out, small street vendors even accept digital pay. You just need to scan their qr code and it's amazing. Been in china for 5 years for my studies:)
我使用微信和支付宝等转账应用，它们非常方便！我经常无现金外出，街头小贩甚至都接受电子支付，你只需要扫描他们的二维码就可以了。我在中国学习5年了：）Cute and Funny Earthlingsdigital RMB will be alternative to the petrodollar and countries that have been sanctioned and tariffed by united snakes like iran, venezueala, nk will beable to use it in the future, aint that great
数字人民币将成为石油美元的替代品，而那些像伊朗、委内瑞拉、北朝鲜等受到联合国制裁和美国制裁的国家将来也能使用它，不是很好吗？China must start to sell globally in Yuan besides the dollar and later drop the dollar. Do it now before it is too late. get the world govts to open a Yuan Account besides using SWIFT
中国必须开始在全球范围内以人民币计价，然后再抛售美元，趁现在还来得及做。让世界各国ZF在使用SWIFT的同时开设人民币账户。Seems the government give out the digital money to customers as well as its equipment to stores for free for testing purposes! Only in socialism with Chinese characteristics!
似乎ZF把数字货币和设备免费赠送给消费者，并免费提供给商店进行测试！只有中国特色社H主义才能做到！ What sets e-CNY apart from Tenpay and Alipay is the Internet-free access.It really opens up a whole new world for rural population, and ability to roll out to any corner of the world.Can’t wait to have it here in Singapore!
数字人民币与财付通和支付宝的区别在于互联网的免费接入。它真的为农村人口打开了一个全新的世界，并有能力扩展到世界的任何角落。I'd not hold too much money in this digital wallet as it has no interest. I'd hold less than 5,000 yun RMB daily. my question: if one to visit China, can one make foreign currency exchange to have China's digital money before go to China so one no need to find out foreign currency exchange services when arrive China ?
我不想在这个电子钱包里放太多钱，因为它没有利息。我每天放在里面的钱不会超过5000元。我的问题是：如果一个人去中国旅游，在去中国之前，可以用外币兑换中国的数字货币吗？这样一来，是不是到了中国就不用再去了解外币兑换服务了？DIgital RMB is a great development b/c of the US gov't flagrantly endangering the assets of citizens and investors through continued misuse of the dollar as a reserve currency.��RMB will provide much needed stability for the world.�
数字人民币是针对美国ZF的一个重大发展，因为它通过继续滥用美元作为储备货币，公然危及公民和投资者的资产。��人民币将为世界提供急需的稳定性。�China is in another level. It is unstopable economically technologically and socially US and thé west cannot do anything about it not unless Trumpeo bombs them. Especially now they will get indpendent from Fiat dollar
中国处于另一个层次。它在经济、技术和社会发展上都是不可阻挡的，除非特朗·佩奥轰炸他们，否则美国和西方对此无能为力。Glad to see digital currency era and hope for it success, but on daily life we still must preserve physical currency use, because digital currency has no physical form, so we should using digital currency and physical currency.
很高兴看到数字货币时代的到来并希望它能成功，但在日常生活中我们仍然要保留实物货币的使用，因为数字货币没有实物形态，所以我们应该同时使用数字货币和实物货币。China is now developing a new kind of smart vending machine with face recognition payment technology. So in the future, people will not even need their smartphones. Simply showing their face is enough.
中国目前正在开发一种新型的智能自动售货机，采用人脸识别支付技术。所以在未来，人们甚至不需要智能手机，只要露出他们的脸就够了。Admirable indeed. This willingness to push technology for streamlining & greater accessibility is what makes China rise regardless of what others say. While we are having political issues between China & my country, that doesn't stop me from admiring whatever good that China is doing for its people.This essentially delineates China from the SWIFT system, brings greater internal fiscal transparency from a tax point of view & also sounds the death knell on counterfeit currency & funding for cross-border terrorism.I hope to see digital Rupee soon in India which would bring great benefits for the common people.