數字金融創新相關政企研各界大咖雲集探討前沿話題、3項數字金融創新發展聯盟成果、7項數字人民幣應用實踐展示……近日，由北京市地方金融監督管理局、北京市豐台區人民政府、中國人民銀行數字貨幣研究所主辦，中國銀行、中國郵政儲蓄銀行聯合主辦，北京金融科技産業聯盟協辦的2023中國（北京）數字金融論壇在豐臺麗澤金融商務區舉行。博鰲亞洲論壇副理事長周小川，北京市政協副主席王紅，全國人大常委會委員、中國殘聯第七屆主席團副主席呂世明，國家外匯管理局副局長陸磊，中國人民銀行貨幣金銀局局長羅銳，國家金融監督管理總局統計資訊與風險監測部一級巡視員王蔚，中國證監會科技監管局副局長蔣東興，中國人民銀行北京分行副行長周軍明，中國科學院院士王小雲，清華大學五道口金融學院金融發展與監管科技研究中心主任張健華，豐台區委書記王少峰，豐台區委副書記、區長初軍威，豐台區人大常委會主任高峰，豐台區政協主席李嵐等出席論壇。
In recent days, under the auspices of the Beijing Local Financial Supervisory Authority, the People's Government of Beijing, the People's Bank of Beijing, the People's Institute of Digital Currency of the Chinese People's Bank, the Bank of China, the China Post Office and the Bank of the People's Bank of China, the 2023 China (Beijing) Digital Finance Forum organized by the Beijing Federation of Financial Science and Technology Associations, the results of the 3-digit Financial Innovation Alliance, the 7-digit People's Dollars Bank, and the 7-digit People's Dollars Bank of Beijing.
2023年是中國（北京）數字金融論壇舉辦的第三年。據了解，本次論壇主題為“融合與升級：共建數字金融新生態”，並以“主論壇+分論壇+推介會”的形式，對當前數字金融發展進行了成果總結和前瞻性討論。同時，本屆論壇設數字人民幣體驗區，集中展示近一年來數字人民幣在拉動居民消費、服務國家戰略、助力數字化和綠色轉型等方面的建設成果，充分體現數字人民幣的“人民性”。
2023 is the third year of the Chinese (Beijing) Digital Finance Forum. It is understood that the theme of the Forum is “Integration and upgrading: a digital finance innovation together” and that it provides an outcome summary and a forward-looking discussion of the current digital finance development in the form of “The main forum+discussion forum+presentation meeting.” In the meantime, the Forum has set up a digital People’s Currency experiment, focusing on the results of the last year’s construction of the digital currency in the areas of consumer consumption, service to the country’s strategy, assistive digitalization, and green transformation, fully reflecting the “people’s nature” of the dollar.
與會專家認為，麗澤為北京建設全球數字經濟標桿城市提供了“豐臺實踐”。中國（北京）數字金融論壇打造了權威數字金融學術交流平臺和數字金融與實體經濟的良性互動平臺，為豐台區發展數字金融提供了研究和學術發展空間。這將進一步促進數字金融産業生態圈在豐臺的紮根與發展，並將助力其形成具有全球影響力的金融發展之勢。
In the view of the experts, Liza has provided a “beautiful reality” for the creation of a global digital economy in Beijing. China’s (Beijing) Digital Finance Forum has created a powerful digital finance exchange platform and a virtuous interface between digital finance and the real economy, providing room for research and technological development for digital finance development in the region. This will further boost the roots and development of the digital finance industry and will help to shape financial development with global impact.
共話數字金融新生態融合與升級
Talking Number New Financial Integration and Upgrade
打造一流數字金融生態圈
活動現場，王紅在致辭中表示，北京作為國家金融管理中心，始終把金融業高品質發展放在重要位置，金融業已成為首都經濟第一大支柱産業。2023年上半年，北京金融業實現增加值4119.9億元，同比增長6.5%，佔全市GDP比重達20%。下一步，北京將以深化數字産業化和金融數字化為主線，為數字金融發展提供更加優良的營商環境。
In his speech, Wang Hong said that Beijing, as the national financial regulatory centre, had placed the highest quality of its financial sector at the centre of development, and that it had become the capital’s first pillar of the economy. In the first half of 2023, Beijing’s financial sector had grown by 4.11990 billion yuan, a 6.5 per cent increase, accounting for 20 per cent of the city’s GDP. Next, Beijing would provide a better business environment for digital finance development, focusing on deepening digitalization and financial digitization.
王少峰表示，作為北京新興金融産業集聚區和首都金融改革試驗區，麗澤金融商務區緊抓金融與科技融合發展的新機遇，大力發展數字金融，積極培育數字金融新技術、新業態、新模式。下一步，豐台區將致力於推動麗澤成為數字金融産業發展新高地、數字金融研發與創新策源地，以更優的發展環境和更大的數字金融應用覆蓋面助力首都打造一流數字金融生態圈。
Wang Shunfeng said that, as a testing area for financial reforms in Beijing and the capital city, the Rize financial services sector is pursuing new opportunities for financial and technological integration, promoting digital finance and fostering digital finance technologies, new industries, and new models. Next, it will work to promote Lise as a new high-rise, digital finance research and innovation source for digital finance development, with a view to creating a better development environment and a larger digital financial coverage that will help to create a first-class digital financial environment in the capital.
多項重磅成果集中展示
數字金融創新應用碩果纍纍
Digital Finance Innovations
在2022年的論壇上，豐台區成立了“數字金融創新發展聯盟”，首批20家機構位列其中。一年來，聯盟成員不斷提高研發投入、加快成果轉化，有力支撐了北京市數字經濟發展，促進了麗澤金融商務區“金融+科技”産業集聚，3項麗澤數字金融創新發展聯盟成果也在2023年數字金融論壇上正式出爐。
At the forum in 2022, the Association for Digital Financial Innovation and Development was established in Toyota, with the first 20 institutions listed. Over the past year, the Alliance’s members continued to increase their investment in research and development and speed up the transformation of results. This helped to boost the development of the Beijing-based digital economy, bringing together the finance + technology (F+T) industry in the Lisser financial sector, and the results of three Liser Digital Finance and Development Alliances were officially launched at the 2023 Digital Finance Forum.
其中，中國郵政儲蓄銀行與德生科技等機構聯合發佈的預付費管理産品“智安鑫”，是依託數研所推出的數字人民幣智慧合約標準産品“元管家”，延伸提供預付資金管理及增值服務，保護消費者權益的同時保障商戶經營。
Among these, the Chinese Post Office Savings Bank, in conjunction with institutions such as German Science and Technology (TST), publishes the prepaid management package “Tchiads”, which is a standard standard “metaminist” of the digital People's Dollar Wisdom standard introduced by the Institute, extending the provision of advance capital management and value-added services to protect the rights of consumers.
中國建設銀行發佈的數字人民幣跨境支付綜合解決方案，則是運營機構商業銀行為應對跨境電子商務飛速發展帶來的挑戰，響應政府號召，積極探索提高跨境支付服務水準取得的良好進展和成果。
In response to calls from the government, China’s set-up bank has been actively exploring the good progress and results of improving the standards of cross-border payment services.
路孚特發佈的LSEG Workspace平臺亦是此次麗澤數字金融創新發展聯盟成果之一。據了解，倫敦證券交易所集團(LSEG)是全球領先的金融市場基礎設施提供商之一。LSEG Workspace可為用戶提供最廣泛、最深入的金融數據、新聞、分析和生産力工具，無論是理財顧問、研究分析師、投資組合經理、投資銀行家、交易員還是金融開發商，LSEG Workspace都能根據用戶的具體需求提供定制化的解決方案。
The LSEG Worldspace platform, launched by Luvut, is also one of the outcomes of this Lizzy Digital Financial Innovation Alliance. The London Stock Exchange Group is known to be one of the leading providers of financial market infrastructure. LSEG Workspace can provide users with the most extensive and in-depth financial data, news, analysis, and energy tools, regardless of financial queries, research analysts, investment managers, investment bankers, traders, or financial developers.
在數字人民幣方面，來自不同機構的7項應用實踐集中展示，包括了針對個人客戶（C端）消費的多個創新應用場景實踐，也涵蓋了數字人民幣在企業端（B端）深度融合的探索實踐。
In the case of the digital renminbi, seven applications from different institutions were presented in a centralized manner, including several innovative applications for personal client (end C) consumption and the exploration of the deep integration of the digital currency at the end of the enterprise (end B).
在針對C端客戶消費場景的創新探索中，“中電聯項目組SIM卡應用”成果是中國銀行、中國電信、中國聯通三方跨界合作、強強聯合，將通信與支付有機結合，推出數字人民幣SIM卡硬錢包。該産品具有安全可靠、通用便利、無電支付、共用餘額等特點，並在軌道交通、校園、養老等場景應用。
In a new exploration of the C-end client consumption scene, the result of the SIM card application of the Sino-Turkish Union project is a cross-border collaboration between the Bank of China, the Chinese Telecoms, the China Federation, and a strong alliance between the three parties, combining communications and payments, and introducing digital SIM card hard wallets. It has special features such as safety and security, general convenience, no electricity payments, and the sharing of spare parts, and is used in rail transportation, campus, old age, etc.
“交通銀行雄安新消費應用實踐”成果是交通銀行攜手雄安新區管委會開發面向雄安新區G端、B端、C端用戶的數字人民幣促進消費活動補貼資金領取和使用的官方平臺，充分發揮了數字人民幣交易的安全性和可靠性。
The result of the “New Cost Application Implementation at the Transport Bank” is that the Transport Bank's Board of Governors for the New Zone has launched an official platform for digital People's Dollars to promote the acquisition and use of funds for consumer-related activities for the G-end, B-end and C-end users of the Zone, which gives full effect to the safety and reliability of the digital People's Currency transactions.
北京銀行還介紹了其與建設銀行、多點新鮮攜手，推出的“數字人民幣美通卡”産品落地情況。據悉，這是數字人民幣智慧合約“元管家”産品在商超場景首次落地實踐。
The Bank of Beijing has also described the location of its “digital People’s Dollar United States of America card” with the construction of a bank, and a number of new hands. This is the first time that the digital People’s Dollar Wisdom’s “Mart butler” package has been launched.
此次展示的數字人民幣應用實踐中，多家機構還介紹了數字人民幣在企業端信貸應用探索實踐經驗。“騰訊智慧合約企業信貸應用”成果是騰訊數字人民幣項目組面向微眾銀行小微企業客戶定制研發的一款智慧合約企業信貸解決方案；“工商銀行-京東智慧信貸應用”成果是中國工商銀行聯合京東科技推出的基於數字人民幣智慧合約的供應鏈金融服務方案。
During the demonstration, a number of institutions presented their experience in the exploration of corporate credit applications. The result of the “Twisting Wirtschaftsprüfer Business Loans” was a smart corporate credit solution tailored to micro-banks' micro-enterprise clients; and the result of the “Bank of Commerce and Industry-Kington Wisdom Loans” is a supply chain-based financial services program based on the Wisdom of the Chinese People's Dollars, launched by the China Business Bank-Kington Technologies Association.
此外，為了深化數字人民幣在B端的應用探索，本次會議上，兩家銀行分別深化了與企業的合作。其中，農業銀行深化了與瀘州老窖合作，雙方將利用數字人民幣智慧合約技術，面向供應鏈金融服務展開深入合作，推出基於數字人民幣智慧合約供應鏈金融服務的方案，深入探索數字人民幣服務實體經濟新模式。
In addition, in order to deepen the search for the use of the digital renminbi at the end of B, the two banks have deepened their cooperation with the business sector. At this meeting, the Agricultural Bank has deepened its collaboration with the Penang State cellar, using the digital renminbi wisdom to contract, to develop in-depth cooperation for the supply chain financial services, to launch a programme based on the digital renminbi wisdom for the supply chain financial services, and to explore in depth the new economic model of the digital renminbi service.
中國銀行也與京東進一步加深戰略合作。據悉，雙方將持續加深智慧合約、跨境金融、智慧醫療等新興産業領域的戰略合作，通過智慧合約産品的廣泛應用，解決上下游企業，尤其是中小微企業的資金週轉效率，支援核心企業全鏈路可控可追溯的資金劃撥需求，降低企業履約成本和違約風險，提供更加便捷的普惠金融服務。
China’s banks have been working further with Kyoto to deepen strategic cooperation. It has been reported that both sides will continue to deepen strategic cooperation in new and emerging fields such as intellectual contracts, cross-border finance, and intellectual health care, to address the growing efficiency of upstream and downstream enterprises, especially small and medium-sized enterprises, and to support the need for controlled and traceable financial transfers across the entire chain of core enterprises, reduce the cost of and risks to enterprises, and provide more accessible and inclusive financial services.
有與會嘉賓在接受記者採訪時指出，近年來數字人民幣試點不斷推進，其應用場景不斷豐富。有業內人士預計，未來數字人民幣在企業端創新融合速度還將在安全可控的基礎上不斷加快，有助於推進數字人民幣從零售端到企業端支付鏈條閉環的形成，進一步促進數字人民幣在零售端客戶使用的便利性與活躍度。
In an interview with a journalist, some of the guests pointed out that in recent years, the digital renminbi test has been constantly advanced and its applications have been abundant. In-housers predict that the future digital renminbi will continue to accelerate the pace of innovation at the enterprise level, on a secure and manageable basis, helping to boost the formation of the digital renminbi from retail to the company’s payment chain, as well as the ease and viability of the digital renminbi’s use in retail customers.
4場研討會+1場推介會
聚焦熱點探尋數字金融發展新機遇
Focusing on New Opportunities for Digital Financial Development
本屆論壇還設有4場研討會+1場推介會，分別聚焦數字金融發展的重點領域深度探尋發展新機遇。
The forum will also have four seminars + one presentation, which will focus on the depth of the focus area for digital finance development and explore new opportunities for development.
本次論壇上舉辦了“數字人民幣支援跨境收付款方案推介會”，中國建設銀行與Thunes中國共同推出了正在研發中的數字人民幣跨境收付款方案，包括支援中國企業跨境收款和支援個人留學項下匯出匯款。
The forum featured the “Digital People's Dollar Support Cross-border Payment Programs” and China's Construction Bank and Thunes China jointly launched a digital People's Dollar Cross-border Payment Program under development, including support to Chinese enterprises for cross-border receipts and to support individual student transfer.
在央行和監管機構的指導下，依託數字人民幣先進的産品技術、建行與Thunes的全球資金清算網路和數字人民幣跨境支付能力，解決方案中提出了建立出口跨境電商場景及個人跨境匯款交易項下資訊流與收付款資金流高效匹配的新途徑，幫助中國企業降低跨境交易成本，提高資金結算效率和使用效率，為出口跨境電商企業海外收款提供高效、快速、透明的金融服務，也為個人留學匯款提供了一種新的選擇。
Under the direction of central banks and supervisory bodies, the digitized People’s Currency advance technology, the Global Financial Clearing Network, the Bank’s Construction and Thunes, and the digitized People’s Currency’s capacity to pay. The solution proposes new ways to create an efficient match between the flow of information under export cross-border power shops and individual cross-border money transfers, helping Chinese enterprises to reduce cross-border transaction costs, improve the efficiency and use of funds, and provide efficient, rapid and transparent financial services to export cross-border electricity companies to collect money abroad. It also offers a new option for individuals to go back to school.
據介紹，該方案中建行將和Thunes一起，秉承“合規優先”原則，嚴格執行境內外所有適用監管規定，並擬在新産品系統、運營機制、資訊報送等通過監管機構全面評估核準且經過客戶配合完成試用驗證後，適時發佈數字人民幣跨境收付款産品和服務。
It is suggested that the company will work with Thunes to strictly enforce all appropriate regulatory regulations, both within and outside the country, in line with the principle of “compatibility with priority” and to issue digitized cross-border payments and services through the full evaluation and certification of the new system, the operating system, the information system, etc. by the Supervisory Authority and through the client's cooperation in completing the test.
在金融科技助力數字金融發展研討會上，多家金融機構圍繞隱私計算技術與數據要素有序流通、知識圖譜技術等分享應用實踐，科技公司圍繞金融行業雲、國産化晶片等基礎設施建設以及大數據、人工智慧、區塊鏈等創新技術在金融行業的應用做主題分享。
At the Financial Science and Technology Support Digital Financial Development Conference, a number of financial institutions were involved in sharing applications such as the orderly flow of privacy computing techniques and data elements, knowledge mapping techniques, infrastructure developments such as financial clouds, nationalized crystallization, and innovative technologies such as big data, artificial intelligence, regional chains, etc. are being shared in the financial industry.
論壇同時還舉辦了數字金融技術開源論壇暨區塊鏈共識協議（大聖協議）應用研討會等活動。博鰲亞洲論壇研究院牽頭舉辦了“央行數字貨幣（CBDC）在跨境支付中的應用”研討會。
The forum also featured events such as the Digital Financial Technology Open Source Forum and the District Chain Consensus (GAC) Conference on Applications. The Bojongya Forum Institute organized a conference on "CbDC's applications in cross-border payments."
麗澤金融發展指數報告出爐
Lise Financial Development Index Reporter >/strang >
豐臺加速深耕數字金融産業
Accelerating Deep Farming Digital Finance
在2023年數字金融論壇“金融科技助力數字金融發展研討會”上，北京金融科技産業聯盟發佈了《麗澤金融發展指數報告（2020—2022年）》。《報告》從麗澤金融産業發展的總體情況以及産業部署、産業實力、産業創新、産業支撐等主要維度開展了全面量化分析和研究。
At the 2023 Digital Finance Forum “Financial Science and Technology Support for Digital Development”, the Beijing Coalition of Financial Science and Technology launched the Lise Financial Development Indicators (2020-2022). The report provides comprehensive quantitative analysis and research on the overall development of the Lise Finance Industry and its main dimensions, such as deployment, productivity, innovation, and support.
研究顯示，2020—2022年麗澤金融産業戰略部署持續強化、産業綜合實力顯著提升、産業創新活力加速釋放、産業發展支撐不斷夯實，麗澤這片金融産業新區正加速崛起，北京市委關於“妙筆生花看豐臺”“三環裏新城看麗澤”的指示要求加快形成生動實踐。
Research shows that in 2020-2022, the strategic deployment of the Rize finance industry continued to strengthen, the firmness of the industry increased, the new dynamism of the industry accelerated release, the growth of the industry continued, the new area of the finance sector was on the rise, and the Beijing City Council's instructions on “The Three Rings of the New City” called for a rapid start.
會上，中國金融電子化集團有限公司黨委委員、副總經理，北京金融科技産業聯盟常務副理事長潘潤紅介紹，北京金融科技産業聯盟是在中國人民銀行科技司指導下，由中國金電集團發起成立的金融科技領域的社會團體，旨在落實人民銀行金融科技發展規劃要求，促進我國金融科技良性可持續發展。在這期間，聯盟先後成立金融數字化轉型、數據、創新應用、資訊基礎設施等11個專業委員會和6個聯合實驗室，390余家會員單位在聯盟平臺上共同在標準制修訂、産業研究、技術攻關、人才培養、成果推廣等方面開展工作。對於金融科技助力數字金融發展，潘潤紅建議，金融科技助力數字金融發展應加強高品質金融標準供給、強化數據資訊的安全保護、打造開放創新的産業生態。
During this period, the Federation set up 11 specialized committees and six joint laboratories, under the direction of the Science and Technology Department of the People’s Bank of China, under the auspices of the China Gold and Electric Corporation, to jointly promote the development of financial science and technology in the People’s Bank of China. In the interim, the Federation set up 11 specialized committees on financial digital transformation, digital data, innovative applications, information technology infrastructure, etc., and six joint laboratories, under the auspices of the China People’s Bank’s Science and Technology Division, to promote the development of financial science and technology in the People’s Bank of China.
據了解，麗澤金融商務區持續加速佈局和深耕金融産業，推動麗澤金融發展取得顯著成效。面向新階段、把握新要求，系統、全面、客觀展現麗澤金融商務區金融發展成就，不斷提升商務區金融産業國內外影響力。
It is known that the Lize financial sector has continued to accelerate the roll-out and deep-farming of the financial sector, and that the development of Lise’s financial sector has yielded remarkable results. The new phase, the new requirements, the system, the comprehensiveness and the visibility of the financial development of Lise’s financial sector, has led to a steady increase in the internal and external influence of the financial sector.
數據顯示，2023年以來，全國註冊資本最大的保險公司瑞眾人壽、證券行業管理規模最大的資産管理公司中信證券資管、全球跨境支付公司Thunes中國總部等重點金融機構相繼落戶麗澤。截至9月底，麗澤入駐企業共計1077家，其中金融企業474家，為區域經濟高品質發展注入強大動力，預計到2024年，麗澤的企業總數有望超過1200家。隨著産業集聚效應不斷增強，麗澤已逐步成為北京發展版圖上充滿活力的耀眼新星，引領著首都新的金融格局。
According to data, in 2023, the largest insurance company in the country’s registered capital stock, the Swiss people’s life, the securities management of the securities industry, and the central financial institutions such as the global cross-border payment company Thunes, China’s head office, fell to Hulisa. By the end of September, Rize had joined 1077 companies, of which 474 were financial companies, and were expected to be more than 1,200 companies by 2024.
豐台區領導周新春、郭曉一、高崇耀及有關部門負責人一同參加活動。
Xingchun, Guo Xiaoichi, Gao Xiaohua and the officials of the relevant ministries attended the event.
數字金融大家談
國家外匯管理局副局長 陸磊
數字金融生態要素有三點值得關注：第一點是金融活動的數字化。近年來，以移動支付、NFT等為代表的數字金融創新快速興起與發展，推動了傳統金融活動數字化升級改造，降低了交易成本，實現了更高效的需求識別和風險管理。這一點是可以觀察到正在推進且可預期的最具市場活力的生態要素。第二點是金融監管的數字化。以科技賦能金融監管，能夠有效提升監管部門的資訊識別、搜尋和匹配能力，在提升監管有效性的同時，最大限度降低經濟主體承擔的監管成本，特別是在系統性金融風險防控和監測上具有特殊優勢和巨大潛力。第三點是貨幣數字化，這是最難也最具挑戰性的領域。在現有模式下，央行數字貨幣（CBDC）主要定位於現金類支付憑證（M0），是無息的高能貨幣。假設基於數字貨幣的可編程性，在央行數字貨幣上載入關於利率的智慧合約，央行數字貨幣將有機會成為廣義貨幣（M2），期待中國人民銀行數研所的探索可以實現貨幣政策調節央行數字貨幣利率，達成宏觀調控目標。央行數字貨幣的這種可編程性，為豐富央行貨幣政策工具提供了創新空間。
In recent years, digital finance, represented by mobile payments, NFT, etc., has grown and developed rapidly, driving the digital upgrading of traditional financial activity, lowering transaction costs, and achieving more efficient demand recognition and risk management. This is something that can be observed in the most dynamic and predictable market dynamics. The second is the digitalization of financial supervision. In the current model, central banks’ digital capital (CBDC) can be used to raise awareness, search and match capacity, while increasing the effectiveness of surveillance, to minimize the cost of surveillance borne by economics, especially in the context of systemic financial risk prevention and surveillance, with special advantages and huge potentials.
全國人大常委會委員、中國殘聯第七屆主席團
副主席 呂世明
Vice-President
兩年多來，數研所持續與我們殘聯開展了各類合作，通過殘聯的窗口和渠道深度調研訪談不同殘障用戶的需求，提升産品的無障礙體驗。2022年此時，豐臺論壇之際，發佈了《數字人民幣無障礙及包容性設計》課題成果，對數字人民幣APP産品進行了無障礙優化，還推出了一系列的産品創新，比如可視卡硬體錢包、可穿戴設備為載體的硬體錢包等。
Over the past two years, the Institute has been working with us to develop a variety of kinds of collaborations to enhance the barrier-free experience of different users with disabilities through intensive interviews with their windows and channels. In 2022, the forum produced the results of the course "Digital People's Dollars without Barriers and Inclusive Designs ", which resulted in the creation of a series of innovative products, such as hard-to-visible card packages, hard-ware packages that can be worn as a vehicle.
2023年以來，我們雙方的合作更加深入，數研所持續積極開展産品無障礙改造和創新，將無障礙改造作為産品建設的標準化流程，保障新功能都可以適配讀屏操作；針對障礙用戶容易遇到問題的環節如人臉識別等，開展有針對性的優化；試點推廣SIM硬錢包，更方便的使用體驗，對老年人等群體更加友好。同時，數研所積極參與無障礙環境展示館展陳建設，並參加到社科重大課題《無障礙環境建設研究》的研究工作中。
Since 2023, we have been working together more intensively to develop barrier-free renovations and innovations, to transform barrier-free materials into a standardised process for the construction of counterfeits and to ensure that new features can be adapted to screen operations; to develop gender-specific advantages in the context of environments where barrier users are vulnerable to problems, such as human face recognition; and to try to promote SMIM and make it easier to use, and to be more friendly to older persons, among others. At the same time, the Institute has been extremely involved in the construction of barrier-free environment exhibitions and has participated in research on the major social studies entitled "Invisible Environmental Construction Research".
此課題作為2022年度國家社科基金重大項目中無障礙領域的唯一課題，共設有五項子課題，由清華大學牽頭，基於數字人民幣無障礙能力建設在支付和金融服務領域的影響力，數研所受邀作為子課題之一的牽頭單位，將聚焦當前支付無障礙領域存在的突出問題，發揮數字人民幣生態體系合力，助力支付無障礙發展。
The subject, which is the only topic in the non-obstructed domain of the 2022 National Social Welfare Fund, has five sub-topics, led by the University of Qinghua, based on the influence of the digital currency in the area of payment and financial services. The Institute has been invited as one of the leading units of the sub-topics to focus on the outstanding problems of the current payment of the barrier-free domain, and to develop a combination of the digital people’s monetary system to help pay for the barrier-free development.
Thunes首席執行官 Peter De Caluwe
Peter De Caluwe, Chief Executive Officer of Thunes
政策的開放對於跨境交易的開放來講是非常有利的，因為可以增加很多跨境交易、貿易活動，但跨境交易事實上要更側重於符合監管的要求。從Thunes的角度來講，不管是在中國境內或境外，Thunes都將嚴格地遵循當地監管要求。
Policy liberalization is very beneficial for the opening up of cross-border transactions, which can increase many cross-border transactions and trade activities, but are actually more focused on compliance with regulatory requirements. From the Thunes’ point of view, both within and outside China, Thunes will strictly comply with local monitoring requirements.
2023年6月Thunes在北京成立了中國總部，註冊並落戶麗澤金融商務區。我們將同中國的監管機構合作，簡化全球支付體驗，造福中國的企業和消費者，促進國際貿易，提高連接性，同時遵守中國政府和監管機構設定的界限。
In June 2023, Thunes established a Chinese headquarters in Beijing, registered and listed in the Lize Financial Business Area. We will work with China’s supervisory agencies to streamline global payment experiences for the benefit of Chinese businesses and consumers, promote international trade, improve connectivity, and at the same time adhere to the limits set by China’s government and supervisory agencies.
未來，Thunes將繼續堅持解決跨境支付的挑戰，優化全球人民的付款和收款方式，建立一種新的支付體驗，消除距離、文化和貨幣差異帶來的不便，創造一個全球化的金融市場，讓任何人在任何地方都可以無縫、安全、即時地轉賬、匯款或進行商業交易。
In the future, Thunes will continue to insist on resolving the challenges of cross-border payments, optimizing the way global people pay and collect, creating a new payment experience, eliminating the inconvenience of distance, cultural and currency differences, and creating a globalized financial market in which anyone can transfer, transfer or engage in commercial transactions in a seamless, secure and instantaneous manner anywhere.
中國銀行與京東深化數字人民幣戰略合作
共同邁入金融科技新紀元
近日，在中國（北京）數字金融論壇上的數字人民幣應用實踐展示環節，中國銀行與京東在數字人民幣領域的合作宣佈正式進入2.0時代，標誌著兩家企業將基於既往合作，緊密深入探索數字人民幣的研發應用和業態融合，促進生態共用與協同合作，以更優質的方式服務於實體經濟。
In recent days, the digital renminbi on the Chinese (Beijing) digital financial forum should be displayed as a practical link, and the cooperation between the Bank of China and Tokyo in the digital currency area announced the official entry of the 2.0-year era, underscoring that the two companies would build on existing cooperation to explore closely the development applications of the digital renminbi and the integration of industries in order to promote shared and collaborative efforts to serve the real economy in a better manner.
自合作伊始，中行與京東便憑藉在“場景+技術”上的獨特優勢，為廣大客戶帶來了智慧、便捷的數字人民幣服務體驗。無論是在個人消費、金融服務、企業服務、跨境金融還是硬體錢包等領域，雙方都已取得了顯著的合作成果，成功實現了數字人民幣與各種場景的初期融合。
Since the beginning of the partnership, China and Kyoto have brought wisdom and easy access to digital currency services to large clients by virtue of their unique advantages in “scenario plus technology.” In areas such as personal consumption, financial services, corporate services, cross-border finance, and hard-accounts, both sides have achieved remarkable results of cooperation, and have successfully achieved the initial convergence of the digital currency with the various scenarios.
基於中行和京東的攜手合作，在消費領域，雙方在數字人民幣方面的合作商戶數量已近20萬家，使用中國銀行數字人民幣錢包在京東的交易筆數超300萬筆，交易金額達到了15億元。在跨境金融領域，雙方開拓海外市場數幣支付能力，實現京東APP境外來華人士“拉起支付”功能；投産“全球售”場景，支援部分香港地區中行錢包跨境購。在民生領域，實現了京東健康業務的線上全覆蓋，百餘家線下京東健康藥房數字人民幣的服務場景首發上線。
Based on China’s cooperation with Kyoto, in the area of consumption, the number of co-operated traders in the digital renminbi has reached nearly 200,000, the number of transactions in the Chinese bank’s digital currency package has exceeded 3 million and the value of the transaction has reached 1.5 billion yuan. In the cross-border financial field, the two sides have opened up the capacity to pay several dollars in overseas markets, making it possible for Chinese people outside the capital’s APP to “ lift up payments”; and in the “global sales” scene, which supports cross-border purchases of money in some Hong Kong’s districts. In the Chinese domain, full coverage of Kyoto’s health business lines has been realized, and the service landscape of Kyoto’s Health House Number People’s Dollars has been set up in the rest of the country.
一直以來，中國銀行致力於推進數字化轉型，高度重視數字人民幣這一國家金融基礎設施的建設工作，已在系統研發、産品創新和試點推廣等方面取得了一系列的突破。京東科技則依託自身“技術+供應鏈+場景”優勢，不斷推動數字人民幣試點應用在消費端和産業端的落地開花。雙方的發展理念高度契合，致力於為客戶提供全方位服務，在數字人民幣試點推廣應用上形成了有機融合的嶄新模式。
Since then, the Bank of China has been working on a digital transformation, with a high focus on the construction of a country’s financial infrastructure, such as the People’s Dollar, which has made a series of breakthroughs in system development, innovation, and project promotion. In keeping with its “Technology + Supply Chain + View” advantage, Kyoto technology has been pushing the digital renminbi test point to be used to open up on the cost side and on the industry side.
展望未來，中行與京東攜手邁入數字人民幣合作2.0時代，雙方將共同研究和創造更多數字人民幣的應用場景，為消費者提供更加便捷、智慧的服務。深化雙方在供應鏈金融、智慧合約、跨境金融及新興産業等領域的戰略合作，加速企業服務佈局，共同構建一個更加開放、創新、互聯的數字人民幣服務生態體系，為推動我國金融行業的數字化轉型和高品質發展作出貢獻，為金融科技創新寫下新的篇章。
Looking to the future, China and Kyoto will work together to develop and create a digital currency application in the 2.0-year era. Both sides will contribute to the digital transformation and high-quality development of our financial sector by deepening their strategic cooperation in supply chain finance, intellectual contracts, cross-border finance, and new industries, accelerating corporate service layouts, and building a more open, innovative and interconnected digital people’s currency service system that will contribute to the digital transformation and high-quality development of our country’s financial sector.
花享經濟 數説未來
{\bord0\shad0\alphaH3D}Economy of the future {\bord0\shad0\alphaH3D}
數字金融賦能花卉産業高品質發展主題分論壇舉辦
The Digital Financial Empowerment for High-Quality Development Theme Forum
近日，2023中國（北京）數字金融論壇在豐臺開幕。下午，以“花享經濟 數説未來”為主題的數字金融賦能花卉産業高品質發展分論壇在麗澤舉辦。北京市園林綠化局、豐台區人民政府等行業主管部門及屬地政府負責人，金融機構、相關花卉企業負責人，以及高校智庫專家學者等齊聚一堂，圍繞數字化賦能花卉産業高品質發展、金融助力花卉産業升級、花卉産業創新突破等議題，通過剖析經濟、金融以及花卉産業的新趨勢、新路徑、新業態，深度交流如何通過引入金融活水激活花卉産業數字化、創新化發展，打造新型花卉經濟，賦能鄉村振興。
In the afternoon, the digital financial gift, which is focused on “the economy’s number of futures,” was organized in Lise. The executives of the Beijing Gardens Greening Bureau, the people’s government of the Mandarin District and their local governments are responsible for people, financial institutions, managers of flower-related industries, and intellectuals and academics from high-level schools, gathering around issues such as the high quality of the flower industry, the upgrading of the financial-aided flower industry, new breakthroughs in the flower industry, and the new breakthroughs in the flower industry, through the analysis of the economy, finance and the new developments in the flower industry, new paths, new industries, and deep exchanges on how to activate the flower industry by introducing active financial water, and to build a new flower economy that can empower the village.
歷史遇見未來，花卉産業實現煥然新生
♪ Strong ♪ ♪ History meets the future ♪ ♪ The flower industry is new ♪ ♪ ♪/ strong ♪ ♪
豐臺玉泉營草橋村，自古以來就是著名的“花鄉”，泉甘土沃，花繁香幽，是中國北方地區重要的花卉集散中心、現代花卉産業集聚區。近年來，豐台區通過實施各項利好政策，整合各類資源，不斷賦能花卉産業的數字化、信息化、智慧化發展，“倍增追趕、合作發展”三年行動計劃，更為花卉産業帶來了前所未有的發展機遇和創新驅動力。通過打造具有重要影響力的國家級花卉交易平臺和花卉産業創新示範基地，建設“一核多點 活力飄帶”特色活力中心，豐台區正在積極探索數字交易新模式，持續完善花卉供應鏈服務體系和産業生態。
In recent years, through the implementation of good policies to integrate resources into the digitalization, informationization, intellectual development of the flower industry, the three-year program of “double pursuit, collaborative development” has brought unprecedented opportunities and new impetus to the flower industry. By building a new demonstration base for high-impact state-level flower-trading platforms and flower-making industries, the region is developing a dynamic centre characterized by “a multipoint dynamic zone” where digital trading models are being actively explored, with continuous refinement of the flower-based service delivery system and industry dynamics.
玉泉營街道相關負責人表示，目前街道緊跟區委區政府部署，通過成立發展聯盟構建合作“朋友圈”，對接各級平台資源架起溝通橋梁，聚焦花卉特色提供全要素保障、全流程服務，深耕歷史文脈打造文創品牌，推動地區花卉特色産業“提檔升級”。
According to the manager in charge of Camp Yu Quan, the streets are currently closely following the district government's deployment, building a collaborative “friendship circle” through the establishment of the Development Alliance, connecting the platforms to the bridge, focusing on flower features to provide full factor security, full process service, deep-deep historical art and branding, and promoting the “upgrading” of the local flower industry.
數字金融賦能，探索産業發展新模式
近年來，數字金融技術快速發展，數字金融已成為花卉産業高品質發展不可或缺的支撐要素。國內首批電子政務和行業大數據項目實踐者、教育部信息化專家、中國城市經濟研究院副院長黃儒樂表示，數字化賦能是驅動花卉産業轉型升級與高品質發展的重要動力，推進花卉産業數字化，應以數據為關鍵要素，以價值釋放為核心，以數據賦能為主線，這其中需要政府、行業、企業的共同推動。北京作為全球科技創新中心，可以承擔起依託數字化賦能打造並示範花卉産業科創高地，引領全國乃至全球花卉産業高品質發展的重要使命。
In recent years, digital finance has developed rapidly, and digital finance has become an indispensable support element for high-quality development in flower industries. The country’s first major electronics and industry data promoters, the Ministry of Education’s informatization expert, and the Vice-President of the Chinese Urban Economic Research Institute, Huang Juulaire, have stated that digitalization can be an important driving force in the upgrading and high-quality development of flower industries, moving them into digitalization, using data as a key element, with value release at its core, and with digital empowerment as a key element that requires joint government, industry, and business initiatives.
國研智庫産業協同創新中心執行主任、中智科博産業經濟發展研究院院長黃永剛則前瞻性地指出，花卉産業要進一步打通生産、交換、分配、消費各環節的梗阻，形成更加暢通的經濟迴圈，重點將價值鏈高端環節規模化聚集豐臺，倍增千億級産業，引領産業高端人才聚集。談及市場表現，北京清控人居環境研究院總工程師安友豐表示，通過數字金融技術建立花卉産業供應鏈金融服務體系，不僅可以為花卉企業提供更快速、便捷的融資服務，還能幫助企業拓展市場，提高品牌影響力，促進産業發展，未來二者的聯繫將會更加緊密。
In a forward-looking development, Huang Yonggang, Director-General of the National Institute of Research and Innovation and Director of the Institute of Economic Development of the Mid-Scientific Science and Technology, pointed out that the flower industry needed to build a more seamless economic circle, with a greater focus on multiplying the value chain’s high-end environment, adding hundreds of billions to the industry, leading to the emergence of high-level talent in the industry. At the market level, Antoon, the chief engineer of the China-Change Environmental Institute in Beijing, said that the creation of a software-supply financial service system through digital finance technology would not only provide faster and easier integration services for flower companies, but would also help businesses to expand their markets, increase their brand influence and promote growth, and the future linkage between them would be even more tight.
談及具體的數字金融服務措施，北京先農投資管理有限公司董事長、總經理袁雲濤表示，現代種業發展基金將全力助推花卉種業振興，積極探索在花卉産業實現集聚資源要素、促進轉型升級和實現長期健康發展的新實踐。中國銀行北京豐臺支行副行長李妍也表示，將按照“一企一策、一事一議”原則，結合“花鄉花木市場客群”經營模式及特點，創新設計産品，提升服務質效，為花卉産業鏈上下游企業開通融資綠色通道，就解決花卉産業融資問題持續發力。
Referring to specific digital financial services measures, Yang Yun, President and Managing Director of Beijing’s Pioneer Investment Management Corporation, has stated that the current EDF will contribute fully to the development of the flower industry by actively exploring the elements of a pool of resources available in the flower industry, the promotion of transformational upgrading, and the development of long-term healthy development. The Vice-President of the Beijing Fukuta branch of the Bank of China, Lee Yeon, has also said that, in accordance with the “one-size-fits-all” principle, he will combine the business model and features of the Flower Country Market Group, creating new design products, enhancing service effectiveness, and creating an inclusive green corridor for downstream companies in the flower chain.
同為見證行業發展的“弄潮兒”，值得買科技戰略運營副總裁張艾潮基於在大消費産業的實踐經驗，對花卉産業供應端、運營端和消費端整體的消費價值鏈進行了梳理研判，進一步闡述金融和數字經濟有效賦能花卉産業的價值邏輯，並結合當下政策導向，為花卉産業運營平臺如何承載數字金融的賦能指出思考方向。中國花卉協會零售業分會副秘書長、深圳市跳舞蘭科技有限公司董事長何思波也表示，數字經濟、數字金融一直在影響推動著花卉零售行業發展，花卉零售行業將迎來新機遇，走向高品質發展必將得到數字金融的更多支援。
Along with the “tide” that has witnessed the development of the industry, it is worth buying from the Vice-President of the Technology Strategic Operation Acid, who based his experience in the large-costing industry, through a review of the entire value chain of the flower industry’s supply, operation and consumption industry, further explaining the value logic of the financial and digital economy’s effective development of the flower industry and combining current policy direction on how to carry out digital finance for the flower industry. The Vice-Secretary of the Chinese Flowers Association’s retail branch, and the Director of the Shenzhen Dance Land Technology Ltd. also said that the digital economy, digital finance, has been influencing the development of the flower retail industry, which is about to come up with new opportunities, and that the development of the flower retail industry will be supported more by digital finance.
服務首都建設，助力産業高品質發展
Services capital construction for high-quality industrial development
作為地區花卉産業頭部企業，花鄉花木集團2023年上半年已完成合同收入3.2億元，實現了快速增長。目前正在建設以交易為核心、産業配套服務和科技研發為兩翼的花卉全産業鏈數字化服務平臺。該平臺將聚焦花卉數字交易、花卉服務和進出口貿易等內容，通過覆蓋全産業鏈多場景實現線上一體化閉環交易，打造花卉産業網際網路“超級底座”。花鄉花木集團董事長林巧玲這樣向與會嘉賓介紹，“目前與荷蘭、英國等國家的花卉研發機構建立合作關係，其中已同荷蘭打通國際貿易標準化流通服務體系，為荷蘭鬱金香生産商、貿易商、育種者搭建與中國之間的鬱金香網際網路貿易橋梁，共同促進北京花卉國際貿易平臺鬱金香種球交易。下一步，集團也將積極融入全球經濟發展大格局，與國際客商對接資源服務，共用發展機遇。”
This platform will focus on flower digital trading, flower services, and easy access to exports, by covering a wide range of landscapes in the Netherlands, creating a closed-door business, and creating a “super-lower seat” on the flower industry web. In this way, the Director-General of the flower industry group, Lin Xiaoling, introduced to the United States of America, “the current collaboration with flower development institutions in Holland, the United Kingdom, etc., which are already working with the Dutch World Trade Center to standardize the circulation of services, to integrate the global market into the global market, and to integrate the global market with the international market.
北京市園林綠化局相關負責人表示，數字金融的創新規範發展，需要社會各界共同努力、共同推動、共同建設。未來，北京市將統籌構建“線上線下融通、跨金融機構互通”的新型服務業態，深入探索“金融+産業+生態”服務模式，為深入實施鄉村振興戰略，服務首都建設全球數字經濟標桿城市和花園城市建設作出新的積極的貢獻。
In the future, the city of Beijing will work together to develop a new service industry that is “up-to-the-line, cross-financial and inter-financial” to explore in depth the “financial + industry + biology” service model, making a new and significant contribution to the implementation of the Village Stimulus Strategy, and to the development of a global digital economy and a garden city.
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