Core Viewpoint - The establishment of the Data Analysis Industry Education-Industry Integration Community marks a significant step towards addressing the structural contradictions in the supply and demand of digital talent, aiming to enhance the quality of development in the digital industry [1][4]. Group 1: Community Formation and Objectives - The Data Analysis Industry Education-Industry Integration Community was initiated by Shandong Kaichuang Group, Shandong University of Technology, and Rizhao Vocational College of Science and Technology, along with over a hundred industry units, to promote deep integration of education and industry [1][2]. - The community aims to address the challenges of digital talent cultivation and is seen as a key measure to couple the education chain, talent chain, and industry chain [1][3]. - The community's formation is aligned with national policies such as the "Education Strong Nation Construction Plan (2024-2035)" [1]. Group 2: Institutional Contributions and Resources - Rizhao Vocational College has developed a professional cluster layout that meets regional industrial needs, with teaching equipment valued at over 90 million yuan, and a high-level faculty team [2]. - Shandong University of Technology emphasizes the importance of seamless integration between enterprise needs and educational practices, moving from "bilateral cooperation" to "multi-party collaboration" in talent cultivation [3]. - Kaichuang Group has committed to nurturing high-quality digital talent through collaborative training bases and curriculum development, having already trained thousands of professionals in the digital economy [3]. Group 3: Strategic Importance and Future Directions - The community is seen as a vital platform for addressing industry development challenges and is expected to enhance the quality and efficiency of economic and social development [2][4]. - The establishment of the community is a response to the urgent need for high-quality talent that meets the demands of the digital economy and intelligent era [4][5]. - Future efforts will focus on deepening cooperation, resource sharing, and innovative operational mechanisms to ensure that talent supply aligns with industry needs [6][7].

一年卖 1.9 亿的数字人直播间，到底藏着什么秘密？ 帮哥是十多年的电商老兵，2013年做店铺运营，2018年开始做内容电商、图文带货，2019年开始孵化直播达人，2020年切入品牌的直播服务，2022年，随着 ChatGPT的爆火，他又开始做数字人的直播尝试，这一年，他的一个账号用数字人直播卖本地生活的景区门票、酒店优惠券等，一年做出了1.9亿元的直播 销售额。 不到10个数字人，让老管家团队一天多赚了20万-30万元。 2025年初，清洁品牌老管家在快手的店铺数量扩容至近10家，一个难题摆在面前：如果每个店铺都配置真人主播，人力成本飙升。看到竞品直播间里新出现 的数字人，他们也决定入场一试。 2月起，老管家陆续为旗下8-10家店铺开通了数字人直播，初期六七成的直播间都交给了数字人，没有培训、无须休息，数字人从早6点播到晚12点。几个月 后，老管家团队告诉第一财经记者，这批数字人"员工"在每家店铺日销少则几千，多则突破5万，近10家店铺累计高峰日销售额能达到20-30万元。 "一笔意外之喜！"老管家团队如此形容，如果没有数字人，这些店铺的直播端口根本无法开通，更谈不上产生GMV（商品交易总额）。 "永不疲惫 ...

走进新奥集团展厅，一个外形灵动、应答自如的小机器人——恩牛智伴，正微笑着为参观者讲解新奥的 产业生态布局。当有人问及"恩牛网如何支撑产业智能运营"时，它不仅能精准复述核心数据，还能结合 集团产业案例展开分析;当小朋友好奇地询问"你都懂些什么?"，它立刻用俏皮的语气回应并分享能源小 知识。这个能聊、懂行又亲切的数字人，正是世优科技与新奥集团深度合作的结晶，也标志着传统品牌 IP正式迈入"智能互动时代"。 IP"进化"，迎接AI时代新机遇 新奥集团创业32周年之际，推出了产业智能生态运营核心平台——恩牛网，恩牛智伴作为平台专属IP， 承载着传递品牌理念、链接用户的重要使命。世优科技以"技术赋能产业IP"为核心目标，从形象、交 互、知识三个维度完成升级改造，让恩牛智伴实现质的飞跃： 知识储备方面，技术团队将新奥32年发展历程、恩牛网运营逻辑、产业智能生态成果等核心信息，构建 成专属知识库并接入AI大模型，确保讲解内容的准确性与专业性，交互正确率高达98%。 在形象重构上，保留恩牛智伴科技感基因的同时，通过精细化建模优化面部微表情与肢体动作，使其讲 解时的手势、眼神更贴合人类交流习惯，提升视觉亲和力。 在交互层面，新 ...

Key Insights - The rapid development of the green finance market has led to an increase in relevant information and data, with a focus on the latest trends and practices in green finance to provide decision-making references for stakeholders [1] Group 1: Digital Currency and Green Finance - The digital RMB app has launched a carbon-inclusive service to enhance the application of digital RMB in green finance, allowing users to accumulate carbon credits from their low-carbon behaviors and exchange them for digital RMB [3] - This initiative is seen as a significant step by the People's Bank of China to encourage public participation in green low-carbon actions, linking personal green behavior with monetary incentives [3] Group 2: Policy Optimization in Green Financing - Jiangsu Province has optimized the "Environmental Base Loan" policy to expand support, enhance interest subsidy effectiveness, and strengthen financing guarantees, including the removal of financing limits and an increase in interest subsidy rates from 1% to 1.5% [4][5] - The policy aims to simplify application processes and improve loan issuance efficiency, addressing funding challenges for industrial enterprises in emission reduction [5] Group 3: Carbon Market Performance - The national carbon market saw a maximum price of 83.00 CNY per ton last week, with a closing price increase of 1.78% compared to the previous week [6] - The total transaction volume for carbon emission allowances reached 4,688,068 tons, with a total transaction value of approximately 352 million CNY [7] Group 4: Green Financial Instruments - Gansu Province issued the first "green infrastructure + regional coordinated development" dual-dimension sustainable bond in China, with a scale of 2 billion CNY and a 3-year term, linking the interest rate to specific performance targets [8][9] - Swire Properties successfully issued a 5-year, 500 million USD green bond with a coupon rate of 4.25%, reflecting strong market demand with an oversubscription of over four times [10] - The proceeds from the bond will be used for sustainable building projects and refinancing existing green projects, enhancing transparency and responsibility in fund usage [10]

Core Viewpoint - The company Dongxin Peace has seen a significant increase in stock price, driven by its strategic focus on digital currency, eSIM products, quantum security, and traditional business upgrades [1]. Group 1: Stock Performance - As of 10:34 AM, Dongxin Peace's stock rose by 10.00%, marking two consecutive days of trading limits [1]. - The latest stock price is 27.71 yuan, with a total market capitalization of 16.084 billion yuan [1]. - The stock has a trading volume of 1.962 billion yuan and a turnover rate of 12.54% [1]. Group 2: Business Focus - The market is paying attention to Dongxin Peace's digital RMB business, eSIM product layout, quantum security initiatives, and upgrades to traditional business strategies [1]. - The company has implemented digital RMB hardware wallets and terminal products in various high-frequency application scenarios, including enterprise parks and consumer services [1]. - eSIM-related digital identity module products are being applied in diverse fields such as vehicle networking, industrial IoT, and consumer electronics [1]. Group 3: Strategic Developments - Dongxin Peace is actively researching and developing post-quantum cryptography technology as part of its quantum security strategy [1]. - The company is executing a "retain existing customers and expand new customers" strategy to strengthen its traditional business while transitioning to digital identity security [1]. - Starting January 1, 2026, the digital RMB will enter version 2.0, allowing interest payments based on bank deposit rates, with ongoing upgrades to mechanisms and technical architecture [1].

Core Viewpoint - The concept of "black swan events," introduced by Nassim Nicholas Taleb, refers to rare and unpredictable occurrences that can have significant impacts, such as financial crises, pandemics, and wars, leading to market volatility [1] Group 1 - Investors should enhance their risk resilience through diversification and maintaining liquidity rather than attempting to predict such events [1] - The Zhejiang Investor Education Base emphasizes the importance of investor relations and focuses on providing financial information services [1] - The organization explores an "Internet + Investor Education" model, combining online and offline methods to make investor education services more accessible [1]

Core Viewpoint - The digital renminbi has officially transitioned from the "digital cash era" to the "digital deposit currency era" as of January 1, with the introduction of interest on digital renminbi balances through the upgraded digital renminbi App version 2.0 [1] Group 1: Interest Calculation - The interest on digital renminbi will be calculated similarly to that of demand deposits, with the current interest rate set at 0.05% as per the announcements from the ten designated operating institutions [1] - The ten designated operating institutions for digital renminbi include major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and others [1] Group 2: Eligibility for Interest - Only real-name digital renminbi wallets are eligible to earn interest, as wallets opened using just a mobile phone number cannot ensure accurate account verification for interest calculation and payment [2] - Interest settlement dates are set for March 20, June 20, September 20, and December 20 each year, with users able to check their interest amounts in the digital renminbi App after these dates [2] Group 3: Future Financial Products - The transition to a digital deposit currency will enable banks to utilize digital renminbi deposits as a funding source, potentially leading to the development of more deposit, wealth management, and credit products [3] - This shift is expected to enhance banks' motivation to promote digital renminbi, creating a comprehensive ecosystem of "payment + finance" [3]

人民财讯1月11日电，近日，楚天龙（003040）在河北睿通高速公路联网运营有限责任公司指导下，与 交通银行河北分行、北京速通全资子公司易路行公司共同完成数字人民币在高速ETC通行场景的首创落 地，各项技术指标、支付体验均达到预期标准。 ...

Core Viewpoint - The digital renminbi has officially transitioned from the "digital cash era" to the "digital deposit currency era" as of January 1, with the launch of the upgraded digital renminbi App 2.0, which now offers interest on deposits [1] Group 1: Interest Calculation - The interest on digital renminbi will be calculated similarly to that of demand deposits, with the current interest rate set at 0.05% as announced by the ten designated operating institutions [2] - The ten designated institutions include major banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and others [2] Group 2: Eligibility for Interest - Only real-name digital renminbi wallets are eligible to earn interest, as wallets opened using just a mobile phone do not allow for accurate account verification and interest calculation [3] - Interest will be credited on specific dates: March 20, June 20, September 20, and December 20, and users can check their interest amounts in the digital renminbi App after these dates [3] Group 3: Future Financial Products - The introduction of interest-bearing digital renminbi deposits is expected to enhance banks' motivation to promote these products, potentially leading to the development of more deposit, wealth management, and credit products [4] - This shift aims to create a comprehensive ecosystem that integrates payment and financial services [4]

Core Viewpoint - The demand for digital humans has shifted from single-function implementation to deep integration across multiple systems and scenarios, addressing challenges such as fragmented technology stacks and poor interface compatibility [1][10]. Group 1: Banana API Integration - The Banana API provides a standardized and highly compatible "technical bridge" that integrates the core capabilities of digital humans with the flexibility of existing business systems, allowing for a "one-time access, all-domain invocation" solution [1][10]. - Traditional digital human integration often fails due to mismatched interface protocols and incompatible data formats, but the Banana API eliminates these barriers through a unified technical architecture and protocol standards [2][10]. - The "multi-end adaptation" feature of the Banana API allows digital humans to automatically recognize and adapt to different interaction scenarios, significantly reducing integration costs and enhancing service coverage [2][5]. Group 2: Dynamic Scalability - The Banana API's low-code configuration engine enables businesses to quickly adapt digital humans to new scenarios without modifying code, allowing for rapid adjustments through a visual interface [5][10]. - For instance, an educational institution can switch a digital human from a "daily Q&A" mode to a "course recommendation" mode by simply uploading new course materials and setting recommendation rules [5][10]. Group 3: Multi-Modal Interaction - The Banana API enhances user experience through deep collaboration in multi-modal interactions, allowing for comprehensive analysis of user inputs across voice, text, images, and actions [6][10]. - This multi-modal perception and output generation ensure that digital humans can respond in a more natural and human-like manner, breaking the barriers of mechanical interaction [6][10]. Group 4: Security and Control - Security and controllability are foundational to the long-term application of digital humans, with the Banana API implementing end-to-end encryption and localized deployment options to protect sensitive data [7][10]. - The API adheres to data minimization principles and provides real-time monitoring features to ensure compliance with industry regulations [7][10]. Group 5: Open Ecosystem - The Banana API fosters collaborative innovation in the digital human ecosystem by providing lightweight access solutions for developers and research institutions [9][10]. - This open ecosystem accelerates the iteration of digital human technology and reduces innovation costs for enterprises, allowing them to explore new scenarios and models without reinventing the wheel [9][10].