数字人民币顶层制度设计将持续完善 确保“可控匿名”有效落实

Core Insights - The digital RMB pilot program has expanded to 23 regions across 15 provinces and cities, with significant transaction volumes and innovative applications emerging in various sectors [1][2] Group 1: Pilot Expansion and Transaction Volume - The digital RMB pilot program has expanded from 10+1 regions to 15 provinces and cities, with 23 areas involved [2] - As of May 31, the pilot regions have recorded approximately 264 million transactions, amounting to about 83 billion RMB [1] Group 2: Application Scenarios and Innovations - New application scenarios for digital RMB are being developed, including a "digital currency + public fund" service in Shenzhen and cross-region tax payments in Guangzhou [2] - The digital RMB features characteristics such as low cost, immediate settlement, and programmability, which are being leveraged to enhance public and private sector integration [3] Group 3: Privacy Protection Measures - The digital RMB adheres to the principle of "small amounts anonymous, large amounts traceable," ensuring robust personal information protection [4][5] - The dual-layer operational system allows for the collection of necessary personal information while maintaining user privacy [5] Group 4: Legal and Regulatory Framework - There is an ongoing effort to establish legal regulations and industry policies to solidify the legal foundation for digital RMB [6][7] - Key measures include creating information isolation mechanisms, defining legal conditions for wallet operations, and enhancing anti-money laundering regulations [7]