从技术层面来看，数字人民币采用"双层运营"架构，央行通过指定运营机构向公众兑换服务。这种设计既保证了央行对货币发 行权的掌控，又充分发挥了商业银行在用户服务方面的优势。与第三方支付工具不同，数字人民币具有法偿性，任何机构不得 拒收，这为消费者提供了更可靠的支付保障。 随着数字人民币试点范围的进一步扩大，这一新兴支付方式正逐步融入我们的日常生活。作为一种由国家信用背书的数字法定 货币，数字人民币不仅具备传统现金的便捷性，更融合了电子支付的高效性，为公众提供了全新的支付体验。 值得关注的是，数字人民币在隐私保护方面做了精心设计。采用"可控匿名"机制，日常小额交易完全匿名，仅在大额及可疑交 易时依法进行监管。这种设计既满足了公众对隐私保护的需求，又为金融安全提供了保障。相比之下，传统电子支付方式往往 需要绑定银行账户，交易数据可能被商业机构获取。 对于老年人等特殊群体，数字人民币也提供了友好的使用方案。支持屏幕朗读、字体放大等无障碍功能，同时保留实体卡片形 态，兼顾不同人群的使用习惯。部分试点地区还推出了"数字人民币+智能合约"应用，在预付卡消费、财政补贴发放等领域展现 出独特优势。 随着试点城市的不断增加，数字人 ...

这支短片通过E'Core男团的日常叙事，让荣耀耳机从"冰冷的科技产品"转变为"有温度的生活伙伴"，实 现了数字人IP从"流量载体"到"品牌价值传递者"的升维。这种转变背后，是营销逻辑的革新——数字人 不再只是产品的"陪衬"，而是能够通过自身的场景体验，与消费者建立超越产品功能的情感链接。 这种"数字人IP+场景叙事"的模式，正成为品牌营销的新趋势。与传统广告相比，它打破了物理空间与 京东数字人男团E'Core与荣耀亲选耳夹式耳机2 Pro近期展开合作，以"声音"为纽带，探索品牌营销的创 新路径。此次合作不仅融合虚拟IP魅力与音频产品实力，更标志着数字人营销从单纯带货迈向品牌价值 共建的新阶段。 场景共生：耳机成为数字日常的"刚需装备" 星核E'Core，系京东于2025年全新推出的数字人偶像男团，此次与荣耀耳机的合作并非生硬的道具植 入，而是作为男团成员的"亲密伙伴"，将音乐、舞蹈和生活方式融入一支AIGC视频中，荣耀耳机全程 参与到他们的训练、创作、互动等多个核心场景中，让产品性能在真实叙事中自然流露，实现了虚拟IP 与实体产品的深度共鸣。 IP升维：从"产品展示"到"情感连接"的营销进化 支撑这一创新的， ...

Core Insights - The article discusses the significant talent gap in the data sector, emphasizing the need for specialized graduates in data science and digital economy fields to meet market demands [1][4][5]. Group 1: Talent Demand and Supply - As of the end of 2024, China's digital economy talent pool is projected to reach 32.86 million, while the demand is approximately 65 million, resulting in a talent gap exceeding 32 million [4]. - The shortage of high-level composite talents is particularly severe, with only about 40,000 graduates annually from data science and big data technology programs, which is insufficient to fill the gap [5][6]. - The demand for data labeling professionals is also expected to reach a million-level shortage in the next five years [4]. Group 2: Educational Policy and Professional Development - The National Development and Reform Commission and other departments issued an opinion to enhance the construction of data-related disciplines and talent cultivation models [1][12]. - The opinion emphasizes the importance of integrating data-related disciplines and strengthening vocational education in the data industry [1][12]. - The establishment of a national data vocational education teaching guidance committee is proposed to align educational outcomes with market needs [13]. Group 3: Curriculum and Professional Focus - The article highlights the need for differentiated professional settings based on institutional characteristics and local industry demands, suggesting that non-technical colleges may focus on "data+" programs rather than solely data science [9][11]. - It is recommended to cultivate data technology talents, data industry talents, and data legal talents to form a comprehensive talent cultivation chain [7][8]. - The focus on practical education through industry collaboration is emphasized, with suggestions for enterprises to participate in vocational education and create real-world application scenarios for students [14].

Core Viewpoint - The document outlines a strategic initiative by multiple government departments to enhance the construction of data-related academic disciplines and the development of digital talent, aiming to leverage data as a new productive force in the economy [1][2]. Group 1: Data Element Discipline and Talent Development - The initiative emphasizes the importance of cultivating various talents necessary for the market-oriented allocation of data elements and the high-quality development of artificial intelligence [1]. - It identifies the integration of the education chain, talent chain, industrial chain, and innovation chain as crucial for advancing digital China, digital economy, and digital society [1]. Group 2: Optimization of Academic Programs - The proposal encourages collaboration between education and data management departments to develop relevant academic programs such as data science and digital economy [2]. - It supports vocational schools in dynamically adjusting data-related programs based on industry needs, including the addition of courses on data collection, cleaning, compliance, and operations [2]. Group 3: Industry-Education Integration - The document calls for the establishment of a coordinated system for data industry vocational education, involving government oversight, industry guidance, and enterprise participation [2]. - It promotes the creation of regional industry-education integration communities, leveraging industrial parks to foster talent development and innovation in the data sector [2].

Core Viewpoint - The National Development and Reform Commission, along with other governmental bodies, has issued opinions aimed at enhancing the construction of data-related academic disciplines and the development of digital talent, which is essential for fostering innovation in the data sector and promoting the integration of education, talent, industry, and innovation chains [1][2]. Group 1: Key Tasks and Strategies - The opinions outline 12 tasks across four main areas: improving data-related academic disciplines, promoting vocational education in the data industry, supporting organized research in the data field, and facilitating collaboration among academia, industry, and application scenarios [1]. - The education sector and data management departments are encouraged to strengthen the construction of data-related academic disciplines, supporting institutions to develop programs in data science, digital economy, and management [1]. - Vocational schools are advised to adjust data-related programs dynamically based on industry needs, including the introduction of courses in data collection, cleaning, labeling, compliance, and operations [1]. Group 2: Industry-Education Integration - The opinions emphasize the establishment of a coordinated system for data industry vocational education, involving government oversight, industry guidance, and enterprise participation, including the formation of a national data vocational education teaching advisory committee [2]. - Localities are encouraged to create data industry education and training ecosystems based on industrial parks, which will integrate talent cultivation, innovation, and the promotion of high-quality data industry development [2]. - Leading enterprises and high-level educational institutions are urged to collaborate in forming cross-regional industry-education integration communities, involving industry organizations, schools, research institutions, and upstream and downstream enterprises [2].

Core Insights - The article discusses the significant talent gap in the data sector and the government's initiatives to enhance data-related education and workforce development [2][4][5]. Group 1: Government Initiatives - The National Development and Reform Commission and other departments issued an opinion to strengthen the construction of data-related disciplines and digital talent teams [2][3]. - The opinion emphasizes the need for a mechanism to adjust academic programs and talent cultivation models based on national strategic needs and technological development in the data field [2][3]. - The focus is on two main missions: reforming the market-oriented allocation of data elements and fostering high-quality development in artificial intelligence through data empowerment [2][3]. Group 2: Talent Gap - As of the end of 2024, China's digital economy talent pool is projected to reach 32.86 million, while the demand is approximately 65 million, resulting in a talent gap exceeding 32 million [5]. - The shortage of high-end composite talents is particularly severe, with a projected gap of nearly 30 million by the end of 2025 [5]. - The report highlights that even traditionally low-end jobs, such as data labeling, will face a talent shortage of up to one million in the next five years [5]. Group 3: Educational Trends - The number of universities offering data science and big data technology programs has surged, with 769 institutions establishing such programs from 2014 to 2023, making it the most added undergraduate major during this period [5][6]. - However, there is a structural talent gap, particularly in high-level talent supply, with only about 40,000 graduates annually from data science and big data technology programs [6]. - The article notes that many non-engineering universities are also establishing data science programs, but their graduates often have lower income and job satisfaction compared to those from engineering-focused institutions [8][9]. Group 4: Professional Education - The opinion places a strong emphasis on vocational education in the data industry, proposing the establishment of a national data vocational education teaching guidance committee [14][15]. - It encourages the integration of industry and education, advocating for collaboration between data companies and vocational schools to create practical training bases [15]. - The article suggests that educational institutions should adapt their programs to meet market demands, focusing on skills such as data collection, cleaning, compliance, and operation [14][15].

12月3日金融一线消息，据"华夏银行新闻"微信公众号，近日，华夏银行牵头簿记，以行业首创"区块链 簿记+数字人民币归集"创新模式，成功发行45亿元金融债券。发行全流程信息实时上链、不可篡改， 投资者随时能查。募集资金直接通过数字人民币归集，省去中间多重清算环节。本次债券发行人为华夏 银行控股子公司华夏金融租赁有限公司。本期债券初始计划发行30亿元，同步设置15亿元超额发行权， 最终全额触发超额配售，以45亿元满额收官，3年期票面利率锁定1.84%。 责任编辑：秦艺 责任编辑：秦艺 12月3日金融一线消息，据"华夏银行新闻"微信公众号，近日，华夏银行牵头簿记，以行业首创"区块链 簿记+数字人民币归集"创新模式，成功发行45亿元金融债券。发行全流程信息实时上链、不可篡改， 投资者随时能查。募集资金直接通过数字人民币归集，省去中间多重清算环节。本次债券发行人为华夏 银行控股子公司华夏金融租赁有限公司。本期债券初始计划发行30亿元，同步设置15亿元超额发行权， 最终全额触发超额配售，以45亿元满额收官，3年期票面利率锁定1.84%。 ...

Core Insights - The conference "Humanities Intelligence Transformation: The Wisdom Singularity of Digital Humanities" was held at Sun Yat-sen University, where three significant research outcomes were announced, including a digital humanities platform, a large model for folk historical literature, and an intelligent agent for folk historical literature [1][3]. Group 1: Research Outcomes - The digital humanities platform integrates various resources such as Huizhou documents, ancient texts, and newspapers, utilizing technologies like IIIF and knowledge graphs for multi-modal resource presentation and activation [3]. - The large model for folk historical literature is based on a high-quality knowledge base and advanced algorithms, providing scholars with reliable knowledge services through multi-turn dialogue and precise contextual understanding [3]. - The intelligent agent for folk historical literature enables deep content mining, supporting functions like word frequency statistics, knowledge graph reasoning, and topic analysis, assisting researchers in identifying patterns from extensive literature [3]. Group 2: Strategic Importance - Digital humanities, as an emerging interdisciplinary field, is seen as a crucial force for future academic development, driven by national strategic initiatives [4]. - The conference introduced the "Explorer Forum" and "Digital Market" to foster cross-disciplinary dialogue and showcase digital humanities projects from various research institutions across the country [4]. - The China Digital Humanities Annual Conference, the largest and most influential academic event in the field, has been successfully held for seven consecutive years since 2019, attracting over 400 experts and scholars from universities and research institutions [4].

Core Insights - The company has made significant progress in the digital economy, particularly in digital currency and AI-driven data elements, positioning itself as a leader in these innovative fields [1] Digital Currency Developments - The company is one of the few in China capable of providing comprehensive digital currency technology services, having established regional platforms in cities like Guangzhou and Fangchenggang [1] - Notable implementations include the first digital currency metro transit scenario in Guangzhou and the first government closed application scenario in the city [1] Data Element Market Engagement - The company was among the first listed firms to enter the data element market, focusing on building operational capabilities in public data processing, development, and trading [1] - It has a stake in the Guangzhou Data Exchange and has successfully entered the secondary market for data elements [1] - In April, the company won a bid for a pilot project in digital data circulation infrastructure in Guangzhou, valued at 35.0187 million yuan, marking a significant milestone in urban data market configuration [1] Future Plans and Integration - The company aims to further integrate digital currency, data elements, and technologies like AI and big data to provide comprehensive digital solutions across various sectors, including finance, government, and transportation [1] - The strategy involves a dual-driven approach of "industry + capital" to empower the digital transformation of numerous industries [1]

Core Insights - The company has made significant advancements in the digital economy, particularly in digital currency and AI-driven data elements, positioning itself as a leader in these future-oriented sectors [1][2] Group 1: Digital Currency Developments - The company is one of the few in China capable of providing comprehensive digital RMB technology services, having established regional platforms in cities like Guangzhou and Fangchenggang [2] - Notable implementations include the first digital currency application in Guangzhou's subway system and a closed application scenario for government services in the city [2] - The company has also created Guangdong's first digital financial ecosystem cooperation platform, showcasing its leadership in digital currency applications [2] Group 2: Data Element Market Engagement - The company is among the early entrants in the data element market, focusing on building operational capabilities in public data processing, development, and trading [2] - It has invested in the Guangzhou Data Exchange, successfully entering the secondary market for data elements [2] - A significant milestone was achieved with a successful bid for a project worth 35.0187 million yuan aimed at constructing data circulation infrastructure in digital Guangzhou, marking a breakthrough in urban data element market configuration [2] Group 3: Future Integration and Strategy - The company plans to continue integrating digital RMB, data elements, and technologies like AI and big data to provide comprehensive digital solutions across various industries [2] - The strategy involves a dual approach of "industry + capital" to empower sectors such as finance, government, and transportation in their digital transformation efforts [2]