Core Viewpoint - The essential difference between digital RMB (e-CNY) and third-party payment platforms like WeChat Pay and Alipay lies in their nature as legal tender and their technological architecture, with digital RMB being a state-backed digital currency equivalent to cash, while WeChat and Alipay are commercial payment tools that require bank account linkage [1][6]. Group 1: Fundamental Attributes - Digital RMB is issued by the People's Bank of China and is equivalent to physical cash, representing a digital form of the RMB and backed by state credit [1]. - WeChat and Alipay are third-party payment tools that rely on bank account funds for settlement and are not currencies themselves, functioning as "wallets" that require bank card binding or preloaded balances for payments [1]. Group 2: Technical Features Comparison - Digital RMB supports offline payments, allowing transactions without internet connectivity, while WeChat and Alipay require an internet connection [3]. - Digital RMB offers controllable anonymity, with transaction information visible only to the central bank, whereas WeChat and Alipay require real-name authentication and maintain complete transaction records [3]. - Digital RMB has zero transfer and withdrawal fees, while WeChat and Alipay may charge fees (e.g., 0.1%) for withdrawals [3]. - Digital RMB does not require binding to a bank account, allowing for a loosely coupled design, while WeChat and Alipay necessitate binding to a bank card or preloaded balance [3]. Group 3: Security and Regulatory Differences - Digital RMB ensures fund security through direct settlement by the central bank, eliminating the risk of fund misappropriation, while WeChat and Alipay store funds in commercial banks, posing a risk in case of platform bankruptcy [5]. - Digital RMB has enhanced anti-money laundering capabilities, allowing tracking of fund flows with each electronic note having a unique code, enabling the central bank to monitor illegal transactions, unlike third-party payments that depend on platform risk control [5]. Group 4: Application Scenarios and Future Outlook - Digital RMB has been integrated into multiple countries' clearing systems (e.g., Hong Kong, Macau, Singapore), reducing cross-border payment costs by 50% [5]. - Digital RMB supports smart contracts for prepayment fund management, such as automatic transfers for rental deposits, reducing consumer disputes [6]. - Digital RMB aims to provide a safer and more inclusive payment infrastructure, covering unbanked populations with just a mobile phone for account opening, while WeChat and Alipay optimize payment channels relying on the existing financial system [6]. - Both digital RMB and third-party payment platforms are expected to coexist and complement each other in the long term, with digital RMB holding irreplaceable advantages in legal status, offline capabilities, and privacy protection [6].

扬子晚报网9月30日讯（通讯员 苏民宣 记者 董婉愉 闫春旭）一个能答疑、会办事、懂研判、可发言的 虚拟数字人"苏小社"来了！9月28日至29日，2025长三角民政座谈会在江苏苏州举行，发布了江苏社会 组织专属数智助手——虚拟数字人"苏小社"，将为全省社会组织提供"更苏适"的智能服务。 近年来，长三角地区三省一市约20万家社会组织，紧扣"一体化"与"高质量"的时代脉搏，积极探索协同 发展新路径，在繁荣公益慈善事业、参与城乡基层治理、增进民生福祉、助力乡村振兴、推动行业自 律、优化营商环境等方面取得了一系列丰硕成果。 校对 朱亚萍 随后，三省一市民政厅（局）共同签订《进一步推进长三角地区社会组织协同发展合作备忘录》，持续 加强全方位深度交流协作，为全力打造社会组织规范化建设和高质量发展先行区和示范区注入全新动 能。 会议举行了系列成果发布。发布了《长三角社会组织发展报告》蓝皮书，描绘了长三角地区社会组织工 作创新实践的详细图谱；发布了江苏社会组织专属数智助手——虚拟数字人"苏小社"，通过AI深度赋 能，集"智答客服""智能辅助""智慧研判""数智发言"等应用场景为一身，以科技创新实现"数智来护航， 服务更苏适" ...

证券代码：835670 证券简称：数字人 公告编号：2025-092 山东数字人科技股份有限公司 内部控制整改进展暨股票可能被实施退市风险警示的风险 提示公告 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记 载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个 别及连带法律责任。 重要内容提示： 公司 2024 年度财务报告内部控制被出具否定意见的审计报告，触及《北京 证券交易所股票上市规则》10.4.2 条"（六）首个会计年度财务报告内部控制 被出具无法表示意见或否定意见的审计报告，或者未按照规定披露财务报告内 部控制审计报告"应当立即披露股票可能被实施退市风险警示的风险提示公告 情形。 二、公司股票可能被实施退市风险警示的风险提示 根据《北京证券交易所股票上市规则》第 10.4.2 条第(六)项规定,上市公 司出现"首个会计年度财务报告内部控制被出具无法表示意见或否定意见的审 1 计报告，或者未按照规定披露财务报告内部控制审计报告"的情形，上市公司 应当立即披露股票交易可能被实施退市风险警示的风险提示公告，并且应当至 少每月披露一次进展情况及风险提示公告，直至相应情形消除 ...

在中华民族伟大复兴的征程上，中国已经具备坚实的经济基础和科技硬实力。作为世界第二大经济体， 中国在制造业、基础设施、科技创新等方面不断取得突破，硬实力让东方巨轮屹立于世界舞台。 然而，要实现共同富裕的宏伟目标，单有硬实力并不足够。金融领域的软实力建设，尤其是国际货币体 系中的话语权，已成为实现民族复兴的重要一环。长期以来，美元不仅凭借传统金融体系确立霸权，更 在数字时代通过稳定币延伸影响力，几乎垄断数字市场。由此带来的依赖与风险，已成为全球金融秩序 中的不稳定因素。 面对这一现实，中国选择主动出击。以数字化为契机，开启人民币国际化的新路径，用国家战略工程回 应时代呼声——铸元工程由此启航。 国家顶层设计，万亿级战略资金护航 铸元工程是在国家顶层战略部署下，由国家发展和改革委员会、财政部、中国人民银行联合推动的前所 未有的国家级金融战略工程。工程由铸元科技集团有限公司作为实施主体，形成了从政策到执行、从监 管到技术的全链条合力。 国家为此提供了空前力度的财政保障：首批 2万亿元专项资金，以外汇储备为根基，由中央财政专项账 户统一管理，并在国家审计体系的全程监督下运作，确保资金使用安全、透明、规范、高效。 这不仅 ...

在地域分布上，北京市的数字人才需求高度集中于海淀、大兴和朝阳三区，合计占总需求的77.33%。其中，海淀区作为北京科技与教育核心区，汇聚了大 量高科技企业、高校及科研机构，其数字人才需求占比高达48.19%，领先于其他区域。大兴区与朝阳区分别以18.87%和10.26%的占比位列第二、三位。 大会期间，海淀区还联合高校与企业共同发起数智人才培育计划，并揭牌成立了中关村网络与数据安全学院。 报告对北京十大高精尖产业的紧缺岗位需求规模和紧缺度进行了整体分析。结果显示，从整体技术领域来看，项目经理和产品经理的需求规模占比与紧缺度 双双位居高位，凸显了当前数字经济领域对能够推动产品市场应用与实现的人才最为渴求。与此同时，售前工程师、运维工程师、算法工程师等岗位虽需求 规模相对有限，但紧缺程度较高。电子工程师、实施工程师、售后工程师、C++开发工程师、自动化工程师的需求规模占比较大，集中反映了市场对软件技 术类人才的旺盛需求。 北京商报讯（记者 张茜琦）9月29日，在"2025全球数字经济大会第二届北京数字人才发展大会"上，《北京市数字人才培育和发展方向前瞻性研究报告》正 式发布，系统分析了本市数字人才的需求特征、培育 ...

Group 1 - The "2025 Global Digital Economy Conference and the Second Beijing Digital Talent Development Conference" was officially opened on September 29, focusing on the cultivation and development of digital talent in Beijing [1][3] - The report released by Beijing's Human Resources and Social Security Bureau highlights a growing demand for digital talent, particularly in high-tech industries such as integrated circuits and intelligent manufacturing, with a significant talent gap [3][4] - The average monthly salary for digital talent in high-demand sectors is notably high, with integrated circuits at 17,623.57 yuan, new energy smart vehicles at 17,264.67 yuan, and intelligent manufacturing at 16,836.64 yuan [3][4] Group 2 - The research report outlines the current status of digital talent cultivation in Beijing, emphasizing the establishment of a multi-level training platform and the goal of training 10,000 digital technology skilled personnel annually [4] - New policies and mechanisms have been introduced to support digital talent development, including the "Implementation Plan for Cultivating Digital Technology Skilled Talent" and the "Implementation Plan for Accelerating Digital Talent Cultivation (2024-2026)" [4] - The "Beijing Entrepreneurship" innovation competition attracted 198 projects for the inaugural digital talent special competition, showcasing the city's commitment to fostering digital talent [4][5]

Group 1 - The "2025 Global Digital Economy Conference and the Second Beijing Digital Talent Development Conference" was held in Haidian District, showcasing the importance of digital talent cultivation in the context of the digital economy [1][15] - The conference theme was "Industry as the Root · Intelligent Empowerment · Integrated Coexistence," highlighting the focus on digital talent development and the integration of AI in various sectors [3][5] - A report on the cultivation and development direction of digital talent in Beijing was released, analyzing the demand for talent in ten high-tech industries, indicating a high demand for application market product realization talent [7][11] Group 2 - The demand for digital talent in Beijing is concentrated in Haidian, Daxing, and Chaoyang districts, with Haidian accounting for nearly half of the total demand at 48.19%, reflecting its status as a technology and education hub [9] - The report outlines the current status of digital talent cultivation in Beijing, emphasizing the establishment of multi-level training platforms and the goal of training 10,000 digital technology skilled personnel annually [11] - A collaborative initiative called the "Smart Talent Cultivation Plan" was launched, involving government, universities, and enterprises to create a comprehensive talent cultivation ecosystem [13]

Core Insights - The rapid development of AI technology has led to the practical application of AI digital humans, becoming essential tools for digital transformation in enterprises [1] - Companies face challenges in selecting reliable AI digital human service providers, necessitating a professional selection guide based on various dimensions [1] Technical Strength - Strong technical research and development capabilities are crucial for excellent AI digital human providers, encompassing natural language processing, computer vision, and speech synthesis [6] - Key factors to consider include the background of the technical team, the proportion of R&D investment, and patent achievements [6] - The quality of digital humans is not only reflected in their realistic appearance but also in their interaction capabilities and adaptability to different scenarios [9] Application Scenario Adaptability - Different industries have distinct needs for digital humans, such as digital teachers for educational institutions, digital hosts for e-commerce, and digital customer service representatives for service industries [10] - The ability of a digital human provider to match solutions with specific business scenarios is essential [10] - For example, Henggu AI digital humans have successfully been applied in education, healthcare, and cultural tourism, enhancing training efficiency and allowing human teachers to focus on personalized guidance [10] Service Capability and Ongoing Support - The deployment and use of digital humans require continuous support from service providers, including demand analysis, solution design, implementation, and operational optimization [11] - Providers should also have the capability for regular updates and iterations as business needs and technologies evolve [11] - Evaluating the customer service system and successful case studies of the provider is important for ensuring valuable advice and support [11] Cost-Effectiveness Analysis - The investment in digital human projects includes initial development costs and ongoing maintenance and update expenses [11] - Companies should conduct a comprehensive return on investment analysis considering efficiency improvements, cost savings, and business growth [11] - An effective digital human solution can significantly reduce labor costs; for instance, a well-known company achieved over 30% reduction in labor costs by deploying Henggu AI digital humans for 24/7 customer service [11] Industry Development Trends and Selection Recommendations - AI digital human technology is evolving towards greater intelligence and personalization, with future digital humans expected to possess enhanced emotional perception and expression capabilities [12] - Companies should pay attention to the technology roadmap and development plans of digital human providers to ensure compatibility with future technological advancements [12] - Henggu AI Technology Company stands out in the digital human field due to its strong technical foundation and extensive industry experience, offering advanced and customizable solutions with successful applications across multiple sectors [12] - Selecting an AI digital human provider requires a comprehensive evaluation of technical, service, and cost factors to find the most suitable partner [12]

人民财讯9月29日电，企查查APP显示，近日，阿里巴巴(中国)有限公司多枚"通义灵眸"商标注册成功， 国际分类涉及社会法律、科学仪器等。公开信息显示，通义灵眸是阿里巴巴旗下通义大模型推出的数字 人生成与应用平台，提供从定制开发到多场景部署的一站式解决方案。 ...

XBIT Wallet 9月27日讯，美联储理事鲍曼在最新系列发言中强调"强烈支持美联储仅持有国债"并推动资 产负债表改革，这一政策信号正在深刻影响全球央行数字货币发展格局。在美联储货币政策框架重塑的 背景下，数字人民币钱包作为全球领先的央行数字货币基础设施，正迎来前所未有的发展机遇。 钱包安全问题在跨境场景下尤为关键。用户在使用数字人民币钱包进行国际交易时，必须确保私钥的绝 对安全。正确的助记词备份方法包括：将12个中文助记词按照正确顺序手写在防水防火的物理介质上， 分别存储在至少两个不同的安全位置，绝不能通过任何数字化方式保存。更重要的是，用户需要定期通 过钱包恢复功能验证助记词的有效性，确保在紧急情况下能够成功恢复钱包访问权限。 数字人民币钱包的技术架构在这一背景下显得尤为重要。作为央行数字货币的载体，数字人民币钱包的 私钥管理系统采用了国密算法SM2椭圆曲线加密技术，确保了256位私钥的绝对安全性。私钥是什么？ 简单来说，私钥是一个由随机数生成的独特数字签名，是用户控制数字资产的唯一凭证。在央行数字货 币体系中，私钥不仅代表着对数字人民币的控制权，更体现了国家货币主权在数字时代的技术实现。 XBIT ...