According to April 21 News, the fourth set of RMB has been circulating in the market for more than 30 years. On May 1 last year, some of the RMB bonds were withdrawn from circulation, and the centralized exchange will end on May 30 this month. What are the memories of the fourth set of RMB, which is about to say goodbye? Why does RMB need to be reformed?
Memories: when I was a child, a hundred yuan bill was like a local tyrant
The fourth set of RMB was issued from April 1987 to April 1997.
Wang Zirong, 65, a retired employee of Wuhan Hankou branch of industrial and Commercial Bank of China, clearly remembers the scene when the RMB was issued. 'it was 1987, the 15th year I worked in ICBC. At that time, the 50 yuan note appeared for the first time, causing colleagues to look at it curiously. The next year, 100 yuan bonds were issued one after another, and mixed with the third set of RMB in the market. '
The reporter learned that in order to adapt to the rapid growth of money circulation demand after the reform and opening up, the fourth set of RMB opened the era of 50 yuan and 100 yuan banknotes for the first time. However, at that time, most of the people's income was not high. Wang Zirong said that my daughter, who was born in 1986, had a salary of just over 50 yuan and an income of 100 yuan. She was already enviable for her high salary. When people go to the bank to deposit money, they usually deposit dozens of yuan in a lump sum.
Consumption also looks pretty cheap today. 'I gave birth to my daughter at public expense. It only cost 20 yuan. "Wang Zirong said with a smile:" take the children out for a few yuan to play for a day. '
Wang Zirong, who has dealt with the third, fourth and fifth sets of RMB in the bank, has now become a coin collector. "From the Soviet version to the latest fifth set, he has basically collected all the coins. 'she said.
When Wang Xiaolin, born in the 1980s, saw the fourth set of RMB bills on his mobile phone, he said, "seeing this set of RMB again, I feel like I'm back in my childhood. Holding a dime or two, I went to the counter about my height to buy snacks, erasers, exercise books and so on. One year, I received a hundred yuan red envelope. At that time, I felt like a local tyrant. 'he said:' the delisting of the RMB also represents the passing of the green years of the post-80s generation, with some emotion. '
Visit: a small amount of old coins can still be seen in circulation
In March last year, the people's Bank of China announced that it would stop the circulation of the fourth set of RMB 100 yuan, 50 yuan, 10 yuan, 5 yuan, 2 yuan, 1 yuan, 2 jiao notes and 1 jiao coins in the market (the fourth set of RMB 1 yuan, 5 jiao notes and 1 jiao, 5 jiao notes can continue to circulate in the market), which means that these versions of RMB no longer have legal payment effect and the seller has the right to reject them.
On April 19, the reporter visited several bank outlets in Jiefang Road, Wuchang District, and learned that the fourth set of RMB exchange services can be provided everywhere. 'occasionally people come to ask, but few of them change. 'a bank staff member said that since the fifth set of RMB has been issued for nearly 20 years, although the two are in circulation at the same time, the fourth set of RMB has been rare in recent years in terms of daily business.
However, in the transaction or sporadic see. Our branch is very close to the Hanzheng Street small commodity market. Before the Chinese new year, the market's & lsquo; carrying pole & quot; and merchants brought a lot of coins and change notes that they had accumulated on weekdays here to exchange change notes. We found part of the fourth set of RMB coins, including 1 yuan, 2 yuan and 50 yuan. 'the person in charge of Wuhan Hankou branch of industrial and Commercial Bank of China told reporters.
During the centralized exchange of part of the fourth set of RMB coupons, branches of the people's Bank of China in Hubei Province and banking financial institutions publicized extensively and actively recovered them. Some members of the public have exchanged part of the fourth set of RMB coupons. However, there is still a small amount of precipitation in the fourth set of RMB bonds in the market, which can be seen occasionally in circulation. "The relevant person in charge of the monetary gold and silver Department of Wuhan Branch of the people's Bank of China reminded the public to exchange part of the fourth set of RMB bonds held as soon as possible, especially the damaged RMB with poor appearance and low collection value.
It's less than 10 days before centralized exchange. Where can citizens exchange? The person in charge said that the public can handle the exchange business at any banking financial institution business outlet within the jurisdiction of Hubei Province, and after April 30, 2019, they need to handle the exchange business at the designated banking financial institution business outlet. Wuhan Branch of the people's Bank of China will open its website before April 30, 2019（ wuhan.pbc.gov . CN).
Why RMB needs to be innovated
During the interview, some members of the public asked, "the fourth set of RMB is well used. Why should it be stopped?".
A collector told reporters, "the fourth set of RMB has been in circulation for more than 30 years, and its anti-counterfeiting technology is still many years ago, obviously lagging behind the social and economic needs. After the issuance of the fifth set of RMB, slowly, the circulation of some of the fourth set of RMB securities only accounted for less than 1% of the circulation of RMB, and most of them were damaged or in a state of precipitation. At the same time, the long-term parallel circulation of the fourth and fifth sets of RMB increases the difficulty of public identification and RMB management, which is not conducive to the circulation of RMB. Therefore, the people's Bank of China decided to announce the suspension of circulation of part of the fourth set of RMB bonds. '
The fourth set of RMB has two characteristics: one is the longest design time, reaching 18 years; the other is the first issue of 100 yuan and 50 yuan bonds. The collector said: 'there are also typefaces. The fourth set of RMB retains the characters' people's Bank of China' written by Mr. Ma Wenwei, a researcher of the people's Bank of China. These characters are a combination of Hanli and Weibei, with profound foundation and rich traditional flavor. But when it comes to the fifth set of RMB, only the words "people's Bank of China" have been retained, and the denominations have been replaced by Song typeface, which is a pity. '
Last year, when the news came that the fourth set of RMB had stopped circulating, many people were ready to collect it. Mrs. Chen, who lives in Wuchang District, told reporters that last year, driven by a group of friends, she went to buy a set of 'the fourth collection of RMB notes with the same number'. Each voucher in the collection has one, but she does not know whether it has collection value.
Cao Hongguang, President of the coin branch of Hubei collectors association, told reporters, "the fourth set of RMB is divided into 80 and 90 editions, of which the 80 edition is of high collection value. This mother-in-law has the 90 version, but it can also be kept as a souvenir. For ordinary citizens, there is no need to put too much money and energy into the collection. They should keep a good attitude. '
Saying: we must polish our eyes when collecting coins
Cao Hongguang told reporters that the fourth set of RMB scattered by ordinary families has no collection value, because not all the old versions of RMB are valuable. He suggested that people should go to the bank to exchange some old coins as soon as possible, because most of these coins are of low collection value.
A few days ago, the reporter visited the antique collection market and found that there was no hot market in the coin collection market due to the delisting of the fourth set of RMB. 'at present, the market is relatively stable, and there is no general rise. 'a merchant told reporters:' however, except for the difference in products, other basic appreciation. '
The author notes that the highest value of the fourth set of RMB is the 1980 version of 50 yuan note, and the price of a good-looking single note has risen to 2000 yuan. On the front, there are portraits of workers, farmers and intellectuals. On the back, there is a landscape of Hukou waterfall, the second largest waterfall in China. Compared with the same version of RMB, the circulation of this note is very rare. In addition, the year mark on the note is hand carved, and the note is printed in gravure, so the note is also known as the 'King of money' by coin collectors. In addition, the price of the 1980 version of the 2-yuan note "green diamond" (named after the "Tian" pattern on the note emits green fluorescence under the fluorescent light and looks like a green diamond) has increased by about 30 times, and the "value" is about 60 yuan.
During the visit, the reporter also learned that in order to keep up with the heat, there are some problems in the market, such as renovating old tickets, selling low-quality tickets at a high price, and even repairing defective tickets. Experts remind us that coin collection is highly professional. We should not only pay attention to the appearance of coins, but also pay attention to the prevention of 'pollution', 'mildew' and 'fading' so as to avoid a big discount in value. In addition, individual citizens lack the knowledge to distinguish the true from the false. The elderly, in particular, should be careful to participate in the coin collection. They should be alert to the money collection scams lured by false information such as' special number ',' wrong version coin ',' high price repurchase ',' organizing Auction ',' limited issue 'and' authoritative certification ', so as to protect their own property safety.