京北方 20260104 摘要 Q&A 近期数字人民币政策有哪些重要变化和进展? 近期,数字人民币政策出现了多项重要变化和进展。中国人民银行副行长陆磊发 布了一篇题为《守正创新》的文章,强调稳步发展数字人民币,这是党的二十届 四中全会提出的目标之一。此外,还有几项与数字人民币相关的重要政策出台, 包括关于人民币跨境支付系统业务规则的修订、新的金融支持加快西部陆海新通 道建设的意见等。这些政策显示出国家对数字人民币及其底层金融基础设施建设 的高度重视。 争多一 更多资料加入知识星球:水木调研纪要 关注公众号:水木纪要 数字人民币未来发展的重点方向是种么? 数字人民币未来发展制宜点方向之一是跨境支付。目前已有几家股份制银行通過*^^： shuimu2026 最新闻网 - " 数币完成了镜外支付应用,如保底业务、供应链业务和贸易融资等。这次国家指 品意ົ射确指出,未来数币将不仅仅是一个简单的支付渠道, 而是将与 Swift 进行混合支付,从而成为国内主要的跨境支付渠道8滞合支付方式结合了信息流、 资金流和快捷支付等多种优势,将显著提升跨境支付效率并降低成本。 国家高度重视数字人民币及其底层金融基础设施建设,修订人民 ...

更多资料加入知识星球:水木调研纪要 关注公众号:水木纪要 天阳科技 20260104 摘要 Q&A 数字人民币从 M0 演变为 M1 后,将带来哪些具体变化和影响? 数字人民币从 MO 演变为 M1后,首先在使用范畴上有了显著扩展。原本数字人民 币只是纸质现金的电子版,主要用于个人消费支付,应用场景有限。而现在,它 已被正式纳入存款类别,这意味着它可以承担更多传统货币的功能,包括企业间 的结算和合同转账等。 在跨境支付方面,数字人民币的推广也可能带来深远影 响。如果未来中国与其他国家通过 CIPS(人民币跨境支付系统)进行货币互换, 并形成一个以数字人民币为基础的生态体系,那么不仅中国将成为货币发行方, 还可能形成一个多国联盟,共同推动国际结算。这将极大拓展数字人民币的应用 数字人民币正式纳入存款类别,增强了其作为传统货币的功能,包括企业 . 结算和合同转账,并可能通过 CIPS 系统促进跨境支付,形成以数字人民 币为基础的国际结算生态。 数字人民币具备全程可追溯、不可篡改的特性,在反洗钱和反电信诈骗方 ● 面具有显著优势,随着应用范围扩大,其在打击非法活动中的作用将进一 步增强。 与稳定币相比,数字人民币由 ...

2026年1月4日，京北方披露接待调研公告，公司于1月4日接待淡水泉（北京）投资、彼得明奇私募基 金、博时基金、财信证券、长盛基金、大家资管等71家机构调研。 调研情况显示，京北方作为数字人民币领域的早期参与者与核心服务商，较早布局相关业务拓展与项目 研发，拥有丰富系统建设经验及专家团队，形成覆盖多场景的数字人民币系统产品矩阵与技术储备。公 司深度参与数字人民币生态圈建设，涉及多家国有大行智能合约平台、数字钱包应用及第三方支付等关 键系统，并作为多边央行数字货币桥合作供应商，为银行提供跨境支付系统技术支持，业务覆盖生活消 费、政务服务、融资服务、跨境支付结算等多种生态领域，支持个人、企业及政府机构的标准化与定制 化应用场景。 新颁布的数字人民币政策最本质变化在于定位层级从M0现金类延伸至M1甚至更广范畴，标志着其 由"数字货币"向"数字存款"演进，具备计息功能后从表外转入银行表内负债端，提升银行商业激励，推 动应用转向"账户＋支付"综合模式，服务"金融强国"及"人民币国际化"战略，尤其在跨境支付领域依 托"一带一路"已实现实际应用。与微信、支付宝相比，数字人民币因具备账户体系，在对公服务、跨境 支付等方面更具 ...

（记者 王晓波） 截至发稿，京北方市值为177亿元。 每经头条（nbdtoutiao）——对话马斯克脑机接口"一号受试者"：大脑植入芯片23个月，我正重新夺回 人生的独立 每经AI快讯，京北方（SZ 002987，收盘价：20.41元）12月26日晚间发布公告称，公司于近日收到副总 经理颜志顺先生出具的《关于股份减持计划实施完成的告知函》，截至本公告披露日，颜志顺先生本次 股份减持计划已实施完成，颜志顺减持公司股份约1.78万股，减持股份占公司总股份为0.0021%。 2025年1至6月份，京北方的营业收入构成为：银行占比83.68%，非银金融占比8.91%，其他占比 7.41%。 ...

Group 1 - The core point of the article is that Jingbeifang plans to reduce its shareholding, with the Vice President intending to sell up to 17,800 shares, representing 0.0021% of the total share capital, within a specified period from December 17, 2025, to March 16, 2026 [1] - As of the report, Jingbeifang's market capitalization is 17 billion yuan [1] - The revenue composition for Jingbeifang from January to June 2025 shows that the banking sector accounts for 83.68%, non-banking financial services for 8.91%, and other sectors for 7.41% [1] Group 2 - Another company mentioned, which has recently gone public, is under investigation by the China Securities Regulatory Commission due to a significant loss exceeding 100 million yuan shortly after its listing [1] - The core product of this company has been severely impacted as its largest customer has reduced procurement by opting for self-supply [1]

2025年1至6月份，宇信科技的营业收入构成为：银行占比84.07%，其他占比9.14%，非银金融机构占比 6.79%。 每经AI快讯，宇信科技（SZ 300674，收盘价：21.85元）11月21日晚间发布公告称，公司股东宇琴鸿泰 减持公司股份约348万股，减持股份占公司总股份为0.49%。本次减持计划实施完毕。 每经头条（nbdtoutiao）——展望"十五五" | 专访黄群慧：既要重视AI赋能千行百业，也要考量其对就业 的替代效应和带来的收入极化 （记者 贾运可） 截至发稿，宇信科技市值为154亿元。 ...

Group 1 - The core point of the news is that Sifang Jingchuang's stock experienced a decline of 1.09% on November 18, with a trading volume of 5.09 billion yuan, indicating a negative sentiment in the market [1] - On the same day, Sifang Jingchuang had a financing buy-in amount of 43.00 million yuan and a financing repayment of 56.36 million yuan, resulting in a net financing buy of -13.35 million yuan [1] - As of November 18, the total balance of margin trading for Sifang Jingchuang was 1.21 billion yuan, with the financing balance accounting for 6.81% of the circulating market value, which is above the 50th percentile level over the past year [1] Group 2 - Sifang Jingchuang, established on November 21, 2003, and listed on May 27, 2015, provides comprehensive solutions for financial institutions, focusing on digital transformation and traditional business [2] - The company's revenue composition shows that software development and maintenance account for 95.86%, consulting services for 3.77%, and system integration for 0.36% [2] - For the period from January to September 2025, Sifang Jingchuang reported a revenue of 453 million yuan, a year-on-year decrease of 14.46%, while the net profit attributable to shareholders increased by 27.36% to 66.89 million yuan [2] Group 3 - Since its A-share listing, Sifang Jingchuang has distributed a total of 300 million yuan in dividends, with 117 million yuan distributed in the last three years [3] - As of September 30, 2025, the top ten circulating shareholders include notable institutional investors, with Huabao Zhongzheng Financial Technology Theme ETF being the third-largest shareholder, increasing its holdings by 3.34 million shares [3] - Other significant changes in holdings include a decrease of 35,100 shares by Southern Zhongzheng 1000 ETF and increases in holdings by several other funds, indicating active trading among institutional investors [3]

Core Insights - Shenzhou Information's stock increased by 5.02% on November 18, reaching a price of 19.89 CNY per share, with a trading volume of 2.194 billion CNY and a turnover rate of 11.59%, resulting in a total market capitalization of 19.408 billion CNY [1] Company Overview - Shenzhou Information Technology Service Group Co., Ltd. is located in Haidian District, Beijing, and was established on November 18, 1996, with its listing date on April 8, 1994 [1] - The company's main business includes financial innovation services, intelligent financial services based on 5iABCDs, and cross-industry integrated scenario financial services [1] - The revenue composition of the main business is as follows: software development and technical services 65.72%, system integration 34.22%, and others 0.06% [1] Shareholder Insights - Among the top ten circulating shareholders of Shenzhou Information, Huabao Fund's Huabao CSI Financial Technology Theme ETF (159851) increased its holdings by 4.6308 million shares in the third quarter, holding a total of 9.5053 million shares, which accounts for 0.98% of the circulating shares [2] - The estimated floating profit from this investment is approximately 9.03 million CNY [2] - The Huabao CSI Financial Technology Theme ETF was established on March 4, 2021, with a current scale of 12.319 billion CNY, yielding a return of 17.06% year-to-date, ranking 2998 out of 4212 in its category [2] Fund Manager Performance - The fund managers of Huabao CSI Financial Technology Theme ETF are Chen Jianhua and Cao Xucheng [3] - Chen Jianhua has a cumulative tenure of 12 years and 335 days, with the fund's total asset size at 27.702 billion CNY, achieving a best return of 174.21% and a worst return of -49.65% during his tenure [3] - Cao Xucheng has a tenure of 181 days, with the fund's total asset size at 35.182 billion CNY, achieving a best return of 77.15% and a worst return of -2.38% during his tenure [3]

Core Viewpoint - The company, Jingbeifang, reported that as of November 10, 2025, the number of shareholders reached 92,643 accounts, including combined credit accounts [1] Summary by Categories - **Shareholder Information** - The total number of shareholders is 92,643 accounts as of the specified date [1]

Summary of Key Points Core Viewpoint - The stock of Jingbeifang has shown a positive trend with a closing price of 21.32 yuan, reflecting a 2.01% increase on October 24, 2023, alongside significant block trading activity [1]. Trading Activity - A total of 14 block trades were executed, with a cumulative trading volume of 2.0225 million shares and a total transaction value of 38.0438 million yuan [1]. - The first three trades were executed at a price of 18.81 yuan per share, with each trade showing a discount (premium rate of -11.77%) compared to the closing price [1][2][3]. - Subsequent trades continued at the same price of 18.81 yuan, with similar discount rates and varying volumes, indicating consistent trading behavior [2][3][4]. Recent Performance - Over the past three months, Jingbeifang has recorded a total of 35 block trades, amounting to a cumulative transaction value of 107 million yuan [5]. - In the last five trading days, the stock has appreciated by 4.15%, although there has been a net outflow of 15.9595 million yuan from major funds [5].