XBIT Wallet 9月27日讯，美联储理事鲍曼在最新系列发言中强调"强烈支持美联储仅持有国债"并推动资 产负债表改革，这一政策信号正在深刻影响全球央行数字货币发展格局。在美联储货币政策框架重塑的 背景下，数字人民币钱包作为全球领先的央行数字货币基础设施，正迎来前所未有的发展机遇。 钱包安全问题在跨境场景下尤为关键。用户在使用数字人民币钱包进行国际交易时，必须确保私钥的绝 对安全。正确的助记词备份方法包括：将12个中文助记词按照正确顺序手写在防水防火的物理介质上， 分别存储在至少两个不同的安全位置，绝不能通过任何数字化方式保存。更重要的是，用户需要定期通 过钱包恢复功能验证助记词的有效性，确保在紧急情况下能够成功恢复钱包访问权限。 数字人民币钱包的技术架构在这一背景下显得尤为重要。作为央行数字货币的载体，数字人民币钱包的 私钥管理系统采用了国密算法SM2椭圆曲线加密技术，确保了256位私钥的绝对安全性。私钥是什么？ 简单来说，私钥是一个由随机数生成的独特数字签名，是用户控制数字资产的唯一凭证。在央行数字货 币体系中，私钥不仅代表着对数字人民币的控制权，更体现了国家货币主权在数字时代的技术实现。 XBIT ...

Core Viewpoint - The article highlights various promotional activities and benefits offered by China Construction Bank (CCB) through its mobile banking platform, aimed at enhancing customer engagement and increasing transaction volume. Group 1: Promotional Activities - CCB is offering a series of promotional activities from January 1, 2025, to December 31, 2025, including discounts on digital yuan payments, with some transactions enjoying as low as 10% of the original price [2]. - A specific promotion allows customers to receive rewards for WeChat transfers, where successful transactions over 3,888 yuan can enter a draw for monthly prizes [3]. - CCB is providing a limited-time offer where customers can purchase four transportation tickets for just 0.01 yuan, with a maximum discount of 1 yuan [4]. Group 2: Customer Incentives - Customers who bind their CCB cards to Douyin (TikTok) during the promotional period can receive various rewards, including cash red envelopes and payment discounts [7]. - New users binding their CCB cards for the first time on Meituan can receive a welcome package worth 130 yuan [10]. - CCB credit card users can earn up to 10,000 comprehensive points monthly through WeChat payments, with each 1 yuan spent earning 1 point [13]. Group 3: Utility Payment Promotions - From April 22, 2025, to December 31, 2025, customers can receive WeChat discounts ranging from 2 to 5 yuan when paying utility bills through the CCB app, provided the payment exceeds 30 yuan [20]. - In digital currency pilot areas, customers using digital yuan for utility payments over 50 yuan can randomly receive discounts between 2 to 10 yuan [23].

此次展台以"数智金融"为脉络，深度融合数字科技与现代金融元素，展示了建行积极拥抱数字变革，将 人工智能、大数据等前沿科技深度融入业务全链条，以科技之力提升金融服务的广度、精度，为高质量 发展注入澎湃动能。 9月10日至14日， 2025年中国国际服务贸易交易会（以下简称"服贸会"）在北京首钢园区开幕。中国建 设银行以"数智建行，共筑服务新生态"为主题，将展区打造成了可触、可感、可玩的数字金融体验空 间，科技感十足的互动体验背后，是建行服务实体经济的生动印证，展示了在建设金融强国、坚守"金 融为民"初心、服务实体经济等方面的新成果。 数智融合赋能新范式 科技金融展区展示了建行以"五维一体"科技金融体系，引导金融资源向科技创新领域集聚，切实提升科 技金融服务质效，推动实现高水平科技自立自强。绿色金融展区展现了建行在绿色信贷、ESG风险管理 等领域的创新实践。建行积极助力"绿色北京"战略，结合首都产业发展特点，着力支持重点行业和领域 节能、减污、降碳、增绿、防灾，为金融强国建设贡献绿色发展动能。 "您看，只需几分钟，企业主就能通过'惠懂你'APP获得初步授信额度。"在建行普惠金融展区，工作人 员正向参观者演示着4. ...

从"惠懂你"的精准滴灌到"健养安"的温情守护，从"虚拟数字人"的流畅对谈到"智能体检机器人"的快速 筛查；从"劳动者港湾"的暖心服务到"无障碍+适老化"的贴心关怀……在2025年中国国际服务贸易交易 会现场，中国建设银行展区打造了一个智能化金融创新的沉浸式平台，金融服务的未来图景正变得清晰 可触。 2025年是"十四五"规划的收官之年,也是进一步深化改革的重要一年。围绕本次服贸会"数智领航·服贸焕 新"的主题，建行展示了在建设金融强国、推动"五篇大文章"、服务实体经济等方面的新成果。今年建 行以"数智建行，共筑服务新生态"为主题，将展区打造成了可触、可感、可玩的数字金融体验空间。参 观者不仅能和虚拟数字人互动、在AI数字客户经理的指导下办理业务，能在"多彩消保数字化3D 展厅北 京馆"学习防诈骗知识，更可以亲身感受智能机器人带来的无创、快速体检。 科技感十足的互动体验背后，是建行坚守"金融为民"初心、服务实体经济的生动印证。同时，建行在支 持城市更新、金融服务"无障碍+适老化"、提升数字人民币消费体验、金融知识普及等方面，深刻诠释 了国有大行的使命与担当。 "跨境快贷-外贸贷"是建行为小微外贸企业打造的专属产 ...

Core Viewpoint - Postal Savings Bank of China is enhancing the governance of personal customer identity information for digital RMB, aiming to improve the security and compliance of digital RMB operations, marking significant progress in anti-money laundering efforts within the state-owned banking sector [1]. Group 1: Identity Information Verification - The bank will strictly verify the completeness and validity of personal customer identity information, including basic details such as name, gender, nationality, occupation, and detailed information like address, workplace address, and contact number [2]. - Identification document information will also be included in the verification process, covering document type, number, and expiration date [2]. - Customers with incomplete identity information will face restrictions, including reduced transaction limits for wallets lacking valid identification copies or those with expired documents over 90 days [2]. Group 2: Customer Cooperation and Information Update Mechanism - To ensure normal wallet functionality, the bank offers multiple channels for customers to update their information, including direct uploads via the digital RMB app and mobile banking client [3]. - Offline service channels are also available, allowing customers to visit any bank branch with valid identification for assistance in updating their information [3]. - Once customers provide complete and accurate information, wallet functionalities will be restored immediately, ensuring diverse customer needs are met through a multi-channel service model [3].

一天早上，一位老人手持证件来到农行济南凤凰支行，要求办理一类数字人民币钱包。看似常规的业务 申请，却在大堂经理的细致询问中露出破绽：老人不仅对数字人民币的基本概念、用途和操作一无所 知，被问及开通目的时更是言辞闪烁。 近日，农行济南凤凰支行工作人员凭借高度的警觉性和专业反诈素养，成功拦截一起针对老年人的数字 人民币诈骗案件，用实际行动筑牢金融安全"防火墙"。 "大爷，您先别急，咱们先聊聊这数字人民币到底是啥，可不能稀里糊涂办业务。"大堂经理一边耐心讲 解数字人民币知识，一边结合近期反诈案例，着重强调出租、出借账户的法律风险。在真诚引导下，老 人才吐露实情："老家说有笔大额补助，必须用数字人民币才能领，让我赶紧开通。" "政府补助直接打到银行卡就行，根本不用强制开数字人民币！这很可能是诈骗！"工作人员当即提醒 道，并用通俗的语言解析骗局套路。最终，老人恍然大悟，主动放弃了开户申请，连连感谢："多亏你 们提醒，不然我的养老钱可能就没了！" 此次成功劝阻，正是农行济南凤凰支行深耕反诈工作的缩影。一直以来，该行始终将客户资金安全放在 首位，通过常态化反诈宣传、全员专业培训，让"火眼金睛"成为每一位员工的标配。未来，该 ...

近日，一位女士来到农行济南泺源华联支行办理数字人民币钱包业务。大堂经理依照规定流程，为女士 开立二类钱包。然而，女士却强烈要求开立一类钱包，这一反常举动立刻引起了大堂经理的警觉。为避 免客户陷入潜在风险，大堂经理果断停止操作，并开始详细询问钱包的用途。 面对询问，女士言辞闪烁，坚称是国家要返还一笔巨款给她，还要求大堂经理不要过多询问。但大堂经 理并未被女士的言辞所左右，凭借丰富的反诈经验，他判断女士极有可能遭遇了诈骗。 为了让女士认清真相，大堂经理迅速找出近期发生的类似诈骗案例，向女士详细宣读讲解。他耐心地分 析诈骗分子的常见手段和话术，让女士逐渐意识到自己可能正身处骗局之中。 此次成功拦截诈骗事件，是农行济南泺源华联支行积极履行社会责任、守护客户资金安全的生动体现。 该支行始终将反诈工作放在重要位置，通过加强员工培训、普及反诈知识等方式，为客户构筑起一道坚 实的金融安全防线。未来，农行济南泺源华联支行将继续保持高度警惕，守护好每一位客户的"钱袋 子"。 在大堂经理的耐心劝导下，女士逐渐冷静下来，最终放弃了开立钱包的想法。她紧紧握住大堂经理的 手，眼中满是感激："多亏了你，不然我真的可能被骗了。" ...

【导读】上半年深圳市本外币各项存款余额达14.16万亿元！打造金融"活水"精准浇灌"深圳样本" 中国基金报记者郭玟君 7月22日，记者从人民银行深圳市分行（以下简称人行深圳分行）、国家外汇管理局深圳市分局举行的 2025年第二季度新闻发布会上获悉，截至2025年6月末，深圳市本外币各项存款余额达14.16万亿元，较 年初增长近6000亿元；本外币各项贷款余额达9.85万亿元，较年初增长超3500亿元。截至2025年6月 末，深圳民营经济贷款余额达4.26万亿元，较年初新增849.75亿元。 科创债规模达207.5亿元 打造金融"活水"精准浇灌"深圳样本" 据人行深圳分行相关负责人介绍，用好科技创新债券（以下简称科创债）风险分担工具，支持深圳企业 亮相债券市场"科技板"，落地"首批发行""首批注册""首批工具"。 截至2025年7月15日，人行深圳分行推动辖内立讯精密、中兴通讯、比亚迪等科技型企业和股权投资机 构共9家企业在银行间市场发行科创债14只，规模合计207.5亿元。 上述9家企业包括6家科技型企业：立讯精密、中兴通讯、比亚迪、中金岭南、光大环保、中集集团，及 3家股权投资机构：深投控、东方富海、招商局 ...

Core Insights - As of June 2025, the total balance of various deposits in Shenzhen reached 14.16 trillion yuan, an increase of nearly 600 billion yuan since the beginning of the year [1] - The balance of various loans in Shenzhen reached 9.85 trillion yuan, with an increase of over 350 billion yuan since the beginning of the year [1] - The balance of loans to the private economy in Shenzhen reached 4.26 trillion yuan, with a new addition of 849.75 billion yuan [1] Financial Innovations - The scale of technology innovation bonds (referred to as "科创债") reached 20.75 billion yuan, with 14 bonds issued by 9 enterprises including major tech firms [3] - The People's Bank of China Shenzhen Branch has facilitated the issuance of technology innovation bonds, providing a model for financial support in the tech sector [3] - In the first half of 2025, 102 enterprises signed agreements for "腾飞贷" totaling 3.6 billion yuan, while "科技初创通" helped 3,761 enterprises secure loans amounting to 4.84 billion yuan [3] Cross-Border Transactions - In the first half of 2025, the number of foreign card transactions via WeChat Pay increased by 1.6 times, with nearly 2 million foreign users binding their cards [5] - Foreign personnel in Shenzhen conducted 85.8754 million non-cash payment transactions totaling 11.81 billion yuan, marking increases of 29% and 35% respectively [5] - The cross-border RMB payment amount reached 27.6328 trillion yuan, a year-on-year increase of 24.3%, with goods trade accounting for 5.5128 trillion yuan of this total [6] Digital Finance Development - The Shenzhen local credit platform launched over 50 credit products, enabling enterprises to secure financing of 574.4 billion yuan [8] - The digital RMB pilot program has seen nearly 30 million digital wallets opened, with pre-paid funds management reaching nearly 3.1 billion yuan [8] - Shenzhen is advancing the application of a multi-central bank digital currency bridge in cross-border transactions, successfully executing the first transaction involving "bulk commodity trading + multi-central bank digital currency bridge" [8]

Group 1 - The new regulations for algorithmic trading in the Shanghai, Shenzhen, and Beijing stock exchanges have been implemented to enhance the supervision of high-frequency trading, requiring investors to report account and strategy information in advance [1] - The Industrial and Commercial Bank of China is upgrading its core system, which will temporarily suspend certain services, aiming to optimize cross-border payment and risk control functions [1] - The State-owned Assets Supervision and Administration Commission has set brand-building goals for central enterprises, aiming for significant brand value enhancement by 2030 and the emergence of globally recognized brands by 2035 [1] - The banking sector has seen strong performance driven by capital migration, with major banks' stock prices reaching new highs despite a slight decline in net profit in Q1 [1] Group 2 - The first batch of technology innovation bond ETFs has been issued, raising over 20 billion yuan in a single day, focusing on providing low-volatility, high-liquidity fixed-income investment tools [2] - The People's Bank of China will hold a press conference to discuss the financial data for the first half of the year, with a focus on social financing scale and credit structure [2] - A joint opinion has been issued to support consumption through financial measures, including optimizing consumer credit policies and increasing auto finance penetration [2] - Several banks are phasing out direct banking apps, reflecting a shift in the banking industry from channel expansion to deeper ecosystem development [2] Group 3 - The deputy general manager of the wealth management department at Citic Bank is under investigation for serious violations of discipline and law [3] Group 4 - Postal Savings Bank has received its first fine since establishment for violating clearing management regulations, with significant losses reported and a rising non-performing loan ratio [4] - The "pension loan" product launched by several rural commercial banks in Hunan has been suspended due to compliance concerns, highlighting the need for clear regulatory frameworks in financial innovations [5]