三部门联合力挺！数字人民币智能合约红包成促消费“新引擎”

Core Viewpoint - The recent Central Economic Work Conference emphasized the importance of "domestic demand as the main driver" and the construction of a strong domestic market as a key task for economic work in 2026 [1] Group 1: Digital Currency and Consumption Promotion - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau jointly issued a notice highlighting the application of digital RMB in promoting consumption, including the use of smart contract red envelopes to enhance policy effectiveness [1][2] - Digital RMB is seen as a crucial tool for implementing policies effectively and achieving short-term growth goals while also modernizing the payment system and deepening financial supply-side structural reforms [1][2] - The Shanghai Financial and Development Laboratory noted that promoting digital RMB for consumption is a key measure to serve national macroeconomic goals, quickly converting subsidies into purchasing power for consumer recovery [2] Group 2: Unique Advantages of Digital RMB - Digital RMB offers four unique advantages in consumption scenarios: 1. Conditional payment functionality through smart contracts ensures funds are used for specific purposes, unlike traditional payment methods [4] 2. Instant settlement reduces transaction costs and increases payment efficiency [4] 3. Enhanced financial inclusivity allows for easier access to benefits for low-income and remote residents [4] 4. Data traceability aids in precise policy formulation while protecting user privacy [4] Group 3: Challenges in Digital RMB Promotion - Despite its potential, digital RMB faces challenges in technology, market acceptance, and institutional frameworks that need collaborative efforts for expansion and mechanism improvement [6][7] - The depth and breadth of application scenarios remain a primary task, with suggestions to increase penetration in high-frequency consumption areas [6] - Technical support and user acceptance issues are significant, including the need for standardized templates for smart contracts and improved user experience compared to existing payment tools [7]