全球跨境支付模式主要包括代理行模式、互联模式、单一平台模式以及点对点模式四大类，基于SWIFT的代理行模式在跨境支付中占据 主导地位。关税博弈背景下，人民币跨境支付系统（CIPS）、数字人民币与货币桥等跨境支付相关体系各环节或将迎来发展机遇。 如何看待跨境支付现状及未来趋势？中信建投证券计算机首席应瑛团队、宏观首席周君芝团队带来【跨境支付产业链】投资机遇解读： 01 如何看待跨境支付现状及未来趋势？ 全球跨境支付模式主要包括代理行模式、互联模式、单一平台模式以及点对点模式四大类，基于SWIFT的代理行模式在跨境支付中占据 主导地位。SWIFT已成为全球覆盖面最广、使用频率最高的金融通讯基础设施，但资金流与信息流"双轨制"以及治理结构导致弱势中心 化，逐步沦为美国金融制裁工具。 未来的发展路径主要包括：1）基于SWIFT体系，打造以本币为结算货币的支付系统。2）基于本国支 付体系，通过单边连接或者双边连接等方式，拓展延伸覆盖范围。3）第三方支付以移动支付场景为切入口，构建独立的支付网络体系。 4）基于区块链技术，全新构建基于数币以及货币桥的支付体系。 传统模式 CHINA SECURITIES 投据来源:会融咨 ...

转自：新华财经 近日，交通银行在上海地区推出"用交行数币，让快乐加倍"数字人民币促消费活动，通过线上线下联 动，深入零售消费场景，打造惠民便民的数字支付新体验。 金融创新赋能消费升级 作为央行数字人民币首批运营机构，交通银行上海市分行始终走在金融科技创新的前沿。本次专项活动 以"数币节"为核心，构建起"场景渗透、消费激励、生态共建"三位一体的创新体系，将数字人民币试点 应用深度融入城市商业生态，形成金融供给与消费需求的良性互动。 未来，交行上海市分行将继续深化与政府、商户的合作，创新更多消费场景应用，充分发挥数字人民币 在促进消费、推动数字化转型和优化营商环境等方面的积极作用，为"上海主场"建设和高质量发展提供 有力支撑。同时，持续优化数字人民币使用体验，发挥好数字人民币高效率、低成本的优势，让广大市 民在享受便捷支付的同时，感受到数字经济带来的实惠。（邓侃） 编辑：林郑宏 在上海南京路、淮海路、豫园等核心商圈，消费者使用交行数字人民币钱包可享受满减优惠，这种"政 府引导、银行让利、商户参与"的协同机制，既有效降低消费者支付成本，又为商户数字化转型注入动 力。活动首周即带动合作商户客流量增长、交易笔数提升，展 ...

证券代码：835670 证券简称：数字人 公告编号：2025-028 山东数字人科技股份有限公司 监事会对董事会关于 2024 年度财务报表审计出具非标准审 2025年4月29日 计意见报告的专项说明的审核意见 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。 信永中和会计师事务所（特殊普通合伙）对山东数字人科技股份有限公司 （以下简称"公司"）2024年度财务报表出具了非标准审计意见的审计报告。 公司监事会对《董事会关于2024 年度财务报表审计出具非标准审计意见报告的 专项说明》发表如下意见： 1、公司董事会依据中国证券监督管理委员会、北京证券交易所相关规 定， 对保留意见审计报告所涉及事项做出的说明，客观反映了公司实际情况， 监事会同意董事会出具的专项说明。 2、监事会认可公司董事会关于审计报告中保留意见涉及事项的应对措 施， 将督促公司董事会和管理层关注事项进展、及时履行相关信息披露义务。 1 山东数字人科技股份有限公司 监事会 ...

证券代码：835670 证券简称：数字人 公告编号：2025-009 山东数字人科技股份有限公司 第三届监事会第二十一次会议决议公告 本公司及监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 4 月 27 日 2.会议召开地点：公司会议室 3.会议召开方式：现场 4.发出监事会会议通知的时间和方式：2025 年 4 月 11 日 以电话、即时通讯方式 发出 5.会议主持人：李嘉舜 6.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 会议应出席监事 3 人，出席和授权出席监事 3 人。 具 体 内 容 详 见 公 司 于 2025 年 4 月 29 日 在 北 京 证 券 交 易 所 官 网 （http://www.bse.cn）上披露的《2024 年年度报告》（公告编号：2025-010） 及《2024 年年度报告摘要》（公告编号：2025-011）。 根据《公司法》《 ...

证券代码：835670 证券简称：数字人 公告编号：2025-008 山东数字人科技股份有限公司 第三届董事会第二十三次会议决议公告 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、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 4 月 27 日 2.会议召开地点：公司会议室 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 4 月 11 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 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。 具 体 内容 详 见公 司于 2025 年 4 月 29 日 在 北京 证 券交 易所 官 网 （http://www.bse.cn）上披露的《2024 年年度报告》（公告编号：2025-010） 1 及《2024 年年度报告摘要》（公告编号：2025-011）。 2.议案表决结果：同意 9 票；反对 0 票；弃权 0 票。 ...

证券代码：835670 证券简称：数字人 公告编号：2025-022 山东数字人科技股份有限公司 关于股票可能被实施退市风险警示的风险提示公告 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： 根据《北京证券交易所股票上市规则》第 10.4.2 条第(六)项规定,上市公 司出现"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"的情形，上市公司 应当立即披露股票交易可能被实施退市风险警示的风险提示公告，并且应当至 1 少每月披露一次进展情况及风险提示公告，直至相应情形消除或公司股票被北 京证券交易所实施退市风险警示。 根据《北京证券交易所股票上市规则》第 10.4.1 条第(六)项规定，上市 公司出现"连续两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"的情形，北 京证券交易所对公司股票交易实施退市风险警示。 如公司 2025 年度出现上述情形的, 北京证券交易 ...

Financial Performance - Operating revenue for the first quarter of 2025 reached CNY 11,759,217.16, representing a significant increase of 180.25% year-over-year[11] - Net profit attributable to shareholders for the first quarter of 2025 was a loss of CNY 2,675,522.31, a decline of 431.11% compared to the same period last year[11] - The company reported a total comprehensive income of -¥2,275,518.95 for Q1 2025, compared to ¥1,812,845.94 in Q1 2024, reflecting a substantial decline[42] - The net profit for Q1 2025 was a loss of ¥2,275,518.95, compared to a net profit of ¥1,812,845.94 in Q1 2024, indicating a decline in profitability[41] - Basic and diluted earnings per share for Q1 2025 were both -¥0.03, compared to ¥0.01 in Q1 2024[40] Cash Flow - The company's cash flow from operating activities showed a net outflow of CNY 11,351,613.64, a decrease of 767.99% year-over-year[11] - The net cash flow from operating activities for Q1 2025 was negative at -¥11,351,613.64, compared to -¥1,307,802.31 in Q1 2024, showing a worsening cash flow situation[43] - The cash inflow from operating activities totaled ¥24,124,572.78 in Q1 2025, slightly up from ¥23,702,145.00 in Q1 2024, showing a marginal improvement[43] - Cash and cash equivalents decreased by 37.27% to CNY 99,740,270.63 due to investments in short-term low-risk financial products[12] - The total cash and cash equivalents at the end of Q1 2025 were ¥95,627,247.85, down from ¥132,492,935.82 at the end of Q1 2024, a decrease of approximately 28%[43] Assets and Liabilities - Total assets as of March 31, 2025, were CNY 271,577,014.77, a decrease of 0.18% compared to the end of 2024[11] - Total liabilities as of March 31, 2025, were CNY 32,843,353.36, up from CNY 30,661,896.67 at the end of 2024, indicating an increase of approximately 7.12%[34] - The company's equity decreased from CNY 241,409,183.72 to CNY 238,733,661.41, a decline of about 0.70%[34] - Current assets totaled CNY 201,147,518.77, compared to CNY 202,914,844.59 at the end of 2024, indicating a decrease of approximately 0.87%[32] - Total liabilities decreased to ¥26,472,343.63 from ¥27,448,362.32, indicating a reduction in financial obligations[37] Investments and Expenses - Total operating costs for Q1 2025 were ¥16,512,097.75, up from ¥13,490,042.27 in Q1 2024, reflecting a rise in expenses[38] - Research and development expenses for Q1 2025 were ¥6,080,548.20, compared to ¥5,438,823.06 in Q1 2024, highlighting an increase in investment in innovation[38] - The company incurred total operating expenses of ¥35,476,186.42 in Q1 2025, compared to ¥25,009,947.31 in Q1 2024, marking an increase of about 41.9%[43] Shareholder Information - The total number of unrestricted shares increased from 66,328,421 to 66,648,421, representing a rise from 62.47% to 62.77% of total shares[19] - Major shareholder Xu Yifa holds 43,378,037 shares, accounting for 40.85% of total shares, with 32,533,528 being unrestricted[20] - The total share capital remained unchanged at 106,182,400 shares, with 9,127 shareholders[19] Legal Matters - The company initiated legal proceedings against Yichang Chengfa Kangyang Industry Investment Co., Ltd. for unpaid goods totaling 5,334,725.00[25] - The company also filed a lawsuit against Wuhan Jinmao Engineering Technology Co., Ltd. for the return of unjust enrichment amounting to 5,214,627.00[26] Other Financial Metrics - Non-recurring gains totaled 587,942.58, significantly impacting the financial results[17] - The company reported a credit impairment loss of ¥493,360.88 for Q1 2025, compared to ¥2,844,726.63 in the previous year, indicating improved asset quality[39] - The company recorded a fair value change gain of ¥134,711.27 in Q1 2025, contributing positively to the financial results[39]

Company Performance - The company's operating revenue for 2024 was ¥66,341,007.26, a decrease of 31.31% compared to ¥96,578,667.69 in 2023[28]. - The net profit attributable to shareholders was -¥4,159,237.26, representing a decline of 135.74% from ¥11,638,296.15 in the previous year[28]. - The gross profit margin improved to 72.23% in 2024, up from 68.49% in 2023[28]. - Total assets decreased by 1.72% to ¥272,071,080.39 from ¥276,828,764.33 at the end of 2023[30]. - Total liabilities increased by 23.19% to ¥30,661,896.67 compared to ¥24,889,399.35 at the end of 2023[30]. - The net asset attributable to shareholders decreased by 4.18% to ¥241,409,183.72 from ¥251,939,364.98 in 2023[30]. - The operating cash flow for 2024 was ¥28,859,827.45, down 9.95% from ¥32,050,406.98 in 2023[30]. - The company reported a basic earnings per share of -¥0.04, a decrease of 136.36% from ¥0.11 in 2023[28]. - The revenue for the fourth quarter (October-December) was ¥37,885,326.57, contributing significantly to the annual total[35]. Research and Development - The company holds 17 invention patents and 72 copyrights, with over 20% of revenue invested in R&D in recent years[53]. - The company's R&D expenses increased by 2.30% to 23.47 million yuan, representing 35.38% of total revenue in 2024[82]. - The total number of R&D personnel increased to 125, with the proportion of R&D staff to total employees rising to 51.65%[110]. - The company is currently developing a high-definition digital human project aimed at enhancing clinical medical product development and increasing market share[112]. - A virtual reality training project for clinical anesthesia is in development, addressing the significant talent gap in anesthesiology in China[113]. - The company is working on a cell-level 3D reconstruction system that aims to visualize microanatomical structures, significantly changing disease structure research methods[116]. - The digital human anatomy system is being upgraded based on the latest digital human data to enhance its functionality and competitiveness in the digital anatomy field[117]. - The company is collaborating with universities to obtain high-definition human imaging data for its projects, enhancing its research capabilities[112]. Market Presence and Strategy - The company has established a market presence in over 500 medical institutions nationwide and has initiated pilot sales in over 40 countries[46]. - The company plans to expand its business from medical education to clinical medicine and public health[53]. - The company aims to enhance its core competitiveness and expand market applications through a dual-driven development model of "data accumulation" and "technological innovation"[147]. - By 2025, the company plans to maintain a leading market share with a focus on "application-oriented" strategies, including the promotion of virtual anatomy laboratories and the integration of AI in curriculum development[148]. - The company is committed to corporate social responsibility by providing quality products and services, ensuring employee rights, and contributing to humanitarian efforts[130]. Financial Management and Audit - The company has appointed Xinyong Zhonghe Accounting Firm as its auditor, which issued a qualified audit opinion for the financial report[14]. - The audit report issued by the accounting firm includes a qualified opinion due to the inability to obtain sufficient audit evidence regarding the recognition of accounts receivable[122]. - The company will implement measures to strengthen internal controls and compliance checks to mitigate operational risks and protect shareholder interests[124]. - The company has received a high-tech enterprise certificate, allowing it to enjoy a reduced corporate income tax rate of 15% for the year 2024[105]. - The company plans to enhance accounts receivable management by refining customer credit assessment and collection processes to ensure timely and secure cash flow[124]. Innovation and Technology Integration - The company is focused on integrating technology and service to enhance brand recognition and market competitiveness[64]. - The company aims to leverage advanced technologies like virtual reality and artificial intelligence to enhance digital education resources[59]. - The company is committed to integrating AI and multi-modal technologies into product development to enhance educational outcomes[45]. - The company is leveraging innovative technologies such as VR/AR to enhance its educational offerings and expand its market presence[114]. Challenges and Risks - The company faces risks from potential changes in national policies that could impact the medical informationization industry, which it plans to mitigate by closely tracking policy developments[151]. - Increased market competition is anticipated, prompting the company to enhance R&D investments and maintain product leadership through innovation and collaboration[152]. - The company recognizes the risk of not accurately grasping industry trends and plans to strengthen product development and sales efforts to counteract potential negative impacts[152]. - The company has identified significant uncertainty regarding the recoverability of accounts receivable over one year old, leading to the estimation of bad debt provisions[123]. Corporate Governance and Management - The company is committed to improving its financial management system, enhancing accounting information quality, and establishing effective internal control and risk prevention mechanisms[67]. - The board of directors is committed to enhancing corporate governance and internal control processes to eliminate risks and promote healthy development[162]. - The company continues to focus on expanding its management team with experienced professionals from diverse backgrounds[199]. - The company is actively managing its leadership transitions to ensure continuity and stability in its operations[198].

"太便捷了，150多万元款项'秒到'，跨境支付成功！"回忆起不久前的一笔支付业务，西安某进出口企业 负责人的激动之情溢于言表。在人民银行陕西省分行的指导下，交通银行陕西省分行近日为这家进出口公司 成功办理一笔多边央行数字货币桥人民币香港跨境支付业务，汇款金额150.78万元——该笔业务是陕西省内 首笔央行数字货币桥业务，也是对数字人民币在西安市创新运用的生动注脚。 数字人民币是汇聚数字金融力量，助推中国式现代化建设的重要支撑，是中国数字经济时代的"新基 建"之一。记者从西安市委金融办了解到，我市近年来稳妥有序开展数字人民币试点工作，不断夯实受理环 境，聚焦数字政务、智慧城市、文化旅游、乡村振兴、普惠金融等领域，推动数字人民币实现从"尝鲜"走 向"常用"，为市民和企业提供了更加便捷、安全、高效的支付环境。截至目前，西安地区支持数字人民币支 付商店门户数累计81.65万个，数字人民币消费金额累计9.85亿元、共1636万笔。 数字政务 解锁高效服务新密码 在数字政务领域，数字人民币的应用为企业和市民提供了更加高效的政务服务。 记者从西安市委金融办相关处室了解到，我市已陆续实现了政策奖补资金发放、税费同步征收、社会 ...

在以AIGC(人工智能生成内容,Artificial Intelligence Generated Content)、大数据分析、数字孪生等为代表 的创新技术蓬勃发展的背景下，数字人(Digital Human)正在数字化转型赋能舞台上向大家展现出它的独 特魅力与潜能。 目前，集团旗下相关产品及解决方案拥有良好的自然语言处理与机器学习能力，支持多语种沟通和多模 态精准识别与可靠扩展。在实际应用中，该类产品及解决方案可依据所服务行业客户的具体需求与场景 属性进行高适配性调整与优化，流畅实现在具体应用中多系统间的准确切换、设备控制、数据导出、智 能化评估、环节监控等一系列数字化操作与实时信息交互。与此同时，在数字化应用价值方面，该类产 品及解决方案可为行业客户提供更便捷、更个性化的服务，为所服务行业客户在用户体验改善、服务效 率提升、运营成本降低、推广业务场景和服务模式创新等诸多方面带来更直观的价值呈现。 后续，新纽科技将深耕技术创新的同时，积极探索帮助行业客户实现数字化及数智化转型赋能高质量发 展的更多可能，努力为以数字人为代表的创新应用，在更广泛行业领域与业务场景中的落地开花提 供"土壤"与"养分"。 新纽科 ...