拉卡拉：支付生态核心标的，公司提供适配数字人民币功能的终端设备与服务，深度参与数字人民币场 景拓展。 新国都：公司专注于支付终端设备研发与销售，为数字人民币落地提供硬件支持。其智能POS机、自助 终端等产品已适配数字人民币支付功能。 其指出，区块链技术的分布式账本特性实现了跨境支付"支付即合规"，统一账本让交易从"链路黑箱"变 为可验证的价值网络，DLT技术使跨境支付成本降至0.1%-1%，远低于传统模式5%-10%的费率。数字 人民币与区块链的结合，正在重构全球跨境支付底层框架。 产业链方面，上游受益于银行IT系统改造与钱包技术开发需求，中游聚焦系统适配与跨链技术服务，下 游终端设备升级与支付场景拓展成为核心增长点，全产业链将持续释放红利。 据上市公司公告、互动平台及券商研报表示， 24日，中国人民银行等八部门印发《关于金融支持加快西部陆海新通道建设的意见》。《意见》提出， 扩大人民币跨境使用。加强与东南亚、中亚地区国家的双边货币合作，为人民币跨境使用创造支持条 件，支持探索推进内地与新加坡数字人民币跨境支付试点。 数字人民币作为央行发行的法定货币，采用"中心化管理+双层运营"模式，支持离线支付与松耦合账户 ...

Summary of Key Points from Conference Call Records Industry Overview - The Chinese smart hospital industry is transitioning from a tool revolution to an ecological revolution driven by AI technology, which enhances medical service intelligence but faces challenges such as data acquisition difficulties and regional application imbalances [1][4] - The global smart hospital industry relies on deep penetration of AI technology to empower the healthcare sector, aiming to improve diagnostic efficiency and service quality while addressing resource shortages and aging populations [2] Core Insights and Arguments - AI large models have restructured the traditional AI medical framework, evolving from a simple structure to a multi-modal era that integrates various data types for comprehensive medical assistance [1][6] - The penetration rates of AI applications in economically developed regions significantly exceed those in less developed areas, with outpatient dispensing machines at 57.18% in developed regions compared to 28.38% in moderately developed regions [4] - The automated pharmacy market in China is projected to grow from 196.7 billion yuan in 2022 to 458 billion yuan by 2027, driven by new healthcare infrastructure policies and the pursuit of operational efficiency [13][14] Market Dynamics - The automated pharmacy market is segmented into hospital end, chain pharmacies, and centralized compounding centers, with the hospital end being the core segment, expected to reach 319.69 billion yuan by 2027 [15] - The penetration rates of automated pharmacies vary significantly across hospital tiers, with tertiary hospitals expected to reach 65% penetration by 2027, while secondary and primary hospitals lag behind [16] Competitive Landscape - The hospital information technology sector is highly competitive, with companies like Weining Health and Yilianzhong leading the market, focusing on various core areas such as HIS systems and public health management [17] - In the automated pharmacy sector, companies like Jianhui Information and Ailong Technology dominate, leveraging comprehensive coverage and customized solutions to maintain competitive advantages [18] Challenges and Opportunities - The smart hospital industry faces challenges in acquiring standardized and structured data, which remains a core pain point [2][4] - Despite a decline in overall investment enthusiasm since 2022, the AI healthcare sector continues to attract significant capital, indicating a focus on actual profitability and technological implementation [5] Additional Insights - Self-service terminals in hospitals have high usage rates for functions like report printing (84%) and payment (82.3%), significantly improving patient experience and operational efficiency [9] - Smart medical record management enhances service efficiency by digitizing traditional paper records, reducing resource consumption and improving data accessibility [11] Future Directions - The automated pharmacy industry is expected to evolve towards standardization and intelligence, with companies focusing on product innovation and expanding channel systems to maintain market share [19][20]

Core Insights - The rapid expansion of educational smart hardware is reshaping the organization of education, with hardware becoming a key entry point for learning across family, school, and community settings [1][12] - Recent funding of 200 million yuan in Pre-A round for Lingyuzhou highlights the trend of AI learning companions breaking through with scenario-based interactions [1][3] Family Segment - The family segment has seen the earliest and most concentrated changes, evolving from basic tools to comprehensive learning systems that address emotional support and cognitive development [1][2] - AI learning machines and tablets are integrating textbook synchronization, diagnostic exercises, and intelligent explanations, providing a complete learning path for families [2] - Specialized tools for specific subjects are rapidly gaining popularity, reflecting the shift from traditional to intelligent tools along the lines of "learning actions - function disassembly - technology reorganization" [2][3] School Segment - The transformation of educational hardware in schools is evident as it evolves from traditional tools to system-level facilities, enhancing teaching and management processes [6][8] - Smart blackboards and interactive devices are now central to classroom organization, enabling content access, interactive exercises, and real-time feedback [6][7] - The integration of smart grading devices and XR/VR teaching tools is reshaping the teaching process, allowing for quantifiable teaching behaviors and expanded understanding of abstract concepts [6][8] Community Segment - Community smart hardware must balance accessibility and low barriers while integrating educational functions [9][10] - Devices like smart reading machines and interactive whiteboards address the need for light educational experiences when parents cannot accompany their children [10] - Community education hardware is evolving from mere tools to comprehensive learning support systems, enhancing public education functions [11][12] Overall Trends - The evolution of educational smart hardware across family, school, and community settings signifies a shift from isolated tools to a cohesive learning support network [12] - The future competitiveness of educational hardware will focus on "scene adaptability" and "ecological synergy," enabling seamless data sharing and service integration across different educational environments [12]

Core Viewpoint - Shenzhen Rural Commercial Bank announced a system upgrade scheduled for September 20, 2025, to enhance financial services, which will temporarily suspend various banking operations [1] Group 1: System Upgrade Details - The system upgrade will take place on September 20, 2025, from 00:30 to 02:30 and again from 04:30 to 06:30 [1] - During the upgrade, all banking services including ATM, POS, self-service terminals, telephone banking, online banking, mobile banking, fund transfers, card network payments, and other services will be suspended [1] - Customer service hotlines will remain available for manual consultation during the upgrade period [1] Group 2: Customer Advisory - Customers are advised to plan their banking activities accordingly due to the temporary suspension of services [1] - The bank expresses apologies for any inconvenience caused and encourages customers to reach out to local branches or customer service for further inquiries [1]