（文章来源：证券日报） 证券日报网讯 1月5日，邮储银行在互动平台回答投资者提问时表示，我行立足资源禀赋，植根本土发 展，遍布城乡的营业网点及全面赋能的线上渠道，为个人和企业客户提供完备的跨境服务。面向个人客 户，我行提供外币储蓄、国际汇款、结售汇、外币兑换和外币携带证开具等服务，除美元外币理财之 外，携手星展银行对大湾区客户推出跨境理财通（南向通）服务，助力客户实现资产全球配置的多元化 需求。面向企业客户，提供全天候的跨境结算、融资、汇兑等服务，通过与中资银行境外分支机构、全 球系统重要性银行、境外金融市场核心区域银行的业务合作，打造面向全球的国际合作布局，并通过境 外项目融资、跨境银团、跨境担保等助力构建"一带一路"立体互联互通网络。2024年以来，我行成功接 入多边央行数字货币桥，目前数字货币桥已广泛服务于金融、制造、零售、建筑、批发、货运及贵金属 加工等多个行业，凭借秒级到账、全程可溯等优势，有效助力我行境外业务发展。关于我行经营发展及 业务详情，请关注我行官网，以及我行发布的定期报告及相关公告。 ...

Core Viewpoint - The official launch of the digital renminbi on January 1, 2026, marks a significant milestone in China's financial development, transitioning from a trial phase to a fully integrated payment method in daily economic life [1]. Group 1: Definition and Characteristics - The digital renminbi is a state-issued currency with the same legal status as physical cash, fundamentally different from speculative cryptocurrencies like Bitcoin [3]. - It operates as a digital wallet linked to bank accounts, allowing users to access their funds directly, which can also accrue interest [3]. Group 2: Strategic Importance - The digital renminbi is designed to enhance financial stability and prepare for potential future risks, ensuring that basic economic transactions can continue even in extreme situations, such as natural disasters [4]. - It provides a new payment channel that reduces reliance on Western-dominated payment systems, enhancing China's position in global trade and finance [5]. Group 3: Economic Management Tool - The digital renminbi's programmable features allow for more effective government subsidies, ensuring funds reach their intended targets without loss through intermediaries [7]. - It can protect consumer rights through smart contracts, ensuring that funds are only released under specific conditions, thus preventing fraud [7]. Group 4: Integration with Existing Systems - Digital renminbi will coexist with existing payment platforms like WeChat and Alipay, enhancing their functionality by allowing transactions directly from digital wallets [8]. - It features a controllable anonymity design, protecting user privacy during small transactions while enabling regulatory oversight for serious crimes [9]. Group 5: Societal Impact - The digital renminbi will facilitate smarter management and resource allocation, allowing the government to better understand market dynamics and consumer needs [11]. - It aims to enhance financial security for individuals, preventing fraud and theft while promoting better personal financial management through its features [11].

下一步，数字人民币跨境使用将持续通过技术迭代，持续扩大接入范围，降低服务成本，助力跨境贸易 和投融资便利化，支持离岸金融业务创新，推动高水平、制度型开放。展望未来，数字人民币的业务技 术模式选择将坚持以满足实体经济需要为根本出发点，对账户型、价值型数字货币发展方向采取兼收并 蓄、审慎取舍的原则，推动数字人民币满足不同场景、不同经营主体需求。 《行动方案》提出，在上海设立数字人民币国际运营中心和进一步推广多边央行数字货币桥，都是区块 链技术在数字人民币层面的现实运用。在数字人民币国际运营中心，基于成方链底座建设区块链服务平 台和数字资产平台并实现了"统一账本、业务分域"，提供链上结算工具和跨链转接能力，探索有利于穿 透式监管的合规资产数字化创新，支持票据、贸易融资工具、碳排放权等的链上发行、登记、托管和资 金结算，逐步形成7×24小时运行、一点对接、服务多元、货币联通、系统联通的优势。多边央行数字 货币桥侧重发挥区块链的分布式账本技术特点，着力解决各司法辖区的"业务主权和货币主权"问题，有 效实现各参与主体身份对等、权力对等、责任对等、利益对等，在所有参与主体之间实现数据同步。 北京商报讯（记者 刘四红）12月 ...

【场景】 前不久，人民银行扬州市分行推动辖内结算银行为重点进出口企业运用多边央行数字货币桥 支付贸易项下进口材料款2500万元，成为扬州单笔最大多边央行数字货币桥支付业务。 □ 本报记者 胡春春 从支付场景，到推动数字经济高质量增长的关键基础设施，江苏将数字人民币系统性地纳入提振消费、 高水平对外开放、城市高质量发展、数字经济创新发展试验区建设等20余项重点工作任务。在具体实践 中，淮安、徐州为300余家"专精特新"和科技型企业等量身定制数字人民币一揽子服务方案，实现交易 额达15亿元；盐城大丰探索数字人民币智能合约支持绿电直供与绿色消费认证；南京、无锡、苏州等地 上线预付消费产品4400余个，交易金额2000余万元，推动智能合约从单点测试向规模化、平台化发展。 值得提及的是，2025年"苏超"火爆出圈，为持续激活赛事消费新动能，江苏正在创新探索数字人民币赋 能大型赛事智能票务等场景应用。数据显示，截至2025年11月末，江苏新增数字人民币交易额超5万亿 元，同比增长90%，累计交易金额、消费金额均居全国第一，钱包数量达7700万个，受理商户达398.8 万户。 人民银行江苏省分行相关负责人表示，接下来将按照 ...

新华社北京12月24日电（记者吴雨、任军）记者12月24日从中国人民银行了解到，近日中国人民银 行等八部门联合发布意见，提出21条金融支持重点举措，推动发挥好"融资"和"结算"两项金融核心功 能，支持西部陆海新通道高质量发展。 据介绍，八部门联合发布的《关于金融支持加快西部陆海新通道建设的意见》，从多个方面提出重 点举措，聚焦"通道带物流、物流带经贸、经贸带产业"发展主线，深化金融改革创新开放，全面完善西 部陆海新通道金融服务体系。 在构建高质量资金融通体系方面，意见提出，在重庆设立西部陆海新通道基金，支持沿线基础设施 和产业园区建设。探索按照市场化、法治化原则，对存量通道基建项目债务给予转股等政策支持。支持 加快发展多式联运"一单制"金融保险服务，鼓励银行、保险公司等开发更多符合航运业发展需要的金融 产品和服务。 在完善金融开放体系方面，意见提出，支持广西打造中国—东盟金融城、重庆建设来福士国际金融 集聚区、成都搭建跨境投融资数字平台、广东湛江建设跨境投融资与产业合作平台。支持沿线省（区、 市）参与多边央行数字货币桥项目，推动与泰国、香港、阿联酋、沙特阿拉伯等跨境支付使用央行数字 货币。 中国人民银行有关负 ...

货币桥是由泰国银行（泰国央行）、阿联酋中央银行、中国人民银行数字货币研究所和香港金融管理局 联合建设的跨境金融基础设施，能够有效优化传统跨境支付流程长、效率低、成本高等痛点，为企业跨 境资金流转打造了更便捷、高效、安全的数字化通道，实现跨境结算效率从"按日达"到"分秒级"的跃 进。 12月17日，在中国人民银行黑龙江省分行的政策支持与指导下，中国银行黑龙江省分行成功为省内某企 业办理了省内首笔基于多边央行数字货币桥的跨境人民币汇出汇款。该笔业务的成功办理，标志着中国 银行黑龙江省分行在金融科技创新与应用领域进行新探索、取得新突破，也标志着"货币桥"跨境支付新 通道正式在黑龙江省实践应用。 转自：新华财经 作为全球人民币跨境服务主渠道银行，中国银行充分发挥全球化优势、综合化特色，联动境内外资源， 不断拓展跨境人民币新的应用场景，以全链条跨境金融服务护航企业出海。"十五五"期间，中国银行黑 龙江省分行将继续深耕多边央行数字货币桥在跨境支付方面的应用，将数字领域的金融服务向纵深推 进，进一步拓宽数字人民币生态覆盖面，以优质的跨境人民币服务助力龙江经济高质量发展。 编辑：穆皓 ...

在此次业务中，富邦华一银行依托"货币桥"平台的分布式账本技术（DLT），协助江苏亨通光电股份有 限公司高效完成货物贸易跨境汇款。 中经记者 郝亚娟 夏欣 上海、北京报道 近日，富邦华一银行苏州分行携手兴业银行上海分行成功落地首笔数字人民币货币桥（mBridge，以下 简称"货币桥"）跨境业务，这也是台资银行的首笔货币桥业务，此项突破性业务的落地，标志着富邦华 一银行在数字人民币前沿领域的领先实践。 多边央行数字货币桥是由中国人民银行数字货币研究所、香港金融管理局、泰国中央银行、阿拉伯联合 酋长国中央银行在国际清算银行香港创新中心的指导下共同联合发起的跨境金融项目。"货币桥"让四大 中央银行得以在同一个平台上发行和交换各自的央行数字货币（多元CBDC），与传统跨境支付体系相 比，大幅缩短了支付链路，实现交易全流程从"按日结算"到"分钟到账"的跃升，解决了跨境支付中的成 本高、效率低及透明度低等难题，让企业的国际采购计划更可控、生产安排更精准、资金使用更高效。 （编辑：杨井鑫 审核：朱紫云 校对：颜京宁） ...

Core Insights - The People's Bank of China (PBOC) emphasizes the importance of cross-border payment cooperation with Hong Kong, leveraging financial technology innovations to enhance economic integration [1] - The digital yuan is being actively explored for cross-border payment solutions, with China being a pioneer in the development and application of central bank digital currencies (CBDCs) [1][2] - The establishment of the Digital Yuan International Operation Center in Shanghai and the Digital Yuan Operation Management Center in Beijing marks a significant step in the infrastructure for digital currency [2][3] Group 1 - The PBOC is expanding the Renminbi Cross-Border Payment System (CIPS) in Hong Kong and promoting interconnectivity between rapid payment systems [1] - The digital yuan international operation center in Shanghai has launched three major platforms: cross-border digital payment, blockchain service, and digital asset platforms [2] - The digital yuan operation management center in Beijing will oversee the core infrastructure of the digital yuan system and promote its development [3] Group 2 - The PBOC is pushing for a multilateral central bank digital currency bridge to explore new paradigms in cross-border payments [5] - The digital yuan cross-border payment platform is designed to facilitate bilateral cooperation with various monetary authorities, enhancing cross-border connectivity [5] - The integration of the "blockchain + digital asset" dual platform aims to improve regulatory efficiency and asset digitization, thereby optimizing economic resource allocation [5]

Core Insights - The People's Bank of China Shenzhen Branch reported significant growth in digital RMB adoption, with nearly 30 million digital wallets opened and over 2 million merchants accepting digital RMB as of September 2025 [1] - The total transaction amount for digital RMB in Shenzhen reached nearly 180 billion yuan, an increase of 40 billion yuan since the beginning of the year [1] Group 1: Digital RMB Wallets and Transactions - As of September 2025, Shenzhen has opened nearly 30 million digital RMB wallets, an increase of approximately 1.5 million since the start of the year [1] - The cumulative transaction amount for digital RMB reached nearly 180 billion yuan, with an increase of 40 billion yuan from the beginning of the year [1] Group 2: Innovative Applications and Use Cases - Shenzhen has implemented innovative applications for digital RMB, including the first digital RMB car insurance payment and direct salary payments to workers' digital wallets [1] - The Industrial and Commercial Bank of China Shenzhen Branch has created a closed loop for loans using digital RMB, providing tailored financing solutions for businesses [1] Group 3: Prepaid Business Management and Cross-Border Applications - Shenzhen has pioneered a prepaid business management service model, signing contracts with nearly 5,000 merchants and managing funds of nearly 4.7 billion yuan [2] - The region is exploring the applicability of a multilateral central bank digital currency bridge in cross-border transactions, with total business amounts exceeding 10 billion yuan [2]

Core Viewpoint - The article highlights the shift in global financial governance from dominance by sovereign currencies to the provision of safer, lower-cost, and inclusive cross-border payment solutions, exemplified by the contrasting experiences of digital RMB and traditional currency exchanges [1]. Group 1: Trade Scenarios - The strategy focuses on creating a "RMB circle" by facilitating direct currency exchanges with countries related to the Belt and Road Initiative, aiming for 100% mutual currency settlement accounts with ASEAN countries by the end of 2025 [2]. - The implementation of simplified tools for small and medium enterprises (SMEs) has significantly reduced transaction times from 3 days to 2 minutes, enhancing efficiency and reducing costs [2]. Group 2: Fiscal Incentives - A fiscal incentive program offering a 0.3% reward on RMB settlements for SMEs is projected to cost 12 billion yuan annually but could stimulate 2 trillion yuan in trade, effectively lowering costs for businesses [3]. Group 3: Bond Market Development - The expansion of foreign market makers in the bond market from 46 to 100 by the end of 2025 aims to enhance liquidity and reduce transaction costs, with the first foreign market maker already demonstrating improved pricing [4]. - The introduction of long-term interest rate hedging products, such as 10-year government bond options and green CDS, is expected to attract foreign investment and mitigate credit risk [5]. Group 4: Offshore Financial Regulation - The establishment of integrated offshore accounts in Shanghai aims to streamline cross-border transactions while maintaining regulatory oversight, with significant reductions in transaction fees [6]. - The collaboration between Shanghai and Hong Kong to create a unified bond yield curve is set to enhance the pricing benchmark for RMB bonds in Asia [7]. Group 5: Capital Flow Management - The implementation of a macro-prudential adjustment fee for excessive capital inflows and outflows is designed to stabilize the market and reduce volatility [8]. - The use of AI for early warning systems in capital flows has proven effective in preventing potential financial risks [9]. Group 6: Rule-Making and International Cooperation - The establishment of a CBDC international alliance aims to facilitate cross-border digital currency transactions, with significant cost reductions compared to traditional methods [10]. - The proposal for IMF reform to increase the SDR weight of the RMB is gaining support among emerging economies, indicating a shift towards a more multipolar financial system [11]. Group 7: Overall Financial Strategy - The article concludes that the future of global finance will not be dominated by the RMB replacing the USD, but rather a coexistence of multiple currencies, with the RMB emerging as a regional leader in Asia and Africa [12][13].