从生态体系来看，央行主导、多方参与的数字人民币生态正在形成。目前已有9家商业银行作为运 营机构直接从事数字人民币运营。另外，截至2021年8月12日，24家城商行通过城银清算接入数字人民 币互联互通平台，还另有多家银行有意向通过城银清算接入数字人民币互联互通平台。而科技公司、支 付机构、地方政府等也积极参与，助力完善数字人民币生态体系。 会议强调，数字人民币研发试点要坚持体现"人民性"，在拓展金融服务覆盖面，提升普惠金融服务 水平，助力地方经济发展，支持数字政务建设，提升金融服务实体经济质效，改善营商环境等方面发挥 更大作用。要坚持市场化，在数字人民币发展、推广、普及过程中，政策设计要充分激发金融机构、科 技企业、地方政府等各方积极性和创造性，在推动运行中要鼓励竞争。 【纠错】 【责任编辑:柴峥】 人民银行日前召开数字人民币研发试点工作座谈会。会议要求，稳妥推进数字人民币研发试点。有 序扩大试点范围，在现有试点地区基础上增加天津市、重庆市、广东省广州市、福建省福州市和厦门 市、浙江省承办亚运会的6个城市作为试点地区，北京市和河北省张家口市在2022北京冬奥会、冬残奥 会场景试点结束后转为试点地区。 此前，人民 ...

Group 1 - The core viewpoint of the articles highlights the effectiveness of consumption vouchers and digital RMB red packets as measures to stimulate consumer spending and boost domestic demand in China [1][2] - During the "618" shopping festival, JD Technology reported that users spent 400 million yuan using digital RMB, marking an increase of over 18 times year-on-year [1] - Various cities, including Guangzhou, Tianjin, and Hangzhou, have initiated digital RMB red packet campaigns to enhance consumer demand, with upcoming activities planned in Xiamen and Suzhou [1] Group 2 - Consumption vouchers are viewed as a short-term stimulus tool that can quickly enhance consumer spending through a leverage effect, thereby improving business operations and alleviating economic pressure [2] - Data from the National Bureau of Statistics indicates that in May, the total retail sales of consumer goods decreased by 6.7% year-on-year, but the decline was narrowed by 4.4 percentage points compared to April [2] - Experts predict that with the implementation of digital RMB and consumption vouchers, the consumer market will gradually recover, leading to a positive growth rate in retail sales in the near future [2]

Core Viewpoint - The People's Bank of China emphasizes that the digital RMB will respect privacy and personal information protection while preventing misuse by criminals [1][2]. Group 1: Digital RMB Features - Digital RMB will maintain the complete anonymity provided by physical cash, ensuring that the issuance of digital currency does not strip away this feature [1]. - The concept of "controlled anonymity" is introduced, which aims to enhance public experience and security in payment services [1]. Group 2: Regulatory Framework - A top-level institutional design is necessary to ensure the effective implementation of controlled anonymity for digital RMB [2]. - An information isolation mechanism should be established to ensure the independence of digital RMB operating institutions and regulate the use of customer information [2]. - Legal conditions for querying, freezing, and deducting from digital wallets must be clearly defined, allowing only authorized entities to access user information under specific legal circumstances [2]. Group 3: Compliance and Monitoring - A penalty mechanism should be established to impose sanctions on institutions that mishandle digital RMB customer information, thereby strengthening regulatory oversight [2]. - Regulations related to anti-money laundering and counter-terrorism financing should be improved, aligning with the principles of the Financial Action Task Force (FATF) [2]. Group 4: Technological Integration - The regulation of digital RMB will leverage regulatory technology, utilizing big data, artificial intelligence, and cloud computing to enhance the identification, prevention, and resolution of cross-industry financial risks [3].

Core Insights - The digital RMB pilot program has expanded to 23 regions across 15 provinces and cities, with significant transaction volumes and innovative applications emerging in various sectors [1][2] Group 1: Pilot Expansion and Transaction Volume - The digital RMB pilot program has expanded from 10+1 regions to 15 provinces and cities, with 23 areas involved [2] - As of May 31, the pilot regions have recorded approximately 264 million transactions, amounting to about 83 billion RMB [1] Group 2: Application Scenarios and Innovations - New application scenarios for digital RMB are being developed, including a "digital currency + public fund" service in Shenzhen and cross-region tax payments in Guangzhou [2] - The digital RMB features characteristics such as low cost, immediate settlement, and programmability, which are being leveraged to enhance public and private sector integration [3] Group 3: Privacy Protection Measures - The digital RMB adheres to the principle of "small amounts anonymous, large amounts traceable," ensuring robust personal information protection [4][5] - The dual-layer operational system allows for the collection of necessary personal information while maintaining user privacy [5] Group 4: Legal and Regulatory Framework - There is an ongoing effort to establish legal regulations and industry policies to solidify the legal foundation for digital RMB [6][7] - Key measures include creating information isolation mechanisms, defining legal conditions for wallet operations, and enhancing anti-money laundering regulations [7]

Core Insights - The digital RMB is expanding its application scenarios, showcasing innovative products like the low-carbon card and IoT smart gas meters at the 2022 China International Fair for Trade in Services [1][2][3] - The digital RMB wallet launched by Industrial Bank marks a significant step in the bank's efforts to enhance digital currency services and broaden its operational scope [3] - The introduction of smart contract technology within the digital RMB framework is a key innovation, enabling programmable transactions and enhancing efficiency in various economic activities [4][5] Group 1: Digital RMB Innovations - The low-carbon card, a hardware wallet for digital RMB, allows users to make payments across various online and offline scenarios, enhancing convenience for consumers [1] - The IoT smart gas meter integrates a digital RMB wallet, streamlining the gas purchasing process and addressing traditional complexities [2] - Industrial Bank has introduced over ten types of digital RMB hardware wallets, including smartwatches and electronic IDs, to improve customer payment experiences [2] Group 2: Expansion and Adoption - As of May 31, digital RMB transactions reached approximately 264 million, totaling around 83 billion RMB, with 4.567 million merchants supporting digital RMB payments [3] - The digital RMB wallet by Industrial Bank aims to create more unique scenarios and business models, contributing to the broader adoption of digital currency [3] Group 3: Smart Contract Applications - Smart contracts within the digital RMB ecosystem can reduce transaction costs and enhance the business environment, with applications in government subsidies and retail marketing [4][5] - The technology allows for automated payment transactions based on agreed conditions, improving efficiency and compliance in various sectors [4][5] - Future developments will focus on building a robust ecosystem for smart contracts, involving collaboration with market institutions to establish standards and compliance mechanisms [5]

"货币体系作为市场经济的基石，标准的统一尤为关键。"范一飞强调，在移动支付高度发达的现代 社会，更加需要打破支付工具之间的壁垒，提升资金管理效率和消费者支付体验。数字人民币作为央行 向人民群众提供的公共产品，要体现人民性，让使用更方便快捷。在推进数字人民币生态建设方面，受 理环境和应用场景拓展亟待破局，其中标准的统一和规范是关键所在。 范一飞表示，为了实现数字时代的"钱同币、币同形"，要从信息交互、业务流程、技术规范等维度 加快推进数字人民币体系的标准化建设。具体来讲，要推动数字身份、报文规范、二维码制、蓝牙和 NFC等方面规范和标准的统一，实现数字人民币体系与传统电子支付工具的互联互通，让消费者可 以"一码通扫"，商户也不用增加成本即可支持各类支付工具。此外，为避免用户信息泄露，消除数据安 全隐患，也需要统筹组织各方对相关技术进行升级加固，提升安全防护水平，保障支付的安全便捷。 数字人民币试点启动以来，已经在批发零售、餐饮文旅、教育医疗、公共服务等领域形成了一大批 涵盖线上线下的应用模式。对于数字人民币未来的发展，人民银行副行长范一飞近日透露，要推进数字 人民币体系的标准化建设，实现数字人民币体系与传统电子 ...

Core Insights - The recent updates to the digital RMB app reflect significant enhancements in user experience and functionality, with over 40 updates since its launch in 2022, indicating a commitment to continuous improvement [1] Group 1: User Experience Enhancements - The latest version of the digital RMB app focuses on simplifying operations related to money management, allowing users to access key functions like payment, transfer, recharge, and bank storage directly from the homepage, thus reducing operational steps [2] - The app now features improved wallet management, allowing users to easily switch between multiple wallets, with the most frequently used wallets displayed prominently for convenience [4] Group 2: Hard Wallet Services - The upgrade includes enhancements to the hard wallet service, making it easier for users, including foreign visitors and seniors, to make payments without internet or power [5] - The process for deactivating a hard wallet has been streamlined, enabling users to remove or deactivate their hard wallets directly through the app, even if the wallet is lost or damaged [6] Group 3: Broader Applications and Innovations - The digital RMB is being increasingly utilized in various business scenarios, including enterprise payments and cross-border transactions, with notable implementations in cities like Guangzhou, Beijing, and Chongqing [7] - The digital RMB is enhancing the financial infrastructure by providing a compliant, secure, and efficient currency settlement channel for cross-border trade, while also leveraging smart contracts to reduce transaction costs and improve payment efficiency [7]

Core Insights - The integration of AI and the real economy is transforming business ecosystems, with the launch of a global multimodal digital human live broadcasting machine by Kexiyun Group showcasing disruptive technology [1][8] - The technology demonstrates its commercial value and universality through applications in various sectors such as healthcare, education, and government [1][2][5][6] Healthcare Innovations - AI digital receptionists in hospitals have improved guidance efficiency by 40%, reducing patient wait times from 15 minutes to 5 minutes [2] - Remote surgical teaching systems have decreased skill acquisition time for grassroots doctors by 60% [2] - Rehabilitation training using digital human coaches has tripled recovery efficiency [2] Educational Transformation - The introduction of digital teaching assistants has reduced knowledge acquisition time by 40% and increased classroom interaction rates by 65% [5] - Hybrid teaching models have expanded the number of students served per teacher from 30 to 200, enhancing teaching efficiency by 500% [5] - Online education platforms utilizing digital human matrices have increased course completion rates from 62% to 89% [5] Government Efficiency - AI digital humans have improved public service efficiency by 75% through a 24-hour policy live broadcast model [6] - Automated responses to policy inquiries have achieved a 98% automation rate, significantly reducing misinformation during emergencies [6] Global Market Position - Kexiyun Group leads the Chinese AI digital human market with an 18.7% market share, projected to reach 5.91 billion yuan by 2025 [8] - The company is positioned among the top three in the global market, which is valued at 48 billion yuan, due to its unique capabilities in biological restoration accuracy and real-time translation [8] - The establishment of a "Digital Human API Global Alliance" has attracted 12,000 technology service providers, indicating a strong ecosystem development [8]

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。 投资者提问：请问贵公司有无稳定币和数字货币技术？ 证券之星消息，东方国信(300166)08月11日在投资者关系平台上答复投资者关心的问题。 东方国信回复：尊敬的投资者，您好！感谢您对公司的关注。子公司上海屹通的主要客户为银行，目前 已与数家国有大行、及商业银行，实现了数字人民币对接，根据银行性质实现了不同模式的对接方案， 并将方案整理形成标准化流程，可快速协助各合作银行快速完成数字人民币对接。上海屹通已取得数字 人民币交易平台软件著作权。目前与客户银行方在数字人民币及其交易方面更多地是在联合创新和探 索，盈利较少。公司将紧密跟踪数据要素流通、区块链技术应用等前沿领域的发展动态，持续关注新技 术、新模式的演进。未来若涉及相关业务布局，公司将严格遵循国家法律法规及监管要求，及时履行信 息披露义务。当前无应披露而未披露的重大业务计划。谢谢！ ...

投教小课堂 全景网浙江投资者教育基地秉承"沟通创造价值"宗旨，以投资者关系互动为核心，聚焦金融信息资讯服 务，通过融媒体的方式，积极探索"互联网+投教"模式，以"线上+线下"相结合的方式，让投资者教育服 务触手可及。 主板上市公司强制退市后，投资者是否还能转让股票？主板上市公司应当在深交所作出终止其股票上市 决定后立即安排股票转入全国中小企业股份转让系统等证券交易场所转让的相关事宜，保证公司股票在 摘牌之日起四十五个交易日内可以转让。 下期"投教小课堂"与你不见不散。 ...