编辑：穆皓 直播采用沉浸式虚拟场景搭建与实时互动设计，将专业金融知识转化为更易理解的通俗内容；同时，数字人 主播 "姜鸽" 的亲切形象有效拉近与观众距离，显著提升内容传播力与受众接受度。截至当日15 时，直播累 计观看量达 4940人次，观众互动留言踊跃，成功实现网络安全与金融教育知识的高效传递。 此次数字人直播是交行海南省分行积极响应国家宣传号召的具体举措，既是金融科技赋能网络安全宣传的创 新尝试，也是以数字化手段推进金融教育普及的生动实践。未来，交通银行将继续以金融科技为驱动，不断 探索创新金融知识宣传教育形式与载体，为公众筑牢财产安全防线、提升公众金融素养持续贡献交行力量。 （杨少琴） 2025年金融教育宣传周与国家网络安全宣传周同期开展之际，交通银行海南省分行于9月16日中午12时，策 划推出"金融网络安全"数字人专场直播，将两项重要宣传活动深度融合，以创新形式践行金融知识普及与网 络安全守护使命。 本次直播紧扣"网安为民、网安靠民"主旨，由交行海南省分行数字人员工"姜鸽"担任主讲。直播过程 中，"姜鸽"通过AI数字人动态演示与真实案例拆解相结合的方式，一方面系统讲解安全使用金融科技产品、 识别 "A ...

灵感岛特别在现场设置灵感岛AI数字人互动体验区，现场嘉宾仅需拍摄1张个人照片，即可生成高拟真 数字人分身，还能选择中文、泰语、马来语等东盟国家语言，定制专属AI数字人祝福视频。 本届东博会上，灵感岛以"越南榴莲商户拓展中国市场"为应用场景，通过AI图生视频、AI视频智能混剪 +全球社媒一键分发、超写实数字人生成、AI数字人直播四大核心功能，现场演示如何借助AI技术破解 跨境营销中的语言障碍、文化差异、落地成本高等痛点，助力东盟特色产品高效进入中国乃至全球市 场。 其中，AI电商图生视频方面，依托先进算法，仅需1张产品白底图，即可智能生成多场景、多风格的高 品质营销视频，拍摄成本降低60%以上，生产效率提升数十倍。 超写实数字人生成方面，基于天下秀自研高精度建模技术，生成表情生动、动作自然的超写实数字人， 支持15国语言输出，可广泛应用于品牌代言、智能客服、跨境直播等场景。 9月17日，第22届中国—东盟博览会在广西南宁开幕。记者从公司获悉，天下秀（600556）携AI智能平 台灵感岛、TOPKLOUT克劳锐等核心创新成果亮相该馆，以"AI技术+创新内容"双轮驱动，为这场国际 经贸盛会注入红人经济新活力。 位于 ...

一笔百万元级别的国际货款，从上海汇出，抵达美国账户只用了7秒，手续费仅1元。 上海这座金融城市，是否真的有机会在未来十年内，挑战纽约和伦敦融中心长达百年的地位？ 纽约和伦敦的地位，是建立在数十年甚至上百年形成的资本制度，后来者极难逾越。 但竞争的赛道本身正在被重构，上海的目标并非在旧跑道上追赶，而是要利用"金融科技"这条新赛道，改变 游戏规则。 传统金融中心的强大之处，在于其规则的确定性。全球资本之所以流向纽约华尔街和伦敦金融城，是因为那 里有最完备的法律体系、最丰富的金融产品。 但上海的打法完全不同。早在2020年1月，上海就发布了《加快推进上海金融科技中心建设实施方案》，明 确提出要用5年时间，将上海建设成为具有全球竞争力的金融科技中心。 当老牌中心的银行还在优化其复杂的内部系统时，上海的金融机构已经开始大规模应用人工智能、区块链和 大数据，从根本上改变信用评估和服务交付的方式。 对于个人而言，金融服务正在从过去的"大锅饭"模式，进化到精准的"千人千面"。比如，上海银行与蚂蚁数 科合作推出的AI手机银行，以及浦发银行的AI财富管家，它们不再是简单地推荐几款理财产品。 "人工智能"、"区块链"，这些词汇听起 ...

据悉，百度慧播星数字人技术基于文心大模型4.5 Turbo构建，实现了多项技术突破。分析人士认为，数字人业务正在成为百度新的增长曲线，其商业化前 景获得资本市场认可，或是推动本轮股价上涨的重要催化剂。 百度集团-SW(9888.HK)盘中一度大涨近20%报135.4港元，创2年新高；最终收涨15.72%，报131港元。百度集团近20个交易日内累涨超50%，表现强劲。 公司管理层电话会披露，第二季度数字人相关业务收入约5亿元，环比增长55%，呈现加速增长态势。值得注意的是，知名主播罗永浩日前官宣将于下周 在百度优选加播两场数字人直播。数据显示，其数字人首秀直播观看人次超1300万，GMV突破5500万元，部分核心品类带货量甚至反超真人直播。 行业层面，百度慧播星数字人技术的突破性进展正引发全球AI巨头跟进布局。据悉，Anthropic计划明年投入10亿美元建设AI训练基础设施，OpenAI也预 计到2030年在数据相关领域投入80亿美元，重点开发能够执行复杂工作的"虚拟员工"。 ...

Core Viewpoint - The article emphasizes the importance of fair competition policies in the context of China's rapidly evolving digital economy and the global landscape of multinational enterprises [1] Group 1: Fair Competition Policies - The theme for the 2025 Fair Competition Policy Promotion Week in China is "Unified Market, Fair Competition Future" [1] - Recent developments include the implementation of the "Fair Competition Review Regulations" and the establishment of various guidelines to strengthen the legal foundation for fair competition [1] - The focus is on accelerating the construction of a unified national market, which has seen significant progress in recent years [1] Group 2: Investor Education - The Zhejiang Investor Education Base aims to enhance investor relations through a focus on financial information services [1] - The organization is exploring an "Internet + Investor Education" model, combining online and offline methods to make investor education services more accessible [1]

Company Highlights - Baidu Group's stock surged nearly 20% during trading, reaching a two-year high of HKD 135.4, and closed up 15.72% at HKD 131 [1] - Over the past 20 trading days, the company's stock has increased by more than 50%, indicating strong performance [1] - The management disclosed that revenue from digital human-related businesses in Q2 was approximately RMB 500 million, representing a 55% quarter-over-quarter growth, showcasing an accelerating growth trend [1] Industry Insights - Notable influencer Luo Yonghao announced two upcoming digital human live broadcasts on Baidu Youxuan, with his debut live stream attracting over 13 million viewers and generating a GMV of over RMB 55 million, with some core product categories outperforming live broadcasts by real people [1] - Baidu's Huibo Star digital human technology has made significant breakthroughs, prompting global AI giants to follow suit; Anthropic plans to invest USD 1 billion next year in AI training infrastructure, while OpenAI expects to invest USD 8 billion in data-related fields by 2030, focusing on developing "virtual employees" capable of complex tasks [1] - Baidu's Huibo Star digital human technology is built on the Wenxin large model 4.5 Turbo, achieving multiple technological breakthroughs; analysts believe that the digital human business is becoming a new growth curve for Baidu, with its commercialization prospects recognized by the capital market, which may be a key catalyst for the recent stock price increase [1]

Group 1 - The 22nd China-ASEAN Expo opened in Nanning, Guangxi, with iFLYTEK as the AI partner providing multilingual translation services [1] - iFLYTEK showcased its AI capabilities through real-time translation in seven languages, digital human hosts, and instant generation of meeting summaries and key highlights [1][2] - The AI simultaneous interpretation solution, iFLYTEK Tongchuan, integrates real-time machine transcription, AI subtitle display, and multilingual voice synthesis [1] Group 2 - The digital human hosts presented at the opening ceremony highlighted key terms such as "China-ASEAN Free Trade Area" and "Belt and Road" through a keyword cloud [2] - iFLYTEK plans to release several products during the expo, including the Spark ASEAN multilingual model, iFLYTEK translation SaaS platform, and the iFLYTEK bilingual translation machine 2.0 [2]

与传统支付方式相比，依托数字人民币线上操作、钱包开立快捷等优势，投保过程简便快捷，缴费时间 大幅缩短，有效提升客户体验；同时，数字人民币具有"支付即结算"特点，可大幅提升保险公司资金结 算效率，降低交易成本。 下阶段，中行宁波市分行将持续推进创新发展，强化保险保障功能，聚焦重点领域和区域，积极推动数 字人民币多元化应用场景，拓展数字人民币价值链条，让更多市民享受到数字化金融服务的便捷与安 全。（冯晨峰） 转自：新华财经 近年来，中国银行宁波市分行坚持加大数字经济创新能力，与稳民生、促消费深度融合，取得扎实成 效。 以数字人民币为抓手，中行宁波市分行持续助力宁波市校园安全建设，创新"甬学保"参保支付场 景。"甬学保"是宁波市首创的普惠型数智化学生平安保险，旨在高质量推进"甬有优学"行动，给全市中 小学生及幼儿园幼儿提供更完善的安全保障。自2023年以来，该行创新"数字人民币+普惠保险"支付场 景，累计超3.5万人次通过该场景缴纳保费，保费总额超450万元。 编辑：赵鼎 ...

Core Viewpoint - The evolution of currency forms is driven by technological advancements and economic development, leading to the necessity of central bank digital currency (CBDC) as an upgrade to legal tender [1][2][3] Group 1: Historical Context and Currency Evolution - Historical changes in currency forms include the transition from barter to shell money, metal currency, and the first paper currency in the Song Dynasty, culminating in the current need for CBDC due to advancements in digital economy and payment technologies [1] - The competition between state-issued and privately issued currencies has historically impacted the stability of financial systems, necessitating a unified legal tender to mitigate risks associated with multiple currency issuers [1] Group 2: Role of Central Banks - Central banks act as lenders of last resort, providing liquidity to banks and ensuring the safety of collateral assets through stringent regulations and deposit insurance mechanisms [2] - The evolution of the currency system reflects a shift from private to state credit, with the stability and liquidity of legal tender being paramount principles regardless of technological changes [2] Group 3: Digital Currency Development - To align with the digital economy and ensure the singularity of the RMB, China is advancing the issuance of legal digital currency, known as digital RMB, and upgrading financial infrastructure [3] - The digital RMB has progressed through theoretical research, closed-loop trials, and open trials since 2014, with applications in various sectors such as retail, hospitality, education, and public services [3] Group 4: Framework and Implementation - The digital RMB operates under a macro framework where it is a direct liability of the central bank, requiring 100% reserve backing, which necessitates enhancing its currency derivation capacity as the economy grows [3][4] - Commercial banks are responsible for wallet management, fund security, payment services, and compliance, while the digital RMB's current structure should align responsibilities with rights and benefits [3] Group 5: Future Directions - Upgrading the measurement framework of digital RMB is essential to ensure that the money supply aligns with economic growth and price expectations, while also enhancing the engagement of commercial banks and users [4]

Core Insights - The launch of "Yibaoer (Liaoxiaobao)" marks a new phase in the digital and intelligent transformation of public medical insurance services in Liaoning Province [1][2] Group 1: Service Features - "Yibaoer (Liaoxiaobao)" provides 24/7 standardized services for policy consultation, business processing guidance, and insurance information inquiries, effectively filling the service gaps during off-hours [1] - The AI digital assistant can accurately understand and respond to various medical insurance inquiries, including payment and reimbursement issues, by aggregating the latest policies and guidelines [1] - Personalized service information is pushed to users based on big data analysis, catering to specific demographics such as students and elderly users with tailored features [1] Group 2: Application and Integration - The AI service is integrated into platforms like Alipay, allowing users to access it through various search functions and enjoy instant responses [2] - The establishment of a unified medical insurance information platform in Liaoning has facilitated information connectivity, laying the groundwork for "one-stop service" [2] - High-frequency services such as appointment scheduling, online medication purchases, and inter-provincial medical treatment registration have been streamlined for user convenience [2]