[ 自2024年6月试运营至2025年底，多边央行数字货币桥累计交易金额折合人民币约4778亿元，其中数 字人民币在各币种交易额中占比约96%。 ] 历经十余年理论探索、试点落地与体系升级，数字人民币在2026年迎来关键跨越。 随着中国人民银行《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动方案》 （下称《行动方案》）正式实施，新一代数字人民币计量框架、管理体系、运行机制和生态体系全面落 地，定位从现金（M0）的数字化替代，拓展至覆盖M1、M2范畴，完成从现金型1.0到存款货币型2.0的 时代跃升。 这场核心变革，不仅理顺了央行与商业银行的权责关系，还凭借混合式架构的独特优势、双层运营体系 的制度创新与跨境应用的先行探索，为全球中央银行数字货币（CBDC）发展提供了可借鉴的中国样 本。 升级并非另起炉灶 数字人民币2.0并非另起炉灶。 "数字人民币从1.0进入2.0时代不是重新开始，更不是改换赛道，而是保留了前期试点的核心成功要 素。"中银证券全球首席经济学家管涛认为，其独创的"中央银行—商业机构"双层运营体系，经过十年 实践检验，已被全球央行和国际组织广泛认可，成为数字货币通用标准。 江苏 ...

Group 1 - The core focus of the People's Bank of China (PBOC) for 2026 is the steady development of the digital renminbi, with various regional branches emphasizing this in their annual work meetings [1][2][3] - The digital renminbi is expected to evolve from a basic payment tool to a core financial infrastructure, with a focus on enhancing user experience and expanding its application across different sectors [2][3] - As of November 2025, the digital renminbi has processed 3.48 billion transactions amounting to 16.7 trillion yuan, with 230 million personal wallets and 18.84 million corporate wallets established [3] Group 2 - The PBOC's regional branches are implementing differentiated strategies based on local economic conditions, aiming to create a collaborative framework for the digital renminbi's development [2][3] - The digital renminbi has entered a critical "2.0 era," marked by significant updates to the digital renminbi app and the introduction of interest payments on wallet balances [2][3] - Future competition among operational institutions is expected to shift from merely increasing wallet numbers to building ecosystems and creating value through smart contracts and data elements [3]

Core Viewpoint - The application of NuwaAI digital humans in the education and training industry enhances teaching efficiency and quality through a "human-machine collaboration" model, allowing teachers to focus on higher-value tasks [1] Group 1: Application in Education - NuwaAI digital humans are being utilized in collaboration with a school in Longgang, Shenzhen, to implement a teaching model that combines digital assistants with human teachers [1] - The deployment of "digital teaching assistants" allows for standardized knowledge delivery and frequent Q&A, freeing human teachers from repetitive tasks [1] - This approach addresses the "quantity-quality contradiction" in teaching resources by enabling teachers to concentrate on instructional design and personalized guidance [1] Group 2: Benefits of Implementation - The solution supports rapid generation and deployment of digital humans, lowering the barriers to digitalization in educational institutions [1] - It allows for the creation of digital humans with specific styles in under three minutes through natural language descriptions, facilitating quick scalability [1] - The system can parse various teaching content formats and structure them into a knowledge base, enabling the rapid production of high-quality micro-lectures and public course videos [1] Group 3: Cost and Quality Improvement - The implementation of NuwaAI digital humans aids educational institutions in accumulating reusable and easily distributable standardized digital resources [1] - This reduces the costs associated with creating and disseminating high-quality content, contributing to overall cost reduction and efficiency improvement in the education sector [1] - The solution promotes digital upgrades in the education and training industry, enhancing both cost-effectiveness and quality [1]

证券日报网1月22日讯，邦彦技术在接受调研者提问时表示，根据公司的业务布局，NuwaAI数字人与云 PC产品在ToB销售渠道上具有协同性，两个产品面向重合的客户群体与解决相通的数字化转型需求。两 者主要客户均为对安全、效率与集中化管理有强需求的政府、教育、制造业企业与特定行业机构。例 如，在智慧教育场景，学校既需要NuwaAI数字人实现智能化教学与客服，也需要云PC解决方案来构建 集中、可控、安全的IT教学环境。面向政企客户，数字人可用于智能办公、政务服务，而云PC则是实 现数据不落地、统一办公桌面的底层基础设施。NuwaAI与云PC在ToB市场的渠道上具有协同性，通过 瞄准同一客户群的不同层次需求，公司能够以整合方案提升销售效率提供解决方案，构建更深的业务护 城河。 ...

历经十余年理论探索、试点落地与体系升级，数字人民币在2026年迎来关键跨越。 随着中国人民银行《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动方案》 （下称《行动方案》）正式实施，新一代数字人民币计量框架、管理体系、运行机制和生态体系全面落 地，定位从现金（M0）的数字化替代，拓展至覆盖M1、M2范畴，完成从现金型1.0到存款货币型2.0的 时代跃升。 这场核心变革，不仅理顺了央行与商业银行的权责关系，更是凭借混合式架构的独特优势、双层运营体 系的制度创新与跨境应用的先行探索，为全球中央银行数字货币（CBDC）发展提供了可借鉴的中国样 本。 升级并非另起炉灶 依托这一技术架构，数字人民币实现了全流程可追溯。数字钱包间的转账伴随着数字人民币加密币串的 直接转移。一位熟悉数字人民币的业内专家表示："币串到哪了？发了多少？实时都可反馈到央行，从 宏观数据上来讲，可以拿到实时的存款数据，这和原来的银行存款不一样。" 数字人民币2.0并非另起炉灶。 "数字人民币从1.0进入2.0时代不是重新开始，更不是改换赛道，而是保留了前期试点的核心成功要 素。"中银证券全球首席经济学家管涛认为，其独创的"中央银行 ...

Core Viewpoint - The digital RMB has upgraded to version 2.0, introducing interest-bearing features for real-name wallets and integrating carbon credits into its ecosystem, enhancing its role as a comprehensive financial infrastructure rather than just a payment tool [1][3]. Group 1: Digital RMB Features - The digital RMB wallet now allows interest accumulation, marking a shift from its previous non-interest-bearing model, which limited user motivation for long-term holding [2][3]. - The new version categorizes digital RMB wallets into four types based on user authentication, with only real-name wallets eligible for interest, reflecting a principle of rights and responsibilities [2][3]. Group 2: Economic Impact - The adjustment in the digital RMB's classification to align with commercial bank liabilities enhances banks' profit potential, transforming them from cost centers to profit centers [2][3]. - The digital RMB is expected to evolve into a multi-functional financial product, expanding beyond retail payments to include savings, loans, and investment services, thus integrating more deeply with the economy [5]. Group 3: Ecosystem Expansion - The digital RMB's application scenarios have broadened significantly, with a total transaction amount of 19.5 trillion yuan and 2.3 billion personal wallets opened by the end of 2025 [4]. - Future developments may focus on wholesale payments, cross-border settlements, and enterprise financial services, particularly in supply chain finance and green finance, enhancing payment efficiency for businesses [5].

证券日报网讯1月22日，信安世纪在互动平台回答投资者提问时表示，数字人民币国际运营中心推出三 大业务平台，实现数字人民币跨国结算。 ...

Core Insights - The company is focusing on AI applications in core financial scenarios, particularly in credit, digital banking, data assets, and financial regulation, aiming to enhance operational efficiency and capabilities of financial institutions [2] - The digital RMB initiative has entered its 2.0 phase, evolving from a cash trial to a digital deposit system, which will reshape banking processes and service models [4] Group 1: AI Applications in Finance - The company has transitioned its AI applications in the credit sector from conceptual exploration to large-scale implementation, integrating AI throughout the entire credit process [2] - In 2025, the company engaged with nearly 100 financial institutions regarding AI implementation, assisting over 30 in scenario validation and more than 10 in deployment [2] - New layers for credit business scenarios and public AI have been added to enhance the integration of technology and business [2] Group 2: Digital RMB Development - The company has a leading advantage in digital RMB solutions and project delivery, participating fully in the domestic digital RMB system construction [3] - The company has established deep collaborations with several state-owned and smaller banks, creating a modular implementation path that prioritizes compliance [3] - Since 2024, the company has been actively entering the global digital currency market, successfully implementing an overseas digital currency project that is now in the regulatory sandbox phase [3] Group 3: Business Opportunities in Digital RMB 2.0 - The company plans to create a comprehensive matrix covering government, commercial, and cross-border scenarios in the digital RMB landscape [4] - Government applications include targeted fiscal subsidies and flexible digital red envelope schemes, while commercial applications leverage smart contracts for various financial management tasks [4] - The cross-border segment aims to enhance payment efficiency and transparency through automated compliance checks and fund traceability [4]

Group 1 - The core viewpoint of the article is that Yuxin Technology is actively participating in the development of the digital RMB 2.0 system, which is evolving from a digital cash pilot to a programmable digital deposit system [1] - The company has successfully won a bid and implemented a digital currency project for an overseas bank, which includes digital wallet integration and smart contract development [1] - Yuxin Technology has established a comprehensive service system that covers six steps: central bank interface integration, system construction, wallet deployment, smart contract embedding, scenario implementation, and operational monitoring [1] Group 2 - The company is planning a full-scenario matrix that includes government, commercial, and cross-border sectors to promote sustainable scenario innovation [1] - Yuxin Technology is leveraging its technical expertise in the domestic digital RMB 2.0 system to expand into international markets [1]

转自：新华财经 "以前公积金里的钱取不出来付二手房首付，我还担心凑不齐款耽误买房，没想到现在用招行数字人民 币直接就能付首付，这可真是解决了我们的大难题！"刚完成公积金二手房首付提取的市民王先生难掩 激动。这既道出了招商银行青岛分行以数字人民币破解民生难题的实效，也揭开了改行深耕数字人民币 生态场景的生动篇章。 对普通市民而言，数字人民币的价值更体现在"以人为本"的便民举措中。过去，青岛市二手房交易环 节，公积金账户资金无法直接提取用于支付首付，市民需通过各种渠道筹集首付款，不仅增加短期资金 压力，还可能因流程衔接问题延误交易进度，成为二手房交易中的民生堵点。 招商银行青岛分行敏锐捕捉这一需求，主动对接，量身打造基于数字人民币的产业链结算体系，通 过"线上开立对公钱包+智能合约"解决方案，实现了集团与核心经销商之间"销售确认—利润分成"的自 动结算，以及与多级供应商之间"订单采购—货款入账"的实时结算，并为产业链各方提供供应链票据贴 现入数字人民币钱包服务，精准满足中小企业资金使用需求。目前，这一数字人民币结算模式已从"核 心企业"向"产业链末梢"延伸，集团内外已有数百家上下游企业接入，将分散的经营主体串联成 ...