展望未来，数字人民币将加强场景建设和应用创新，尤其是推动对公业务与个人业务场景应用深度融 合，与此同时，遵循"小额匿名、大额依法可溯"的原则，充分保障公众合理的个人信息保护需求。相关 部门也将研究出台数字人民币相关法律法规和行业配套政策，夯实数字人民币法治基础。 推动对公与个人业务深度融合 数字人民币试点测试范围正稳步扩大。经报国务院同意，数字人民币试点从原来的"10+1"试点地区拓展 到15个省市的23个地区，深圳市、苏州市、雄安新区、成都市4个地方取消了白名单限制，吸收兴业银 行作为新的指定运营机构。 值得注意的是，近来，数字人民币应用场景不断拓展，除了零售支付场景外，在对公和个人业务联动的 领域也屡有创新。如，全国首个"数币+"公积金专窗在深圳市福田区中国银行深圳中心区支行营业部正 式落地，可为深圳市灵活就业人员等市民群体提供数字人民币公积金缴存"一站式"服务；广州成功办理 首笔数字人民币异地缴税业务，纳税人通过银行端实现个人数字人民币账户异地清缴税款；苏州多家企 业通过数字人民币缴纳了土地出让保证金等。 下一步如何稳妥推进数字人民币发展？中国人民银行副行长范一飞在日前举行的第五届数字中国建设峰 会数字 ...

近期，数字人民币试点新进展不少。兴业银行数字人民币钱包于日前上线，这是今年3月兴业银行 成为第10家数字人民币运营机构后的重要进展。兴业银行相关负责人表示，该行将以数字人民币钱包上 线为契机，打造更多特色场景和商业模式，不断延伸服务触角，推进数字人民币试点工作扩面增量，为 实体经济和广大人民群众提供更加便捷安全的数字人民币服务，努力建设成为市场领先的数字人民币运 营机构。 产品创新提速、使用场景拓宽，数字人民币试点正稳步推进。截至5月31日，15个省市的试点地区 通过数字人民币累计交易笔数大约2.64亿笔，金额大约830亿元人民币，支持数字人民币支付的商户门 店数量达到456.7万个。 看到这些新进展，大家更关心的是数字人民币接下来如何发展？在服贸会期间举行的2022中国国际 金融年度论坛上，中国人民银行数字货币研究所所长穆长春透露，将搭建数字人民币智能合约生态服务 平台。 数字人民币智能合约技术是目前数字人民币最突出的创新之一。"智能合约在支撑数字经济降本提 效、促进服务创新发展等方面具有巨大潜力。"穆长春表示，在数字人民币的顶层设计中，通过加载不 影响货币功能的智能合约，实现了数字人民币的可编程性，使数字 ...

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]