北京商报讯（记者 刘四红）2月8日，北京商报记者获悉，2月6日，在中国人民银行指导下，数字人民 币运营管理中心协调数字人民币业务运营机构，在成都落地全国首单数字人民币智能合约农民工工资发 放业务。 该业务依托数字人民币运营管理中心提供的数字人民币智能合约生态服务平台，实现工资发放自动执 行，为服务保障农民工工资支付这项民生工程探索出了数字金融和普惠金融新模式。 数字人民币智能合约通过一套基础设施、规则标准和产品体系实现合同的数字化、自动化和强制执行， 杜绝人为干预，并支持跨机构的互通调用。 据介绍，在中国人民银行指导下，数字人民币运营管理中心负责提供智能合约生态服务平台，并制定相 应的智能合约应用标准，支持开源生态体系建设。金融机构可在此基础上与自有业务系统融合，为不同 应用场景灵活打造产品解决方案。截至2026年1月末，数字人民币智能合约在预付资金管理、供应链金 融、企业集团财务管理、补贴发放等领域试点应用，累计签约合约数48.64万个，累计交易金额3.16亿 元。 ...

Core Viewpoint - The digital RMB is set to undergo significant upgrades and widespread adoption starting in 2026, transitioning into a new era of digital currency that will increasingly replace physical cash [4]. Group 1: Digital RMB Development - The digital RMB was first introduced to the public in 2019, with the official app launched in 2022, leading to 225 million personal wallets and a total transaction amount of 14.2 trillion yuan by September 2025 [1]. - The digital RMB has been used for cross-border payments, with the first transaction occurring in Laos in December 2022 [1]. Group 2: User Experience and Features - Users can now access digital RMB without internet connectivity, and it can be linked to traditional bank accounts, allowing for interest accrual and deposit insurance [8][10]. - The digital RMB will be included in deposit insurance coverage, ensuring user protection in case of bank issues, and allowing for flexible management of funds, including the option for term deposits and investments [10]. Group 3: Cross-Border Payment Enhancements - The digital RMB will facilitate easier cross-border payments for individuals and businesses, with the establishment of a digital RMB international operation center to streamline transactions [10][11]. - The clear tracking of funds in the digital RMB system will simplify the process for legitimate cross-border payments, reducing the need for complex application procedures [10].

会议要求，落实好2026年"北京服务"工作任务。做好重点商户外卡受理环境建设，常态长效优化支付服 务。继续做好一次性个人信用修复政策实施，强化征信数据源头治理。打造数字人民币2.0版本特色应 用场景。扎实做好基础现金业务。持续做好国库服务工作。 北京商报讯（记者 董晗萱）2月6日，据人民银行北京市分行官微，人民银行北京市分行召开2026年北 京辖区金融管理工作通报会。 ...

Core Viewpoint - The "2026 'Buy New Year' Spring Festival Special Activity Plan" aims to promote the use of digital RMB smart contract consumption red envelopes, enhancing the integration of digital and physical consumption, and injecting new momentum into economic recovery [1][2]. Policy Foundation - The activity plan indicates that digital RMB has evolved from a transaction infrastructure to a precise consumption promotion policy tool, ensuring that funds are directed into physical consumption scenarios, thus improving the efficiency of fiscal resource allocation [2]. - The plan promotes the upgrade of consumption tools, transitioning from broad subsidies to precise, traceable, and closed-loop funding mechanisms, facilitating the large-scale implementation of digital RMB [2][3]. Unique Advantages - Digital RMB smart contract consumption red envelopes offer three unique advantages: precise triggering, cost reduction, and risk prevention. This includes setting conditions for fund usage, ensuring direct consumer incentives, and lowering costs for both government and merchants [3]. - The technology behind digital RMB provides traceability and security, preventing fraud and ensuring the safety of prepaid funds [3]. Nationwide Acceleration - The application of digital RMB smart contracts is accelerating nationwide, with specific events like the "Prosperous Qinhuai: Digital Currency Blossoms" campaign in Nanjing aimed at promoting its use in commerce and tourism [4]. - The first cross-institutional smart contract scenario was launched in September 2025, showcasing significant progress in breaking down institutional barriers and enhancing fund utilization efficiency [4]. Future Outlook - There is significant potential for further development of digital RMB smart contract red envelopes, with suggestions to target key sectors, activate offline scenarios, lower payment thresholds, optimize supply-side access for small merchants, and enhance inbound consumption [5].

Core Viewpoint - The company is focusing on the smart livelihood sector, providing intelligent solutions for social security and healthcare, while also advancing digital applications in the energy sector [1] Group 1: Smart Livelihood Sector - The company is deeply engaged in the smart livelihood field, specifically in digital human resources and smart healthcare [1] - It offers intelligent solutions for scenarios such as quick social security services, social security card integration, and long-term care insurance [1] Group 2: Smart Energy Sector - The smart energy segment provides digital grid application services for the power industry [1] - The company is building systems for government-enterprise data sharing, maintenance management, and expansion control [1] - It promotes full-chain monitoring and intelligent regulation of energy through "data elements × artificial intelligence," accelerating the digital transformation of the power grid [1]

Core Viewpoint - The company focuses on medical information technology and smart city core businesses, providing intelligent solutions in various sectors [1] Group 1: Medical Information Technology - The company is recognized for its role in medical information technology, specifically in selling registration machines [1] - It aims to enhance efficiency in healthcare services through digital solutions [1] Group 2: Smart City Business - The company is deeply engaged in the smart livelihood sector, particularly in digital human resources and smart medical insurance [1] - It provides intelligent solutions for scenarios such as quick human resources services, social security card integration, and long-term care insurance [1] Group 3: Smart Energy Sector - The smart energy segment offers digital grid application services for the power industry [1] - The company is involved in building data sharing, maintenance management, and expansion control systems for enterprises and government [1] - It promotes full-chain monitoring and intelligent regulation of energy through the integration of data elements and artificial intelligence, accelerating the digital transformation of the power grid [1]

Core Viewpoint - The company is actively engaging in the virtual digital human sector, leveraging AI technology to enhance customer interaction and operational efficiency [1] Group 1: Business Development - The company’s subsidiary, Gubei Water Town, is utilizing digital and technological empowerment to diversify its offerings [1] - The company has developed its own virtual digital human with the help of iFLYTEK's AI capabilities, enabling functions such as daily inquiries, product recommendations, and voice interactions [1] Group 2: Future Plans - The company plans to continue integrating technology and digital applications across its business segments, aligning with market demands and business development needs [1] - There is a focus on strengthening the development of smart systems and data applications to enhance operational efficiency [1]

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： ...

Core Insights - The current wave of digital technology revolution is profoundly reshaping the global economy and financial system, with digital currencies and crypto assets evolving rapidly, expanding the technical boundaries of financial operations while posing new challenges to monetary sovereignty, financial security, and governance capabilities [1] Group 1: Digital Currency and Crypto Assets - The pilot program for digital RMB has achieved large-scale operation, extending its functions to fund management and governance tools [1] - The global stablecoin market has significantly increased, necessitating attention to its spillover effects [1] - The crypto asset market is experiencing heightened volatility and concentration towards leading assets, closely linked to macroeconomic policies [1] Group 2: Policy Recommendations - The report suggests expanding the application scenarios of digital RMB to solidify its foundational role in the digital economy [1] - It emphasizes the need to coordinate the prevention of stablecoin risks to maintain the strategic space for RMB internationalization [1] - The report calls for enhanced forward-looking research to promote collaboration between regulation and academia [1] Group 3: Research and Development - The report outlines the development trends, core characteristics, and global regulatory policies related to digital RMB and crypto assets, providing academic references and intellectual support for the normative development of digital finance in China and safeguarding national financial security [1]

Group 1 - The core viewpoint of the articles highlights the significant progress and expansion of digital RMB applications in Hunan, with a target of 607,000 merchants supporting digital RMB payments by the end of 2025, and a cumulative transaction amount of 56.7 billion yuan [1][2] - Hunan's digital RMB application has evolved from "usable" to "user-friendly," establishing a replicable and promotable application model across various sectors including retail, dining, education, healthcare, and cross-border settlements [1] - The People's Bank of China Hunan Branch plans to launch promotional activities for digital RMB, with a total investment of 15 million yuan from banks, aimed at boosting consumption by 3.5 billion yuan [1] Group 2 - Starting January 1, 2026, a new generation of digital RMB measurement framework and ecosystem will be implemented, marking the transition from digital cash to "digital deposit currency" [2] - The People's Bank of China Hunan Branch aims to enhance the coverage of digital RMB in retail, public services, and transportation, contributing to high-quality economic development in Hunan [2]