创新数字人民币应用场景

Core Insights - The People's Bank of China (PBOC) in Yangzhou has facilitated a significant cross-border payment using the multi-currency central bank digital currency (CBDC) bridge, marking a payment of 25 million yuan, which is the largest single transaction of its kind in Yangzhou [1] - The multi-currency CBDC bridge significantly reduces payment processing time from 5-6 hours to approximately 40 minutes, enhancing efficiency in international procurement and production planning [1] - Jiangsu province has actively promoted the adoption of digital yuan, integrating it into over 100 innovative scenarios and technical products across various sectors, including public services and transportation [1][2] Group 1 - The multi-currency CBDC bridge has processed a cumulative transaction amount exceeding 18 billion yuan across 13 cities in Jiangsu, showcasing its effectiveness in cross-border payments [1] - Digital yuan payment has been implemented in various public services, with over 80% coverage in key areas such as public transportation and utility payments [1] - Jiangsu's digital yuan initiatives are part of a broader strategy to enhance consumption, promote high-level openness, and support the development of a digital economy [2] Group 2 - Specific regions like Huai'an and Xuzhou have tailored digital yuan service packages for over 300 specialized and technology-driven enterprises, achieving a transaction volume of 1.5 billion yuan [2] - Jiangsu has launched over 4,400 prepaid consumer products, generating transaction amounts exceeding 20 million yuan, indicating a shift towards large-scale applications of smart contracts [2] - By the end of November 2025, Jiangsu is projected to have a digital yuan transaction volume exceeding 5 trillion yuan, with a 90% year-on-year growth, leading the nation in cumulative transaction and consumption amounts [2]