Group 1 - The new generation of digital RMB will officially be implemented on January 1, 2026, with significant changes including the ability to earn interest, transforming its nature from cash to deposits [1] - For commercial banks, digital RMB deposits will become a source of usable funds, enhancing their motivation to participate in the digital RMB ecosystem and allowing for the development of more deposit, wealth management, and credit products [1] - Individuals and enterprises will benefit as digital RMB wallets will start to earn interest like demand deposits, providing returns on held digital RMB [1] Group 2 - The digital RMB will be supported and regulated by the central bank, with commercial banks responsible for customer security and compliance, including anti-money laundering responsibilities, and will be included in the deposit insurance scheme with a maximum compensation limit of 500,000 RMB [2] - Unlike WeChat Pay and Alipay, which are payment tools that access bank-held funds, digital RMB is essentially "money" in digital form, allowing for transactions without fees and functioning offline [2] - Digital RMB offers enhanced privacy protection, collecting less transaction information and not sharing it with third parties [2]

Group 1 - The event "AI Digital Human Li Bai Interactive Theme Show" will take place in Gankeng Ancient Town from January 1 to January 3, 2026, as part of the "All in AI" strategy to integrate culture and tourism with technology [1][4] - The AI digital human Li Bai will engage with visitors through various activities, including reciting poetry, singing, and performing stand-up comedy, creating an immersive cultural experience [4][6] - The initiative aims to attract young people by making traditional culture more accessible and engaging, showcasing the charm of Hakka culture through interactive experiences [6] Group 2 - The AI digital human will be able to interact with visitors on topics such as the history of the ancient town, poetry, travel tips, and food recommendations, enhancing visitor engagement [6] - Participants will have the opportunity to win surprise blind boxes and vouchers from local merchants, adding an element of excitement to the event [6] - The event is a collaboration between multiple organizations, including the Jihua Street, Longgang District Cultural, Radio, Television, Tourism and Sports Bureau, and NuwaAI, highlighting a strong partnership in promoting cultural tourism [1][4]

Core Viewpoint - The People's Bank of China announced a systematic upgrade to the digital yuan starting January 1, which will now offer interest, enhancing user willingness to adopt it and expanding its usage scenarios, thereby solidifying China's leading position in the global central bank digital currency exploration [1] Group 1: Digital Yuan Characteristics - The digital yuan is a legal digital currency issued by the People's Bank of China, equivalent to paper currency in legal status, representing the digital form of the renminbi [2] - It features legal tender status, meaning it cannot be refused by any individual or institution in China [2] - The digital yuan supports controlled anonymity for small transactions while allowing traceability for larger or suspicious transactions, aiding in the fight against money laundering and fraud [2] - It enables offline payments through a "tap" function, expanding payment scenarios even without internet access [2] - The dual-layer operational system involves the central bank managing issuance and lifecycle, while commercial banks handle public exchange and circulation, ensuring monetary sovereignty and leveraging banks' service networks [2] - The underlying technology reduces payment costs and enables real-time cross-border payment settlements, significantly shortening transaction times from 3-5 days to seconds [2] Group 2: Impact of Digital Yuan Upgrade - The introduction of interest on digital yuan wallets will encourage users to adopt it, with initial interest rates aligned with current savings rates [5] - Financial services associated with digital yuan will gradually align with traditional deposit services, expanding its use beyond cash [5] - The upgrade is expected to create a win-win situation for businesses and individuals, providing interest income and diverse financial products, while banks gain operational incentives [5] Group 3: Development and Future Prospects - Since its research began in 2014, the digital yuan has seen successful trials in various sectors, marking a significant evolution in China's financial system from "digital cash" to a more comprehensive "digital financial base" [7] - As of November 2025, the digital yuan has processed 3.48 billion transactions totaling 16.7 trillion yuan, with 230 million personal wallets opened [7] - The digital yuan is anticipated to play a crucial role in promoting consumption upgrades, optimizing monetary policy transmission, and enhancing financial services for the real economy, contributing to the international digital currency landscape [7]

Core Insights - China Industrial and Commercial Bank has obtained a patent for a "customer service question and answer method, device, equipment, storage medium, and computer program product" with the authorization announcement number CN114694224B, applied for on March 2022 [1] Company Overview - China Industrial and Commercial Bank was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of the company is approximately 35.64 billion RMB [1] - The company has made investments in 28 enterprises and participated in 5,000 bidding projects [1] - The bank holds 986 trademark information entries and 5,000 patent information entries, along with 77 administrative licenses [1]

近期诈骗类型 不法分子打着"数字人民币推广"的旗号，在微信公众号、视频号、抖音、小红书等网络平台发布虚假消 息和联系方式，以高额回报等话术为诱饵，诱导用户加入聊天群组，并在群内开展考试、会议课程等活 动，进一步"洗脑"诱导用户"拉人头"招募新用户加入，企图实施诈骗。上述行为侵害了用户的财产权益 和个人隐私。 部分违规内容示例 反诈提示 温馨提醒广大公众 数字人民币是数字形式的法定货币，采用"央行-数字人民币业务运营机构"双层运营架构，未设立任何 民间推广中心，不存在数字人民币推广员考试。数字人民币不具有炒作空间，不存在所谓"兑换补 贴"或"流水返佣"，不会通过鼓吹高额佣金或炒币高回报等方式诱导用户泄露个人敏感信息和参与传 销。数字人民币相关金融业务均由持牌金融机构提供，获取合法合理收益。高收益往往伴随高风险，面 对承诺"高额回报""稳赚不赔"的数字人民币投资，要保持清醒，切勿相信。请广大公众谨防上当受骗， 避免自身经济利益损失。 谨防诈骗，牢记"四不" 不图高额返利 数字人民币是数字形式的法定货币，没有所谓补贴、红利。请警惕任何高额回报、兑换补贴、稳赚不赔 的承诺。 不搞"拉人头" 数字人民币由指定商业银行或 ...

Core Viewpoint - The People's Bank of China (PBOC) is set to officially launch a new generation of the digital renminbi (e-CNY) on January 1, 2026, transitioning from a cash-based model to a deposit currency model, enhancing the resilience and security of the payment system [1][5][8]. Group 1: Development Progress of Digital Renminbi - The development of digital renminbi began in 2014, with theoretical research and closed testing initiated by the PBOC [2]. - The pilot program for digital renminbi officially started at the end of 2019, initially in cities like Shenzhen and Suzhou, and has since expanded significantly [2]. - By November 2025, digital renminbi had processed 3.48 billion transactions, amounting to 16.7 trillion yuan [4]. Group 2: Reasons for Adjustment - The need to respond to rapidly evolving digital payment tools and the challenges they pose to central bank monetary control is a primary reason for the adjustment [6]. - There is a necessity to balance the development of digital cash with the risks of financial disintermediation and to ensure the responsibilities of commercial banks are upheld [6][7]. - The adjustment aims to integrate centralized management with decentralized blockchain characteristics, ensuring compliance with regulatory requirements [7]. Group 3: Content and Feasibility of Adjustments - The action plan outlines a shift from a digital cash model to a digital deposit currency model, with the PBOC providing technical support and regulatory oversight [8]. - The dual-layer operational framework will be optimized, where the central bank issues the currency and designated operating institutions manage wallet services for individuals and non-financial enterprises [9][12]. - The digital renminbi will be treated as a commercial bank liability, allowing for interest payments on wallet balances, thus enhancing user incentives [14][21]. Group 4: Technological Choices - The digital renminbi will be based on an account system, leveraging the advantages of existing banking infrastructure while incorporating smart contract technology for enhanced functionality [16][17]. - Blockchain technology will be utilized to ensure security and traceability in transactions, particularly in complex financial scenarios [18]. Group 5: Financial Regulation - The PBOC will establish a management committee for digital renminbi to oversee operations and ensure system security and continuity [19]. - A separation of management and operational functions will be implemented to enhance regulatory effectiveness while fostering innovation [19]. Group 6: Strategic Confidence and Development - The steady development of digital renminbi is seen as a necessary response to external pressures and a means to strengthen national strategic confidence [20]. - The transition from M0 to M1 and M2 for digital renminbi aims to enhance its usability and integration into the broader financial system, supporting macroeconomic stability [21][22].

南财智讯12月30日电，广电运通在投资者关系活动中表示，公司推出的数字人民币外币兑换机支持港 币、美元、英镑、日元、欧元等主要货币实时兑换，可在机场、口岸、涉外酒店、银行网点等场景提供 7*24小时自助服务，已在杭州亚运会投入使用，并在中国工商银行、农业银行、建设银行、交通银行、 广发银行等多家银行落地。公司未来将持续依托全球本地化战略，深耕欧洲、亚太、美洲市场，加快东 南亚、中东、拉美等区域突破，并将国内交通领域创新产品推广至海外，拓展业务增长空间。 ...

Core Points - The signing ceremony for the collaboration on vocational skills training between Zaozhuang Vocational College of Science and Technology and Zhongwen Cloud Digital Technology Co., Ltd. took place on December 29 [3] - The college aims to achieve significant influence nationally and to be a top institution within the province, having made notable progress in skill competitions and educational quality [3] - Zhongwen Cloud Digital Education Group expressed a desire for deep collaboration in cutting-edge fields such as artificial intelligence and low-altitude economy [3] Group 1 - The collaboration focuses on the new demands of regional economic development, particularly in professional co-construction and talent cultivation models in artificial intelligence and low-altitude economy [3] - Both parties reached a consensus on creating an ecological loop of "education empowering industry, and industry feeding back into education" [3] - The agreement on collaborative vocational skills training was formally signed by representatives from both sides [3] Group 2 - Future cooperation will be driven by a four-dimensional linkage of "policy guidance—technological innovation—industry application—talent cultivation" [3] - The aim is to effectively implement the cooperation content and transform educational resources into advantageous industrial resources [3] - This initiative is expected to inject strong new momentum into the high-quality development of the regional economy [3]

就在这周，一则重磅消息在金融圈炸了锅。 但奇怪的是，我们小县城的朋友圈里，大家还在乐呵呵地刷着短视频，完全不知道一场"钱包革命"已经悄悄杀到了家门口。 你绝对想不到，这次数字人民币的调整，根本不是简单的"换个支付方式"，而是直接把手伸进了我们每个人的存折里。 我邻居王姨昨天去银行存钱，随口问了一句理财经理，结果对方的一番话，让她当场冷汗直流。 实话实说，咱们普通老百姓过日子，最怕的不是没钱，而是手里的钱"变了味"。 痛点一：你以为是现金，其实是"存款" 以前数字人民币就是M0（纸币替代），放在那里不生钱。现在新规一出，它变成了M1（存款替代）。 看着是好事能有利息了，但这背后的逻辑你细品：一旦变成存款，是不是就得受"取款限制"？是不是就得被大数据监控得死死的？ 痛点二：老年人的"数字鸿沟"变成了"数字天堑" 以前我妈去菜市场买菜，掏出纸币就能付。现在倒好，新规推行"全面数字化"，以后是不是连卖葱的大爷都只认二维码？ 那些玩不转智能手机的老人，在这个"无现金社会"里，不就成了寸步难行的"现代文盲"吗？ 什么意思？举个真实的例子： 2025年12月，某地发补贴，结果全是数字人民币红包。很多人想着领了钱去存起来或者 ...

格隆汇12月30日丨神思电子(300479.SZ)在互动平台表示，公司的相关产品已为能源、医疗、公交、餐 饮等领域提供服务。公司将跟随行业发展，不断探索数字人民币生态下新的商业模式。目前公司数字人 民币业务营业收入占比较小，未对公司经营业绩产生重大影响。 ...