以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 证券之星消息，2月5日数字人民币板块较上一交易日下跌1.22%，芯原股份领跌。当日上证指数报收于 4075.92，下跌0.64%。深证成指报收于13952.71，下跌1.44%。数字人民币板块个股涨跌见下表： 从资金流向上来看，当日数字人民币板块主力资金净流出10.34亿元，游资资金净流入4.66亿元，散户资 金净流入5.68亿元。数字人民币板块个股资金流向见下表： ...

报告还梳理了数字人民币与全球加密资产的发展态势、核心特征以及全球监管政策与研究动态等，为我 国数字金融规范发展、守护国家金融安全提供学术参考与智力支撑。(完) （文章来源：中国新闻网） 报告提出三点政策建议：一是拓展数字人民币应用场景，夯实其数字经济底层地位；二是统筹防范稳定 币风险，维护人民币国际化战略空间；三是加强前瞻性研究，推动监管与学术协同。 中新网北京2月4日电(记者谢艺观)"当前新一轮数字技术革命深刻重塑全球经济与金融体系，数字货 币、加密资产等新型金融形态加速演进，既拓展了金融运行的技术边界，也对货币主权、金融安全和治 理能力提出新的挑战。"近日，《数字人民币与全球加密资产展望2026》发布会在北京举行，中央财经 大学副校长、国家数据工程与安全学院院长李建军如是表示。 会上发布了《数字人民币与全球加密资产展望2026》报告。报告指出，数字人民币试点已实现规模化运 行，功能向资金管理与治理工具延伸；全球稳定币规模大幅攀升，外溢影响需重点关注；加密资产市场 波动加剧且向头部集中，与宏观政策关联紧密。 ...

中新网长沙2月4日电(向一鹏)中国人民银行湖南省分行4日透露，截至2025年末，湖南支持数字人民币 支付的商户已达60.7万户，累计开立钱包2538万个，累计交易金额567亿元，单月交易笔数、交易金额 长期位居全国同批试点地区前列。 2025年，人民银行湖南省分行会同长沙市政府组织相关银行机构开展"用数币称心意"数字人民币主题宣 传推广和一系列促消费优惠活动，各银行机构累计投入1500万元，带动消费35亿元，有力提振和扩大了 消费。同时，借助中非经贸博览会等契机，面向境内外人士推介数字人民币，推动银行机构在全省落地 多边央行数字货币桥业务，交易结算时间及成本大幅降低，为企业提供了更快速、更便宜、更安全的跨 境支付结算通道。 人民银行湖南省分行相关负责人表示，2026年1月1日，新一代数字人民币计量框架、管理体系、运行机 制和生态体系正式启动实施，数字人民币从数字现金时代迈入"数字存款货币时代"。人民银行湖南省分 行将加力数字人民币赋能金融"五篇大文章"、助力提振扩大消费、拓展跨境支付服务，提高数字人民币 在零售商超、民生缴费、交通出行、医疗文旅等领域的使用覆盖率，深化数字人民币产品与各消费场景 的合作，为湖南 ...

Core Insights - The digital renminbi has officially entered its 2.0 era after ten years of exploration, marking a significant transition from cash to deposit currency with the introduction of an interest mechanism and an expanded ecosystem [2][8] Group 1: Digital Renminbi Development - The People's Bank of China has implemented an action plan to enhance the management and service system of the digital renminbi, which includes a 0.05% interest rate, representing a crucial step in its development journey [2][8] - The digital renminbi has processed over 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets and 1.884 million corporate wallets opened, showcasing its achievements in the global central bank digital currency landscape [3][9] Group 2: Key Adjustments in Digital Renminbi 2.0 - The transition to digital renminbi 2.0 involves four key adjustments: inclusion in the reserve requirement framework, allowing interest on wallet balances, enabling commercial banks to use digital renminbi for loans, and incorporating digital renminbi deposits into deposit insurance [4][10] - This transformation signifies a shift from a "payment tool" to "financial infrastructure," aligning its institutional attributes and financial functions with traditional currencies [5][10] Group 3: Strategic Implications - The advancement of the digital renminbi is part of a strategic response to global digital currency competition, with China firmly promoting its central bank digital currency while the U.S. and EU pursue different paths [5][10] - The digital renminbi's capabilities in cross-border payments, utilizing blockchain technology for "payment and settlement," have shown advantages in various trade scenarios, contributing to the internationalization of the renminbi [11] Group 4: Future Directions - The development of the digital renminbi must balance stability and progress, focusing on serving the real economy while exploring applications in supply chain finance and trade financing [6][11] - The new roadmap for the digital renminbi represents a deepening of financial reform and a strategic choice for China's participation in global financial governance, aiming to enhance monetary sovereignty and support high-quality development [6][11]

Core Viewpoint - The strategic partnership between Ocean Group Holdings Limited and Consciousness Foundation Ltd. aims to develop the "Silicon Buddy" AI companion robot under the X-Mart brand, marking a significant advancement in the company's Web 4.0 strategy by transitioning AI technology from virtual digital humans to physical smart hardware [1][4]. Group 1: Strategic Partnership - The collaboration is a key move in Ocean Group's transformation from traditional manufacturing to a Web 4.0 digital ecosystem builder, with clear division of roles and complementary strengths to accelerate the development and market launch of AI robotic products [2][4]. - Ocean Group will leverage its core competencies to provide comprehensive AI technology support and a mature smart hardware supply chain, including multi-modal interaction algorithms, emotional perception systems, and backend data platform development [2][3]. - Consciousness Foundation Ltd. will contribute its established consumer product design team and global sales channels, responsible for the creative design, terminal operations, and market promotion of the AI robot, ensuring rapid product scaling with existing order resources [2][3]. Group 2: Technological and Industrial Foundation - Ocean Group has a solid foundation with 30 years of experience in silicone core component manufacturing, creating an integrated production system and global supply chain capabilities essential for smart hardware mass production [3]. - The company initiated AI technology research and development in 2023, forming a specialized AI digital division that has established a core barrier in the AI digital human field, validating its self-developed data-asset-value (DAT) model in various sectors [3]. - The integration of digital human multi-modal interaction and emotional recognition technologies into physical robots completes the industrial loop for the company's AI technology deployment [3]. Group 3: Market Potential and Future Plans - The global digital economy is entering an AI-driven industrial upgrade cycle, with the AI smart hardware market experiencing explosive growth, making this partnership a crucial step for Ocean Group to break traditional business boundaries and implement its Web 4.0 strategy [4]. - The collaboration is expected to facilitate rapid product monetization and assist the company in accelerating its transformation into an AI smart hardware and digital ecosystem enterprise [4]. - Future plans include leveraging the joint venture to promote the global rollout of X-Mart robots and exploring the integration of AI robots with Real World Asset (RWA) tokenization, thereby broadening the value boundaries and enhancing the company's core competitiveness and long-term profitability [4].

人民银行湖南省分行表示，2026年1月1日，新一代数字人民币计量框架、管理体系、运行机制和生态体系正式启动实施，数字人民币从数字现金时 代迈入"数字存款货币时代"。人民银行湖南省分行将坚决贯彻落实党中央"稳步发展数字人民币"的重大决策，紧紧围绕总行和省委、省政府的工作 部署，加力数字人民币赋能金融"五篇大文章"、助力提振扩大消费、拓展跨境支付服务，提高数字人民币在零售商超、民生缴费、交通出行、医疗 文旅等领域的使用覆盖率，深化数字人民币产品与各消费场景的合作，为湖南经济社会高质量发展注入更多金融动能。 潇湘晨报·辣椒财经记者郝咏琪 2月4日，2025年湖南省金融运行情况新闻发布会举行。记者于会上获悉，截至2025年末，全省支持数字人民币支付的商户已达60.7万户，累计开立 钱包2538万个，累计交易金额567亿元，单月交易笔数、交易金额长期位居全国同批试点地区前列。 据了解，2025年，人民银行湖南省分行会同长沙市政府组织相关银行机构开展"用数币 称心意"数字人民币主题宣传推广和一系列促消费优惠活 动，各银行机构累计投入1500万元，带动消费35亿元，有力提振和扩大了消费。借助中非经贸博览会、RCEP（区域全 ...

Core Viewpoint - The development of digital RMB is positioned as a crucial component in enhancing the central banking system and constructing a robust monetary policy framework, aiming to establish a financial powerhouse in China [1] Group 1: Digital RMB Development - The digital RMB has been recognized as an essential financial infrastructure in the digital economy era, with its development being a strategic initiative for deepening financial supply-side structural reforms and maintaining national financial security [1] - The People's Bank of China plans to implement a new generation of digital RMB management and service systems by January 1, 2026, marking the upgrade from version 1.0 (digital cash) to version 2.0 (digital deposit currency) [1] Group 2: Monetary Policy Effectiveness - The comprehensive promotion of digital RMB is expected to significantly enhance the precision and transmission efficiency of monetary policy, providing robust monetary tools for building a financial powerhouse [2] - Digital RMB's programmable features allow for targeted fund allocation, ensuring that credit flows to key sectors such as technological innovation and green manufacturing, thus addressing structural challenges in traditional monetary policy [2] Group 3: Financial Security - In the context of rising geopolitical risks, digital RMB plays a strategic role in maintaining national financial security, with its infrastructure and core data fully controlled by the state [3] - Digital RMB aims to reconstruct the cross-border payment and settlement system, enhancing the international competitiveness of the RMB by lowering costs and barriers for cross-border transactions [3] Group 4: Financial Inclusion - Digital RMB is designed to lower the barriers to accessing financial services, improving coverage and quality, particularly benefiting small and micro businesses by saving transaction costs [5] - The offline payment capability of digital RMB ensures basic payment needs are met even in areas with poor network signals, thus bridging the "digital divide" in financial services [5] Group 5: Empowering the Real Economy - Digital RMB is viewed as a vital financial innovation tool for promoting the integration of digital and real economies, enhancing the efficiency of supply chain finance and industry collaboration [6] - The low-cost settlement mechanism of digital RMB is expected to alleviate funding bottlenecks for enterprises, thereby supporting their operational needs [6] Group 6: Social Governance Innovation - Digital RMB offers unique advantages in government public service payments, enhancing transparency, security, and convenience for vulnerable groups [7] - The "controllable anonymity" feature of digital RMB protects user privacy while allowing the state to monitor for serious crimes, thus improving governance efficiency [7] Group 7: Strategic Value Recognition - Recognizing the strategic value of digital RMB, the implementation of the action plan is seen as an opportunity to innovate steadily, improve the ecosystem, and expand application scenarios, contributing to the construction of a financial powerhouse and providing a reference for global digital currency development [8]

Group 1 - The report analyzes the dynamics of cross-border applications of Central Bank Digital Currencies (CBDCs), the progress of the digital yuan, and future prospects [1][10][30] - CBDC exploration began in the 2010s, accelerating between 2019 and 2020, with only a few countries expected to officially launch retail CBDCs by the end of 2024, while 85 out of 93 surveyed central banks are exploring CBDCs [1][11][30] - The stablecoin market is rapidly growing, projected to exceed $310 billion by the end of 2025, primarily serving digital asset transactions, with significant growth in B2B cross-border payment applications [1][19][22] Group 2 - The digital yuan (e-CNY) is continuously optimizing its technical architecture and management mechanisms, with a mixed architecture of "account system + currency string + smart contracts" and a dual-layer operational framework [2][24][30] - As of November 2025, the e-CNY has processed 3.48 billion transactions amounting to 16.7 trillion yuan, covering multiple sectors and forming replicable models [2][27][30] - The cross-border application of e-CNY is steadily advancing, with significant participation in the mBridge project, where the cumulative transaction amount is approximately 387.2 billion yuan, with e-CNY accounting for about 95.3% [2][28][30] Group 3 - The cross-border application of CBDCs is still in its early stages, with the digital yuan expected to achieve greater breakthroughs through multilateral collaboration, technological interoperability, and ecosystem building [3][10][30] - The report highlights the advantages of CBDCs over stablecoins, including clear legal status and adherence to traditional financial regulatory principles [2][30] - Future trends for the cross-border application of the digital yuan include the implementation of interest mechanisms, deepening participation in the mBridge project, and expanding the application ecosystem [2][30]

数字人民币试点覆盖全国百城：一场普惠金融的数字化升级 当数字科技的浪潮席卷全球，货币形态的变革已成为不可逆转的趋势。近日，数字人民币试点范围已覆盖全国百余个城市，这 一里程碑式的进展，标志着我国的金融数字化基础设施建设迈出了坚实的一步。这不仅仅是一次支付方式的更新，更是一场普 惠金融的深刻变革，正在悄然重塑我们每个人的生活图景。 数字人民币，作为中国人民银行发行的数字形式的法定货币，与纸钞硬币等价，具有"价值特征"和"法偿性"。它不同于我们熟 悉的微信支付或支付宝，后者是"钱包"，而数字人民币是"钱"。这意味着，数字人民币具有国家信用背书，是安全等级最高的 资产。随着试点覆盖百城，这种安全、便捷、普惠的"数字现金"正加速飞入寻常百姓家。 首先，我们要搞清楚一个概念：数字人民币它到底是啥？简单来说，它就是钱，只不过是数字形态的钱。咱们平时用的微信、 支付宝，本质上是"钱包"，里面装的是你在银行卡里的钱；而数字人民币，它本身就是"钱"，是国家发行的法定货币，有着和 纸币、硬币一模一样的法律地位。这意味着，只要你接受了数字人民币，任何商家和个人都不能拒收，这叫"法偿性"。 既然有了微信和支付宝这么好用的工具，为什么 ...

Core Insights - The "Fire Explosion" brand is entering a new phase of digital and IP transformation, significantly impacting the liquor industry and the broader consumer market [1] Group 1: Brand and Cultural Integration - The "Fire Explosion" brand leverages trendy beverage culture to express lifestyle and individuality, creating a brand ecosystem that integrates technology, culture, and interaction through digital IP characters [2] - The brand aims to deepen emotional connections with consumers by merging traditional liquor culture with modern technological experiences, thus broadening its consumer base and promoting the integration of traditional culture with contemporary consumption [2] Group 2: Transformation from Product to IP - The brand's exploration represents a new path for the liquor industry, transitioning from product-driven to IP-driven strategies, enhancing brand value through cultural output and emotional resonance [3] - The "Fire Explosion IP National Dealer Store Interactive Tour" will engage consumers in brand storytelling and social media sharing, creating a strong user-generated content effect and providing a model for experiential marketing in the liquor sector [3] Group 3: Industry Ecosystem Upgrade - The brand plans to use digital IP as a lever for ongoing strategic development, including city tours, cross-industry collaborations, and content co-creation to build a comprehensive brand ecosystem [4] - By opening up the IP cooperation ecosystem, the brand aims to shift the industry from product competition to ecological competition, injecting new energy into the sector through digitalization, IP development, and youth engagement [4]