每经AI快讯，1月5日，A股多元金融板块午后走弱，翠微股份跌超8%，鲁信创投、拉卡拉跌超7%，海 南华铁、中油资本、爱建集团跟跌。 （文章来源：每日经济新闻） ...

Core Insights - The core viewpoint of the articles highlights the recognition of Lakala as a leading player in the digital payment sector, reaffirming its strong market position and commitment to innovation and compliance in operations [1][2]. Group 1: Company Recognition - Lakala has been ranked 74th in the "Top 100 Chinese Internet Enterprises Comprehensive Strength Index (2025)" released by the China Internet Association, marking its seventh consecutive year in the top 100 [1]. - The evaluation criteria for the top 100 include seven dimensions: scale strength, profitability, innovation capability, growth capability, risk control capability, social responsibility, and corporate credit, reflecting the overall development status of Chinese internet enterprises [1]. Group 2: Business Strategy - In 2025, Lakala aims to promote digital payment, share digital technology, and realize data value, focusing on strengthening its core payment business [2]. - The company is accelerating the integration of payment services with SaaS and AI, systematically promoting AI applications in merchant services, enterprise operations, and risk control [2]. - Lakala is building a digital service system centered on "Payment + SaaS + AI," enhancing merchant service efficiency and resilience, and supporting the digital upgrade of the real economy [2].

Investment Rating - The report assigns an "Overweight" rating for the industry, indicating a projected performance that exceeds the Shanghai and Shenzhen 300 Index by more than 15% [4][10]. Core Insights - Major banks, including ICBC, ABC, CCB, BOC, and PSBC, announced that starting January 1, 2026, digital RMB wallets will earn interest based on the current deposit rate, which is expected to enhance the promotion of digital RMB and drive its growth [2][4]. - The introduction of interest on digital RMB wallets marks a transition from a cash-like version (1.0) to a deposit currency version (2.0), addressing previous limitations that hindered user adoption and bank promotion [4]. - The interest policy is anticipated to activate both supply and demand sides of the digital RMB ecosystem, enhancing banks' willingness to promote digital RMB and increasing user interest due to the potential for earning interest on idle funds [4]. Summary by Sections Industry Overview - The report highlights the shift in digital RMB from a non-interest-bearing currency to an interest-bearing asset, which is expected to attract more users and expand the ecosystem [4]. Policy Implications - The interest payment policy aligns with the central bank's action plan, facilitating the integration of digital RMB into the banking system and allowing banks to utilize wallet balances for lending, thus generating interest income [4]. User Engagement - The report notes that the interest incentive will likely increase user retention of funds in digital RMB wallets, encouraging merchants to expand acceptance scenarios and promoting the continuous growth of the digital RMB ecosystem [4]. Investment Recommendations - The report suggests that digital RMB is transitioning into a digital deposit currency era, with banks likely to actively participate in its development. Companies providing compatible digital RMB terminal devices and services, such as Lakala, Yika, and Lianlian Digital, are recommended for investment [4][5].

Core Viewpoint - The diversified financial sector experienced a decline of 0.43% on December 31, with Ruida Futures leading the drop, while the Shanghai Composite Index rose by 0.09% and the Shenzhen Component Index fell by 0.58% [1] Group 1: Market Performance - The diversified financial sector's stocks showed mixed performance, with notable gainers including Lakala, which rose by 7.07% to close at 28.48, and ST Rendo, which increased by 2.95% to 8.02 [1] - Conversely, Ruida Futures saw a significant decline of 5.58%, closing at 27.07, marking it as the worst performer in the sector [2] Group 2: Trading Volume and Value - Lakala recorded a trading volume of 1.4885 million shares and a transaction value of 4.168 billion yuan, indicating strong investor interest [1] - The overall net inflow of funds in the diversified financial sector was 64.3125 million yuan, while retail investors contributed a net inflow of 14.8 million yuan [2][3] Group 3: Fund Flow Analysis - Major funds showed a net inflow of 42.3 million yuan into Lakala, while retail investors had a net outflow of 20 million yuan [3] - ST Panda experienced a significant net outflow from major funds, amounting to 1.6663 million yuan, indicating weak institutional support [3]

据iFinD统计，截至12月30日，沪深两市共有120股连续5日或5日以上获融资净买入。连续获融资净买入 天数最多的股票是研奥股份，连续13个交易日获净买入；连续获融资净买入天数较多的还有歌尔股份、 三人行、联芸科技、拉卡拉、先锋精科、佳驰科技、天马科技、上海谊众等股。 （文章来源：证券时报网） ...

Core Insights - The People's Bank of China has introduced a new action plan to enhance the management and service system for digital currency, with a new digital RMB framework set to launch on January 1, 2026 [1][2] - As of November 2025, the digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets opened through the digital RMB app [1] - The digital RMB is evolving into a strategic tool that integrates finance, technology, and data, enhancing trade efficiency and national competitiveness [3] Group 1: Digital Currency Developments - The digital RMB's management system and infrastructure will officially start in 2026, indicating a significant step in China's digital currency evolution [1] - The digital RMB has seen substantial adoption, with 3.48 billion transactions and a total transaction value of 16.7 trillion yuan by late 2025 [1] - The digital RMB app has facilitated the opening of 230 million personal wallets, showcasing its growing user base [1] Group 2: Challenges and Opportunities - The article outlines four key challenges faced by central banks regarding digital currency: modern payment tools' impact on monetary control, risks of financial disintermediation, the relationship between digital cash and commercial banks, and the balance between centralized management and decentralized blockchain features [2] - The Chinese government is exploring international cooperation in digital finance, particularly through the mBridge project for cross-border payments with countries like Thailand and the UAE [2] - Predictions suggest that by 2030, the global cross-border payment market could reach $290 trillion, with the RMB's share potentially between 10% and 20%, and digital currency penetration between 20% and 40% [2] Group 3: Blockchain and Industry Growth - As of December 25, 2025, China has registered 74,600 blockchain-related companies, marking a record high in the past five years, with the majority located in South China [3] - The number of existing blockchain companies in China has steadily increased over the past decade, with a notable acceleration in growth since 2019, totaling 289,400 companies by late 2025 [3] - The development of digital RMB is seen as a strategic asset that leverages blockchain technology to enhance trade efficiency and align with national interests [3]

Investment Rating - The industry investment rating is "Overweight" indicating a positive outlook for the digital currency sector compared to the overall market performance [8]. Core Insights - The People's Bank of China has introduced an action plan to enhance the management and service system for digital currency, set to be implemented on January 1, 2026. This plan redefines digital currency from M0 to M1, integrating it into the reserve system and allowing interest payments on digital currency wallet balances [2]. - The action plan emphasizes a hybrid model combining account-based management and blockchain efficiency, highlighting the importance of compliance and regulation [2]. - With the M1 positioning, both individuals and commercial banks are incentivized to adopt and promote digital currency, enhancing its security and convenience compared to traditional electronic payments [2]. - The government is actively promoting cross-border digital currency payments, with initiatives such as the establishment of an international operation center in Shanghai and the launch of a cross-border digital payment platform [2]. - Various local governments are implementing measures to encourage the use of digital currency, such as issuing coupons and integrating it with cultural activities, indicating a strong push towards building a digital currency ecosystem [2]. Summary by Sections Regulatory Developments - The central bank's action plan includes integrating digital currency into the reserve system, allowing banks to pay interest on digital currency wallet balances, thus treating it similarly to deposits [2]. Market Dynamics - The shift to M1 is expected to motivate banks and individuals to engage more with digital currency, enhancing its usability and attractiveness [2]. Government Initiatives - The government is focusing on cross-border payment solutions and has launched several platforms to facilitate digital currency transactions, aiming to reduce transaction times significantly [2]. Related Companies - Companies involved in the digital currency ecosystem include those updating banking IT systems (e.g., Newland, Sifang Jingchuang), promoting payment solutions (e.g., Lakala), and hardware wallet providers (e.g., GDT, Feitian Integrity) [2][3].

央行重磅！数字人民币迎计息新时代，A股相关概念股集体躁动。 周二，数字经济、数字货币概念继续强势上涨。 数字认证盘中一度逼近涨停，现涨超17%；御银股份、翠微股份2连板，航天信息10CM涨停，中科金 财、飞天诚信等涨超6%，拉卡拉、广电运通等涨超5%。 | 代码 | 名称 | 最新价 | 涨跌额 | 涨跌幅 √ | 总市值 | | --- | --- | --- | --- | --- | --- | | 300579 | 数字认证 | 35.11 | +5.32 | 17.86% | 94.8 Z | | 002177 | 御银股份 | 8.55 | +0.78 | 10.04% | 65.08亿 | | 603123 | 翠微股份 | 17.63 | +1.60 | 9.98% | 140.82亿 | | 600271 | 航天信息 | 11.59 | +1.05 | 9.96% | 214.75亿 | | 002657 | 中科金财 | 30.22 | +1.86 | 6.56% | 102.76亿 | | 300386 | 飞天诚信 | 18.14 | +1.10 | 6.46% | 75.83亿 | ...

Market Overview - The A-share market experienced mixed performance with the Shanghai Composite Index recording a "9 consecutive days of gains" as of December 29, 2023, marking a slight increase of 0.04% [1] - The Shenzhen Component Index and the ChiNext Index fell by 0.49% and 0.66% respectively, while the North Star 50 Index decreased by 0.45% [1] - Total trading volume in the Shanghai and Shenzhen markets was 21,577 billion yuan, a decrease of 234 billion yuan from the previous day [1] Multi-Financial Sector - The multi-financial sector showed active performance, with stocks like Lakala leading the gains, and companies such as Cuiwei Co., Luxin Venture Capital, and Yuexiu Capital reaching around 10% limit up [3] - On December 26, the Shanghai Stock Exchange announced new guidelines to support high-quality commercial rocket enterprises under the Sci-Tech Innovation Board, which is expected to accelerate the development of the commercial aerospace industry [3] - The rapid growth of the commercial aerospace sector is projected to create significant market opportunities for carbon fiber composite materials, which can account for 70%-90% of the structural weight in spacecraft [3] Carbon Fiber Industry - Shanxi Securities noted that leading companies in the carbon fiber industry are announcing price increases, indicating a recovery in industry conditions [4] - The market for carbon fiber is showing clear differentiation, with general products facing strong competition, while high-end applications in aerospace, hydrogen storage, and wind power require consistent performance and reliable supply [4] - According to Baichuan Yingfu, China's actual consumption of carbon fiber is expected to reach 96,446 tons in 2025, a year-on-year increase of 71.89%, primarily driven by the wind power and aerospace sectors [4] Brain-Computer Interface Sector - The brain-computer interface sector saw significant gains, with Haige Communication reaching around 10% limit up, followed by companies like Meihao Medical and Mcland [5] - On December 26, the National Medical Products Administration released a list of high-end medical devices for priority approval, which includes implantable brain-computer interface devices [5] - The global brain-computer interface market is currently valued at several billion dollars and is expected to exceed 10 billion dollars by 2030, with the medical application market projected to reach 40 billion dollars by 2030 and 145 billion dollars by 2040 according to McKinsey [5][6]

Group 1 - The digital currency industry is experiencing a positive surge, with related stocks in the A-share market collectively rising, including notable gains from companies like Cuiwei Co., Ltd. and Digital Certification [1] - The People's Bank of China announced the implementation of a new action plan for the digital renminbi, set to launch on January 1, 2026, marking a transition from digital cash to digital deposit money [2][3] - The action plan aims to reshape the monetary attributes and operational logic of the digital renminbi, enhancing its role in the financial ecosystem and encouraging banks to actively participate in its development [2][3] Group 2 - The action plan is expected to provide financial institutions with innovative tools and business models, improving payment services and expanding applications in cross-border trade and supply chain finance [3] - The digital renminbi is anticipated to reduce transaction costs and improve operational efficiency for businesses, particularly benefiting small and micro enterprises [3] - Over 50 companies in the A-share market are already engaged in digital renminbi-related businesses, primarily in the computer, communication, and electronics sectors, presenting long-term investment opportunities driven by policy and industry implementation [3]