Core Viewpoint - The financial industry is evolving into a technology-driven ecosystem, with increasing demand for digital transformation and product upgrades in financial services, particularly through the integration of big data, cloud computing, blockchain, and AI. This shift has positively impacted companies like Yuxin Technology, which has seen significant stock price appreciation and maintains a strong market position in the financial technology sector [1][2]. Group 1: Company Performance - Yuxin Technology's stock price has increased nearly 70% since the beginning of 2023, reflecting market confidence in its stable market position and growth prospects [1]. - The company has been ranked second in the domestic banking financial technology solutions market for three consecutive years from 2022 to 2024, with a projected market share of approximately 2.1% in 2024 [1]. - Yuxin Technology's revenue figures for the years 2022 to 2025 (first nine months) are as follows: 4.281 billion, 5.199 billion, 3.954 billion, and 2.348 billion RMB, indicating fluctuations in revenue [3][7]. Group 2: Revenue Breakdown - The main revenue source for Yuxin Technology has been its banking technology solutions, contributing 3.755 billion, 4.664 billion, 3.461 billion, and 1.896 billion RMB over the same period, accounting for nearly 90% of total revenue [3][4]. - Revenue from non-bank technology solutions and operational services has been significantly lower, with figures of 0.362 billion, 0.378 billion, 0.371 billion, and 0.186 billion RMB for non-bank solutions, and 0.165 billion, 0.157 billion, 0.122 billion, and 0.102 billion RMB for operational services [4]. Group 3: Profitability and Growth Strategy - Yuxin Technology's gross profit has shown improvement, with figures of 1.119 billion, 1.335 billion, 1.140 billion, and 0.764 billion RMB, and corresponding gross profit margins of 26.1%, 25.7%, 28.8%, and 32.5% [5]. - The company has focused on high-value projects, which has positively impacted its profitability, particularly in the software segment of banking technology solutions, where gross margins have increased from 27.5% in 2022 to 35% in 2025 [4][5]. Group 4: Future Outlook - Yuxin Technology plans to enhance its presence in overseas markets, with revenue from international operations showing a doubling in the first nine months of the current year compared to the previous year [6]. - The company aims to invest in emerging markets such as Southeast Asia, the Middle East, and Africa, while maintaining an annual R&D investment of about 10% of its revenue to advance technologies like AI, big data, cloud computing, and blockchain [8]. - The ability of Yuxin Technology to convert its technological advancements into sustainable revenue growth remains a critical factor for its future success in the market [8].

随着金融行业从服务业逐步演变为技术驱动的"社会神经系统"，金融业务充分渗透到社会全方位。在此 背景下，全球金融机构、金融客户、政府机构及监管机构对金融服务生态中数字化转型与产品升级的需 求不断增加。尤其是伴随大数据、云计算、区块链、AI等技术的融合突破，金融科技行业更是迈入了 场景化、智能化、生态化为特征的新发展阶段，在全球金融服务中扮演起越来越关键的角色。 行业乘上"东风"，扎根金融科技行业二十余年的宇信科技（300674）（300674.SZ）也尝到了甜头。以 二级市场的表现来看，2023年以来宇信科技的股价逐年拾级而上，至今累计涨幅逼近七成。走势呈现慢 牛格局，背后逻辑大概是市场认可宇信科技稳固的市场地位，同时也在一定程度上看好公司后续的成长 前景。根据灼识咨询报告，2022-2024年宇信科技连续三年在国内银行类金融科技解决方案市场中排名 第二，2024年的市占率约为2.1%。 或是为了进一步抓住行业机遇并扩大自身的影响力，日前宇信科技再度向港交所递交了上市申请。就财 务表现而言，宇信科技目前盈利状况正处于恢复性增长趋势中，但公司的营收规模似乎仍未企稳。对于 志在完成"A+H"上市的宇信科技来说，未来 ...

Core Viewpoint - The People's Bank of China has introduced an action plan to enhance the management and service system of the digital renminbi, with a new framework set to launch on January 1, 2026 [1] Group 1: Digital Renminbi Infrastructure - A digital renminbi international operation center will be established in Shanghai, promoting the use of blockchain technology for digital renminbi applications [1] - The action plan includes the development of a blockchain service platform and digital asset platform, enabling on-chain settlement tools and cross-chain transfer capabilities [1] - The multi-central bank digital currency bridge aims to address jurisdictional issues related to business and currency sovereignty, ensuring equal rights and responsibilities among participants [1] Group 2: Future Development and Capabilities - Future cross-border use of digital renminbi will focus on technological iterations to expand access and reduce service costs, facilitating cross-border trade and investment [2] - The digital renminbi will adopt a mixed currency model, incorporating both account-based and value-based approaches to meet diverse economic needs [2] - The digital renminbi has demonstrated capabilities as a programmable currency, allowing for digital contracts and automated execution [2] Group 3: Current Performance Metrics - As of November 2025, the digital renminbi has processed 3.48 billion transactions, amounting to 16.7 trillion yuan [3] - The digital renminbi app has opened 230 million personal wallets, with 18.84 million unit wallets established [3] - The multi-central bank digital currency bridge has processed 4,047 cross-border payment transactions, totaling approximately 387.2 billion yuan, with digital renminbi accounting for about 95.3% of the transaction volume [3]

12月29日A股三大指数涨跌不一，沪指微涨走出九连阳，创业板指一度跌超1%。截至收盘，沪指涨 0.04%，深成指跌0.49%，创业板指跌0.66%。 盘面上，全市场超3300只个股下跌。从板块来看，机器人概念午后反复活跃，步科股份20cm涨停创历 史新高，五洲新春、等多股涨停。商业航天概念延续强势，神剑股份8连板，金风科技、雷科防务等十 余股涨停。碳纤维概念表现活跃，吉林化纤、和顺科技双双涨停。下跌方面，电池、乳业、电力等板块 跌幅居前。沪深两市成交额2.14万亿，较上一个交易日缩量209亿。 白银等贵金属价格出现巨震 今日(12月29日)继上周五的"史诗级"暴涨后，国际白银价格上演了过山车式的大逆转行情：现货白银开 盘暴力拉升，一度上涨逾5%，站上83美元/盎司；之后又上演跳水，截至发稿，伦敦银现货价格跌幅达 4%，价格在75美元/盎司左右。与此同时，现货钯金日内重挫12%，现报1674.99美元/盎司。对于下跌原 因，有分析认为交易员开始从创纪录的贵金属涨势中获利了结。 值得注意的是国投白银LOF复牌后也出现大幅波动，直线跌停后又快速拉升，截至收盘，二级市场涨幅 达0.75%，溢价率为24.15%。 今年 ...

21世纪经济报道 记者郭聪聪 经过十年研发试点，数字人民币将迈入的2.0阶段，从"数字现金时代"迈入"数字存款货币"时代。 12月29日，中国人民银行党委委员、副行长陆磊公开发文称，为切实提升数字人民币管理质效和服务能 力，在总结十年经验基础上，中国人民银行出台了《关于进一步加强数字人民币管理服务体系和相关金 融基础设施建设的行动方案》（以下简称《行动方案》），该《行动方案》将于2026年1月1日起正式启 动实施。 根据方案部署，新一代数字人民币的计量框架、管理体系、运行机制与生态体系将同步落地。其中主要 亮点包括：数字人民币钱包余额将计付利息；银行类运营机构的数字人民币纳入准备金制度框架管理， 其钱包余额统一计入存款准备金交存基数；参与运营的非银行支付机构则需实行100%的数字人民币保 证金要求等。 从数字现金到数字存款货币 陆磊在文中介绍道，我国数字人民币的研究和开发起步较早。在2014年，中国人民银行就启动理论研究 和封闭测试。2016年，中国人民银行提出了具有数字货币特征的电子支付工具（DC/EP）的法定数字货 币理论框架构想，审慎科学稳健试点探索数字人民币（e-CNY）管理体系和运行机理。 经反复论 ...

SHMET 网讯：党的二十届四中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五 年规划的建议》提出"加快建设金融强国""稳步发展数字人民币"，为今后一个时期数字人民币发展和 完善提供了行动指南。面向经济社会数字化、智能化发展趋势，为深入贯彻习近平总书记关于金融工 作的重要论述，顺应实体经济和金融体系对数字人民币发行、流通、使用的新需求，把握国际货币体 系演进的历史趋势，切实提升数字人民币管理质效和服务能力，在总结十年研发试点经验基础上，中 国人民银行将出台《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动方案》 （以下简称"《行动方案》"），新一代数字人民币计量框架、管理体系、运行机制和生态体系将于 2026年1月1日正式启动实施。 一、坚持与时俱进把握数字人民币定位和发展方向 习近平总书记明确要求，"坚持在市场化法治化轨道上推进金融创新发展。金融的安全靠制度、活力在 市场、秩序靠法治"。随着2008年国际金融危机爆发，数字资产、加密货币和新型支付工具层出不穷。 这既是经济数字化、智能化在金融领域的客观反映，也带来了影子银行、金融脱媒等一系列微观宏观金 融风险挑战。面对新形势，主 ...

Group 1: Company Overview - Shenzhen Xiongtai Technology Co., Ltd. is located in Nanshan District, Shenzhen, Guangdong Province, and was established on April 3, 1995. The company went public on September 28, 2016. Its main business involves providing information security, data management, and industry application solutions using smart cards as carriers [2] - The revenue composition of Xiongtai Technology includes 82.20% from identity recognition and smart government services, 17.75% from smart transportation, and 0.05% from other sources [2] - As of September 30, the number of shareholders is 36,100, a decrease of 25.55% from the previous period, with an average of 3,704 circulating shares per person, an increase of 34.32% [2] Group 2: Financial Performance - For the period from January to September 2025, Xiongtai Technology achieved an operating income of 338 million yuan, representing a year-on-year growth of 5.63%. The net profit attributable to the parent company was 18.38 million yuan, a year-on-year increase of 71.16% [2] - The company has distributed a total of 96.43 million yuan in dividends since its A-share listing, with 12.68 million yuan distributed over the past three years [3] Group 3: Stock Performance - On December 29, Xiongtai Technology's stock price increased by 2.07%, reaching 25.64 yuan per share, with a trading volume of 158 million yuan and a turnover rate of 4.70%. The total market capitalization is 4.785 billion yuan [1] - Year-to-date, the stock price has risen by 52.85%, with a 2.19% increase over the last five trading days, a 5.95% increase over the last 20 days, and a 2.62% decline over the last 60 days [1] - The company has appeared on the trading leaderboard 14 times this year, with the most recent appearance on August 14, where it recorded a net buy of -35.13 million yuan [1]

Core Viewpoint - The People's Bank of China has introduced an action plan to strengthen the management and service system for digital RMB, with a new framework set to launch on January 1, 2026 [2][4]. Group 1: Digital Currency Developments - The digital currency sector has seen significant stock price movements, with companies like Yuyin Co. hitting the daily limit and *ST Tianyu rising over 10% [2][6]. - As of November 2025, digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets opened through the digital RMB app [5]. - The multi-central bank digital currency bridge (mBridge) has handled 4,047 cross-border payment transactions, totaling approximately 387.2 billion yuan, with digital RMB accounting for about 95.3% of the transaction volume [5]. Group 2: Challenges and Opportunities - The Deputy Governor of the People's Bank of China highlighted four key challenges in the development of digital currencies, including the impact of modern digital payment tools on monetary control and the risks associated with financial disintermediation [4]. - The recent policy from eight departments supports international cooperation in digital finance, particularly in cross-border payments using central bank digital currencies with countries like Thailand and Singapore [8]. - Predictions suggest that by 2030, the global cross-border payment market could reach $290 trillion, with the RMB's share estimated at 10%-20% and digital currency penetration at 20%-40%, translating to a market potential of 40.6 trillion to 162.4 trillion yuan [8]. Group 3: Industry Growth - As of December 25, 2025, China has registered 74,600 blockchain-related companies, marking a record high in the past five years, with the South China region accounting for 32.5% of new registrations [8]. - The stock of blockchain-related companies in China has been steadily increasing over the past decade, with a notable acceleration in growth since 2019, totaling 289,400 existing companies as of December 25 [8]. - The development of digital RMB is viewed as a strategic asset that integrates finance, technology, and data, enhancing trade efficiency through blockchain technology [8].

Group 1 - The core viewpoint of the news is that Guangdian Yuntong's stock has shown a positive trend with a year-to-date increase of 11.87%, despite a recent decline over the past 60 days [1] - As of December 29, Guangdian Yuntong's stock price reached 12.82 CNY per share, with a market capitalization of 31.837 billion CNY and a trading volume of 248 million CNY [1] - The company has experienced a net inflow of main funds amounting to 9.3825 million CNY, with significant buying and selling activities recorded [1] Group 2 - Guangdian Yuntong, established on July 8, 1999, and listed on August 13, 2007, is a leading provider of artificial intelligence solutions in China, focusing on operational services, big data solutions, and smart terminal devices [2] - The company's revenue composition includes 48.34% from smart devices, 38.95% from operational services and others, and 12.71% from software development and services [2] - As of December 19, the number of shareholders decreased by 0.94% to 99,800, while the average circulating shares per person increased by 0.95% to 24,877 shares [2] Group 3 - Guangdian Yuntong has distributed a total of 4.886 billion CNY in dividends since its A-share listing, with 1.49 billion CNY distributed over the past three years [3] - As of September 30, 2025, the top ten circulating shareholders include Hong Kong Central Clearing Limited and several ETFs, with notable changes in their holdings [3]

数字货币利好来了！ 据央视新闻报道，从中国人民银行了解到，中国人民银行已经出台《关于进一步加强数字人民币管理服务体系 和相关金融基础设施建设的行动方案》，新一代数字人民币计量框架、管理体系、运行机制和生态体系将于 2026年1月1日正式启动实施。 随后，数字货币概念股纷纷异动拉升。仅用3分钟时间，御银股份便直线拉至涨停，*ST天喻大涨超10%。拉卡 拉、四方精创、赢时胜、中亦科技、新晨科技等纷纷冲高。 数字货币利好 据《金融时报》官微今早消息，12月29日，中国人民银行副行长陆磊发表文章称，随着经济社会对数字货币发 展和运用的现实需求持续提升，全球各国中央银行推动的数字货币面临四大共同的理论和现实挑战。 文章具体指出，一是必须正确认识快速迭代的现代化数字支付工具对中央银行货币调控的挑战，二是必须正确 处理数字现金(Digital Currency)发展与金融"脱媒"风险挑战，三是必须正确处理数字现金作为中央银行负债与 商业银行责任的挑战，四是必须正确处理兼容银行账户的"中心化"管理与区块链(分布式账本，DLT)"去中心 化"特点的挑战。 随后，央视新闻报道称，据中国人民银行，中国人民银行已经出台《关于进一步加 ...