热搜第一，马钞，火了！

Core Viewpoint - The recent launch of the Year of the Horse commemorative banknotes and coins has led to a significant surge in demand, resulting in high premiums in the secondary market [2][15]. Group 1: Market Demand and Appointment Issues - The appointment for the Year of the Horse commemorative banknotes and coins was extremely popular, causing severe delays and system crashes across various banks' appointment channels [2][7]. - Many users reported difficulties in securing appointments, with some stating that they were unable to complete the process due to system errors or high demand [12][14]. Group 2: Secondary Market Pricing - The secondary market has seen varying degrees of price inflation, with sellers offering a complete set of 20 commemorative banknotes for prices as high as 2000 yuan [16]. - Prices for individual banknotes vary significantly, with standard notes priced between 700 yuan and 2000 yuan, while special numbers like "Dragon Pearl" are being sold for 520 yuan each [16][20]. - Some consumers expressed concerns about the inflated prices, suggesting that the market is experiencing a speculative bubble [18]. Group 3: Investment Perspective - Industry experts note that while the commemorative banknotes may have long-term appreciation potential due to cultural significance, the large issuance volume of 100 million units dilutes their scarcity [20]. - The previous year's snake banknotes experienced a price drop, indicating the need for consumers to remain cautious and avoid chasing high prices in the current market [20].