转自：新华财经 日前，招商银行青岛分行近期成功协助青岛海湾化学股份有限公司通过数字人民币缴纳海关税款保证金 255.8万元，标志着全国首笔数字人民币海关税款保证金业务在青岛正式落地。这是继2025年10月落地 全国首笔数字人民币关税代扣业务后，招商银行在数字人民币海关应用场景的又一重大突破，实现了 从"税费支付"到"税费担保"的完整覆盖。 下一步，招商银行青岛分行将不断探索数字人民币在旅客进出境、跨境电商等更多场景的深度应用，推 动口岸金融服务向综合化、智能化迭代，为外贸高质量发展注入源源不断的科技动能，打造数字生态示 范标杆。（王子雯） 编辑：赵鼎 从企业端看，这一创新带来了显著的效率提升。资金实时到账替代了传统模式下的半天甚至跨日等待， 企业财务人员无需再紧盯资金划转进度，专注于更高价值的资金统筹管理。对于青岛海湾化学这类进出 口业务量大、保证金缴纳频繁的企业，资金流转效率的提升直接转化为业务连续性的有力保障。 招商银行青岛分行相关负责人介绍，此次改革不仅是业务创新，更是数字人民币在政务领域深度应用的 突破。数字人民币的可追溯特性，使资金流向全程留痕、数据闭环可核验，既满足了海关对保证金监管 要求，也为企 ...

近日，交通银行广东省分行积极响应数字广东建设及非税缴费便利化发展要求，在营业网点正式推出柜 面数字人民币非税缴费服务。群众及缴费单位可在全省交行营业网点，通过单位或个人数字人民币钱包 完成行政事业性收费等各类非税事项缴纳，这标志着该行在政务金融数字化服务领域再迈新一步。 下一步，交通银行广东省分行将持续深化与财政、政务等相关部门的合作，不断丰富数字人民币在政务 缴费领域的应用场景，引导更多群众和企业体验数字人民币缴费的便捷性，以金融科技赋能政务服务提 质增效，为广东数字政府建设及数字经济发展贡献交行力量。（来源：交通银行广东省分行） 此次柜面数字人民币非税缴费服务的上线，是交通银行广东省分行深化"数字金融+政务服务"融合的重 要实践。该行依托自身数字化金融服务能力，持续丰富数字人民币在政务民生领域的应用场景，在此前 已落地的智慧医疗、公共交通等多个特色场景的基础上，此次非税缴费场景的拓展，进一步完善了该行 数字人民币便民服务体系。 数字人民币作为法定数字货币，具备"支付即结算""可控匿名""依法可溯"等核心特征，此次落地的柜面 数字人民币非税缴费服务，更实现免手续费、即时到账的缴费体验，大幅节省缴费人的资金成 ...

Core Viewpoint - The Agricultural Bank of China has been awarded the "Outstanding Case of Financial Technology Innovation Service" for its digital employee "Yiming," which aims to enhance consumer protection and provide safer financial services [1][6]. Group 1: Overview of the Case - The case addresses the challenges faced by certain customers, particularly the elderly, who often experience information asymmetry and weak risk identification abilities, making them vulnerable to financial fraud [2][7]. - The Agricultural Bank of China implements the "Financial for the People" philosophy by integrating artificial intelligence and AI agent technology to create "Yiming," a digital employee that enhances consumer protection and improves financial literacy among customers [2][7]. Group 2: Capabilities of "Yiming" - "Yiming" has developed six key capabilities: 1. **Intelligent Q&A**: Assists customer managers in responding to client inquiries accurately and promptly, utilizing an intelligent knowledge base and AI models [2][7]. 2. **Intelligent Training**: Provides simulated training scenarios for customer managers to master financial knowledge and understand complex product risks [3][8]. 3. **Personalized Financial Services**: Leverages big data to understand customer needs and deliver tailored services, ensuring a closed-loop service process [4][9]. 4. **Convenient User Experience**: Offers 24/7 support across various service scenarios, enhancing customer engagement and financial literacy [4][8]. 5. **Consumer Protection Features**: Includes a compliance review function that identifies misleading statements in promotional materials and manages complaints through an online system [5][9]. 6. **Creation of Educational Materials**: Utilizes features for generating marketing content and educational materials to improve consumer protection education [5][9]. Group 3: Impact and Usage Statistics - Since its launch, "Yiming" has been utilized by 100,000 customer managers, with over 690,000 inquiries made, significantly aiding in timely customer responses and financial education [4][9]. - The intelligent training feature has been used for 410,000 sessions, totaling 34,000 hours, contributing to the professional development of customer managers and enhancing their service effectiveness [4][9].

Core Viewpoint - The company is actively exploring and integrating AI technology into content production and IP development to adapt to the digital era [1] Group 1: AI Integration and Product Development - The company has launched diverse products utilizing AI technologies such as text-to-image, image-to-video, and text-to-video [1] - The "E堂好课" project offers a series of AI-enhanced video courses covering multiple subjects including science, English, art, and music for elementary education [1] - The self-developed "湖湘文库(AI版)" has been fully launched, showcasing the company's commitment to AI in publishing [1] Group 2: Collaborative Projects and Innovations - The company has partnered with Mango TV to create AIGC sci-fi micro-short dramas "神.笔" and "阳光小白马," as well as an AIGC interactive game "马上来财," which were released during the Spring Festival [1] - These initiatives aim to empower cultural dissemination through technology and explore new pathways for cross-industry integration in publishing [1] Group 3: Future Focus and Development - The company plans to continue monitoring technological advancements to enhance the quality of production in publishing, aiming for high-quality development [1]

以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 从资金流向上来看，当日数字人民币板块主力资金净流入18.36亿元，游资资金净流出10.75亿元，散户 资金净流出7.6亿元。数字人民币板块个股资金流向见下表： 证券之星消息，2月27日数字人民币板块较上一交易日上涨2.06%，御银股份领涨。当日上证指数报收 于4162.88，上涨0.39%。深证成指报收于14495.09，下跌0.06%。数字人民币板块个股涨跌见下表： ...

Core Insights - Baidu has integrated AI digital human technology into its operations, showcasing this during its Q4 and full-year earnings call for 2025, where an AI digital human introduced the performance results [1] - The AI digital human technology has gained significant attention, with a nearly 200% year-on-year increase in the number of digital human live broadcasts on Baidu's platform by December 2025 [1] - The technology is being utilized across various industries, including partnerships with companies like JD.com and TikTok, indicating its broad applicability [1] Internal Communication - On February 24, 2025, Baidu's AI digital human sent customized greetings and bonuses to all employees via a work software, which received positive feedback on social media [1] - The use of AI digital humans in internal communications reflects Baidu's commitment to internalizing AI capabilities [1] Industry Implications - Baidu's AI digital human technology is positioned as a foundational technology and a universal interface for interaction in the AI era, as stated by Baidu's CEO, Li Yanhong, during the Baidu World Conference in November [1] - The integration of this technology into both internal and external communication channels highlights Baidu's strategic focus on enhancing its AI capabilities [1]

"数字人民币智能合约平台的拓展空间还很大。"王蓬博表示，在预付资金管理领域，数字人民币智能合 约可以根据合同预设约定自动强制执行，有效防范资金挪用，目前已有多地落地应用。消费者购买商户 服务时，其预付资金进入加载智能合约的数字人民币钱包。在实际消费前，预付资金仍然归消费者所 有；用户消费时，智能合约将依据预设条件自动执行资金划转至商户钱包，用一次付一次；消费者退卡 或商户经营异常时，智能合约将保障用户未消费的钱及时退回消费者。 在促消费领域，数字人民币智能合约可以根据政策要求，按约定时间及规则发放至消费者数字人民币钱 包，并根据实现约定的交易时间、商户清单范围、消费金额等条件自动触发使用，可有力刺激市场消 费，推动经济有效增长。例如，地方政府发放"以旧换新"补贴，智能合约可根据地方政府提供的数据， 自动判断用户是否具备本地户口、是否符合"以旧换新"条件等。 在供应链金融场景，数字人民币智能合约可以根据供应链上下游企业长期贸易来往形成的订单数据，确 保企业信贷资金仅用于生产经营，有效避免资金滥用或挪用风险。金融机构通过数字人民币智能合约可 实现信贷资金跨机构发放，进一步降低企业金融服务获得成本，提升金融机构贷后 ...

Core Insights - The article highlights the active participation of various stakeholders, including banks and third-party payment institutions, in promoting digital RMB during the Spring Festival, effectively stimulating consumer spending and integrating digital RMB into daily consumption scenarios [1][3]. Group 1: Government and Bank Initiatives - Multiple banks have tailored digital RMB initiatives to local conditions, such as the "Digital RMB Month Festival" by Bank of Communications in Suzhou, offering consumption vouchers and discounts on various platforms [2]. - China Merchants Bank's Wuxi branch is also promoting digital RMB with a campaign that offers discounts for users at participating merchants, enhancing the user experience [2]. Group 2: Third-Party Payment Institutions - Third-party payment institutions like UnionPay Business are actively involved in local government initiatives to enhance consumer experience through digital RMB, focusing on seamless integration and efficient subsidy distribution [3]. - The successful implementation of these initiatives aligns with national policies aimed at expanding domestic demand and promoting consumption [3]. Group 3: Technological Advancements - The application of smart contracts in digital RMB is emphasized as a means to enhance the precision of consumer subsidies, allowing for targeted distribution based on specific conditions [4][5]. - Experts suggest that smart contracts can significantly improve the efficiency of subsidy usage and prevent issues like fund misappropriation, thereby supporting various sectors beyond just consumer spending [5]. Group 4: Future Prospects - The potential for smart contracts in digital RMB is vast, with applications expected to extend into areas such as wage payments, government subsidies, and supply chain finance, contributing to the high-quality development of the real economy [5].

Group 1 - The digital RMB sector increased by 0.01% compared to the previous trading day, with Xingwang Ruijie leading the gains [1] - The Shanghai Composite Index closed at 4146.63, down by 0.01%, while the Shenzhen Component Index closed at 14503.79, up by 0.19% [1] - The net outflow of main funds in the digital RMB sector was 1.158 billion yuan, while retail investors saw a net inflow of 900 million yuan [1]

证券之星消息，2月25日数字人民币板块较上一交易日上涨0.46%，四方精创领涨。当日上证指数报收 于4147.23，上涨0.72%。深证成指报收于14475.86，上涨1.29%。数字人民币板块个股涨跌见下表： 从资金流向上来看，当日数字人民币板块主力资金净流出3322.8万元，游资资金净流入3046.73万元，散 户资金净流入276.07万元。数字人民币板块个股资金流向见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 ...