Core Insights - The development of digital RMB has accelerated significantly this year, with the recent expansion of the "tap and go" trial to the entire Shanghai metro network, allowing passengers to use various forms of digital RMB wallets for quick access [1][4] - Multiple cities, including Beijing, Guangzhou, and Shanghai, have released development plans for digital RMB pilot projects, enhancing application scenarios and optimizing the ecosystem [1][6] Group 1: Digital RMB Application Expansion - The "tap and go" feature supports cross-institutional interoperability, enabling passengers to use digital RMB wallets from any operating institution to access the Shanghai metro [4] - The Shanghai metro network spans 896 kilometers with 21 lines and 517 stations, handling over 77% of the city's public transport volume daily [4] - The digital RMB hard wallet is gaining popularity among foreign visitors and demographics such as the elderly and students due to its low entry barrier and wide coverage [5] Group 2: Diverse Application Scenarios - Digital RMB applications have expanded from retail payments to include government services, public transport, and financial services, creating a comprehensive application landscape [6] - Various regions have actively promoted the expansion of digital RMB application scenarios, technological innovation, and ecosystem optimization [6] Group 3: Consumer Promotion and Financial Services - In the consumer sector, local governments and institutions have continued to issue digital RMB consumption red envelopes, integrating welfare policies with technological innovation to stimulate consumption and support economic growth [7] - Beijing Bank has initiated the first digital RMB technology enterprise merger loan pilot, enhancing fund circulation efficiency and reducing financing costs for enterprises [7] Group 4: Cross-Border Payment and Future Prospects - 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 [10][11] - The multilateral central bank digital currency bridge project is expected to become a new channel for global digital trade settlement, reducing transaction costs and improving settlement efficiency [11][12] - Experts predict that digital RMB will play a larger role in cross-border payments, green finance, and smart economy sectors, contributing to a more efficient and secure digital economic ecosystem [12]

Core Insights - The "Large Model Empowered Digital Human Teaching Assistant System" is transforming the education sector through advanced technology and innovative applications, enhancing teaching efficiency and showcasing significant economic potential [1] System Overview and Core Functions - The system integrates deep learning, natural language processing, and multimodal data fusion technologies, providing personalized teaching support and interactive experiences for teachers and students [2] - Key features include intelligent virtual students, personalized learning path recommendations, and multimodal data integration, which enhance interactivity and cater to diverse student learning needs [2] Application Scenarios and Practical Effects - The system has demonstrated significant advantages in various educational settings, notably improving the teaching practice capabilities of student teachers by 37% in a virtual classroom environment [3] - Teachers can utilize intelligent analysis tools for real-time data collection and analysis, generating multidimensional teaching capability profiles for precise evaluation and personalized intervention [3] - In a specific case, student performance improved by an average of 24% after implementing the system, indicating a notable enhancement in teaching effectiveness [3] Economic Application Value and Cost Efficiency - The system not only boosts teaching efficiency but also reduces educational costs, with teachers experiencing a 22% reduction in time spent on content preparation and personalized tutoring [4] - Its customizable and replicable nature allows for widespread application across various educational institutions, leading to a 28% decrease in operational costs and a 36% increase in student satisfaction for one institution [4] Future Outlook and Industry Impact - The system is expected to see broader application and promotion in the education sector as AI technology continues to evolve, playing a crucial role in enhancing teaching quality and promoting educational equity [5] - By providing personalized learning paths and intelligent tutoring, the system aims to help bridge educational gaps between urban and rural areas, contributing to a more equitable education landscape [5] - Overall, this innovative achievement presents new opportunities for the education industry and offers significant insights for the future development of educational technology [5]

Group 1 - The establishment of the Asia-Pacific Information Technology College marks the first Sino-foreign cooperative education institution in Guangxi, in collaboration with Malaysia's Asia Pacific University, highlighting a significant milestone in educational exchange between China and Malaysia [1][2] - The college aims to align with the development strategies of both countries, integrating quality resources to become a leading model for Sino-foreign cooperative education in the region [2] - The college will officially be established in 2025, offering three undergraduate programs: Computer Science and Technology, Software Engineering, and Network Engineering, utilizing a "4+0 dual degree" training model [2] Group 2 - The establishment of the college fills a gap in Sino-foreign cooperative education in the information technology field in Guangxi, which is crucial for advancing the China-ASEAN Information Port initiative [2] - The college aims to cultivate high-quality, internationalized, application-oriented IT talents to meet future workforce needs, leveraging educational resources from Asia Pacific University [3] - Graduates are expected to have broad employment prospects and strong competitiveness in fields such as artificial intelligence and IT [3]

从实际应用效果来看，"多语种数字人视频带货"应用已经在跨境商品直播中取得了显著成效。许多使用 该应用的商户反馈，通过数字人生成的多语种产品介绍视频，在海外社交媒体平台和电商平台上获得了 大量的曝光和关注。一些原本因语言问题而难以开拓的市场，如今也逐渐打开了局面。例如，某主营家 居用品的商户，在使用该应用后，将产品推广到了西班牙语系和阿拉伯语系国家，订单量在短短一个月 内增长了30%。还有经营玩具的商家，通过数字人用多种语言介绍新款玩具，吸引了来自不同地区的采 购商，产品销量大幅提升。 浙江移动于近日成功上线了一项创新性应用——"多语种数字人视频带货"。该应用借助先进的生成式人 工智能技术，为商户提供了一种全新的、高效的跨境营销解决方案，目前已正式应用于跨境商品的直播 领域，为商户打开了通往全球市场的便捷之门。 据了解，这款应用的操作极为简便。商户仅需完成两个简单步骤，即可让AI数字人助力商品走向世 界。首先，输入与产品相关的关键词，这些关键词将成为生成产品介绍文案的重要依据。随后，录制一 段时长较短、口念"12345"的视频。之所以选择念"12345"，是因为这串数字发音清晰、口型变化丰富， 便于系统精准捕捉 ...

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].

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]

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]

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]

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 ...

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， ...