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数字人民币真的要来了?9月份开始,移动支付市场或要“大变天”
Sou Hu Cai Jing· 2025-09-18 02:02
Core Insights - The article discusses the upcoming comprehensive promotion of the digital RMB, highlighting its unique features and potential impact on the payment landscape in China [1][15]. Group 1: Digital RMB Overview - Digital RMB is a legal digital currency issued by the People's Bank of China, representing a digital form of the RMB with value characteristics and legal tender status [1][2]. - Unlike third-party payment tools like Alipay and WeChat Pay, digital RMB has a "loose coupling" feature, allowing users to have a digital wallet without a bank account [1][2]. Group 2: Payment Experience Transformation - Digital RMB offers extreme convenience with its dual offline payment capability, allowing transactions without network or power, particularly useful in remote areas [3]. - It incorporates a multi-layered security system, significantly reducing the risk of personal information leakage by not requiring bank account binding [4]. - The introduction of hard wallet cards and wearable devices aims to include populations with limited smartphone usage, enhancing accessibility to digital financial services [5]. Group 3: Market Dynamics - The market share of third-party payment platforms may face adjustments as digital RMB gains traction, with a reported 18.3% share in daily small payments in pilot cities [8]. - Digital RMB is expected to simplify cross-border payment processes, with trials already underway, potentially expanding to over 20 countries by the end of 2025 [9]. Group 4: Consumer Guidance - Users are encouraged to familiarize themselves with the digital RMB app, which is designed to be user-friendly and offers various payment methods [10]. - Promotions and discounts associated with digital RMB usage can lead to significant savings, with an average of 3% reduction in consumer costs [11]. - A strategic approach to payment tools is recommended, using digital RMB for small transactions and traditional payments for larger purchases [12]. Group 5: Future Outlook - The widespread adoption of digital RMB is projected to inject new momentum into China's digital economy, potentially adding over 2 trillion yuan in value and creating more than 2 million jobs by 2030 [15].
佳兆业资本推进RWA代币化发展
Bei Jing Shang Bao· 2025-09-17 11:17
北京商报讯 (记者 岳品瑜 实习生 岳雯艳)9月17日,佳兆业资本投资集团有限公司发布公告,本公司 董事会宣布,本集团正式启动战略转型,依托股东资源、自身产业与区域优势,以及与合作伙伴在 Web3.0领域的技术积累,以香港为起点,探索在合规监管环境下的数字金融创新。基于上述资源与技 术优势,本集团已于2025年9月17日与获香港证监会发牌的虚拟资产交易平台达成合作,共同推进香港 合规框架下的现实世界资产(RWA)代币化发展。未来,本集团将持续推动在金融科技、数字金融及 Web3.0领域的创新探索与资源整合,创造符合新时代发展趋势的长期价值。 ...
佳兆业资本:开展现实世界资产代币化业务布局
Ge Long Hui A P P· 2025-09-17 10:05
格隆汇9月17日|佳兆业资本(0936.HK)发布公告,公司董事会宣布,本集团已于2025年9月17日与获香 港证监会发牌的虚拟资产交易平台达成合作,共同推进香港合规框架下的现实世界资产(RWA)代币化发 展。未来,本集团将持续推动在金融科技、数字金融及Web3.0领域的创新探索与资源整合。 ...
佳兆业资本与获香港证监会发牌的虚拟资产交易平台达成合作 布局现实世界资产代币化业务
Zhi Tong Cai Jing· 2025-09-17 09:48
未来,集团将持续推动在金融科技、数字金融及Web3.0领域的创新探索与资源整合,创造符合新时代 发展趋势的长期价值。 基于上述资源与技术优势,集团已于2025年9月17日与获香港证监会发牌的虚拟资产交易平台达成合 作,共同推进香港合规框架下的现实世界资产(RWA)代币化发展。 佳兆业资本(00936)发布公告,集团正式启动战略转型,依托股东资源、自身产业与区域优势,以及与 合作伙伴在Web3.0领域的技术积累,以中国香港为起点,探索在合规监管环境下的数字金融创新。 ...
佳兆业资本(00936.HK):战略转型及开展现实世界资产(RWA)代币化业务布局
Ge Long Hui· 2025-09-17 09:43
Core Viewpoint - Kaisa Capital (00936.HK) has officially initiated a strategic transformation, leveraging shareholder resources, its own industry and regional advantages, and technological accumulation in the Web3.0 field to explore digital financial innovation under a compliant regulatory environment starting from Hong Kong [1] Group 1 - The company has partnered with a licensed virtual asset trading platform approved by the Hong Kong Securities and Futures Commission to promote the development of Real World Asset (RWA) tokenization within Hong Kong's compliance framework [1] - Kaisa Capital aims to continuously drive innovation and resource integration in the fields of fintech, digital finance, and Web3.0, creating long-term value that aligns with the trends of the new era [1]
佳兆业资本(00936) - 自愿性公告 - 关於战略转型及开展现实世界资產(RWA)代币化业务佈局
2025-09-17 09:33
香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責, 對其準確性或完整性亦不發表任何聲明,並明確表示,概不對因本公告全部或任 何部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 KAISA CAPITAL INVESTMENT HOLDINGS LIMITED 佳兆業資本投資集團有限公司 ( 於開曼群島註冊成立之有限公司 ) (股份代號:936) 自願性公告 關於戰略轉型及開展現實世界資產(RWA)代幣化業務佈局 本公告由佳兆業資本投資集團有限公司(「本公司」,連同其附屬公司統稱「本集團」) 自願作出,以知會其股東及潛在投資者有關本集團之最新業務發展。 本公司董事會(「董事會」)欣然宣佈,本集團正式啟動戰略轉型,依託股東資源、 自身產業與區域優勢,以及與合作夥伴在Web3.0領域的技術積累,以香港為起點, 探索在合規監管環境下的數字金融創新。 基於上述資源與技術優勢,本集團已於2025年9月17日與獲香港證監會發牌的虛擬 資產交易平台達成合作,共同推進香港合規框架下的現實世界資產(RWA)代幣化 發展。 於本公告日期,董事會成員包括執行董事郭英成先生、于蕙銘先生及李健萍女士; ...
稳定币的技术原理与信任逻辑 | 金融与科技
清华金融评论· 2025-09-17 09:23
Core Viewpoint - The article emphasizes the growing importance of stablecoins in the digital finance landscape, highlighting their advantages over traditional cryptocurrencies due to their price stability and regulatory compliance, which makes them increasingly integrated into the mainstream financial system [3][4][5]. Summary by Sections Current Status and Characteristics of Stablecoins - Stablecoins are digital assets based on blockchain technology that maintain price stability through a "anchoring mechanism" to fiat currencies. They have evolved from being used primarily in cryptocurrency exchanges to being integral in decentralized finance (DeFi) activities such as lending and staking, as well as in cross-border payments and trade settlements due to their fast settlement speeds and low transaction costs [5][6]. Development History of Stablecoins - The development of stablecoins has transitioned from exploration to regulation. The launch of USDT in 2014 marked the introduction of fiat-collateralized stablecoins, which quickly gained traction. The introduction of DAI in 2017 pioneered decentralized stablecoins. The demand for stablecoins surged during the DeFi boom in 2020, but the collapse of algorithmic stablecoin UST in 2022 raised regulatory concerns. Recent regulations, such as the U.S. GENIUS Act and Hong Kong's Stablecoin Regulation, have laid a foundation for compliant development [6][7]. Market Characteristics - The stablecoin market is characterized by concentration, with the total market cap exceeding $280 billion as of August 2025, where USDT holds about 60% market share. The majority of stablecoin transactions occur on major public blockchains like Ethereum, Tron, and Solana, with Ethereum alone accounting for over $137 billion in stablecoin market cap [7]. Technical Principles of Stablecoins - The stability and security of stablecoins rely on blockchain and smart contract technologies. They can be categorized into three types based on their anchoring mechanisms: fiat-collateralized, crypto-collateralized, and algorithmic stablecoins. Each type has distinct technical implementations, with fiat-collateralized stablecoins like USDT and USDC relying on off-chain reserves, while crypto-collateralized stablecoins like DAI use over-collateralization and automated liquidation mechanisms [10][11]. Trust Logic of Stablecoins - The core competitive advantage of stablecoins lies in trust, which is built on reliable anchoring and reserve mechanisms, verifiable technology, and regulatory frameworks. The trust in fiat-collateralized stablecoins is derived from the transparency and liquidity of their reserves, while crypto-collateralized stablecoins depend on over-collateralization and automated liquidation for stability. Algorithmic stablecoins face structural challenges due to their reliance on supply-demand algorithms without actual asset backing [15][16]. Challenges and Future Outlook - Stablecoins face challenges in regulatory technology, price stability, and governance. The lack of a global regulatory framework for stablecoins and blockchain transactions complicates compliance. Additionally, past incidents of reserve opacity have led to market instability. However, the future of stablecoins looks promising, with potential growth in cross-border payments and tokenization of real-world assets, supported by evolving regulatory environments and technological innovations [17][18][19].
嘉实基金:践行金融“五篇大文章”,共绘高质量发展新图景
Xin Lang Ji Jin· 2025-09-17 08:04
2025年9月,由北京证监局指导,北京证券业协会携手北京公募基金管理人、基金销售机构、基金评价 机构等共同启动"北京公募基金高质量发展系列活动"。活动以"新时代·新基金·新价值"为主题,聚焦投 资者教育保护、服务实体经济能力建设与行业结构转型,不仅系统呈现了首都公募基金行业的发展成 果,更在深化改革的攻坚期,为推动行业提质增效注入新动力。 作为中国资本市场的重要参与者,北京地区的公募基金行业始终走在发展前列。一批具备国际视野与专 业实力的金融机构在此集聚,持续服务资本市场的高质量发展。 当前,中国金融体系正经历从规模扩张转向效益提升和结构优化的深刻变革。2025年5月,证监会发布 《推动公募基金高质量发展行动方案》,明确提出必须以投资者利益为核心,全面提升投研能力与服务 国家战略的大局意识。在这一背景下,做好科技金融、绿色金融、普惠金融、养老金融和数字金融 这"五篇大文章",不仅成为行业共识,更是实现金融强国战略的核心路径。 作为中国最早成立的十家基金公司之一,嘉实基金始终坚持深度研究驱动的基本面投资,注重投研体系 建设与核心投资能力打造,在"五篇大文章"所涉关键领域全面布局,积极发挥应有的积极作用。 专题: ...
西部利得基金副总经理、投资总监王宇:仰望星空,脚踏实地
Core Viewpoint - The Chinese financial industry in 2018 is characterized by a focus on regulatory strengthening, risk prevention, and high-quality development, with the implementation of the "Asset Management New Regulations" driving a shift from scale-oriented growth to quality-oriented growth [1] Group 1: Development of WISE Platform - The WISE platform was developed from scratch by Western Li De Fund, marking a significant shift in the public fund industry towards self-built investment research systems [1] - Over six years, the WISE platform has evolved from focusing on process standardization to data visualization and analysis, and now towards intelligent capabilities [1] - WISE has become a distinctive feature of Western Li De Fund, aiding investment decision-making and gaining recognition from peers and regulators [1] Group 2: Cultural Foundations - The establishment of a "transparent" investment research culture is a cornerstone of Western Li De Fund's development, emphasizing strategy transparency, decision transparency, and evaluation transparency [5][6] - The transparent culture has attracted talented individuals who are passionate about investment research, fostering a cohesive team environment [7] - The integration of investment and research teams is facilitated by a matrix structure, enhancing collaboration and resource sharing [7] Group 3: Challenges and Achievements - The development of the WISE system faced significant external financial pressures and internal personnel challenges, requiring deep involvement from business staff [9][10] - By 2021, the framework of the WISE system was largely established, improving cross-departmental collaboration and creating a systematic approach to investment research [11] - The WISE system is designed to support investment decisions based on the investment manager's knowledge and experience, while also providing a robust framework for decision-making [11] Group 4: Future Aspirations - The goal of the WISE system is to transform effective investment philosophies into replicable algorithms, ensuring long-term value creation for investors [12][13] - The vision includes building a "century-old store" in the asset management industry, with the WISE system serving as a foundational tool for achieving this ambition [13]
工商银行甘肃省分行连续8年荣获省长金融奖
Core Points - The Gansu Provincial Government awarded the Provincial Governor's Financial Award for 2023-2024 to units that made significant contributions to the economic and social development of Gansu Province, with the Industrial and Commercial Bank of China (ICBC) Gansu Branch receiving the award for the eighth consecutive year [1] - ICBC Gansu Branch has actively integrated into Gansu's "Four Strong" action development layout, contributing positively to the province's economic and social development [1] Financial Performance - In 2024, ICBC Gansu Branch is implementing the "Five Major Articles" strategy, focusing on technological finance to support the transformation of traditional industries and the development of innovative industries [1] - The bank reported net increases in specialized, refined, and new technology loans of 1.39 billion, 2.53 billion, and 5.76 billion respectively compared to the beginning of the year [1] - Green finance initiatives led to a net increase of 3.63 billion in green finance loans [1] Customer Service and Outreach - The bank has expanded its outreach in inclusive finance, adding 2,818 new inclusive customers year-on-year [1] - In the area of pension finance, the bank strengthened its mechanism, with pension custody scale increasing by 2.73 billion compared to the beginning of the year, maintaining the leading position in the Gansu market for legal custody and account management [1] Digital Transformation - ICBC Gansu Branch is advancing its digital finance initiatives by enhancing data empowerment and integrating internal and external data systems, as well as building a network security protection system [1]