"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 ...

（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 digital RMB smart contracts in Chengdu marks a new model for ensuring wage payments for migrant workers, enhancing financial security and efficiency in the payment process [1][5]. Group 1: Digital RMB for Wage Payments - The first application of digital RMB for wage payments has been successfully executed, providing a secure and efficient method for migrant workers to receive their salaries [1][5]. - Migrant worker Wang Tonglin expressed satisfaction with the digital RMB system, highlighting the convenience of accessing wages directly through a mobile wallet without needing to visit a bank [3]. - The digital RMB smart contract functions as an "intelligent digital contract," automating payment processes and ensuring funds are used specifically for their intended purpose, thus preventing misuse [5][7]. Group 2: Broader Applications of Digital RMB Smart Contracts - Beyond wage payments, digital RMB smart contracts can address issues in prepaid consumption, protecting consumers from potential losses when businesses fail [5][11]. - In prepaid funding management, the smart contract ensures that funds remain with the consumer until specific conditions are met, allowing for automatic refunds if services are not rendered [9][11]. - The innovative model of "pay once, consume once" transforms traditional prepaid systems, enhancing consumer protection and providing a new governance path for the prepaid industry [11][15]. Group 3: Future Prospects of Digital RMB Smart Contracts - The application of digital RMB smart contracts extends to various sectors, including consumer subsidies and supply chain finance, showcasing its versatility [13][15]. - Smart contracts can facilitate targeted consumer subsidies by automatically verifying eligibility based on government data, thus improving the efficiency of fund distribution [15]. - As of January 2026, digital RMB smart contracts have been piloted in multiple areas, with a total of 486,400 contracts signed and a transaction amount of 316 million yuan [17].

本文字数：2433，阅读时长大约4分钟 作者 | 第一财经 杜川 "看到工资'秒到'钱包，特别高兴。"农民工王同林在成都市收到数字人民币工资后表示。喜悦背后， 是数字人民币智能合约带来的全流程刚性保障。 2月6日，在中国人民银行指导下，数字人民币运营管理中心协调业务运营机构，在成都落地全国首 单数字人民币智能合约农民工工资发放业务。数字人民币智能合约再添新场景。 长期以来，传统农民工工资发放模式存在环节多、链条长、监管难、风险高等问题，资金拖欠现象时 有发生，农民工工资按时足额发放，事关广大农民工切身利益和民生福祉。此次全国首单数字人民币 智能合约农民工工资发放业务的落地，为解决工程领域薪酬保障难题提供了全新路径。 智能合约守护农民工"钱袋子" 2026.02. 11 与传统农民工工资发放方式相比，通过数字人民币智能合约发薪实现了工资自动发放、资金定向兑 付、全程不可截留，从源头上化解了农民工工资发放中的诸多顾虑。 四川省住房和城乡建设厅副厅长程刚表示，数字人民币保障农民工工资支付场景在成都首发落地，是 一项科技赋能民生保障的重大创新举措。 数字人民币智能合约农民工工资发放新场景的落地，标志着数字人民币智能合 ...

Core Insights - The introduction of digital RMB smart contracts for wage payments to migrant workers represents a significant innovation in ensuring timely and full salary disbursement, addressing long-standing issues in traditional payment methods [1][2]. Group 1: Digital RMB Smart Contracts Implementation - The first nationwide implementation of digital RMB smart contracts for migrant worker salary payments occurred in Chengdu, providing a new pathway to solve wage payment challenges in the construction sector [1][2]. - The digital RMB smart contract system allows for automatic salary disbursement, targeted fund allocation, and full traceability, effectively mitigating concerns related to wage payments [2][3]. Group 2: Technological and Collaborative Innovations - The successful application of digital RMB smart contracts in wage payments is attributed to collaborative efforts and technological innovations, with the Bank of Communications facilitating the process through a dedicated digital RMB wallet and smart contract system [2][3]. - The "Anxin Zhu" platform developed by a local company provides accurate business data, enhancing the precision of wage payments and addressing issues such as mismanagement and lack of transparency in traditional payroll systems [3]. Group 3: Broader Applications and Future Prospects - Digital RMB smart contracts have been piloted in various fields beyond wage payments, including prepaid fund management and supply chain finance, with a total of 486,400 contracts signed and a transaction amount of 316 million yuan as of January 2026 [4]. - The smart contracts can automatically execute fund transfers based on predefined conditions, ensuring that funds are used appropriately and reducing the risk of misuse [5][6]. - Future applications of digital RMB smart contracts are expected to expand, with ongoing innovations aimed at enhancing financial services and governance, supported by the establishment of blockchain service platforms [6].

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]

Core Insights - The first digital RMB smart contract for wage payment to migrant workers has been successfully implemented in Chengdu, Sichuan, under the guidance of the People's Bank of China, marking a new model for digital finance and inclusive finance [1] Group 1: Digital RMB Smart Contract Implementation - The digital RMB smart contract utilizes a digital ecosystem service platform to automate and enforce wage payments, eliminating human intervention and supporting cross-institutional interoperability [1] - As of January 2026, the digital RMB smart contract has been piloted in areas such as prepaid fund management, supply chain finance, corporate group financial management, and subsidy distribution, with a total of 486,400 contracts signed and a cumulative transaction amount of 316 million yuan [1] Group 2: Future Developments - The Digital RMB Operations Management Center plans to continuously enhance system services and promote existing models while collaborating with member banks to innovate applications of digital RMB smart contracts [2] - The initiative aims to provide more intelligent services for industry development and social governance, supporting the construction of the financial "five major articles" [2]

"看到工资'秒到'自己的钱包，感到非常高兴，孩子老人都在家里盼着，我等会儿就去买点年货带回 家。"2月6日，在四川省成都市，农民工王同林收到了一笔数字人民币工资。 拿到工资的王同林难掩喜悦，他对《金融时报》记者表示："不用去银行，手机上就能开通数字人民币 钱包，用起来也挺简单的，看到工资'秒到'钱包，特别高兴。"对比传统发薪方式，王同林直言心里更 踏实了，"以前总担心发工资的事，现在钱直接发到自己手机里，谁也碰不到，工资明细还清清楚楚， 希望未来有更多项目能用数字人民币发钱。" 那么，为什么要用数字人民币给农民工发工资？对此，有行业观察人士分析表示，以前农民工讨薪难、 工资被拖欠的事不少见，现在这个新办法就是给农民工工资上个"保险"，保障农民工能顺利拿到工资， 实打实解决民生难题。 作为本次合作的平台方，一智科技是一家专注于建筑领域数智化创新的科技企业，首席执行官文凌对 《金融时报》记者说："我们深谙传统建筑行业'人卡分离、造表发薪、糊涂账多'带来的一系列隐患， 希望通过科技手段，创新农民工工资支付监管方式，叠加数字人民币智能合约的资金管理优势，为根治 欠薪提供新的解决方案。" 那么，数字人民币智能合约究竟如 ...