Core Viewpoint - The article emphasizes the importance of rational investment and warns against the allure of "high returns," which often come with high risks and potential scams [1] Group 1: Investment Risks - High returns are often associated with hidden risks and can be part of well-crafted scams [1] - Many investors have lost money due to promises of guaranteed returns, such as "no risk" or "monthly returns of 10%" [1] Group 2: Investor Education - The Zhejiang Investor Education Base promotes the idea that communication creates value, focusing on interactive investor relations [1] - The organization explores the "Internet + Investor Education" model, combining online and offline methods to make investor education services more accessible [1]

Core Insights - The digital RMB has been gradually introduced since 2019, with significant milestones including the launch of the digital RMB app in 2022 and the establishment of 225 million personal wallets by September 2025, facilitating transactions totaling 14.2 trillion yuan [1][4] - Starting in 2026, the digital RMB will undergo a major transformation, with the implementation of a new management and operational framework, marking a significant shift towards widespread adoption and usage [4] - The digital RMB will be integrated into deposit insurance, allowing users to earn interest on their digital currency deposits and providing enhanced security and convenience in transactions [7][9] Digital RMB Features - Users can access digital RMB without internet connectivity, similar to cash, and can transfer funds between their digital RMB accounts and traditional bank accounts [7][9] - The digital RMB will support both hard wallets and soft wallets, with the latter being accessible through various applications, enhancing user flexibility [9] - Enhanced cross-border payment capabilities will be introduced, making international transactions easier and faster for individuals and businesses engaged in trade [10] Future Implications - The digital RMB is expected to become the predominant form of currency, reducing the reliance on physical cash and transforming the monetary landscape [4] - The integration of digital RMB into the banking system will allow for various financial activities, including savings, investments, and payments, streamlining the user experience [10]

据悉，我国数字人相关企业已超114万家。有测算显示，2025年我国数字人产业规模突破400亿元，带动 周边产业规模超6000亿元。 本次拟制定的标准可以实现问题数字人信息的快速追溯，有利于行业监管；可以精准定位违法违规责任 主体，降低欺诈风险；可以建立统一的数字人身份标识认证体系，推动产业向规范化、集群化、精细化 发展。 基于此标准，境内所有用于商业和传播用途的数字人将实现"一人一码"，将有助于减少和防范数字人相 关安全风险，推动数字人产业健康有序发展，维护数字人企业合法权益，营造风清气正的网络环境。 工业和信息化部23日发布通知，将公开征求《元宇宙 分类与标识 数字人身份标识要求》强制性国家标 准制修订计划项目意见。本次拟制定的标准将规定数字人身份标识的标识体系及注册、管理、标识要 求。 近年来，我国数字人产业发展迅速，数字人已广泛用于表演主持、电商直播、品牌营销、客户服务、教 育培训等领域。然而，由于缺乏有效的数字人身份标识管理机制，不法分子通过盗用或仿冒他人数字人 形象，制作、发布和传播违法不良信息，诋毁和贬损他人名誉；部分数字人缺少内容过滤机制和安全护 栏，生成与事实不符的内容。 ...

Core Viewpoint - The Ministry of Industry and Information Technology of China plans to establish mandatory national standards for digital human identity identification, aiming to regulate the digital human industry and enhance management mechanisms to prevent misuse and fraud [1][2]. Group 1: Regulatory Standards - The proposed standard will define the identification system, registration, management, and identification requirements for digital human identities [1]. - The standard aims to facilitate rapid tracing of problematic digital human information, aiding industry regulation and reducing fraud risks [1]. Group 2: Industry Growth and Impact - The digital human industry in China has seen rapid growth, with over 1.14 million related enterprises established [2]. - Projections indicate that by 2025, the scale of China's digital human industry will exceed 40 billion yuan, driving surrounding industries to surpass 600 billion yuan [2]. Group 3: Security and Compliance - The standard will implement a "one person, one code" system for all digital humans used for commercial and communication purposes, which will help mitigate security risks associated with digital humans [1]. - Establishing a unified digital human identity certification system will promote the standardized, clustered, and refined development of the industry [1].

Group 1 - The Ministry of Industry and Information Technology of China has announced a public consultation for the mandatory national standard on "Classification and Identification Requirements for Digital Human Identity" [1] - The proposed standard aims to establish a management mechanism for digital human identity, addressing issues such as identity theft and the dissemination of illegal information [1] - The standard will facilitate rapid tracing of problematic digital human information, enhance industry regulation, and reduce fraud risks by creating a unified digital human identity certification system [1] Group 2 - There are over 1.14 million companies related to the digital human industry in China [2] - It is projected that by 2025, the scale of China's digital human industry will exceed 40 billion yuan, driving the surrounding industry scale to over 600 billion yuan [2]

证券日报网讯1月23日，新国都（300130）在互动平台回答投资者提问时表示，公司一直密切关注数字 人民币、跨境支付相关政策和业务场景创新方向，基于监管框架，积极储备产品、技术和合规等相关能 力，寻求业务发展机会。近年来公司持续加强旗下跨境支付品牌PayKKa的资源投入、产品研发和银行 资金渠道建设。收款业务方面，公司持续优化B2B跨境贸易收款、B2C跨境电商收款产品能力，不断加 强各个国家本地账户建设，本地账户区域覆盖美国、加拿大、英国、欧盟、澳大利亚、新加坡、中国香 港、印尼、菲律宾、泰国、越南等主要国家和区域，同时开通罗马尼亚列伊(RON)、捷克克朗(CZK)、 波兰兹罗提(PLN)和匈牙利福林(HUF)等欧洲小币种收款；PayKKa还成功帮助客户在Amazon、Etsy、 Lazada、Shopee、TikTok等全球主流电商平台收款；收单业务方面，公司独立站全球收单产品上线，不 断加强和收单行、收单机构合作。针对国内数字人民币的受理场景，公司能够提供多种场景下的数字人 民币受理解决方案，例如聚合支付码牌、数币收款码牌、POS扫描数币付款码等。 ...

Core Insights - JD Group's CEO Xu Ran revealed that by 2025, the search volume related to "AI" on JD's platform is expected to increase over 100 times year-on-year, marking 2025 as the "explosion year" for AI consumption [1] - The acceptance of AI functionalities among consumers has significantly risen, with nearly half (46.8%) of consumers believing that products must integrate AI capabilities [1] - JD is leveraging the C2M (Customer-to-Manufacturer) model and its "super supply chain" to convey consumer insights to brands, accelerating product iteration [1] AI Consumption Trends - Sales of smart glasses and smart robots are projected to grow by 10 times and 3 times, respectively, in 2025 [1] - AI technology is being integrated into various applications, including AI shopping assistants and digital human live streaming, generating tangible benefits in e-commerce operations [1] Digital Human Live Streaming - During the 2025 "JD 11.11" shopping festival, the total transaction volume from digital human live streaming exceeded 2.4 billion yuan, with 50,000 merchants utilizing digital human hosts for 24-hour continuous streaming, leading to a 30% increase in overall platform conversion rates [1] AI in Customer Service and Logistics - JD's AI robots in customer service and logistics have achieved large-scale application, enhancing operational efficiency [1] Skills Reskilling Initiative - JD announced its participation in the World Economic Forum's "Reskilling Initiative," becoming the first Chinese company to join this program aimed at training employees to meet the new skill demands of the AI era [2]

针对上述提问，新国都回应称："您好，公司一直密切关注数字人民币、跨境支付相关政策和业务场景 创新方向，基于监管框架，积极储备产品、技术和合规等相关能力，寻求业务发展机会。近年来公司持 续加强旗下跨境支付品牌PayKKa的资源投入、产品研发和银行资金渠道建设。收款业务方面，公司持 续优化 B2B 跨境贸易收款、B2C跨境电商收款产品能力，不断加强各个国家本地账户建设，本地账户 区域覆盖美国、加拿大、英国、欧盟、澳大利亚、新加坡、中国香港、印尼、菲律宾、泰国、越南等主 要国家和区域，同时开通罗马尼亚列伊（RON）、捷克克朗（CZK）、波兰兹罗提（PLN）和匈牙利福 林（HUF）等欧洲小币种收款；PayKKa还成功帮助客户在Amazon、Etsy、Lazada、Shopee、TikTok等 全球主流电商平台收款；收单业务方面，公司独立站全球收单产品上线，不断加强和收单行、收单机构 合作。针对国内数字人民币的受理场景，公司能够提供多种场景下的数字人民币受理解决方案，例如聚 合支付码牌、数币收款码牌、POS扫描数币付款码等。感谢您的关注，敬请投资者注意投资风险。" 有投资者在互动平台向新国都提问："近期人民银行等八部门 ...

Core Viewpoint - The Ministry of Industry and Information Technology has announced the public disclosure of a mandatory national standard project titled "Classification and Identification Requirements for Digital Human Identity" as part of the overall standardization efforts [1] Industry Overview - The digital human industry in China has experienced rapid growth, with over 1.14 million related enterprises currently operating [1] - From November 2024 to May 2025, an additional 174,000 new registered enterprises are expected to emerge in this sector [1] - It is projected that by 2025, the scale of China's digital human industry will exceed 40 billion yuan, driving the surrounding industry scale to over 600 billion yuan [1] Application Scenarios - Digital humans are widely utilized in various fields, including performance hosting, e-commerce live streaming, brand marketing, customer service, and education and training, indicating a broad range of application scenarios [1] Challenges - Despite the rapid development of the digital human industry, significant risks have emerged, particularly due to the lack of an effective digital human identity management mechanism, leading to a proliferation of unidentified digital human images in the internet space [1]

Core Viewpoint - The digital renminbi has entered its 2.0 era, transitioning from a central bank liability to a commercial bank liability, allowing it to earn interest and be included in reserve requirements and deposit insurance systems [1] Group 1: Digital Renminbi Development - The People's Bank of China has issued an action plan to strengthen the management service system and related financial infrastructure for digital renminbi [1] - The new generation of digital renminbi is characterized as a digital deposit currency, marking a significant shift from M0 to M1 [1] Group 2: Global CBDC Trends - Global developments in Central Bank Digital Currencies (CBDCs) show three distinct trends: 1. Active development and implementation of retail CBDCs to anchor monetary sovereignty and payment autonomy, with China, the EU, and Russia as typical representatives [1] 2. Focus on payment system innovation to replace retail CBDC issuance, while advancing wholesale CBDC and cross-border collaboration, represented by the UK, Canada, and Japan [1] 3. Delaying or prohibiting CBDC advancement, with the US taking a particularly conservative stance due to concerns over the impact of a digital dollar on the global demand for physical dollars and its implications for international financial status [1]