每经记者｜张寿林 每经编辑｜廖 丹 12月14日，商务部、中国人民银行、金融监管总局联合发布《关于加强商务和金融协同 更大力度提振 消费的通知》（以下简称《通知》），强化商务和金融系统协作，引导金融机构聚焦消费重点领域加大 支持力度，助力提振和扩大消费。 商务部财务司负责人在政策解读中提到，商务部、中国人民银行、金融监管总局深入调查研究、广泛听 取意见，在已出台金融支持政策基础上，进一步细化完善具体举措，研究制定《通知》，指导地方相关 部门和金融机构加强协同，精准施策推动惠民生和促消费紧密结合，形成提振和扩大消费的更大工作合 力。 更好满足换新需求 《通知》提出升级商品消费。加强大宗耐用消费品、数码产品等消费金融服务，挖掘商品消费升级潜 能。推动金融机构与平台、重点商户合作，走进商超卖场，完善分期付款、信用卡、手机银行、数字人 民币等产品服务模式，更好满足消费者换新需求。根据客户还款能力和信用情况，合理确定贷款发放比 例、期限和利率，落实好个人消费贷款额度、期限、利率差异化政策，加快推动个人消费贷款业务发 展。适当减免汽车以旧换新过程中提前结清贷款产生的违约金。加强金融机构与内外贸一体化重点企业 和平台对接， ...

（文章来源：商务部网站） 商务部办公厅、中国人民银行办公厅、金融监管总局办公厅发布关于加强商务和金融协同，更大力度提 振消费的通知。其中提到，强化政策合力。鼓励地方商务主管部门充分利用现有资金渠道，积极开展促 消费活动，与金融支持形成合力，更好激发消费潜力。鼓励有条件的地方运用数字人民币智能合约红包 提升促消费政策实施质效。结合地方实际探索运用融资担保、贷款贴息、风险补偿等多种方式，加强财 政、商务、金融政策协同配合，引导信贷资金加大向消费重点领域投放。鼓励有条件的地方通过多种方 式支持参与康养、文旅等消费重点项目和数字、绿色等新型消费领域。鼓励银行和非银行金融机构发挥 各自特点，加强优势互补，协同参与促消费活动，促进消费提质升级。 ...

Core Insights - The article highlights the successful implementation of China's first domestic factoring supply chain finance business utilizing digital RMB smart contracts, marking a significant innovation in financial services for small and medium-sized enterprises in the industrial chain [1] Group 1: Business Implementation - The business was launched under the guidance of the Yangzhou municipal government, the People's Bank of China Yangzhou branch, and the Postal Savings Bank of China [1] - The operation leverages the Postal Savings Bank's "U Chain" supply chain finance platform, integrating the programmability of digital RMB with smart contract technology [1] Group 2: Process Overview - The core enterprise, Jiangsu ** Construction Engineering Co., Ltd., confirmed accounts payable to the supplier, Yizheng City ** Building Materials Trading Co., Ltd., which initiated a financing request online [1] - The smart contract automatically generated contract certificate information based on the borrowing agreement, enabling a fully online and automated financing process [1] Group 3: Future Plans - The Postal Savings Bank's Yangzhou branch plans to deepen its digital transformation and replicate this model across more industrial scenarios [1] - The bank aims to fully utilize digital RMB smart contracts to enhance the quality and efficiency of the supply chain finance ecosystem [1]

Core Insights - The article discusses the implementation of a centralized sales and financial reporting system for agricultural products at the Gongbei Port Market in Zhuhai, aimed at enhancing social consumption potential and addressing challenges in agricultural product management [1][2] - The system, developed by Zhuhai Industrial and Commercial Bank in collaboration with the People's Bank of China, introduces a unified cash collection and financial accounting model to streamline data reporting [1] Group 1 - The new system has processed over 300,000 transactions and achieved a total centralized sales amount exceeding 30 million yuan since its launch this year [2] - The initiative serves as a case study and system support for the government to promote centralized financial reporting in the retail and commercial sectors, accelerating the progress of agricultural product sales reporting [2] - The system features a real-time settlement model that meets the cash flow needs of market merchants, enhancing their operational efficiency [2]

Core Insights - The digital RMB pilot program has expanded to 23 regions across 15 provinces and cities, with significant transaction volumes and innovative applications emerging in various sectors [1][2] Group 1: Pilot Expansion and Transaction Volume - The digital RMB pilot program has expanded from 10+1 regions to 15 provinces and cities, with 23 areas involved [2] - As of May 31, the pilot regions have recorded approximately 264 million transactions, amounting to about 83 billion RMB [1] Group 2: Application Scenarios and Innovations - New application scenarios for digital RMB are being developed, including a "digital currency + public fund" service in Shenzhen and cross-region tax payments in Guangzhou [2] - The digital RMB features characteristics such as low cost, immediate settlement, and programmability, which are being leveraged to enhance public and private sector integration [3] Group 3: Privacy Protection Measures - The digital RMB adheres to the principle of "small amounts anonymous, large amounts traceable," ensuring robust personal information protection [4][5] - The dual-layer operational system allows for the collection of necessary personal information while maintaining user privacy [5] Group 4: Legal and Regulatory Framework - There is an ongoing effort to establish legal regulations and industry policies to solidify the legal foundation for digital RMB [6][7] - Key measures include creating information isolation mechanisms, defining legal conditions for wallet operations, and enhancing anti-money laundering regulations [7]

Core Insights - The digital RMB is expanding its application scenarios, showcasing innovative products like the low-carbon card and IoT smart gas meters at the 2022 China International Fair for Trade in Services [1][2][3] - The digital RMB wallet launched by Industrial Bank marks a significant step in the bank's efforts to enhance digital currency services and broaden its operational scope [3] - The introduction of smart contract technology within the digital RMB framework is a key innovation, enabling programmable transactions and enhancing efficiency in various economic activities [4][5] Group 1: Digital RMB Innovations - The low-carbon card, a hardware wallet for digital RMB, allows users to make payments across various online and offline scenarios, enhancing convenience for consumers [1] - The IoT smart gas meter integrates a digital RMB wallet, streamlining the gas purchasing process and addressing traditional complexities [2] - Industrial Bank has introduced over ten types of digital RMB hardware wallets, including smartwatches and electronic IDs, to improve customer payment experiences [2] Group 2: Expansion and Adoption - As of May 31, digital RMB transactions reached approximately 264 million, totaling around 83 billion RMB, with 4.567 million merchants supporting digital RMB payments [3] - The digital RMB wallet by Industrial Bank aims to create more unique scenarios and business models, contributing to the broader adoption of digital currency [3] Group 3: Smart Contract Applications - Smart contracts within the digital RMB ecosystem can reduce transaction costs and enhance the business environment, with applications in government subsidies and retail marketing [4][5] - The technology allows for automated payment transactions based on agreed conditions, improving efficiency and compliance in various sectors [4][5] - Future developments will focus on building a robust ecosystem for smart contracts, involving collaboration with market institutions to establish standards and compliance mechanisms [5]

Core Viewpoint - The application of digital currency, particularly the digital yuan (e-CNY), is becoming a significant trend in international payments and cross-border trade settlements, representing China's strategic move to enhance its competitiveness in the global economic system [1] Group 1: Digital Yuan and Smart Contracts - The digital yuan is not just a digital form of the renminbi but a strategic initiative by China to deepen reforms and enhance competitiveness in the global economy [1] - Smart contracts, based on blockchain technology, can automatically execute contract terms without relying on third-party intermediaries, improving efficiency and transparency in cross-border trade settlements [1][3] Group 2: Advantages Over Traditional Payment Systems - Traditional cross-border payment systems rely on intermediaries, making the process cumbersome and time-consuming, while the digital yuan's smart contracts can automatically trigger payments upon consensus between trading parties [3] - The use of digital yuan can effectively reduce risks associated with exchange rate fluctuations by minimizing foreign exchange conversion steps, thus enhancing payment stability and reliability [3] Group 3: Integration with SWIFT System - The SWIFT system remains a crucial infrastructure for cross-border payments, but it has limitations such as long transaction times and high costs, which the digital yuan's smart contracts can help address [5] - Integrating digital yuan smart contracts into the SWIFT system can enhance cross-border payment efficiency, reduce costs, and improve interoperability within the global payment system [5][7] Group 4: Future Implications - The collaboration between digital yuan and the SWIFT system can simplify settlement processes by allowing direct payments between buyers and sellers, reducing operational risks and disputes arising from information asymmetry [7] - The synergy between digital yuan and SWIFT is expected to drive the intelligent transformation of global cross-border payments, ushering in a new era of efficient, secure, and convenient payment solutions [9]

Group 1: Event Overview - The 14th Golden Finance Conference opened on June 26, showcasing cutting-edge technology products and emphasizing the role of financial institutions in empowering technological innovation and modern industrial system construction [1] - The event featured 312 financial institutions across 2,000 square meters, with five new financial platforms launched and a total of 51 industry-finance connection projects signed, amounting to over 71 billion yuan [1] Group 2: Financial Innovations - Industrial and Commercial Bank of China (ICBC) presented a "Smart Financial Experience Hall," featuring an intelligent remote machine that allows efficient handling of complex banking services, with public account opening completed in as little as 15 minutes [3] - China Everbright Bank showcased an instant social security card issuance service, allowing customers to receive their cards immediately at any local branch after online application [3] Group 3: Gold and Digital Currency Initiatives - The conference introduced a gold and jewelry sales area, with significant price differences attracting consumers; for instance, gold prices ranged from 788.47 yuan to 988 yuan per gram [5] - A digital RMB consumption experience area was set up, offering various discounts and promotions for users, such as 80% off public transport fares and 0.1 yuan drinks [5] Group 4: Consumer Protection and Financial Support - The "Guangxin Pre" platform was launched to address consumer concerns regarding prepaid services, utilizing digital RMB and smart contract technology to ensure the safety of prepaid funds [7][8] - The establishment of the Guangzhou Bay Area International Restructuring Center aims to assist enterprises in distress and enhance financial risk resolution, with a focus on debt resolution and cross-border restructuring [9][10]