多边央行数字货币桥

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管涛:稳定币在货币体系中将扮演何种角色仍待观察
Sou Hu Cai Jing· 2025-07-24 12:57
7月,美国总统特朗普签署《指导与建立美国稳定币国家创新法案》(简称《天才法案》),正式将稳定 币纳入监管,近期市场对于稳定币的关注热度很高。 稳定币是一种与法定货币或资产挂钩的加密货币,基于区块链、分布式账本技术支持点对点、支付即结 算的交易,从底层重塑了传统支付体系,大幅缩短跨境支付链条,改善跨境支付体验。 不过,稳定币在未来货币体系中将扮演何种角色仍然有待观察。根据国际清算银行的报告,稳定币在单 一性、弹性、完整性三个关键测试中,均未达到国际货币体系支柱的要求,报告称稳定币的未来角色尚 不明朗,充其量只能扮演辅助角色。 值得注意的是,美国通过《天才法案》把稳定币纳入监管,实质是限制了央行发行数字货币,鼓励和规 范私人发行数字货币,中国则选择了央行数字货币发行的渠道,路径选择不同。 中国一直是拥抱新兴支付技术、支付工具的先行者,很早就开始推动央行数字货币。央行数字货币项目 也是基于区块链/分布式账本技术,采取区块链点对点交易模式,简化跨境支付环节,保证交易安全性 和可追溯性。中国实际是以最小摩擦成本实现了新兴支付技术与现有监管规则的对接。 目前,数字人民币已扩展至17个省市的26个试点地区,截至2024年7 ...
14.16万亿元!深圳重磅发布!
中国基金报· 2025-07-22 07:56
Core Insights - As of June 2025, the total balance of various deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year [1] - The balance of various loans in Shenzhen reached 9.85 trillion yuan, with an increase of over 350 billion yuan since the beginning of the year [1] - The balance of loans to the private economy in Shenzhen reached 4.26 trillion yuan, with a new addition of 849.75 billion yuan [1] Financial Innovations - The scale of technology innovation bonds (referred to as "科创债") reached 20.75 billion yuan, with 14 bonds issued by 9 enterprises including major tech firms [3] - The People's Bank of China Shenzhen Branch has facilitated the issuance of technology innovation bonds, providing a model for financial support in the tech sector [3] - In the first half of 2025, 102 enterprises signed agreements for "腾飞贷" totaling 3.6 billion yuan, while "科技初创通" helped 3,761 enterprises secure loans amounting to 4.84 billion yuan [3] Cross-Border Transactions - In the first half of 2025, the number of foreign card transactions via WeChat Pay increased by 1.6 times, with nearly 2 million foreign users binding their cards [5] - Foreign personnel in Shenzhen conducted 85.8754 million non-cash payment transactions totaling 11.81 billion yuan, marking increases of 29% and 35% respectively [5] - The cross-border RMB payment amount reached 27.6328 trillion yuan, a year-on-year increase of 24.3%, with goods trade accounting for 5.5128 trillion yuan of this total [6] Digital Finance Development - The Shenzhen local credit platform launched over 50 credit products, enabling enterprises to secure financing of 574.4 billion yuan [8] - The digital RMB pilot program has seen nearly 30 million digital wallets opened, with pre-paid funds management reaching nearly 3.1 billion yuan [8] - Shenzhen is advancing the application of a multi-central bank digital currency bridge in cross-border transactions, successfully executing the first transaction involving "bulk commodity trading + multi-central bank digital currency bridge" [8]
多点开花拓场景 创新赋能促发展 数字人民币在多领域迎来快速发展
Zhong Guo Chan Ye Jing Ji Xin Xi Wang· 2025-07-08 22:53
Core Insights - The development of digital RMB has accelerated significantly this year, with the recent expansion of the "tap and go" trial in Shanghai's entire metro network, allowing passengers to use various forms of digital RMB wallets for quick access [1][2] - Multiple cities, including Beijing, Guangzhou, and Shanghai, have released development plans for digital RMB trials, enhancing application scenarios and optimizing the ecosystem [1][4] Group 1: Application Expansion - The application scenarios for digital RMB have expanded from retail payments to include government services, public transportation, and financial services, creating a comprehensive and multi-layered application landscape [4] - In the first half of the year, various local governments actively promoted the expansion of digital RMB application scenarios and technological innovation [4][5] - Digital RMB consumption red envelopes have been issued to stimulate consumption and support economic growth [4] Group 2: Cross-Border Payment and Future Prospects - Cross-border payment has emerged as a highlight in the development of digital RMB, with pilot banks participating in the multilateral central bank digital currency bridge project [6] - The digital RMB is expected to become a new channel for global digital trade settlement, reducing cross-border transaction costs and improving settlement efficiency [6][7] - Experts predict that digital RMB will play a larger role in cross-border payments, green finance, and smart economy, contributing to a more efficient and secure digital economic ecosystem [7]
数字人民币在多领域迎来快速发展
Sou Hu Cai Jing· 2025-07-04 06:28
Core Insights - The development of digital RMB has accelerated significantly this year, with the recent expansion of the "tap and go" trial to the entire Shanghai metro network, allowing passengers to use various forms of digital RMB wallets for quick access [1][4] - Multiple cities, including Beijing, Guangzhou, and Shanghai, have released development plans for digital RMB pilot projects, enhancing application scenarios and optimizing the ecosystem [1][6] Group 1: Digital RMB Application Expansion - The "tap and go" feature supports cross-institutional interoperability, enabling passengers to use digital RMB wallets from any operating institution to access the Shanghai metro [4] - The Shanghai metro network spans 896 kilometers with 21 lines and 517 stations, handling over 77% of the city's public transport volume daily [4] - The digital RMB hard wallet is gaining popularity among foreign visitors and demographics such as the elderly and students due to its low entry barrier and wide coverage [5] Group 2: Diverse Application Scenarios - Digital RMB applications have expanded from retail payments to include government services, public transport, and financial services, creating a comprehensive application landscape [6] - Various regions have actively promoted the expansion of digital RMB application scenarios, technological innovation, and ecosystem optimization [6] Group 3: Consumer Promotion and Financial Services - In the consumer sector, local governments and institutions have continued to issue digital RMB consumption red envelopes, integrating welfare policies with technological innovation to stimulate consumption and support economic growth [7] - Beijing Bank has initiated the first digital RMB technology enterprise merger loan pilot, enhancing fund circulation efficiency and reducing financing costs for enterprises [7] Group 4: Cross-Border Payment and Future Prospects - Cross-border payment has emerged as a highlight in the development of digital RMB, with pilot banks actively participating in the multilateral central bank digital currency bridge project [10][11] - The multilateral central bank digital currency bridge project is expected to become a new channel for global digital trade settlement, reducing transaction costs and improving settlement efficiency [11][12] - Experts predict that digital RMB will play a larger role in cross-border payments, green finance, and smart economy sectors, contributing to a more efficient and secure digital economic ecosystem [12]
今年以来数字人民币生态持续优化
Zheng Quan Ri Bao· 2025-07-01 16:49
Core Insights - The digital RMB "tap and go" trial has expanded to cover the entire Shanghai rail transit network, enhancing payment convenience and accessibility [1][2] - Various cities, including Beijing, Guangzhou, and Shanghai, have launched digital RMB pilot programs, focusing on expanding application scenarios and optimizing the digital RMB ecosystem [1][4] Group 1: Development and Application - The digital RMB "tap and go" feature supports cross-institutional interoperability, allowing passengers to use any digital RMB wallet to access Shanghai's metro system [2] - The digital RMB has been integrated into public transportation across multiple cities, including Qingdao, Suzhou, Shenzhen, Hainan, and Beijing, covering various modes of transport [2] - In the consumer promotion sector, local governments have issued digital RMB consumption red envelopes to stimulate spending, such as a million yuan initiative in Shenzhen [2] Group 2: Cross-Border Payment and Innovation - Cross-border payment has emerged as a highlight in the development of digital RMB, with pilot banks actively participating in the multilateral central bank digital currency bridge project [2][5] - The digital RMB is addressing payment pain points, such as offline payments in areas without internet access, and is continuously innovating its functionalities [3][5] - The digital RMB's features, such as traceability for large transactions and conditional unlocking of prepaid funds, are enhancing compliance and security in payments [3] Group 3: Future Trends and Policy Support - The digital RMB's development is driven by a dual approach of expanding application scenarios and deepening technology, with local pilot programs serving as innovative testing grounds [5] - Future trends for digital RMB include becoming a new channel for global digital trade settlement through the multilateral central bank digital currency bridge, integrating with microfinance services, and enabling automated execution scenarios via smart contracts [5] - Policy support from various levels of government is crucial for the ongoing expansion and refinement of digital RMB application scenarios, including public services and enterprise solutions [4]
深圳:支持境外机构通过合格境外有限合伙人(QFLP)方式,投资深圳科技型企业
news flash· 2025-06-04 01:17
Core Viewpoint - The Shenzhen Municipal Bureau of Commerce and the Municipal Development and Reform Commission have jointly issued a plan to promote high-quality development of service trade and digital trade, emphasizing financial support for these sectors [1] Financial Support for Trade Development - The plan aims to expand the application of RMB (Renminbi) settlement, enhancing the convenience and efficiency of cross-border RMB usage [1] - Banks are encouraged to optimize document review processes and strengthen data sharing while enriching RMB payment scenarios [1] - The initiative seeks to improve the experience of enterprises using RMB for investment, project construction, procurement, and revenue recovery [1] Digital Currency and Risk Management - The plan promotes participation in multilateral central bank digital currency bridge projects and encourages banks to expand services for enterprises seeking foreign exchange risk hedging [1] - There is a focus on expanding the application of foreign exchange risk hedging products, including swaps and linked products [1] Export Credit and Insurance Services - The plan aims to optimize export credit and export credit insurance services, particularly in the service trade sector, to enhance business coverage and support [1] - It encourages enterprises to improve their international operational capabilities [1] Financial Innovation and Investment Facilitation - The initiative promotes cross-border financial innovation based on Free Trade Accounts (FT Accounts) and aims to expand account functions and pilot bank ranges [1] - It advocates for a unified bank settlement account system for both domestic and foreign currencies, with plans to expand the range of participants [1] - The plan facilitates the qualification application process for Qualified Foreign Institutional Investors (QFII) and Renminbi Qualified Foreign Institutional Investors (RQFII), improving direct investment foreign exchange management [1] - It supports foreign institutions in investing in Shenzhen's technology enterprises through Qualified Foreign Limited Partnership (QFLP) structures [1]
商业银行多边央行数字货币桥应用持续落地
news flash· 2025-05-23 13:54
Group 1 - The core viewpoint of the article highlights the successful execution of cross-border RMB payment through the mBridge by the Wenzhou branch of Industrial Bank, marking it as the first such transaction in Wenzhou and the largest in Zhejiang Province to date [1] - The role of banks in the mBridge project is emphasized, where they are responsible for building the underlying technical architecture and exploring diverse application scenarios for cross-border payments in goods and services trade [1] - The mBridge initiative aims to transition from theoretical concepts to practical applications, validating the feasibility of the technology through real-world transactions [1]
五部门推动南沙加快建设跨境资管中心 支持港澳投资者依法申请设立证券公司、基金公司
Zheng Quan Shi Bao· 2025-05-12 18:02
Core Viewpoint - The People's Bank of China, along with other financial regulatory bodies, has issued a set of 30 key measures to enhance financial support for the development of Nansha and the Guangdong-Hong Kong-Macao Greater Bay Area, focusing on innovation in financial services and cross-border financial cooperation [1][2][3] Group 1: Financial Support for Innovation and Entrepreneurship - The measures aim to support the development of technology innovation, high-end manufacturing, digital industries, marine industries, and future industries, as well as youth entrepreneurship [1] - New business models such as "loans + external direct investment" will be explored, and insurance institutions will be encouraged to invest in venture capital funds or directly in tech enterprises [1] - Qualified manufacturing and tech enterprises in Nansha will be supported in issuing tech bonds and exploring mixed financing models [1] Group 2: Enhancing Financial Services for Social Welfare - The measures will facilitate cross-border payment services and credit financing, and expand the pilot program for Hong Kong and Macao residents to open bank accounts [2] - There will be a focus on developing a cross-border asset management center in Nansha and encouraging multinational companies to establish regional headquarters [2] - The "Cross-Border Wealth Management Connect" pilot program will be gradually implemented [2] Group 3: Promoting Financial Market Connectivity - The measures will explore suitable settlement policies for the Greater Bay Area and support cross-border cooperation in futures trading [2] - Simplified application processes for cross-border equity investment will be introduced [2] Group 4: Expanding Financial Sector Openness - The measures propose the establishment of an international commercial bank in the Greater Bay Area and the introduction of diverse investment institutions [3] - Support will be provided for qualified Hong Kong and Macao investors to establish securities and fund companies in mainland China [3] - The measures will align with international high-standard regulatory frameworks to promote institutional openness in the financial sector [3]