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数字人民币“碰一碰”试点再扩围!记者实探上海地铁“一卡过闸”
Hua Xia Shi Bao· 2025-07-02 09:19
Core Viewpoint - The pilot program for digital RMB is expanding into high-frequency scenarios, particularly in Shanghai's public transportation system, enhancing payment efficiency and convenience for users [1][2][3]. Group 1: Digital RMB Implementation - The digital RMB "tap and go" feature has been successfully implemented across the entire Shanghai metro network, allowing passengers to use various digital wallets for seamless entry [1]. - The Shanghai metro system operates over 896 kilometers with 21 lines and 517 stations, handling more than 77% of the city's public transport volume daily [2]. - The implementation involved extensive testing and collaboration among multiple stakeholders, including the Shanghai Municipal Financial Office and various banks [3]. Group 2: Cross-Border Payment Advantages - Digital RMB offers advantages in cross-border payments, such as reduced intermediary costs, low fees, and near real-time transactions, which are particularly beneficial for foreign visitors [4][7]. - The design of the digital RMB wallet ensures user privacy and simplifies the account opening process, which could enhance the internationalization of the RMB [4][7]. - The People's Bank of China has announced plans to establish a digital RMB international operation center to promote its global use [4]. Group 3: Expansion and Challenges - The digital RMB pilot has expanded to 26 regions across 17 provinces, with applications in various sectors, including retail, healthcare, and public services [7]. - Despite rapid development, challenges remain in achieving widespread adoption, including the need for a viable business model and user habit formation [8][9]. - The digital RMB's success will depend on overcoming barriers related to scene coverage, user acceptance, and the establishment of unified technical standards [9].
一文带你了解数字人民币
Sou Hu Cai Jing· 2025-07-02 04:08
Core Insights - The digital yuan (e-CNY) represents a significant transformation in currency forms, moving from physical to electronic and then to digital, with strategic implications for internationalization, monetary policy, and financial inclusivity [2][12] - The digital yuan is a legal digital currency issued by the People's Bank of China, distinct from cryptocurrencies, and is backed by state sovereignty [2][5] - The digital yuan's development has been rapid, with pilot programs expanding geometrically since 2020, showcasing China's leadership in the central bank digital currency (CBDC) space [5][9] Digital Yuan Features - The digital yuan employs a centralized architecture with a "one currency, two libraries, three centers" model, ensuring state control over issuance while enhancing transaction transparency and user privacy [3][5] - Key features include anonymous small transactions, traceable large transactions, and offline payment capabilities, which enhance convenience and security [3][7] - The digital yuan has penetrated various sectors, including retail, transportation, and government services, significantly improving financial service efficiency [7][9] Development Timeline - The journey of the digital yuan began in 2014 with the establishment of a research group, leading to a structured exploration of digital currency frameworks and technologies [5][11] - Following the establishment of the Digital Currency Research Institute in 2017, the digital yuan entered the development phase, with internal trials starting in 2020 [5][11] - By 2024, the digital yuan had seen the opening of 180 million personal wallets and transaction amounts exceeding 7.3 trillion yuan, indicating a rapid adoption rate compared to other countries' CBDCs [5][9] Strategic Implications - The rise of the digital yuan is reshaping the international monetary system, providing alternatives to the US dollar for countries involved in the Belt and Road Initiative [9][12] - The digital yuan's design allows for more precise monetary policy implementation and enhances financial inclusivity while balancing privacy and regulatory needs [9][11] - The digital yuan is expected to drive a trillion-dollar fintech market, fostering innovation across the entire industry chain [9][12] Future Trends - Future developments of the digital yuan will likely involve deeper technological integration and broader ecosystem expansion, with projections indicating that cross-border settlement volumes could account for 15% of total RMB internationalization by 2030 [11][12] - The introduction of regulatory frameworks will clarify the responsibilities of market participants, supporting the sustainable development of the digital yuan [11][12]
今年以来数字人民币生态持续优化
Zheng Quan Ri Bao· 2025-07-01 16:49
Core Insights - The digital RMB "tap and go" trial has expanded to cover the entire Shanghai rail transit network, enhancing payment convenience and accessibility [1][2] - Various cities, including Beijing, Guangzhou, and Shanghai, have launched digital RMB pilot programs, focusing on expanding application scenarios and optimizing the digital RMB ecosystem [1][4] Group 1: Development and Application - The digital RMB "tap and go" feature supports cross-institutional interoperability, allowing passengers to use any digital RMB wallet to access Shanghai's metro system [2] - The digital RMB has been integrated into public transportation across multiple cities, including Qingdao, Suzhou, Shenzhen, Hainan, and Beijing, covering various modes of transport [2] - In the consumer promotion sector, local governments have issued digital RMB consumption red envelopes to stimulate spending, such as a million yuan initiative in Shenzhen [2] Group 2: Cross-Border Payment and Innovation - Cross-border payment has emerged as a highlight in the development of digital RMB, with pilot banks actively participating in the multilateral central bank digital currency bridge project [2][5] - The digital RMB is addressing payment pain points, such as offline payments in areas without internet access, and is continuously innovating its functionalities [3][5] - The digital RMB's features, such as traceability for large transactions and conditional unlocking of prepaid funds, are enhancing compliance and security in payments [3] Group 3: Future Trends and Policy Support - The digital RMB's development is driven by a dual approach of expanding application scenarios and deepening technology, with local pilot programs serving as innovative testing grounds [5] - Future trends for digital RMB include becoming a new channel for global digital trade settlement through the multilateral central bank digital currency bridge, integrating with microfinance services, and enabling automated execution scenarios via smart contracts [5] - Policy support from various levels of government is crucial for the ongoing expansion and refinement of digital RMB application scenarios, including public services and enterprise solutions [4]
数字人民币:中国金融科技的革命性突破
Sou Hu Cai Jing· 2025-07-01 07:14
Core Concept - Digital Renminbi (DCEP) is a significant innovation in China's currency digitization, issued by the People's Bank of China, and holds the same legal status and economic value as cash [1] Group 1: Characteristics and Technology - Digital Renminbi features "payment and settlement" capabilities, allowing direct value transfer between users without third-party payment institutions, enhancing payment efficiency and reducing transaction costs [3] - It employs advanced blockchain and encryption technologies, achieving a "controllable anonymity" design for small transactions while adhering to regulatory requirements for larger ones [4] - The system can process over 300,000 transactions per second, significantly outperforming Bitcoin and Ethereum networks [4] - Security is ensured through national encryption standards and hardware encryption modules, capable of withstanding various cyber threats, including quantum computing attacks [6] - It supports "dual offline payment" functionality, enabling transactions without network access, which is crucial during emergencies [6] Group 2: Applications and Social Impact - Digital Renminbi is being tested in multiple pilot cities across China, covering retail, public transport, and government services, with over 750 million transactions and a total transaction amount exceeding 830 billion yuan as of June 2023 [7] - It is expected to enhance monetary policy transmission efficiency, reducing time lags by approximately 30% and improving macroeconomic control precision [9] - The initiative aims to increase financial inclusion, potentially raising China's financial inclusion index by 15-20 percentage points [9] Group 3: Global Implications - The launch of Digital Renminbi marks a milestone in China's fintech development and offers valuable insights for the global Central Bank Digital Currency (CBDC) evolution [10] - As the pilot scope expands and application scenarios diversify, Digital Renminbi is reshaping China's payment ecosystem and contributing to the digital transformation of the global monetary system [10]
数字人(835670) - 证券事务代表任命公告
2025-06-30 14:02
证券代码:835670 证券简称:数字人 公告编号:2025-041 本次聘任孙霞女士为公司证券事务代表其任职资格符合《公司法》《北京证券交易 所股票上市规则》等相关法律法规及《公司章程》的规定,孙霞女士具备履职必须的专 业知识能够胜任岗位职责要求。 (二)人员变动对公司的影响 山东数字人科技股份有限公司证券事务代表任命公告 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。 一、证券事务代表任命的基本情况 根据《公司法》《公司章程》等有关规定,公司于 2025 年 6 月 30 日召开第三届董 事会第二十四次会议审议通过《关于聘任公司证券事务代表的议案》。 聘任孙霞女士为公司证券事务代表,任职期限至第三届董事会届满为止,自 2025 年 6 月 30 日起生效。该人员持有公司股份 0 股,占公司股本的 0%,不是失信联合惩戒 对象。 (上述人员简历详见附件) 二、合规性说明及影响 (一)人员变动的合规性说明 孙霞,女,1995 年 8 月出生,中国国籍,无境外永久居住权,本科学历,会计 专业。2017 年 ...
数字人(835670) - 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
2025-06-30 14:02
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。 证券代码:835670 证券简称:数字人 公告编号:2025-042 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 一、披露股票可能被实施退市风险警示的风险提示公告的原因 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: 2025 年 4 月 27 日公司召开第三届董事会第二十三次会议,审议通过《关 于公司内部控制审计报告》议案。公司于 2025 年 4 月 29 日在北京证券交易所 官网 (http://www.bse.cn)上披露了《内部控制审计报告》(公告编号: 2025-030)。 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, ...
数字人(835670) - 第三届董事会第二十四次会议决议公告
2025-06-30 14:00
证券代码:835670 证券简称:数字人 公告编号:2025-040 山东数字人科技股份有限公司 第三届董事会第二十四次会议决议公告 3.会议召开方式:现场 4.发出董事会会议通知的时间和方式:2025 年 6 月 20 日以电话、即时通讯 方式发出 5.会议主持人:徐以发 6.会议列席人员:监事、高级管理人员 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。 一、会议召开和出席情况 (一)会议召开情况 1.会议召开时间:2025 年 6 月 30 日 2.会议召开地点:公司会议室 具体内容详见公司同日在北京证券交易所官网(http://www.bse.cn)上披露 的《证券事务代表任命公告》(公告编号:2025-041)。 2.议案表决结果:同意 9 票;反对 0 票;弃权 0 票。 3.回避表决情况: 7.召开情况合法、合规、合章程性说明: 本次会议的召集、召开符合《公司法》、《公司章程》等有关规定。 (二)会议出席情况 会议应出席董事 9 人,出席和授权出席董事 9 人。 董事李承润因工作原因以通讯 ...
AI观察|“数字人”来了,主播们将何去何从?
Huan Qiu Wang· 2025-06-30 06:46
Group 1 - The recent 618 shopping festival showcased the increasing appeal of live-streaming sales, with former top streamers either attempting to transition or exploring comebacks [1] - Notably, the digital persona of Luo Yonghao, in collaboration with Baidu, generated significant sales, achieving a GMV of 50 million in just four hours during a live stream [1] - The AI-generated script for the live stream was extensive, totaling 97,000 words, and the digital persona executed 8,300 actions, demonstrating advanced capabilities in content delivery [1] Group 2 - Viewers reported that the digital persona effectively replicated Luo Yonghao's style, providing a natural interaction experience during the live stream [4] - The rise of digital personas is prompting live-streaming teams to consider their implementation, as they can mitigate risks associated with human hosts, such as emotional instability and unpredictable behavior [4] - Innovations in AI, such as Google's NotebookLM and the AI podcast feature from Doubao, are enhancing content creation efficiency, allowing for more cost-effective presentation methods [4] Group 3 - The use of digital personas may reduce the workload for live-streaming teams, as noted by industry professionals [5] - However, there is a belief that AI's impact will primarily affect those who lack substantial content and personal expression, while dedicated content creators will remain unaffected [5] - Luo Yonghao's unique selling point lies in his spontaneous humor and live interaction, which may not be replicated by the digital version of himself [5]
数字人民币“可视硬钱包”来了
Qi Lu Wan Bao· 2025-06-27 21:49
数字人民币再度更新,这次带来了"可视卡"功能。最近,央行数字货币研究所正式推出数字人民币硬钱包 可视卡新版本,已有14万用户率先体验。这款指甲盖大小的电子设备,将彻底改变我们的支付习惯。 央行数据显示,截至2025年3月,数字人民币试点地区已扩展至全国31个省份,覆盖人口达9.86亿,累计交易 金额突破5.7万亿元。在这庞大的用户基础上,可视卡功能的加入,将进一步提升数字人民币的普及率。 这款硬钱包采用低功耗OLED显示屏,厚度仅为1.8毫米,重量约2.5克,内置超薄锂电池,可支持连续使用2-3 年。整个设备完全防水、防尘,IP68防护等级,能够承受水下1.5米深度30分钟的浸泡而不受损。 集成多项黑科技,断网也能用 可视卡集成了多项黑科技。指纹识别芯片面积仅为4平方毫米,却能存储5组不同指纹,识别准确率达到 99.7%。E-ink电子墨水屏幕在阳光下清晰可见,能显示余额、交易记录和收款码。所有数据均存储在内 置安全芯片中,即使离线也能完成小额支付,真正做到"断网也能用"。 可视卡支持"甩一甩"唤醒显示余额,双击查看最近交易记录,长按显示收款码。特别是针对老年人设计的 大字体模式,数字显示高度达到8毫米,在任 ...
成本仅千元,数字人直播GMV超越真人主播,百度优选上演“真假”罗永浩!
Sou Hu Cai Jing· 2025-06-27 08:36
Core Insights - The digital persona of Luo Yonghao achieved significant success in a live-streaming event, with 13 million views and a GMV exceeding 550 million yuan, surpassing previous performances by the real Luo Yonghao [1][6] - The technology behind this success is based on the advancements of Wenxin 4.5 Turbo, which enabled the digital persona to engage in a nearly 7-hour live stream with high interaction and humor replication [2][4] - The digital persona's performance indicates a shift in e-commerce, where AI can enhance traditional sales methods and create new opportunities for businesses [1][11] Group 1: Digital Persona Performance - The digital Luo Yonghao's live stream featured 40% AI-generated actions and 100% AI-generated scripts, showcasing a high level of interaction and humor replication [4][9] - The live stream saw a 150% increase in order volume compared to previous real-person streams, with a 30% increase in average viewing time [6][11] - The dual digital persona setup allowed for natural interaction and complex scene management, enhancing the overall viewer experience [7][9] Group 2: Technological Advancements - The transition from digital personas 1.0 to 3.0 reflects significant improvements in realism, script generation, and decision-making capabilities [15][16] - The AI's ability to generate scripts and manage multiple intelligent agents in the live stream environment represents a major leap in digital persona technology [9][12] - Future developments may lead to digital personas that surpass real individuals in knowledge and multitasking capabilities [18][20] Group 3: E-commerce Impact - The integration of digital personas in e-commerce has shown to reduce live streaming costs by up to 80%, making it more accessible for mid-tier brands [21][23] - The use of digital personas has led to substantial increases in GMV for various merchant categories, with some reporting growth rates of 375% for top merchants [20][26] - The introduction of initiatives like the Dream Butterfly and Starry Sky plans aims to expand the use of digital personas among ordinary streamers and small businesses [25][27]