digihuman(BJ:835670) Shang Hai Zheng Quan Bao·2026-01-13 18:34Core Viewpoint - The development of digital RMB is a crucial strategic initiative for China's financial security and modernization, transcending mere technological advancement to encompass financial safety, institutional innovation, and support for high-quality economic growth [1][2]. Group 1: Importance of Digital RMB - Digital RMB serves as a key vehicle for modernizing national financial infrastructure and addressing challenges posed by traditional payment systems and private digital currencies [2][3]. - The initiative is positioned as a strategic pillar for building a strong financial nation, facilitating financial security, and empowering the real economy [1][2]. Group 2: Current Advantages for Development - China has established a clear top-level design, mature technical foundation, and a well-developed industrial ecosystem, providing a solid basis for the development of digital RMB [7]. - The national consensus on the strategic importance of digital RMB is reflected in the "14th Five-Year Plan," which emphasizes its steady development [8]. Group 3: Challenges Ahead - The global competition in digital finance and the expansion of stablecoins pose significant challenges to the development of digital RMB, necessitating a focus on both external geopolitical dynamics and internal technical and regulatory frameworks [12][13]. - There are systemic challenges related to technology support, mechanism coordination, and governance that hinder the large-scale implementation of digital RMB [16][17]. Group 4: Recommendations for Improvement - It is recommended to elevate the strategic positioning of digital RMB, enhance regulatory frameworks, and strengthen international dialogue on standards [19][20]. - Expanding application scenarios and optimizing the operational ecosystem for digital RMB are essential for its successful integration into the financial system [22][23].