数字人民币迎来“升级”7只概念股获主力资金抢筹

Group 1 - The People's Bank of China will implement a new action plan for the management and service system of digital RMB, with a new framework and ecosystem set to launch on January 1, 2026, marking an upgrade from digital cash to digital deposit currency [2] - As of November 2025, digital RMB has processed 3.48 billion transactions with a total transaction amount of 16.7 trillion yuan, and 230 million personal wallets have been opened through the digital RMB app [2] - The mBridge project has processed 4,047 cross-border payment transactions, amounting to approximately 387.2 billion yuan, with digital RMB accounting for about 95.3% of the total transaction volume [2] Group 2 - On December 29, 2022, seven digital RMB concept stocks saw net inflows exceeding 100 million yuan, with Lakala leading at 371 million yuan [3] - The "14th Five-Year Plan" emphasizes the steady development of digital RMB, with applications expanding from personal consumption to industrial finance, cross-border trade, and public services [3] - Various regions are exploring innovative applications of digital RMB, including its use in debt settlement and industrial internet scenarios [3] Group 3 - Guotai Junan Securities believes that digital RMB will accelerate penetration across the supply chain, with significant growth potential in banking IT and fintech sectors [4] - The demand for bank system upgrades and digital wallet development will be driven by digital RMB, while the payment ecosystem will see increased demand for POS machines and ATMs [4] Group 4 - A total of 64 A-share companies are involved in digital RMB-related businesses, with the computer industry having the highest representation at 43 companies [5] - Eight digital RMB concept stocks have been heavily favored by institutional investors, with a total market value of 2.939 billion yuan held by social security funds and pension funds [5] - Unisoc Microelectronics has seen significant investment from social security funds, with a market value of 1.89 billion yuan, and has made technological advancements in digital currency hardware [5]