"齐鲁农超"与工商银行数字人民币的业务合作,在线上小程序及线下巡展活动中实现了针对全民的满减 优惠政策,进一步推广方便快捷的数字人民币支付方式。 "文旅+农业"的创新模式,不仅拓宽了特色农产品销售渠道,也为山东省农文旅深度融合发展探索出新路 径,成为"齐鲁农超"平台的一大特色和优势。 "从田间地头的大棚到上海的高端商场,从明水古城的文化市集到现代化的超市货架,'齐鲁农超'正以其创 新模式,将山东好品源源不断地输送到全国乃至全球市场。"李琪认为,"齐鲁农超"通过"巡展+体验+销 售"的模式,不仅打通了农产品上行的通道,更打造了山东农业品牌。这条从田间到全球的畅行之路,不仅 展现了山东农业的高品质实力,更为中国农产品走出去提供了可借鉴的山东方案。 记者于泊升边艺 除了将农产品从田间地头推向市场,在打开销路的同时,"齐鲁农超"也注重与本地文旅融合。 7月25日至27日,"齐鲁农超.清照好物"夏日市集在济南市章丘区明水古城童趣广场举行。这场由明水古城 与"齐鲁农超"共同打造的活动,以"清照文化+山东农产"为主线,创新"文旅+农业"融合模式。 这次合作是文旅与农业资源的"双向奔赴"。明水古城作为山东省文旅融合标杆项目, ...

Core Viewpoint - The Hunan Provincial Government has issued an implementation opinion to accelerate the reform of the chain debt repayment mechanism and explore the application of digital renminbi in this context, aiming to enhance economic development through innovative financial solutions [1][2]. Group 1: Chain Debt Repayment Mechanism - Chain debt refers to receivables and payables between government agencies, public institutions, state-owned enterprises, and private enterprises that exceed conventional aging limits and lack effective repayment mechanisms [2]. - The Hunan Provincial Financial Office has initiated efforts to construct a chain debt repayment mechanism, focusing on strengthening repayment measures and seeking policy support for special bonds [2]. - The implementation opinion emphasizes the need to accelerate the reform of the chain debt repayment mechanism and explore the application of digital renminbi to establish a direct funding model [1][2]. Group 2: Digital Renminbi Application - Hunan Province is actively expanding the application scenarios of digital renminbi, enhancing merchant coverage, upgrading acceptance devices, and improving user experience [3]. - As of the end of June, the number of merchants participating in the digital renminbi pilot in Changsha reached 560,000, with cumulative transactions exceeding 200 million and a total amount of over 46.2 billion yuan [4]. - The successful implementation of digital renminbi for salary payments in provincial budget units in Fuzhou marks a significant advancement in the application of digital currency, enhancing payment efficiency and ensuring the safety of fund transfers [5][6].

湖南省委金融办在会议上对《关于探索构建连环债清偿机制的实施方案》进行了详细讲解，同时也列出下一步工作推进 重点，其中就包括"强化清偿措施"，积极争取专项债等政策支持，加大金融工具创新力度，不断拓宽清偿资金渠道，力 促形成可复制、可借鉴、可推广的清偿模式。 如今，《意见》明确提出，加快推进连环债清偿改革工作，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。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。 今年7月末，湖南省政府新闻办举行的2025年上半年湖南省金融运行情况新闻发布会上透露，在拓展数字人民币应用方 面，湖南省持续探索创新应用场景，积极拓展商户覆盖，推动受理设备升级，加强商户培训，改善用户体验。 今年8月份，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》（以下简 称《意见》）。 《意见》指出，加快推进连环债清偿改革工作，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。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。 新应用场景探索 据了解，连环债是机关、 ...

早 报 精 选 | 4、超20家钛白粉生产企业宣布涨价。 | | --- | | 5、DeepSeek-V3.1正式发布。 | 宏 观 新 闻 1、 外交部发言人毛宁昨日主持例行记者会，有记者称，美国军舰在加勒比海岸巡逻，并且可能以打击毒品为借口动用武力。毛宁表 示，中方反对在国际关系中使用或威胁使用武力，反对外部势力以任何借口干涉委内瑞拉内政，希望美方多做有利于拉美和加勒比地 区和平与安全的事情。 2、美国白宫发表与欧盟的联合声明称，美国与欧盟已就一项贸易协定的框架达成一致。欧盟方面随后也发表了联合声明。声明明 确，欧盟采购美国能源产品，包括液化天然气、石油与核能产品，预计2028年承购额将达到7500亿美元。此外，欧盟承诺采购至少 价值400亿美元的美国人工智能芯片用于欧洲数据中心的建设。声明预计，在2028年前，欧洲企业将在美国战略性领域额外投资 6000亿美元。此外，欧盟还计划大幅增加从美国采购军事和国防装备。 3、从地方透露信息来看，新型政策性金融工具的资金规模为5000亿元，重点投向新兴产业、基础设施等领域，具体包括数字经济、 人工智能、低空经济、消费领域、绿色低碳、农业农村、交通物流、城市基础设 ...

Market Performance - The Shanghai Composite Index rose by 0.13% to 3771.1 points, while the Shenzhen Component Index fell by 0.06% to 11919.76 points, and the ChiNext Index decreased by 0.47% to 2595.47 points. The STAR Market 50 Index increased by 0.09% to 1149.15 points. The total trading volume in the Shanghai and Shenzhen markets reached 24240.57 billion yuan [1]. Sector Movements - Digital currency concept stocks showed strong performance, with companies like Yuyin Co., Ltd. hitting the daily limit. The photovoltaic sector was also active, with companies such as Beibo Co., Ltd. reaching the daily limit [1]. Notable Stocks - Several stocks related to the photovoltaic sector, such as Shimao Energy and Zhangzhou Development, achieved daily limit gains due to factors like waste incineration power generation and state-owned enterprise reforms [6]. - Digital currency-related stocks like Tianrongxin and Sanwei Xinan also saw daily limit gains, driven by developments in digital currency and AI security [6]. Industry Insights - According to a report from CITIC Securities, central bank digital currencies (CBDCs) have advantages over traditional electronic payments, private cryptocurrencies, and stablecoins, including sovereign credit backing, strong scalability, good privacy, low costs, and fast transactions. The digital yuan possesses these advantages and has promising applications in programmability, smart contracts, cross-border payments, and promoting the internationalization of the yuan [7].

一、【早盘盘面回顾】 智通财经8月21日讯，市场早盘震荡分化，沪指小幅上涨，创业板指探底回升。沪深两市半日成交额 1.57万亿，较上个交易日放量591亿。盘面上热点较为杂乱，个股上涨和下跌家数基本相当。从板块来 看，数字货币概念股集体大涨，御银股份等多股涨停。油气股震荡走强，准油股份涨停。存储芯片概念 股局部活跃，兆易创新涨停。下跌方面，液冷服务器等AI硬件股集体大跌，飞龙股份跌停。截至收 盘，沪指涨0.35%，深成指涨0.45%，创业板指涨0.21%。 个股来看，今日早盘涨停数量为41家（不包括ST及未开板新股），封板率为73%，连板股数量为9家， 科森科技5连板，园林股份4连板，御银股份、世茂能源3连板，仁和药业、成飞集成、日丰股份、华升 股份、汇嘉时代2连板。 板块上，数字货币概念股涨幅居前，三未信安、新晨科技、中油资本、御银股份、翠微股份等个股涨 停。 | 中信证券研报指出，与传统电子支付、私人加密货币、稳定币以及Libra相比，央行数字货币具有主权 | | --- | 信用背书、可扩展性强、隐私性好、成本低交易快、清算风险低等多种优势。数字人民币具备这些优 点，并在更高水准完成传统货币职能基础上，在 ...

Core Viewpoint - The suspension of cryptocurrency lending by the South Korean Financial Services Commission (FSC) highlights the regulatory challenges and innovations in the global cryptocurrency market, particularly reflecting the differing practices among South Korea, the U.S., and China in crypto regulation [1][6]. Group 1: Market Dynamics - Since the legalization of virtual asset trading in South Korea in 2021, major exchanges have introduced lending products with annual yields ranging from 12% to 20%, with Bithumb's "staking mining" service attracting 300,000 simultaneous users [3]. - The global cryptocurrency lending market has seen similar trends, with BlockFi managing over $10 billion in crypto assets in 2021, offering products with an 8% annual yield that attracted millions of users [3]. - The collapse of FTX in 2022 exposed significant risks due to regulatory gaps, leading to BlockFi filing for bankruptcy and freezing assets for thousands of investors [3]. Group 2: Regulatory Environment - The FSC's new guidelines require exchanges to separate customer assets from their own funds, limit lending leverage to 1:3, and disclose collateral risk exposure daily [6]. - Approximately 68% of lending platforms in South Korea lack a qualified investor identification mechanism, and 19% of projects face risks related to mixed funds [4]. - The U.S. Treasury reported that over 80% of crypto lending platforms did not comply with anti-money laundering regulations [4]. Group 3: Comparative Regulatory Approaches - South Korea's regulatory approach is characterized by gradual compliance modifications, balancing market stability with innovation opportunities [7]. - China's regulatory path emphasizes "technology first + comprehensive control," with the digital yuan trial covering 230 million users and blockchain technology leading in supply chain finance applications [6][7]. - The U.S. regulatory environment is marked by litigation that strengthens rule enforcement, although legal uncertainties still hinder institutional investment [7]. Group 4: Technological Innovations - XBIT's decentralized exchange platform utilizes blockchain technology for transparency, allowing users to monitor collateral rates and fund flows in real-time, enhancing anti-money laundering and transparency capabilities [3][9]. - The implementation of a blockchain monitoring system by the FSC can track cross-exchange fund flows with a 92% accuracy rate for detecting money laundering activities [7]. - XBIT's modular design allows for quick adaptation to different regulatory requirements, ensuring user assets are controlled by smart contracts and minimizing risks associated with centralized platforms [9].

Core Viewpoint - The announcement from the Shanghai branch of Bank of Communications emphasizes the need to strengthen the verification of personal customer identity information for digital renminbi wallets to prevent money laundering and ensure financial security [1][3]. Group 1: Strengthening Identity Verification - The bank will implement measures such as downgrading wallets to anonymous status and restricting financial services for customers with incomplete identity information or expired identification documents [2][4]. - The verification process includes checking the customer's name, gender, nationality, contact number, type of identification document, number, and validity period [3][4]. - Similar announcements have been made by other branches of Bank of Communications, indicating a broader initiative across the bank [3]. Group 2: Legal and Regulatory Compliance - The actions taken by the bank are in accordance with various laws and regulations, including the Anti-Money Laundering Law of the People's Republic of China and guidelines for anti-money laundering and counter-terrorism financing related to digital renminbi [3][4]. - The bank aims to enhance the quality of account management and protect user rights while maintaining financial order [5][7]. Group 3: Risks of Digital Currency - The rise of digital renminbi has attracted attention from various demographics, including tourists and students, but it also poses risks of misuse by criminals for money laundering and terrorist financing [5][6]. - A case was highlighted where a criminal group exploited digital renminbi accounts to withdraw over 10 million yuan, indicating the potential for abuse [5][6]. - The bank's initiative to verify identity information is seen as a necessary step to mitigate these risks and ensure the safe development of digital currency [7].

Group 1 - The 2025 China International Service Trade Fair's financial services section will be held from September 10 to September 14 in Beijing, focusing on the theme "Digital Intelligence Drives Open Win-Win" [1] - The financial services section aims to create four major platforms: global financial innovation product and service display, important policy and industry rule release, partner negotiation, and cutting-edge financial experience [1] - A total of 92 companies will participate in the exhibition, including 68 from the Fortune Global 500, with a 45.7% internationalization rate [1] Group 2 - Major financial institutions such as Industrial and Commercial Bank of China, Bank of China, and Beijing Bank will showcase innovative products in the field of fintech [2] - Industrial and Commercial Bank will display a trillion-level financial model, while Beijing Bank will present an interactive digital robot to demonstrate various financial services [2] - A digital RMB immersive experience area of nearly 1,000 square meters will be created, featuring a collaborative exhibition matrix from multiple banks to showcase "Digital RMB+" innovations [2] Group 3 - The financial services section will emphasize experiential activities, with interactive events designed to engage the public [3] - China Minsheng Bank will introduce fun activities such as stamp collection and interactive games to enhance the audience's experience of financial innovation [3] - Traffic Bank will feature creative displays and promotional activities to allow visitors to experience the vitality of a century-old financial brand [3]

Group 1 - The 2025 China International Service Trade Fair Financial Services Special will be held from September 10 to September 14 in Beijing, focusing on the theme "Digital Intelligence Drives Open Win-Win" [1] - The financial services section will feature 92 participating companies, including 68 from the Fortune Global 500, with a 45.7% internationalization rate [1] - The exhibition area will cover 11,000 square meters, divided into two main thematic exhibition areas: "Open Integration" and "Intelligent Sharing" [2] Group 2 - The "Open Integration" area will showcase achievements in building a strong financial nation and expanding financial services to the real economy [2] - The "Intelligent Sharing" area will focus on deep cooperation between financial institutions and leading technology companies, highlighting innovative applications of technology in finance [2] - The exhibition will incorporate AI technology to enhance interactive experiences, creating an immersive platform for financial innovation [2] Group 3 - A digital RMB experience area of nearly 1,000 square meters will be created, featuring a collaborative display matrix from various banks to showcase "Digital RMB+" innovations [3] - The event aims to foster collaboration among domestic and international financial institutions, reflecting the exploration and breakthroughs in China's financial industry under digital and intelligent development trends [3]