中经记者 郝亚娟 张漫游 上海、北京报道 近日，商务部、文化和旅游部、中国人民银行等9部门联合印发《2026"乐购新春"春节特别活动方案》 （以下简称"《活动方案》"），重点鼓励使用数字人民币智能合约消费红包，推动数字消费与实体消费 深度融合。 《中国经营报》记者注意到，多地及多家金融机构迅速响应、同步行动，密集发放数字人民币红包，覆 盖餐饮、购物、出行等多元消费场景。业内人士认为，通过智能合约实现资金"定向滴灌"，不仅能有效 防止套现与挪用、提升财政资金使用效率，更将为数字人民币开拓高频主流应用场景，加速其从局部试 点向全域生态构建迈进，为提振消费、复苏经济注入数字化新动能。 政策筑基 "相比传统方式，数字人民币智能合约消费红包具备精准触发、降本增效与风险防控三位一体的独特优 势。"武泽伟向记者分析称，一是政策精准性与有效性。资金用途、场景、时效等条件可被提前设定并 自动执行，确保消费激励"直达目的"，精准撬动实体交易。二是综合成本更低。对政府与商户而言，数 字人民币支付即结算且通常零手续费，降低了资金发放与收取的成本；对用户而言，操作集成度更高， 核销更便捷。三是兼具信任与安全。以国家信用背书，具备法偿性 ...

Core Viewpoint - The company is focusing on the smart livelihood sector, providing intelligent solutions for social security and healthcare, while also advancing digital applications in the energy sector [1] Group 1: Smart Livelihood Sector - The company is deeply engaged in the smart livelihood field, specifically in digital human resources and smart healthcare [1] - It offers intelligent solutions for scenarios such as quick social security services, social security card integration, and long-term care insurance [1] Group 2: Smart Energy Sector - The smart energy segment provides digital grid application services for the power industry [1] - The company is building systems for government-enterprise data sharing, maintenance management, and expansion control [1] - It promotes full-chain monitoring and intelligent regulation of energy through "data elements × artificial intelligence," accelerating the digital transformation of the power grid [1]

Core Viewpoint - The company focuses on medical information technology and smart city core businesses, providing intelligent solutions in various sectors [1] Group 1: Medical Information Technology - The company is recognized for its role in medical information technology, specifically in selling registration machines [1] - It aims to enhance efficiency in healthcare services through digital solutions [1] Group 2: Smart City Business - The company is deeply engaged in the smart livelihood sector, particularly in digital human resources and smart medical insurance [1] - It provides intelligent solutions for scenarios such as quick human resources services, social security card integration, and long-term care insurance [1] Group 3: Smart Energy Sector - The smart energy segment offers digital grid application services for the power industry [1] - The company is involved in building data sharing, maintenance management, and expansion control systems for enterprises and government [1] - It promotes full-chain monitoring and intelligent regulation of energy through the integration of data elements and artificial intelligence, accelerating the digital transformation of the power grid [1]

Core Viewpoint - The company is actively engaging in the virtual digital human sector, leveraging AI technology to enhance customer interaction and operational efficiency [1] Group 1: Business Development - The company’s subsidiary, Gubei Water Town, is utilizing digital and technological empowerment to diversify its offerings [1] - The company has developed its own virtual digital human with the help of iFLYTEK's AI capabilities, enabling functions such as daily inquiries, product recommendations, and voice interactions [1] Group 2: Future Plans - The company plans to continue integrating technology and digital applications across its business segments, aligning with market demands and business development needs [1] - There is a focus on strengthening the development of smart systems and data applications to enhance operational efficiency [1]

以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 证券之星消息，2月5日数字人民币板块较上一交易日下跌1.22%，芯原股份领跌。当日上证指数报收于 4075.92，下跌0.64%。深证成指报收于13952.71，下跌1.44%。数字人民币板块个股涨跌见下表： 从资金流向上来看，当日数字人民币板块主力资金净流出10.34亿元，游资资金净流入4.66亿元，散户资 金净流入5.68亿元。数字人民币板块个股资金流向见下表： ...

报告还梳理了数字人民币与全球加密资产的发展态势、核心特征以及全球监管政策与研究动态等，为我 国数字金融规范发展、守护国家金融安全提供学术参考与智力支撑。(完) （文章来源：中国新闻网） 报告提出三点政策建议：一是拓展数字人民币应用场景，夯实其数字经济底层地位；二是统筹防范稳定 币风险，维护人民币国际化战略空间；三是加强前瞻性研究，推动监管与学术协同。 中新网北京2月4日电(记者谢艺观)"当前新一轮数字技术革命深刻重塑全球经济与金融体系，数字货 币、加密资产等新型金融形态加速演进，既拓展了金融运行的技术边界，也对货币主权、金融安全和治 理能力提出新的挑战。"近日，《数字人民币与全球加密资产展望2026》发布会在北京举行，中央财经 大学副校长、国家数据工程与安全学院院长李建军如是表示。 会上发布了《数字人民币与全球加密资产展望2026》报告。报告指出，数字人民币试点已实现规模化运 行，功能向资金管理与治理工具延伸；全球稳定币规模大幅攀升，外溢影响需重点关注；加密资产市场 波动加剧且向头部集中，与宏观政策关联紧密。 ...

中新网长沙2月4日电(向一鹏)中国人民银行湖南省分行4日透露，截至2025年末，湖南支持数字人民币 支付的商户已达60.7万户，累计开立钱包2538万个，累计交易金额567亿元，单月交易笔数、交易金额 长期位居全国同批试点地区前列。 2025年，人民银行湖南省分行会同长沙市政府组织相关银行机构开展"用数币称心意"数字人民币主题宣 传推广和一系列促消费优惠活动，各银行机构累计投入1500万元，带动消费35亿元，有力提振和扩大了 消费。同时，借助中非经贸博览会等契机，面向境内外人士推介数字人民币，推动银行机构在全省落地 多边央行数字货币桥业务，交易结算时间及成本大幅降低，为企业提供了更快速、更便宜、更安全的跨 境支付结算通道。 人民银行湖南省分行相关负责人表示，2026年1月1日，新一代数字人民币计量框架、管理体系、运行机 制和生态体系正式启动实施，数字人民币从数字现金时代迈入"数字存款货币时代"。人民银行湖南省分 行将加力数字人民币赋能金融"五篇大文章"、助力提振扩大消费、拓展跨境支付服务，提高数字人民币 在零售商超、民生缴费、交通出行、医疗文旅等领域的使用覆盖率，深化数字人民币产品与各消费场景 的合作，为湖南 ...

Core Insights - The digital renminbi has officially entered its 2.0 era after ten years of exploration, marking a significant transition from cash to deposit currency with the introduction of an interest mechanism and an expanded ecosystem [2][8] Group 1: Digital Renminbi Development - The People's Bank of China has implemented an action plan to enhance the management and service system of the digital renminbi, which includes a 0.05% interest rate, representing a crucial step in its development journey [2][8] - The digital renminbi has processed over 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets and 1.884 million corporate wallets opened, showcasing its achievements in the global central bank digital currency landscape [3][9] Group 2: Key Adjustments in Digital Renminbi 2.0 - The transition to digital renminbi 2.0 involves four key adjustments: inclusion in the reserve requirement framework, allowing interest on wallet balances, enabling commercial banks to use digital renminbi for loans, and incorporating digital renminbi deposits into deposit insurance [4][10] - This transformation signifies a shift from a "payment tool" to "financial infrastructure," aligning its institutional attributes and financial functions with traditional currencies [5][10] Group 3: Strategic Implications - The advancement of the digital renminbi is part of a strategic response to global digital currency competition, with China firmly promoting its central bank digital currency while the U.S. and EU pursue different paths [5][10] - The digital renminbi's capabilities in cross-border payments, utilizing blockchain technology for "payment and settlement," have shown advantages in various trade scenarios, contributing to the internationalization of the renminbi [11] Group 4: Future Directions - The development of the digital renminbi must balance stability and progress, focusing on serving the real economy while exploring applications in supply chain finance and trade financing [6][11] - The new roadmap for the digital renminbi represents a deepening of financial reform and a strategic choice for China's participation in global financial governance, aiming to enhance monetary sovereignty and support high-quality development [6][11]

Core Viewpoint - The strategic partnership between Ocean Group Holdings Limited and Consciousness Foundation Ltd. aims to develop the "Silicon Buddy" AI companion robot under the X-Mart brand, marking a significant advancement in the company's Web 4.0 strategy by transitioning AI technology from virtual digital humans to physical smart hardware [1][4]. Group 1: Strategic Partnership - The collaboration is a key move in Ocean Group's transformation from traditional manufacturing to a Web 4.0 digital ecosystem builder, with clear division of roles and complementary strengths to accelerate the development and market launch of AI robotic products [2][4]. - Ocean Group will leverage its core competencies to provide comprehensive AI technology support and a mature smart hardware supply chain, including multi-modal interaction algorithms, emotional perception systems, and backend data platform development [2][3]. - Consciousness Foundation Ltd. will contribute its established consumer product design team and global sales channels, responsible for the creative design, terminal operations, and market promotion of the AI robot, ensuring rapid product scaling with existing order resources [2][3]. Group 2: Technological and Industrial Foundation - Ocean Group has a solid foundation with 30 years of experience in silicone core component manufacturing, creating an integrated production system and global supply chain capabilities essential for smart hardware mass production [3]. - The company initiated AI technology research and development in 2023, forming a specialized AI digital division that has established a core barrier in the AI digital human field, validating its self-developed data-asset-value (DAT) model in various sectors [3]. - The integration of digital human multi-modal interaction and emotional recognition technologies into physical robots completes the industrial loop for the company's AI technology deployment [3]. Group 3: Market Potential and Future Plans - The global digital economy is entering an AI-driven industrial upgrade cycle, with the AI smart hardware market experiencing explosive growth, making this partnership a crucial step for Ocean Group to break traditional business boundaries and implement its Web 4.0 strategy [4]. - The collaboration is expected to facilitate rapid product monetization and assist the company in accelerating its transformation into an AI smart hardware and digital ecosystem enterprise [4]. - Future plans include leveraging the joint venture to promote the global rollout of X-Mart robots and exploring the integration of AI robots with Real World Asset (RWA) tokenization, thereby broadening the value boundaries and enhancing the company's core competitiveness and long-term profitability [4].

人民银行湖南省分行表示，2026年1月1日，新一代数字人民币计量框架、管理体系、运行机制和生态体系正式启动实施，数字人民币从数字现金时 代迈入"数字存款货币时代"。人民银行湖南省分行将坚决贯彻落实党中央"稳步发展数字人民币"的重大决策，紧紧围绕总行和省委、省政府的工作 部署，加力数字人民币赋能金融"五篇大文章"、助力提振扩大消费、拓展跨境支付服务，提高数字人民币在零售商超、民生缴费、交通出行、医疗 文旅等领域的使用覆盖率，深化数字人民币产品与各消费场景的合作，为湖南经济社会高质量发展注入更多金融动能。 潇湘晨报·辣椒财经记者郝咏琪 2月4日，2025年湖南省金融运行情况新闻发布会举行。记者于会上获悉，截至2025年末，全省支持数字人民币支付的商户已达60.7万户，累计开立 钱包2538万个，累计交易金额567亿元，单月交易笔数、交易金额长期位居全国同批试点地区前列。 据了解，2025年，人民银行湖南省分行会同长沙市政府组织相关银行机构开展"用数币 称心意"数字人民币主题宣传推广和一系列促消费优惠活 动，各银行机构累计投入1500万元，带动消费35亿元，有力提振和扩大了消费。借助中非经贸博览会、RCEP（区域全 ...