数字人民币再迎重磅进展。一方面是应用场景的不断延伸，在试点领域上不断扩宽加深，近日就有地区探索数字人民币应用于连环债清偿，建立资金直达 链尾模式；另一方面，也传来多家机构对数字人民币身份信息的强化治理消息，进一步加固了数字人民币安全可信的使用环境。分析人士认为，未来，随 着技术成熟、应用深化，数字人民币后续试点中有望发挥更大作用，并逐步构建起一个更加高效、安全、普惠的金融生态。 应用于连环债清偿 数字人民币在债务清偿领域迎来新探索。 近日，湖南省人民政府办公厅发布《关于做好湖南金融"五篇大文章"服务经济高质量发展的实施意见》，其中提到，将探索数字人民币应用于连环债清 偿，建立资金直达链尾模式。同时强调，将扩展移动支付场景应用，稳妥推进数字人民币应用，拓展数字人民币应用场景，扩大数字人民币使用规模。 业内认为，这一举措旨在利用数字人民币的技术优势，提升债务清偿效率与透明度，解决长期困扰经济运行的债务积压问题。 何为连环债？简单来说，是在经济发展过程中出现的机关、事业单位、国有企业与民营企业间形成的超出常规账龄期限且缺乏有效清偿机制的应收应付款 项。有效化解此类债务链条，将破除资源要素流通壁垒，缓解企业资金压力。 ...

Core Viewpoint - The article discusses the implementation of the "Five Major Financial Articles" in Hunan Province aimed at enhancing economic development through financial reforms, particularly focusing on the digital yuan and debt repayment mechanisms [1][2]. Group 1: Digital Yuan Application - Hunan Province is accelerating the exploration of digital yuan applications, particularly in the context of settling inter-enterprise debts, which are overdue receivables between public and private sectors [2][3]. - The government aims to expand mobile payment scenarios and increase the scale of digital yuan usage, indicating a strategic push towards digital currency integration in financial transactions [2][4]. Group 2: Debt Repayment Mechanism - The article highlights the establishment of a debt repayment mechanism to alleviate financial pressure on small and micro enterprises, which is crucial for stimulating their growth and supporting economic restructuring [3]. - The implementation plan includes strengthening repayment measures, seeking policy support for special bonds, and innovating financial tools to broaden repayment funding channels [3]. Group 3: Practical Applications and Innovations - As of June, the number of merchants participating in the digital yuan pilot in Changsha reached 560,000, with over 200 million transactions amounting to more than 46.2 billion yuan [5]. - The successful implementation of digital yuan for salary payments in various provinces, such as Fujian and Chongqing, demonstrates the practical benefits of digital currency in enhancing payment efficiency and ensuring fund security [6][7].