数字人民币将“进军”预付式消费

Core Viewpoint - The People's Bank of China Shenzhen Branch, along with nine other departments, has issued the "Implementation Opinions" to accelerate the digital transformation of financial institutions and support the development of a "Digital Shenzhen" model through 18 specific measures aimed at enhancing digital finance innovation and governance [1] Group 1: Digital Transformation and Innovation - The "Implementation Opinions" require financial institutions to establish a coordinated mechanism led by top management to enhance cross-departmental resource allocation and task supervision, promoting the application of artificial intelligence and domestic reasoning models [2] - Financial institutions are encouraged to leverage major national strategic platforms to expand cross-border cooperation with Hong Kong and innovate in supply chain finance [2] Group 2: Product Development and Services - Financial institutions are urged to utilize digital technologies such as AI and big data to create innovative products like "Tengfei Loan," "Carbon Reduction Loan," and "Cross-border Loan," while exploring data asset credit enhancement and green financial products [3] - The "Implementation Opinions" promote the development of standardized, traceable green bonds and insurance products, as well as the innovation of cross-border financial services using blockchain technology [3] Group 3: Payment and Credit Systems - The document emphasizes the promotion of digital RMB applications in public services and supply chain finance, and the establishment of a comprehensive payment demonstration area in Shenzhen [4] - It highlights the integration of credit information across various sectors to enhance the effectiveness of financial services and support the "Five Major Articles" of finance [4] Group 4: Regulatory Framework and Risk Management - Shenzhen is focusing on financial regulatory innovation and risk prevention, having initiated testing for 15 financial technology innovation projects [5] - The "Implementation Opinions" advocate for the enhancement of digital regulatory capabilities and the establishment of a comprehensive data governance system to mitigate risks related to data privacy and security [5]