Core Insights - Digital humans are rapidly transforming human-computer interaction across various sectors, including education, finance, and entertainment, driven by the integration of KYC Cloud Interface Platform and Keling API, marking a shift from functional validation to large-scale application [1] Group 1: Digital Human Interaction - The synchronization of lip movements in digital humans is a key indicator of realism, with traditional methods often causing a sense of detachment due to slight discrepancies between speech and lip movements. The integration of Keling API allows for precise capturing of voice nuances, enhancing the realism of digital human interactions [2] - The system employs a "dual parsing engine" that analyzes both the physical characteristics of speech and the semantic layers of text, enabling a "conditioned reflex" synchronization of lip movements with spoken content, mimicking natural human responses [4] Group 2: Voice Cloning Technology - Traditional voice cloning techniques often lack emotional expression, making them sound mechanical. The collaboration with Keling API introduces emotional depth to voice cloning, allowing for the capture and reproduction of emotional characteristics in voice, enhancing user experience [5] - In customer service scenarios, digital humans can adjust their tone and speech patterns based on user emotions, providing a more personalized and empathetic interaction [5] Group 3: AI Video Generation - AI video generation is crucial for the practical application of digital human technology, with platform stability being essential for user experience. The integration of Keling API has improved stability, reducing issues like lag and distortion during video generation [6] - The system utilizes dynamic scene understanding and intelligent rendering engines to create realistic backgrounds and effects, ensuring smooth video generation even under high demand [7] Group 4: Technological Integration - The collaboration between KYC Cloud Interface Platform and Keling API redefines the interaction experience of digital humans, transitioning from mere functionality to a more user-friendly application [9] - Future advancements may include real-time emotional sensing and quick adaptation of digital human avatars to various scenarios, lowering the technical barriers for enterprises [9]

目前数字人民币在金融领域应用场景主要包括银行业贷款发放、理财服务、零钱余额管理，证券基金业购买理财产品，期货业 支付仓储费以及保险业缴纳保费、理赔等；从用户角度看，数字人民币从"数字现金"升级为"计息存款"，解决了"持有动力不 足"的核心痛点。 招商银行则开展了"招好运 币有礼"数字人民币主题惠民活动，围绕民生刚需场景，上线生活缴费、咖啡茶饮、外卖、信用卡还 款等多项场景立减优惠，并在数字人民币试点城市的线下消费密集场所，发放数币支付福利，以多重权益回馈广大用户。 广发证券近日撰文称，中国人民银行此前出台《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设的行动方 案》，明确新一代数字人民币具有商业银行负债属性，是数字存款货币，可计付利息，纳入存款准备金和存款保险制度；意味 着数字人民币从央行负债转变为商业银行负债，实现从M0到M1的重要跨越。 【环球网财经综合报道】春节将至，数字人民币运营机构陆续推出了多样的数字人民币促消费红包发放、满减支付等活动。 交通银行"数字人民币月享节新春活动"从2月16日开始持续至2月底。用户在支付宝、淘宝、盒马、飞猪、12306、高德、京东商 城、美团、哈啰等选择使用交 ...

中国证券报记者2月15日获悉，春节将至，数字人民币运营机构陆续推出了多样的数字人民币促消费红包发放、满减支付等活 动。进入数字人民币APP后，点击"新春用数币，马上有惊喜"栏目便可以查看活动详情。 图片来源：数字人民币APP 值得一提的是，2月16日的数币节与今年除夕恰巧在同一天。高峰表示，通过"银行＋平台"生态联动，数币支付正成为撬动数 字消费、绿色消费、普惠消费的新引擎，让每月16日不仅是支付优惠日，更是服务民生、繁荣市场、提振消费的数字化新实 践。 招商银行则开展了"招好运 币有礼"数字人民币主题惠民活动，以多重权益回馈广大用户，持续提升数字人民币服务体验。 招商银行数字人民币办公室主任陈曦介绍，活动期间，社会公众新开立招商银行数字人民币个人钱包，可获得专属消费红 包；同时，招行围绕民生刚需场景，上线生活缴费、咖啡茶饮、外卖、信用卡还款等多项场景立减优惠，并在数字人民币试 点城市的线下消费密集场所，发放数币支付福利。用户完成数字人民币支付后，还可参与闯关抽奖活动，活动福利覆盖更 广、体验更丰富。 "本次活动依托数字人民币APP与招商银行APP双平台联动推广，覆盖日常消费、金融服务、生活缴费等多元场景，让 ...

Core Viewpoint - The digital RMB (Renminbi) is being actively promoted through various consumer incentive activities by its operating institutions as the Spring Festival approaches, aiming to boost consumption and enhance user experience [1][3][4]. Group 1: Digital RMB Promotions - Multiple banks, including Bank of Communications and China Merchants Bank, are launching promotional activities to encourage the use of digital RMB, such as consumer coupons, random discounts, and lucky draws [3][4]. - The "Digital RMB Monthly Enjoyment Festival" by Bank of Communications will run from February 16 to the end of February, offering various incentives for users who utilize their digital RMB wallet across multiple platforms [3]. - The cumulative consumption amount driven by Bank of Communications' digital RMB promotional activities has exceeded 9.5 billion yuan, with 13.9 million transactions recorded since the launch of the "Digital Currency Festival" model [3]. Group 2: Consumer Experience Enhancement - China Merchants Bank is enhancing the digital RMB user experience by offering exclusive consumer red envelopes for new wallet users and various discounts on essential services like utility payments and food delivery [4]. - The promotional activities are designed to cover a wide range of daily consumption scenarios, providing a richer experience for users during the Spring Festival [4]. - The underlying technology of these consumer red envelopes is based on the application of digital RMB smart contracts, which allow for customized payment solutions and improved efficiency in subsidy distribution [4].

在创意内容蓬勃发展的时代，剧本作为故事的核心载体，其改编与创新始终是推动内容产业前进的重要动力。客易云，作为人工智能商业服务领域的探索 者，始终致力于将前沿技术融入实际应用场景，为内容创作者提供更广阔的创作空间。近日，客易云接口平台成功接入剧本改写功能，并与数字人技术深度 融合，不仅实现了数字人对口型与声音克隆的极致真实，更在AI视频生成领域掀起了一场创意革命，同时确保了平台的稳定运行，为内容创作者开启了一 扇通往无限可能的大门。 剧本改写，是创意的再加工与重塑，它要求在不改变原作核心精神的基础上，赋予故事新的生命力。客易云接口平台接入剧本改写功能后，通过先进的自然 语言处理技术与深度学习算法，能够精准理解剧本中的情节脉络、人物性格与情感走向，并在此基础上进行智能化的改编与创作。无论是调整故事节奏、丰 富人物设定，还是融入新的文化元素与时代背景，客易云都能轻松应对，为创作者提供多样化的改编方案。这种智能化的剧本改写能力，不仅大大缩短了创 作周期，降低了创作成本，更为创作者提供了源源不断的灵感源泉，让每一个故事都能以全新的面貌呈现在观众面前。 当剧本改写遇上数字人技术，一场关于真实演绎的变革悄然发生。客易云接口 ...

Core Viewpoint - The launch of the AI digital assistant "Xiao Bei" in Qingdao represents an innovative approach to prevent illegal fundraising, utilizing technology to enhance public awareness and safety in financial matters [1][10]. Group 1: Introduction of "Xiao Bei" - "Xiao Bei" is introduced as a 24/7 online financial safety assistant, filling a gap in AI interactive services for illegal fundraising prevention in Qingdao [1][10]. - The initiative is part of the "Guarding the Wallet and Protecting Happiness" campaign, aimed at strengthening the public's defense against illegal fundraising [1][10]. Group 2: Features and Functions - "Xiao Bei" is designed with a focus on interactive, precise, and all-scenario capabilities, aiming to protect citizens' wealth and transition from passive to active service in illegal fundraising prevention [3][12]. - The AI assistant includes real-time risk assessment features to monitor new illegal fundraising tactics and provide quick evaluations of various investment projects and financial products [5][14]. - It also offers intelligent case analysis, simplifying complex financial terms into understandable language, helping citizens recognize illegal fundraising traps effectively [5][14]. Group 3: Accessibility and Integration - Compared to traditional methods, "Xiao Bei" enhances accessibility through online platforms, allowing citizens to consult the assistant anytime via the "Qingdao Financial Safety Guardian" WeChat account [7][16]. - The assistant will also be integrated into various community outreach efforts, participating in key scenarios such as classrooms, communities, and public events, ensuring comprehensive coverage [8][16]. Group 4: Strategic Importance - The introduction of "Xiao Bei" aligns with the central government's financial work meeting directives, emphasizing source governance and innovative promotional methods in financial safety [10][18]. - This initiative represents a significant step for Qingdao's financial sector in leveraging advanced AI technology to create a distinctive brand for illegal fundraising prevention [10][18].

（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 ...

对于深圳市的王女士而言，新年最直观的获得感，来自数字人民币实名钱包里的"钱也能生息"了。"之 前用数字人民币主要是图个支付方便和手续费减免，现在钱包里的零钱还能'钱生钱'，跟活期存款一 样。"她所说的，正是此次数字人民币升级最受个人用户关注的变化：实名钱包余额计付利息。 这个看似微小的场景，背后是数字人民币一场意义深远的"成人礼"。1月1日，经过十年研发与试点，数 字人民币正式完成从1.0到2.0的版本跃迁，从"数字现金"升级为"数字存款货币"。而这不仅仅是实名钱 包里的余额可以像银行活期存款一样生息那么简单，它意味着数字人民币的底层逻辑、货币属性、运营 生态和战略潜力发生了重要变化，一场金融基础设施现代化进程，正按下加速键。 货币属性的"重定义" 1月1日，随着中国人民银行出台的《关于进一步加强数字人民币管理服务体系和相关金融基础设施建设 的行动方案》(以下简称《行动方案》)正式实施，数字人民币悄然迎来了诸多变化。 其中，用户端最直观的感受就是实名账户计息：即用户在一、二、三类实名数字人民币钱包中的余额， 将按照结息日挂牌的活期存款利率按季计息。利息每年3月、6月、9月、12月的20日结算，用户可通过 数字 ...

数字人民币计息落地满月： "钱包"活跃了 场景丰富了 ◎记者 黄坤 数字人民币计付利息政策落地已"满月"。上海证券报记者了解到，过去一个月里，多家国有大行、股份 制银行及互联网银行相继落地数字人民币计息政策，用户行为随之出现微妙变化：钱包余额提升、活跃 度上升、场景使用频率明显增加。 数字人民币实名钱包余额，可按活期存款利率计付利息。数字人民币从"能花"到"能存"，这看似细微的 一步，正在重塑公众的资金管理方式，也有利于构建数字金融服务新生态。 数字人民币，是中国人民银行发行的法定数字货币和相关支付体系，采用双层运营架构，由中国人民银 行向数字人民币运营机构发行，再由数字人民币业务运营机构兑换给公众，不具有任何炒作空间。 在数字人民币钱包余额能生息后，用户有意愿将资金存入数字人民币钱包，使其成为兼具支付与储蓄功 能的现金管理工具。"自对客计息以来，网商银行数字人民币钱包日终余额在第一个自然月中上涨了 80%；同时，支付宝上的'数字人民币'小程序日活跃用户显著提升，带动了资金转入。"网商银行相关人 士向上海证券报记者表示。 打开服务空间 从央行负债变为银行负债 升级后的数字人民币，成为银行的一种负债资金来源。 ...

Market Overview - The digital RMB sector experienced a decline of 0.19% compared to the previous trading day, with Dongfang Guoxin leading the drop [1] - The Shanghai Composite Index closed at 4082.07, down 1.26%, while the Shenzhen Component Index closed at 14100.19, down 1.28% [1] Stock Performance - Notable gainers in the digital RMB sector included: - Hanbang Gaoke (300449) with a closing price of 9.18, up 20.00% on a trading volume of 674,900 shares and a transaction value of 604 million [1] - ST Rendo (002647) and Lang Technology (300042) both increased by 4.98% [1] - Conversely, Dongfang Guoxin (300166) saw a significant decline of 6.07%, closing at 14.38 with a trading volume of 2,198,000 shares and a transaction value of 3.246 billion [2] Capital Flow - The digital RMB sector experienced a net outflow of 923 million from institutional investors, while retail investors saw a net inflow of 731 million [2] - The capital flow for specific stocks showed: - Chip Origin (688521) had a net inflow of 2.95 billion from institutional investors but a net outflow of 2.83 billion from speculative funds [3] - Hanbang Gaoke (300449) had a net inflow of 1.53 billion from institutional investors but a significant outflow from both speculative and retail investors [3]