Core Viewpoint - The rapid development of the digital economy has led to the vigorous promotion of the digital RMB as China's legal digital currency, with its presence increasingly felt across various sectors including online shopping, public transport, and government services [1]. Group 1: Digital RMB Application Progress - Recent reports indicate that cities like Shanghai and Shenzhen are innovating in the application scenarios of digital RMB, moving into a "scene deepening" phase, focusing on areas such as cross-border payments and government services [2]. - Shenzhen has opened nearly 30 million digital RMB wallets, with over 2 million merchants supporting digital RMB payments, and aims to expand its application in cross-border consumption and payment [4]. - Shanghai has initiated a pilot program allowing the use of digital RMB hard wallets for quick access in the magnetic levitation train system, enhancing payment options for both domestic and international travelers [6][7]. Group 2: Government Initiatives and Support - Various local governments, including those in Shanghai, Zhejiang, and Shandong, have actively promoted the expansion of digital RMB application scenarios and technological innovation [9]. - The People's Bank of China and local governments have issued plans to support the participation of banks in cross-border digital currency projects and to enhance the convenience of cross-border financial services [9]. Group 3: Challenges and Future Outlook - Despite the progress, challenges remain in cultivating user habits and ensuring cross-border interoperability for digital RMB [10]. - Analysts suggest that combining the authority of legal currency with the flexibility of application scenarios is essential to unlock the full potential of digital RMB [10].

Core Viewpoint - The article discusses the significant financial opening measures announced by the People's Bank of China at the 2025 Lujiazui Forum, emphasizing the importance of financial cooperation and high-quality development in the context of global economic changes [1][2]. Summary by Sections Financial Opening Measures - The People's Bank of China announced eight major financial opening measures, including the establishment of a trading report database for interbank markets to analyze transaction data across various financial sub-markets [2]. - A digital RMB international operation center will be set up to promote the internationalization of digital RMB and support financial market business development [2]. - A personal credit institution will be established to provide diversified credit products for financial institutions, enhancing the social credit system [3]. Offshore Trade and Financing - A pilot program for comprehensive reform of offshore trade financial services will be launched in the Shanghai Lingang New Area to support the development of offshore trade [4]. - The development of offshore bonds will follow international standards to broaden financing channels for enterprises involved in the Belt and Road Initiative [4]. - The free trade account functions will be optimized to facilitate efficient capital flow between quality enterprises and foreign funds, enhancing the liberalization of cross-border trade and investment [4]. Structural Monetary Policy Innovations - Shanghai will implement innovative structural monetary policy tools, including pilot programs for blockchain credit refinancing and cross-border trade refinancing to support financing for import and export enterprises [5]. - The carbon reduction support tool will be expanded to include certain transitional financial sectors and local specialty industries [5]. Currency Positioning - The RMB has become the second-largest trade financing currency globally and the third-largest payment currency, with significant weight in the IMF's Special Drawing Rights (SDR) basket [6]. - The article highlights the responsibilities of sovereign currency countries to maintain fiscal discipline and financial regulation while promoting structural economic reforms [7].

伴随着数字经济的蓬勃发展，数字人民币作为我国法定数字货币的试点推广工作也如火如荼地展开。无论 是线上购物平台，还是线下消费场所；无论是公共交通出行，还是政务服务办理，几乎都能寻觅到数字人 民币的"踪迹"。 "上海发布"微信公众号日前信息显示，6月14日起，上海地铁联合中国银联、交通银行、维萨（Visa）、万事 达（MasterCard）、美国运通（American Express）和中国人民银行数字货币运营机构等单位，在上海磁浮线 首度试点银行卡及数字人民币硬钱包刷卡过闸功能，未来将根据试点情况考虑逐步推广至全线网。 近日，包括上海、深圳等多地在内陆续传来有关数字人民币应用场景创新的进展。券商中国记者观察到，与早 期试点发展的阶段相比，近一年来，多个省市围绕数字人民币展开的相关工作部署逐渐细化、深入。 有业内人士分析指出，当前，数字人民币试点工作已然迈入"场景深耕"阶段，未来，数字人民币也会更加聚焦 跨境支付、产业互联网、政务民生等重点领域，持续深化创新应用。 深圳：累计开立数字人民币钱包近3000万个 根据"中国人民银行深圳市分行"微信公众号6月16日消息，目前，深圳已累计开立数字人民币钱包近3000万 个 ...

2、金融监管总局局长李云泽在2025陆家嘴论坛上表示，正在大力推进金融资产投资公司股权投资、科 技企业并购贷款等相关试点，不断探索科技金融发展的新路径。 金融监管总局将和上海市政府联合发 布支持上海国际金融中心建设的行动方案。 智通财经6月18日午间新闻精选 1、2025年陆家嘴论坛开幕式上，央行行长潘功胜宣布将在上海设立数字人民币国际运营中心。推进数 字人民币的国际化运营与金融市场业务发展，服务数字金融创新。 4、国家外汇管理局局长朱鹤新在2025陆家嘴论坛上表示，近期将新投放一批合格境内机构投资者也就 是QDII的投资额度，有序满足境内主体境外投资的合理需求。 5、截至午间收盘，沪指跌0.20%，深证成指跌0.15%，创业板指跌0.36%。恒生指数跌1.17%，恒生科技 指数跌1.58%。 3、证监会主席吴清在2025陆家嘴论坛上表示，将更好发挥科创板"试验田"作用，加力推出进一步深化 改革的"1+6"政策措施，统筹推进投融资综合改革和投资者权益保护，加快构建更有利于支持全面创新 的资本市场生态。吴清指出，政策措施包括设置科创板科创成长层、重启未盈利企业适用科创板第五套 上市标准等。 ...

值得一提的是，方案明确两地要开创新的合作领域，譬如在跨境清算上的合作，在黄金产品和交易上 的互联互通，在数字人民币跨境支付上的新的应用的场景，以及上海的金融机构通过香港拓展再保险 业务等。 二是共推业态创新发展，强化科技金融、绿色金融、数字金融等领域的协同联动，加强对重大战略重 点领域薄弱环节的金融支持，进一步增强金融服务实体经济的能力。 根据行动方案，两地将合作推动人工智能、区块链技术更广泛地应用在资产管理保险以及结算的场 景。同时也致力通过金融政策来支持创科企业的发展。比如说，鼓励保险机构把两地新药械纳入保障 的范围，促进生物医药产业的发展。 据上观新闻，陆家嘴论坛开幕之际，在同一个场地沪港两地今天共同举行发布会，签署《沪港国际金 融中心协同发展行动方案》，进一步明确了沪港合作的具体方向，包括金融市场的互联互通、跨境金 融服务创新、绿色金融发展、科技金融合作等，为两地多层次多领域的金融合作注入新的更丰富的内 容。 面临多种风险挑战，持续深化沪港金融协作，既是落实金融强国要求的战略之举，也是进一步提升两 个金融中心发展韧性的长远之策。 《行动方案》聚焦推进沪港两地基础设施互联互通、共建金融产品服务体系、上海 ...

八是会同证监会研究推进人民币外汇期货交易。 推动完善外汇市场产品序列，便利金融机构和外贸企 业更好管理汇率风险。 二是设立数字人民币国际运营中心。 推进数字人民币的国际化运营与金融市场业务发展，服务数字金 融创新。 三是设立个人征信机构。 为金融机构提供多元化、差异化的个人征信产品，进一步健全社会征信体 系。 四是在上海临港新片区开展离岸贸易金融服务综合改革试点。 创新业务规则，支持上海发展离岸贸 易。 2025陆家嘴论坛今天开幕 央行宣布八项重磅金融开放举措 五是发展自贸离岸债。 遵循"两头在外"的原则和国际通行的规则标准，拓宽"走出去"企业及"一带一 路"共建国家和地区优质企业的融资渠道。 2025年陆家嘴论坛开幕式上， 中国人民银行行长潘功胜宣布八项重磅金融开放举措 。 六是优化升级自由贸易账户功能。 实现优质企业与境外资金高效融通，提升跨境贸易投资自由化便利 化水平，助力上海高水平对外开放。 一是设立银行间市场交易报告库。 高频汇集并系统分析银行间债券、货币、衍生品、黄金、票据等各 金融子市场交易数据，服务金融机构、宏观调控和金融市场监管。 七是在上海"先行先试"结构性货币政策工具创新。 包括开展航贸 ...

Core Viewpoint - The People's Bank of China announced eight significant financial policies aimed at enhancing the financial market infrastructure, promoting digital currency, and improving credit systems, which are expected to facilitate international trade and investment [1][2]. Group 1: Financial Market Infrastructure - Establishment of an interbank market trading report database to systematically analyze trading data across various financial sub-markets, aiding financial institutions and regulatory bodies [1] - Launch of a digital RMB international operation center to promote the internationalization of digital currency and support financial market development [1] Group 2: Credit and Trade Innovations - Creation of a personal credit institution to provide diversified credit products for financial institutions, enhancing the social credit system [1] - Implementation of comprehensive reform pilot for offshore trade finance services in the Shanghai Lingang New Area to support offshore trade development [1] Group 3: Financing and Investment Channels - Development of offshore bonds following international standards to broaden financing channels for enterprises involved in the Belt and Road Initiative [1] - Optimization of free trade account functions to facilitate efficient capital flow between quality enterprises and foreign funds, enhancing cross-border trade and investment [1] Group 4: Monetary Policy Innovations - Introduction of structural monetary policy tools in Shanghai, including pilot projects for blockchain credit refinancing and cross-border trade refinancing [1] - Collaboration with the China Securities Regulatory Commission to promote RMB foreign exchange futures trading, improving the product offerings in the foreign exchange market [2]

Group 1 - The People's Bank of China announced eight significant financial policies at the 2025 Lujiazui Forum [1] - Establishment of an interbank market trading report database to analyze trading data across various financial sub-markets [1] - Creation of a digital RMB international operation center to promote the internationalization of digital RMB and financial market business development [1] Group 2 - Establishment of a personal credit agency to provide diversified credit products for financial institutions and enhance the social credit system [1] - Launch of a comprehensive reform pilot for offshore trade finance services in the Shanghai Lingang New Area to support offshore trade development [1] - Development of offshore bonds following international standards to broaden financing channels for enterprises involved in the Belt and Road Initiative [1] Group 3 - Optimization and upgrading of free trade account functions to enhance efficient capital flow between quality enterprises and foreign funds [1] - Innovation in structural monetary policy tools in Shanghai, including pilot programs for blockchain letters of credit refinancing and cross-border trade refinancing [1] - Collaboration with the China Securities Regulatory Commission to promote RMB foreign exchange futures trading to improve the foreign exchange market product series [2]

Group 1 - The National Financial Regulatory Administration's Foshan branch announced the closure of two bank branches: China Construction Bank Foshan Dazhong Branch and Ping An Bank Foshan Danzhao Community Branch [1][3] - The China Construction Bank Foshan Dazhong Branch has a history of 35 years, having opened in 1990, while the Ping An Bank Foshan Danzhao Community Branch opened in 2020 [3] - In 2025, Foshan saw a total of 8 commercial bank branches exit the market, including branches from major state-owned banks like Agricultural Bank of China and Industrial and Commercial Bank of China [3] Group 2 - Nationwide, in 2024, 2,483 bank branches were approved for closure, compared to 2,649 in 2023, while 1,979 new branches were established, up from 1,655 in 2023 [4] - The trend shows a significant characteristic where the number of closures exceeds the number of new establishments, likely due to the impact of digital finance on traditional banking [4] - Over 90% of banking transactions in mainland China were conducted without visiting physical branches in 2023, indicating a shift in consumer behavior towards digital services [4]

Core Viewpoint - Longhua District is implementing innovative financial products to support small and micro enterprises, focusing on those in the initial and high-growth stages without collateral, with plans to expand its financial services significantly in 2024 [2][4]. Group 1: Financial Products and Services - The "Park Loan" initiative has already benefited 33 small and micro enterprises with a total credit amount of 94 million yuan, and there are plans to expand to 18 more parks with a total credit limit of 1 billion yuan [2][4]. - The "Digital Cloud Loan" series includes various products such as "Park Loan," "Government Subsidy Loan," "Industry Chain Loan," "Capital Loan," and "Talent Loan," aimed at addressing the financing needs of small and micro enterprises [3][4]. - The "Government Subsidy Loan" connects government subsidy data with financial institutions to enhance credit for small and micro enterprises, allowing them to access higher credit loans compared to those in other districts [8][9]. Group 2: Financial Ecosystem and Infrastructure - Longhua District has established a financial service ecosystem that includes 355 financial institutions, with 151 bank branches, 87 insurance agencies, and 28 securities offices, enhancing the overall financial capacity in the region [7]. - The district has launched 21 "Financial Stations" and 4 "First Loan Windows" to facilitate access to financial services for enterprises, serving over 13,209 businesses [5][6]. - The introduction of the "Longshu Loan," a public financial data product, has resulted in 234 loans totaling 434 million yuan, effectively alleviating financing pressures for technology-oriented small and micro enterprises [5]. Group 3: Innovation and Development - Longhua District has been recognized for its strong industrial foundation, ranking among the top ten industrial districts in the country in 2024, with an industrial output value of 656.7 billion yuan and 39 listed companies [2]. - The district has introduced various financial innovations, including the first comprehensive insurance product for pilot projects, which provides extensive coverage for enterprises throughout their project lifecycle [5]. - The establishment of the Shenzhen Intellectual Property Financial Association marks a significant step in enhancing financial services related to intellectual property, contributing to the overall development of the financial ecosystem in the Greater Bay Area [7].