Core Points - The article discusses the recent fraudulent activities related to the promotion of digital RMB, where scammers misrepresent themselves as agents for the People's Bank of China, promising unrealistic returns and incentives [5][23][27] - It emphasizes that digital RMB is a legal currency issued by the central bank and does not involve any unofficial promotion centers or recruitment of agents [24][30] Summary by Sections Promotion Mechanism - The promotion of digital RMB includes a reward system for individuals and merchants who participate in the program, with cash rewards ranging from 200 to 400 yuan for new users and merchants [20][19] - Merchants can receive a 2% subsidy on transaction volumes, and individuals can earn 4% to 5% for converting RMB to digital RMB [20][19] - The program claims to offer lifetime earnings for those who pass an exam and meet performance criteria, with additional rewards for team performance [20][19] Fraudulent Activities - Reports indicate that individuals are being misled by false claims of "zero investment, zero risk" and are being recruited under the guise of becoming digital RMB promoters [5][23] - Scammers use deceptive language to lure individuals into multi-level marketing schemes, promising high returns and commissions for recruiting others [5][23][27] - The People's Bank of China has issued warnings against these fraudulent schemes, clarifying that there are no official promotional exams or recruitment processes [24][30] Risk Awareness - The article highlights the importance of verifying information through official channels and warns against engaging with unofficial promotions or offers that promise high returns [27][28] - It outlines key questions individuals should ask themselves to identify potential scams, such as the legitimacy of promotional claims and the nature of the recruitment process [36]

Core Insights - The Industrial and Commercial Bank of China (ICBC) in Liaocheng has achieved significant progress in promoting digital RMB, with a personal wallet increase of 23,000 accounts, surpassing the target by 127.29% [1] - The bank has established a three-tiered promotion mechanism led by the party committee, ensuring accountability and effective implementation of digital RMB initiatives [1] - The bank is focusing on personalized customer engagement and targeted strategies to enhance the adoption of digital RMB wallets among both individual and corporate clients [2] Group 1 - ICBC Liaocheng has netted 23,000 personal digital RMB wallets, achieving a completion rate of 127.29%, ranking 5th in the province [1] - The bank's corporate wallets increased by 2,000 accounts, with a completion rate of 138.15%, ranking 3rd in the province [1] - A dedicated task force has been established to drive the promotion of digital RMB, integrating party leadership with operational execution [1] Group 2 - The bank employs a one-on-one personalized promotion strategy at its branches, enhancing customer understanding of digital RMB's benefits [2] - Specific strategies are tailored for individual and corporate clients, focusing on the ease of use and security of digital RMB wallets [2] - The bank aims to improve customer experience and business engagement through continuous optimization of its digital RMB services [3]

Core Viewpoint - The company is committed to deepening its involvement in the digital RMB sector, aligning with policy directions to complete a multi-faceted product layout and technological reserves [1] Product Ecosystem Development - The company has constructed a comprehensive product ecosystem covering user side, system side, issuance side, and acceptance side [1] - User side includes various forms of digital wallets; acceptance side features payment modules adaptable to supermarkets, transportation, and government scenarios; issuance side provides multiple types of card issuance devices; system side relies on the core product "Long e-Pay" to create digital currency aggregation payment, prepaid, and marketing products [1] Smart Contract Technology - The digital RMB smart contract product serves as a core technological focus, enabling targeted distribution of digital currency red packets, real-time redemption, and full-chain supervision, effectively matching policy needs for consumer subsidies [1] - The smart contract technology has been successfully implemented, with related products deployed in transportation and other fields, and the digital currency red packet distribution function operating stably in actual projects [1] Government and Institutional Collaboration - The company is actively engaging with various local governments, financial institutions, and partners, focusing on smart contract-driven digital currency red packet distribution, marketing execution, and prepaid management [1] - Efforts are being made to optimize the smart contract platform and expand into policy-driven scenarios such as consumption voucher distribution, aiming to seize policy dividends for business breakthroughs [1]

Group 1 - The company has established a comprehensive digital RMB product matrix, leveraging its strong foundation in digital currency software and hardware product development, as well as industry resource integration [2] - The company aims to create an integrated digital RMB industry solution tailored to the characteristics of various business sectors [2]

Core Viewpoint - The A-share market shows positive momentum with the Shanghai Composite Index closing above the annual line, indicating a slight increase of 0.17% and a total trading volume of 1.665 trillion yuan [1]. Group 1: Market Performance - As of 14:59 today, the Shanghai Composite Index stands at 3876.97 points, above the annual line [1]. - A total of 153 A-shares have surpassed the annual line, with notable stocks showing significant deviation rates [1]. Group 2: Notable Stocks - The stocks with the highest deviation rates include: - Yimin Group (益民集团) with a deviation rate of 9.76% and a daily increase of 10.11% [1]. - Wanrun Technology (万润科技) with a deviation rate of 6.64% and a daily increase of 7.57% [1]. - Laiyifen (来伊份) with a deviation rate of 5.56% and a daily increase of 10.01% [1]. - Other stocks with smaller deviation rates that have just crossed the annual line include Suzhou Planning (苏州规划), Tianzhihang (天智航), and China Railway Special Cargo (中铁特货) [1].

Core Insights - The first national standard for virtual digital humans in China, titled "General Technical Requirements for Information Technology Customer Service Virtual Digital Humans," has been officially released, filling a gap in industry technical specifications and providing unified technical requirements and evaluation standards for the research, production, and application of customer service virtual digital humans [1][2]. Group 1: Technical Specifications - The standard establishes a comprehensive technical specification system for customer service virtual digital humans, outlining a reference framework that includes modules for image generation, visual interaction, voice interaction, emotional interaction, image driving, and operational maintenance [1][3]. - In terms of image generation, the standard mandates that 2D digital human images must ensure clear and complete facial details, while 3D hyper-realistic digital human models must have a polygon count of no less than 200,000 [1]. - The standard requires that digital humans support multimodal interactions, including voice, gestures, and body movements, and possess operational maintenance capabilities such as keyword management and material updates to ensure continuous service optimization [1]. Group 2: Performance Metrics - The national standard specifies several core performance indicators, including a lip-sync accuracy rate of no less than 90%, an average success rate of 90% for gesture interactions, and an average success rate of 90% for body movement interactions, enabling more natural body language communication [2]. - It also sets a requirement for an emotional interaction success rate of no less than 80%, allowing digital human customer service to evolve from merely responding to actually empathizing with users [2]. - To meet emotional interaction requirements, the standard mandates that digital humans must have capabilities for expression collection, posture recognition, and voice emotion analysis, enabling them to accurately assess user emotions such as joy, sadness, and anxiety [2]. Group 3: Industry Impact - The introduction of the national standard provides clear guidance for product research and optimization for domestic companies in the virtual digital human sector, injecting strong momentum into industry innovation and development [3]. - The standard is applicable for upgrading existing 2D and 3D digital human products and allows for the integration of new technologies such as artificial intelligence-generated content [3]. - A set of accompanying testing methods is being developed to provide a unified testing benchmark, helping companies quickly identify issues and optimize products [3].

证券日报网讯12月17日，中科江南（301153）在互动平台回答投资者提问时表示，公司在数字人民币方 面有较深的技术储备，深度参与了数字人民币在财政国库资金支付场景的应用建设。公司已协助客户完 成数字人民币在财政资金支付核心业务场景中的落地实践，通过智能合约等技术实现资金定向精准拨 付、追溯监管优化及拨付效率提升。未来，公司将紧密跟踪数字人民币等前沿技术的更新迭代与创新应 用，结合自身技术和研发能力，围绕核心客户的业务需求推进项目实施和技术应用落地。 ...

每经AI快讯，有投资者在投资者互动平台提问：请问，贵公司在数字人民币智能合约方面有什么专利 布局，有没有具体应用场景落地？ 中科江南（301153.SZ）12月17日在投资者互动平台表示，公司在数字人民币方面有较深的技术储备， 深度参与了数字人民币在财政国库资金支付场景的应用建设。公司已协助客户完成数字人民币在财政资 金支付核心业务场景中的落地实践，通过智能合约等技术实现资金定向精准拨付、追溯监管优化及拨付 效率提升。未来，公司将紧密跟踪数字人民币等前沿技术的更新迭代与创新应用，结合自身技术和研发 能力，围绕核心客户的业务需求推进项目实施和技术应用落地。 （记者 张明双） ...

Core Insights - The article highlights the success of Shanxi Cultural Tourism's AIGC video "Face Guard Action," which has become a viral hit, showcasing the innovative integration of digital humans and cultural tourism in AI marketing [1] - The collaboration between JD's digital human technology and Shanxi Cultural Tourism signifies a shift from mere technical support to a deeper involvement in creative planning, enhancing brand value [1] Group 1: Digital Human Technology - JD's digital human technology not only provides technical support but also engages in creative planning, merging local cultural elements with social sentiments to create content with viral potential [1] - The virtual idol Ava and boy band E'Core demonstrate the brand empowerment capabilities of digital humans through collaborations that seamlessly integrate product features into engaging narratives [3] - The partnership between E'Core and Honor showcases how virtual IPs can resonate deeply with physical brands, enhancing product storytelling [5] Group 2: Cost Efficiency and Creative Innovation - The ability to create a strong "human-like" presence in digital humans allows brands to elevate their marketing strategies, transforming digital humans from mere sales tools to brand IPs [7] - Digital technology has broken the boundaries of creativity and cost, as seen in MCM's AIGC video, which features imaginative concepts that traditional filming could not achieve, significantly reducing production costs and time [9] - The collaboration between Haier and JoyAI exemplifies how digital humans can revitalize existing IPs, achieving substantial savings in production costs and time compared to traditional methods [9] Group 3: AI-Driven Brand Engagement - JD's digital humans have proven to be commercially valuable, with free digital human live streaming achieving over 80% effectiveness compared to real people, serving over 50,000 brands [11] - The introduction of foundational models and low-threshold generation tools has lowered the barriers for content creation, allowing digital humans to evolve from "sales assistants" to "brand partners" [11] - Digital humans are now integral in connecting with users throughout their entire lifecycle, creating a closed loop from awareness to purchase [11] Group 4: Future of Brand Innovation - In the current landscape of accelerated AI penetration, digital humans are positioned as core engines of brand innovation rather than mere marketing gimmicks [13] - Embracing digital human representation and leveraging AI to create exclusive brand IPs is becoming a crucial strategy for companies to stand out in competitive markets [13] - The successful integration of technology and creativity by JD's digital humans demonstrates the potential for brands to rejuvenate in the digital age [13]

山西文旅发布的AIGC视频《护面行动》成年度爆款："复苏"的文物组成"护面队"尝遍山西面食，喊 出"来山西，见一'面'"的诚意邀约。这支刷屏视频的背后，是京东JoyAI大模型的数字人技术支撑，更标 志着"数字人+文旅"成为AI营销中率先跑通的创新模式，印证京东数字人已跨界多场景，成为品牌 AI 营销的新标配。 从技术工具到品牌灵魂的跨越 在与山西文旅的合作中，京东数字人不止是技术提供者，更深度参与创意策划——将本土文物IP、面食 文化与社会情绪精准结合，让内容自带破圈基因。这种"技术+创意"的深度绑定，让数字人从单纯的技 术载体，成功升级为品牌价值的延伸与传递者。 京东旗下虚拟歌姬Ava与男团E'Core，也用实际案例证明了数字人的品牌赋能能力。Ava与联想拯救者联 动时，从舞台穿越至游戏世界，与"拯救姬"并肩作战，将电脑高性能优势自然融入剧情； 如今，品牌不仅可借京东官方IP代言，更能依托其技术定制专属数字人IP，核心在于赋予虚拟形象强烈 的"活人感"，让数字人从"销售工具"升维为"品牌IP"。京东为恩雅吉他打造的数字代言人Aura便是典 型：她精准契合品牌年轻、赛博、富有创造力的调性，既能还原弹吉他的细腻 ...