著名经济学家宋清辉从监管等角度建议，中国应积极与各国监管机构合作，建立有效的反洗钱、反恐 怖融资机制，确保数字人民币跨境交易合规性，防止其被用于非法活动。事实上，数字人民币跨境交 易涉及不同国家的法律，需明确法律管辖权，建立有效的争议解决机制。在保障用户隐私前提下，还 须注意与各国监管机构建立必要的信息共享机制，以便开展有效监管。 上海金融与发展实验室特聘研究员邓宇表示，在新形势下如何加快推动CBDC研发与应用场景扩大，在国际竞争 中获得更多话语权，是许多新兴经济体面临的共同问题。目前在CBDC跨境支付全球统一监管，CBDC与当前国际 货币体系融合或竞争，以及隐私保护、互操作性访问等关键问题仍待解决。 邓宇补充说，迄今为止，金融稳定委员会（FSB）、世界经济论坛（WEF）、国际清算银行（BIS）、国际货币基 金组织（IMF）等国际金融组织，及全球主要央行对于CBDC跨境互联存在的技术风险、治理风险和监管问题仍处 初步探索阶段。未来需继续深化国际合作，扩大CBDC跨境互联测试的深度与广度，将CBDC跨境应用与国际监管 纳入议程。他并指："要实现CBDC有序发展和良性竞争，势必要开展国际监管合作，避免CBDC'碎 ...

Core Insights - The successful issuance of a data intellectual property pledge loan in digital RMB by Zhejiang International Oil and Gas Trading Center marks the first instance of such a loan in Zhejiang Province, highlighting the innovative application of digital currency in financing [1][2] - This initiative aligns with national strategies for digital economy development and the promotion of digital RMB, reflecting the rapid growth of the digital economy in Zhejiang Province [1][2] Group 1: Company Initiatives - Zhejiang International Oil and Gas Trading Center has actively responded to national and provincial calls to enhance data elements and explore their potential value [1] - The center has developed a "Zhoushan Price" index system since 2021, focusing on the release of price indices related to bonded fuel oil [1] Group 2: Financial Innovation - The pledge financing focuses on key outcomes of the "Zhoushan Price" system, specifically the "China Zhoushan Low Sulfur Fuel Oil Bonded Bunker Supply Quotation Data" and two other price indices [1] - The loan was issued in digital RMB, demonstrating the value of data elements as assessed by the China Construction Bank's Free Trade Zone branch [1] Group 3: Future Prospects - The successful issuance of the digital RMB data intellectual property pledge loan is seen as a significant step in activating the potential of data elements and enriching the application scenarios of digital RMB in bulk commodity settlements [2] - The center plans to leverage this success to further explore and expand the application scenarios of digital RMB in bulk commodity trading, enhancing its platform capabilities and financial service offerings [2]

Group 1 - The stock price of Chutianlong (003040) increased by 10.18% this week, closing at 15.58 yuan, with a total market capitalization of 7.184 billion yuan [1] - The company experienced a significant increase in the number of third-generation social security card holders, growing from 267 million in 2022 to 487 million by October 2024, indicating a penetration rate of 35% [2] - Chutianlong's revenue is expected to decline in 2024 compared to the previous year, but the company plans to focus on embedded security products, smart hardware, software and services, and digital RMB business in 2025 [3] Group 2 - On June 5, Chutianlong executed five large transactions at a discount of 11.23%, totaling 14.5711 million yuan [2][5] - The company launched the "Shubizhi Jiao" innovative payment solution, facilitating the issuance of the first nationwide interoperable digital RMB co-branded wallet for transportation [2][5] - The company's first extraordinary general meeting of shareholders in 2025 was successfully held, where four resolutions were passed with a high approval rate [4][5]

Core Insights - The launch of the "Digital Human" project at Shennongjia Scenic Area marks a significant step in the digital transformation of the cultural tourism industry, aiming to provide a more personalized and intelligent travel experience for visitors [1][5]. Group 1: Project Overview - The "Digital Human" project is supported by technology from Huitao Jinyuan and aims to offer 24/7 online tour guide services, intelligent Q&A, and personalized itinerary recommendations [1][3]. - Shennongjia is recognized as a famous natural ecological tourism destination in China, with rich natural resources and cultural heritage [1]. Group 2: Technological Integration - The "Digital Human" technology integrates artificial intelligence, big data analysis, and virtual reality, enabling it to simulate human language and behavior for natural interaction with tourists [3]. - The technology can provide precise recommendations based on tourists' interests and real-time needs, enhancing the overall travel experience by offering historical knowledge, weather updates, and transportation information [3]. Group 3: Strategic Goals - The introduction of the "Digital Human" is not only aimed at improving service quality but also at attracting younger generations of tourists, revitalizing the ancient Shennongjia in the digital age [5]. - The collaboration between Shennongjia Scenic Area and Huitao Jinyuan will continue to explore more innovative applications in the digital cultural tourism sector, enhancing the visitor experience and positioning Shennongjia as a world-class digital tourism destination [7].

Core Insights - JD's new digital employee, the JD High-End Digital Person, represents a 3.0 version of personalized customization aimed at enhancing brand live streaming experiences, outperforming human hosts in understanding consumer pain points and engagement [1][5] - The MCM brand, known for its luxury products, benefits from the advanced capabilities of the JD High-End Digital Person, which enhances product detail presentation and user engagement, leading to a threefold increase in viewer retention during live streams [1][3] Group 1 - The JD High-End Digital Person is designed to meet specific brand needs, featuring natural human-like movements, refined audio quality, and precise lip-syncing, achieving a level of realism that can surpass some human hosts [1] - The dual digital hosts in MCM's live streaming effectively showcase the latest fashion items, with high-definition visuals capturing intricate details such as the shine of chains and texture of materials [3] Group 2 - The immersive shopping experience created by the JD High-End Digital Person strengthens MCM's premium brand image while facilitating consumer decision-making through a seamless "discovery-interaction-conversion" process [5] - As consumer expectations for live content quality rise, and brands increasingly seek efficient, high-quality live streaming solutions, the JD High-End Digital Person is positioned to become a standard feature for high-end brand live broadcasts [5]

Core Viewpoint - The integration of digital technology and traditional Huangmei opera is being actively pursued by Anqing Normal University, aiming to enhance the preservation, transmission, and innovation of this cultural heritage through various technological means [1][3][5]. Group 1: Digital Preservation and Innovation - Anqing Normal University has established a digital resource library for Huangmei opera since 2012, utilizing digital media technology for preservation and transmission [1]. - The Huangmei opera laboratory has developed a virtual reality museum system and virtual simulation teaching courses to explore digital preservation methods [1][3]. - The team is leveraging AI and digital media to create intelligent digital personas and interactive exhibits that engage visitors and enhance their understanding of Huangmei opera [2][3]. Group 2: Cultural Integration and Tourism - The integration of Huangmei opera elements into AR experiences and cultural tourism is being explored, with collaborations established with over 20 scenic spots in cities like Hangzhou and Anqing [4]. - The team is developing a digital script tour that combines Huangmei opera with local cultural stories, enhancing visitor engagement through interactive experiences [4]. - A dual online and offline tourism model is being implemented, allowing users to experience Huangmei opera through virtual tours or immersive role-playing games [4]. Group 3: Future Directions - The team aims to create a sustainable ecosystem for the innovative development of Huangmei opera by combining traditional elements with advanced technology [5]. - Future efforts will focus on cross-industry collaboration, content innovation, and talent cultivation to further enhance the role of AI in the preservation and development of traditional operas [5].

Core Insights - The digital yuan pilot has surpassed ten million application scenarios, marking a significant step in China's legal digital currency development and showcasing the country's financial technology innovation strength [1][3]. Group 1: Application Scenarios - Since the launch of the digital yuan pilot, its application has expanded from basic areas like retail payments and public service fees to various dimensions including transportation, healthcare, education payments, and enterprise trade settlements [3]. - The breakthrough of over ten million pilot scenarios indicates that the digital yuan has deeply integrated into various sectors of the economy, becoming a crucial force in promoting the integration of the digital economy with the real economy [3]. Group 2: Ecosystem Development - The application ecosystem of the digital yuan is continuously enriching, with diverse participants such as financial institutions, technology companies, merchants, and consumers collaboratively building an open, cooperative, and win-win ecosystem [3]. - Banks are enhancing digital yuan wallet services to improve user experience, while technology companies leverage advanced technologies like big data, cloud computing, and blockchain to provide secure and efficient support for the circulation and application of the digital yuan [3]. Group 3: Cross-Border Applications - The exploration of cross-border applications of the digital yuan is steadily advancing, with its importance as a new tool for cross-border payments becoming increasingly prominent amid the acceleration of global digitalization [5]. - China is actively participating in international digital currency cooperation and standard-setting, promoting the application of the digital yuan in cross-border trade, investment, and financial transactions [5]. Group 4: Financial Inclusion and Security - The promotion of the digital yuan enhances financial inclusion and deepens efforts in anti-money laundering and counter-terrorism financing, reducing payment costs and improving efficiency, particularly benefiting remote areas and vulnerable groups [5]. - The traceability of the digital yuan serves as a powerful tool against financial crimes, contributing to the stability and security of financial markets [5]. Group 5: Future Outlook - With ongoing technological advancements and continuous expansion of application scenarios, the digital yuan's ecosystem is expected to become more comprehensive, further highlighting its role in economic development, financial service enhancement, and financial security maintenance [5].

Core Viewpoint - The upgrade of the digital RMB cross-border consumption pilot payment convenience is a significant initiative in the financial sector, enhancing the integration of global trade and consumption [1][5]. Group 1: Payment Process Improvement - The upgrade simplifies and enhances the efficiency of the payment process, allowing consumers to complete cross-border payments easily via their mobile phones without worrying about currency exchange and fees [3]. - Merchants benefit from quicker receipt of payments, improving cash flow efficiency and stimulating business activities [3]. Group 2: Security Enhancements - The upgrade incorporates advanced encryption and blockchain technologies, ensuring the security and traceability of each transaction, thus protecting consumer personal information and funds [3]. - This security enhancement provides consumers with confidence in engaging in cross-border consumption [3]. Group 3: Strategic Significance - The upgrade aids in elevating the status of the RMB in the international monetary system and promotes the internationalization of the RMB [5]. - Increased acceptance of RMB payments by various countries and regions will enhance its international influence and provide China with greater voice in global economic governance [5]. - The initiative fosters financial innovation and openness, encouraging cooperation and competition among financial institutions and promoting the development of financial technology [5]. Group 4: Challenges and Future Outlook - The upgrade faces challenges such as regulatory policy differences across countries and regions and the need for unified technical standards [5]. - Despite these challenges, the ongoing efforts and exploration are expected to gradually resolve these issues, contributing to a more convenient, secure, and efficient payment experience for cross-border consumption [5].

Core Insights - JD.com has launched the "JD Customized Digital Human" for brand merchants, enhancing its live-streaming capabilities with personalized digital avatars that operate 24/7 [1][3] - The new digital humans are designed to closely resemble real people, capable of natural movements and synchronized speech, catering specifically to categories like fashion, beauty, and luxury [3] - The introduction of AI technology allows these digital humans to utilize effective sales techniques from top industry hosts, enabling seamless interaction and sales conversion [3] Group 1: Product Features - The "JD Customized Digital Human" offers personalized adjustments based on brand needs, aiming to match the performance of top live-streaming hosts [1][3] - It supports various live-streaming formats, including product demonstrations, live trials, and interactive sessions, enhancing viewer engagement [3] - A specific example includes the customized avatar for the snack brand "Three Squirrels," which has generated over 10 million yuan in sales even during low-traffic hours [3] Group 2: Market Performance - During the "618" shopping festival, JD.com reported over 200% year-on-year growth in transaction volume, order quantity, and number of users within the first hour [3] - More than 20,000 brands saw their transaction volumes increase by over three times compared to the previous year, with certain categories experiencing a 380% increase in sales [3] Group 3: Industry Context - Digital humans are seen as a suitable medium for traditional e-commerce platforms, providing coverage during typically low-traffic periods [4] - Major internet companies like JD.com and Alibaba are investing in advanced AIGC and digital human technologies, giving them a competitive edge in the live-streaming e-commerce sector [4]

Core Viewpoint - Yuxin Technology has a broad layout in the digital RMB field, extending beyond common application scenarios to various wide-ranging applications [1] Group 1: Company Activities - The company has already implemented cases that assist state-owned banks in promoting digital currency applications and landing consumption scenarios [1] - Yuxin Technology is involved in the system development and construction of B-end application scenarios for major banks' digital currencies [1]