"数字人民币智能合约平台的拓展空间还很大。"王蓬博表示，在预付资金管理领域，数字人民币智能合 约可以根据合同预设约定自动强制执行，有效防范资金挪用，目前已有多地落地应用。消费者购买商户 服务时，其预付资金进入加载智能合约的数字人民币钱包。在实际消费前，预付资金仍然归消费者所 有；用户消费时，智能合约将依据预设条件自动执行资金划转至商户钱包，用一次付一次；消费者退卡 或商户经营异常时，智能合约将保障用户未消费的钱及时退回消费者。 在促消费领域，数字人民币智能合约可以根据政策要求，按约定时间及规则发放至消费者数字人民币钱 包，并根据实现约定的交易时间、商户清单范围、消费金额等条件自动触发使用，可有力刺激市场消 费，推动经济有效增长。例如，地方政府发放"以旧换新"补贴，智能合约可根据地方政府提供的数据， 自动判断用户是否具备本地户口、是否符合"以旧换新"条件等。 在供应链金融场景，数字人民币智能合约可以根据供应链上下游企业长期贸易来往形成的订单数据，确 保企业信贷资金仅用于生产经营，有效避免资金滥用或挪用风险。金融机构通过数字人民币智能合约可 实现信贷资金跨机构发放，进一步降低企业金融服务获得成本，提升金融机构贷后 ...

马年春节期间，多地政府、数字人民币运营机构开展了多样的数字人民币促消费红包发放、满减支付等 活动。业内人士表示，通过加载智能合约功能，数字人民币红包可充分满足复杂场景和灵活定制的消费 补贴政策需求，确保消费激励精准直达，为消费市场注入一份数字活力。 具体来看，从2月16日开始至2月底，交通银行持续开展"数字人民币月享节新春活动"，用户在支付宝、 淘宝、盒马、飞猪、高德等阿里系平台以及京东商城、美团、哈啰平台等场景选择使用交行数字人民币 钱包，可享16元消费券包、支付随机立减、幸运大转盘抽奖、1分乘地铁公交、积分兑换红包、新户红 包等多项优惠。 商务部、文化和旅游部、中国人民银行等9部门此前联合印发《2026"乐购新春"春节特别活动方案》 称，鼓励使用数字人民币智能合约消费红包，推动数字消费与实体消费深度融合。据业内专家介绍，数 字人民币智能合约可以根据政策要求，按约定时间及规则发放至消费者的数字人民币钱包，并根据约定 的交易时间、商户清单范围、消费金额等条件自动触发使用，持续提高消费补贴发放精准度，有力激发 消费市场潜力。 值得注意的是，数字人民币消费红包的背后，是数字人民币智能合约的广泛运用，这也成为数币钱 ...

Core Viewpoint - The digital RMB is being actively promoted through various consumer incentive activities by financial institutions as the Spring Festival approaches, aiming to boost consumption and enhance user experience with digital payments [1][3][4]. Group 1: Digital RMB Promotions - Multiple financial institutions, including Bank of Communications and China Merchants Bank, are launching promotional activities for digital RMB, such as consumer red envelopes and discounts [1][3][4]. - Bank of Communications' "Digital RMB Monthly Enjoyment Festival" offers various incentives, including a 16 yuan coupon package and random discounts, starting from February 16 until the end of the month [3]. - The promotional activities have reportedly driven consumption exceeding 9.5 billion yuan across 13.9 million transactions since the launch of the "Digital Currency Festival" model [3]. Group 2: Consumer Engagement and Experience - China Merchants Bank's "Lucky Money, Currency Gifts" campaign provides exclusive consumer red envelopes for new users and offers discounts on essential services like utility payments and food delivery [4]. - The integration of digital RMB with smart contracts is highlighted as a means to enhance the precision of subsidy distribution and improve the efficiency of subsidy fund usage [5]. - The activities are designed to create a richer user experience and cover a wide range of daily consumption scenarios, promoting the use of digital RMB in various aspects of life [4].

Core Viewpoint - The digital RMB (Renminbi) is being actively promoted through various consumer incentive activities by its operating institutions as the Spring Festival approaches, aiming to boost consumption and enhance user experience [1][3][4]. Group 1: Digital RMB Promotions - Multiple banks, including Bank of Communications and China Merchants Bank, are launching promotional activities to encourage the use of digital RMB, such as consumer coupons, random discounts, and lucky draws [3][4]. - The "Digital RMB Monthly Enjoyment Festival" by Bank of Communications will run from February 16 to the end of February, offering various incentives for users who utilize their digital RMB wallet across multiple platforms [3]. - The cumulative consumption amount driven by Bank of Communications' digital RMB promotional activities has exceeded 9.5 billion yuan, with 13.9 million transactions recorded since the launch of the "Digital Currency Festival" model [3]. Group 2: Consumer Experience Enhancement - China Merchants Bank is enhancing the digital RMB user experience by offering exclusive consumer red envelopes for new wallet users and various discounts on essential services like utility payments and food delivery [4]. - The promotional activities are designed to cover a wide range of daily consumption scenarios, providing a richer experience for users during the Spring Festival [4]. - The underlying technology of these consumer red envelopes is based on the application of digital RMB smart contracts, which allow for customized payment solutions and improved efficiency in subsidy distribution [4].

（来源：宁夏金融工作） 农民工 王同林：感觉很好，而且不用去银行里面，手机上就可以开通数字人民币钱包，用起来也很方便，而且工资到账也是秒到。工资到了自己的钱包 里面，感觉特别开心。 近日，数字人民币智能合约保障农民工工资支付场景在成都率先落地，为探索农民工工资支付保障提供了数字金融新模式。 首单落地 数字人民币守护农民工"钱袋子" 这几天，在四川省成都市，农民工王同林收到了一笔特殊的收入：用数字人民币发放的工资。 让王同林吃下"定心丸"的，正是数字人民币智能合约的全新应用。那么，数字人民币智能合约到底是什么？简单理解，它就像一份"智能数字合同"，用计 算机程序把约定好的条件写进系统，一旦满足条件，就会自动完成数字人民币支付、履行合约义务，从根本上杜绝人为干预。 具体来说，在农民工工资支付场景中，银行依托数字人民币智能合约生态服务平台，为总包企业开立单位钱包并加载智能合约，可以实现全程监管资金流 向，确保资金专款专用、不被截留挪用。 交通银行四川省分行副行长 陈科：保障农民工工资支付是中央一号文件的重要内容。基于数字人民币运营管理中心建设的智能合约生态服务平台，交通 银行率先运用数字人民币智能代发合约，成功发薪 ...

央视网消息：近日，数字人民币智能合约保障农民工工资支付场景在成都率先落地，为探索农民工工资支付保障提供了数字金融新模式。 这几天，在四川省成都市，农民工王同林收到了一笔特殊的收入——用数字人民币发放的工资。 农民工 王同林：感觉很好，而且不用去银行，手机上就可以开通数字人民币钱包，用起来也很方便，而且工资到账也是秒到。工资到了 自己的钱包里面，感觉特别开心。 让王同林吃下"定心丸"的正是数字人民币智能合约的全新应用。那么，数字人民币智能合约到底是什么？简单理解，它就像一份"智能数 字合同"，用计算机程序把约定好的条件写进系统，一旦满足条件，就会自动完成数字人民币支付、履行合约义务，从根本上杜绝人为干预。 具体来说，在农民工工资支付场景中，银行依托数字人民币智能合约生态服务平台，为总包企业开立单位钱包并加载智能合约，可以实现 全程监管资金流向，确保资金专款专用、不被截留挪用。 交通银行四川省分行副行长 陈科：保障农民工工资支付是中央一号文件的重要内容。基于数字人民币运营管理中心建设的智能合约生态 服务平台，交通银行率先运用数字人民币智能代发合约，成功发薪100余万元，实现工资精准直达，从源头防范挪用风险，让农民 ...

Core Viewpoint - The implementation of the first digital RMB smart contract for migrant workers' wage payments in Chengdu, Sichuan, represents a new digital financial model aimed at ensuring timely and full wage payments for migrant workers, thereby enhancing their welfare and interests [1][3]. Group 1: Digital RMB Smart Contract Implementation - The digital RMB smart contract automates wage payments through a computer program that executes contract obligations based on predefined conditions, eliminating human intervention and supporting cross-institutional interoperability [1][5]. - During the wage payment process, the Bank of Communications opened a corporate wallet for the construction company and utilized a smart payment contract to distribute over 1 million yuan to 104 workers, effectively preventing fund misappropriation [1][5]. Group 2: Data Empowerment and Industry Solutions - The "Anxin Zhu" platform developed by Yizhi Technology provides clear and accurate business data, enhancing the management of funds through digital RMB smart contracts, thus addressing issues like "separation of people and cards" and ensuring workers receive their wages accurately [2][6]. - Sichuan Province, with over 150,000 construction companies and more than 4 million workers, is focusing on digital solutions to tackle wage arrears, emphasizing a comprehensive digital governance model [2][6]. Group 3: Market Demand and Future Developments - The market demand for digital RMB smart contracts is expanding, with applications in areas such as fiscal subsidies and supply chain finance, which improve payment monitoring and fund processing efficiency [3][6]. - As of January 2026, there have been 486,400 signed contracts with a total transaction amount of 316 million yuan in various pilot applications, indicating significant growth in the use of digital RMB smart contracts [3][6]. - Future plans include enhancing system services and promoting existing models while collaborating with member banks to innovate applications of digital RMB smart contracts for industry development and social governance [7].

Core Insights - The People's Bank of China has facilitated the launch of the first digital RMB smart contract for wage payments to migrant workers in Chengdu, marking a new model for digital and inclusive finance [1] - The digital RMB smart contract automates wage disbursement, ensuring funds are not misappropriated and are paid in full according to wage details [1] Group 1: Digital RMB Smart Contracts - Digital RMB smart contracts enable the digitalization, automation, and enforcement of contracts, eliminating human intervention and supporting cross-institutional interoperability [1] - The smart contract ecosystem allows for automatic execution of funds based on pre-set conditions, enhancing financial security and efficiency in various applications [2] Group 2: Applications and Impact - Smart contracts have been piloted in areas such as prepaid fund management, supply chain finance, corporate finance management, and subsidy distribution, demonstrating their versatility [2] - In prepaid fund management, funds remain with consumers until conditions are met, ensuring protection against misuse [2] - By January 2026, there will be 486,400 signed contracts with a total transaction amount of 316 million yuan in various sectors [3]

中经记者 郝亚娟 张漫游 上海、北京报道 近日，商务部、文化和旅游部、中国人民银行等9部门联合印发《2026"乐购新春"春节特别活动方案》 （以下简称"《活动方案》"），重点鼓励使用数字人民币智能合约消费红包，推动数字消费与实体消费 深度融合。 《中国经营报》记者注意到，多地及多家金融机构迅速响应、同步行动，密集发放数字人民币红包，覆 盖餐饮、购物、出行等多元消费场景。业内人士认为，通过智能合约实现资金"定向滴灌"，不仅能有效 防止套现与挪用、提升财政资金使用效率，更将为数字人民币开拓高频主流应用场景，加速其从局部试 点向全域生态构建迈进，为提振消费、复苏经济注入数字化新动能。 政策筑基 "相比传统方式，数字人民币智能合约消费红包具备精准触发、降本增效与风险防控三位一体的独特优 势。"武泽伟向记者分析称，一是政策精准性与有效性。资金用途、场景、时效等条件可被提前设定并 自动执行，确保消费激励"直达目的"，精准撬动实体交易。二是综合成本更低。对政府与商户而言，数 字人民币支付即结算且通常零手续费，降低了资金发放与收取的成本；对用户而言，操作集成度更高， 核销更便捷。三是兼具信任与安全。以国家信用背书，具备法偿性 ...

证券日报网讯1月29日，中科江南（301153）在互动平台回答投资者提问时表示，公司以电子凭证库为 核心支撑，构建五纵四横全链路监管体系，纵向贯通人行—财政—预算单位—银行—收款方，横向覆盖 预算编制、支付、核算、决算全流程，实现管理流、资金流、凭证流的统一，对预算执行、转移支付资 金进行动态监测，有效防范资金使用风险。同时，公司持续探索数字人民币智能合约与伞列钱包技术在 财政专项资金拨付、惠民惠企补贴发放等业务场景的融合应用，进一步实现资金穿透监管与交易记录的 安全保存。在防止资金挪用和异常交易监测方面，公司通过个人电子签名签章安全检测模型、政策法规 智能解析模型、资金流向知识图谱以及财会监督风险预警模型等技术能力，实现风险探查与闭环处置的 高效联动，保障财政资金安全、规范、高效运行。 ...