Digital RMB becomes the new darling of capital market

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Digital RMB has become a "new favorite" in the capital market, and its application scenarios continue to expand, which is expected to drive hundreds of billions of investment
Source: Securities Times net
Original title: Digital RMB has become the "new favorite" of the capital market, and its application scenarios continue to expand, which is expected to drive hundreds of billions of investment
As the opening ceremony of the Beijing Winter Olympic Games is approaching and the digital RMB pilot application scenarios continue to expand recently, the digital RMB APP, which has been online for less than a month, continues to see increasing downloads in many mainstream mobile phone brand application markets.
According to the statistics of securities Times · E Company, as of January 28, huawei app market has been downloaded 13.05 million times; Vivo app market has been downloaded 10.68 million times; Xiaomi's app market has been downloaded 5.07 million times; The OPPO app market has been downloaded 1.78 million times, and the four stores have been downloaded more than 30 million times.
Behind this set of data can be regarded as the rapid landing of digital RMB in the consumption pilot scenario. From the perspective of industry, Essence Securities Research report is even more blunted, only from the commercial bank side of the infrastructure and system reconstruction estimated, the whole digital RMB transformation is expected to drive a total of 116.5 billion investment scale.
Digital currency concept listed companies have also become the focus of investors. According to the reporter statistics, nearly three months, in the Shenzhen Stock Exchange interactive platform, investors involved in digital RMB questions up to 861, and the Shanghai Stock Exchange E interaction involving digital RMB issues also more than 100, digital RMB heat can be seen. In the secondary market, WIND data shows that the digital currency index has risen more than 36% at its highest in the past three months, and has risen 21% in total despite the correction in the broader market in recent days. In terms of individual stocks, new Cape (300248) rose more than 91%, Hengbao (002104) rose 51%, Xinguo (300130), HailianJinhui (002539) Winshisheng (300377) and other stocks rose more than 30%.
However, there are also industry insiders on the digital currency concept stocks hint of risk. "The rise of the digital currency sector is mainly benefited from the digital RMB, the digital RMB is about to enter the stage of full implementation, it is expected that the Winter Olympics will be the last round of new scene pilot, and the full implementation is also expected to change the current payment industry format, for related sectors to enhance the performance imagination space, thus promoting the stock rise. Investors should pay attention to the risks of stocks with large early gains." Zhongnan University of Economics and Law digital Economy Research Institute executive dean Pan Helin told reporters.
Pilot scenarios continue to expand
With the countdown to the Opening ceremony of the Beijing Winter Olympic Games and the Approaching Spring Festival in the Year of the Tiger, there are frequent reports of the rapid implementation of digital RMB in the pilot application scenarios. On January 18, the State Information Office held a press conference on 2021 financial statistics and disclosed a set of data. By December 31, 2021, more than 8,085,100 digital RMB pilot scenarios had been opened, 261 million personal wallets had been opened, and the transaction amount was 87.565 billion yuan. The pilot has effectively verified the technical design, system stability, product ease of use and scene applicability of digital RMB business, and enhanced the public's understanding of the design concept of digital RMB.
This means that since 2021, the construction of the digital RMB scene has been accelerated and its coverage has been continuously expanded online and offline. It is reported that the People's Bank of China has launched digital RMB pilot programs in Shenzhen, Suzhou, Xiongan, Chengdu, Shanghai, Hainan, Changsha, Xi 'an, Qingdao, Dalian and the 2022 Beijing Winter Olympic Games, basically covering the Yangtze River Delta, Pearl River Delta, Beijing-Tianjin-Hebei, central, western, northeast, northwest and other regions.
It is worth mentioning that the Winter Olympic Games will be a new opportunity for the comprehensive promotion of digital RMB. Guotai Junan Research newspaper believes that the Winter Olympics are approaching, digital currency may be further catalyzed. The pilot project will focus on areas within the security red line for the Winter Olympics, with the main goal of ensuring and facilitating payment choices for domestic and foreign consumers. In addition to mobile APP wallets, foreign consumers can also use digital yuan hardware wallets, and the large-scale trial is expected to be an opportunity to promote the full use of digital yuan.
At present, the landing of digital RMB in the Beijing Winter Olympics is a bright spot. By the end of 2021, Beijing has opened more than 12 million digital yuan personal wallets and 1.3 million public wallets, covering more than 400,000 scenes of the Winter Olympics including food, accommodation, travel, tourism, shopping, entertainment and medical services, with a transaction value of 9.6 billion yuan, according to the Beijing Financial Regulatory Bureau on January 26.
Zhou Maohua, macro-researcher of financial Market Department of Everbright Bank, told the Securities Times that digital RMB application scenarios are expanding, mainly digital RMB technology continues to mature, related infrastructure is also constantly improving, laying a solid foundation for the promotion of digital RMB application scenarios; At the same time, to accelerate the promotion of digital RMB objectively requires digital RMB to continuously enrich the application scenarios, so that people can use it and truly feel the experience of using digital RMB.
The use experience of this pilot scenario is also reflected in local life and e-commerce consumption platform. On January 26, Meituan announced that it would open the digital RMB payment channel for all offline consumption scenarios on its platform, covering more than 200 offline consumption scenarios including catering, takeout and fresh retail. Jd.com recently added a new online consumption scene to its App, allowing users to make payments using the digital YUAN "hardware wallet", which has already enabled third-party merchants to access the digital yuan system.
On the other hand, with the continuous expansion of digital RMB application scenarios, the number of digital RMB APP downloads continues to rise.
The digital RMB APP was launched in major APP stores on January 4 this year. In less than a month, the number of digital RMB APP downloads in the APP market of many major mobile phone brands has achieved an important breakthrough. According to the reporter's statistics, as of January 28, huawei's app market has been downloaded 13.05 million times. Vivo app market has been downloaded 10.68 million times; Xiaomi's app market has been downloaded 5.07 million times; The OPPO app market has been downloaded 1.78 million times, and the four stores have been downloaded more than 30 million times.
Pan Helin told the Securities Times that the time node of the full implementation of digital RMB is approaching, especially before the digital RMB APP is put on the shelves of major application stores, although it is still in the pilot, but it is obvious that the pilot of digital RMB is nearing the end, digital RMB speeds up and the combination of application scenarios, On the one hand, it provides more practical experience for the full implementation of digital RMB in the future. On the other hand, it also achieves popularization in pilot areas through the combination of application scenarios.
Broad application prospect
Digital RMB is the legal tender of digital form issued by People's Bank of China. The significance of developing digital currency in China is self-evident.
In Zhou Maohua's opinion, according to the statement of the Central bank, digital RMB will mainly replace M0 in the future, that is, the electronic paper currency in circulation; And it is expected that the digital yuan and paper currency will coexist for a long time. "The development of the digital RMB is mainly to meet the internal needs of the development of the domestic digital economy; At the same time, improve economic efficiency and give full play to the universal benefits of digital currency. "Digital RMB has the advantages of being green, safe and reliable, convenient and quick, reducing transaction costs and improving transaction efficiency, and helping prevent money laundering."
"The purpose of the digital yuan is mainly to restore some cash transactions." Pan Helin believes, "Objectively, there will be consideration of RMB internationalization in the future, as well as consideration of expanding the use of payment functions in the new scenarios combined with the new scenarios. "At this stage, however, it is important to restore some of the functions of cash transactions because of the lack of use of cash due to its decreased convenience in the digital age."
Despite the rapid development of digital RMB in the pilot area, some industry insiders believe that compared with traditional electronic payment methods, the overall proportion of digital RMB payment is relatively small, and the dependence formed by traditional payment methods may restrict the promotion of digital RMB.
Li Lihui, head of the blockchain research team of the Internet Finance Association of China and former president of the Bank of China, publicly said that from the transaction scale, the digital RMB plate is still small and the application scope is still very limited, which also shows that the application prospect of digital RMB is very broad in the future. "For the digital renminbi to fully reflect its social and economic value, it must be scaled up. The premise of scale has two aspects: one is the standard of the underlying technology, and the other is the popularization of application scenarios."
"There are two main aspects that determine the success or failure of the digital RMB. Security is realized through technology accumulation, and convenience is realized through scene fusion and open interface. "Security includes both anonymity and control, such as scene transactions, and anonymity protects personal information. The other point is convenience, including the convenience of users, especially the convenience brought by the integration of many scenarios, but also the convenience of scene access. Digital RMB payment should be open, not limited to existing scenarios."
In terms of technology, Pan and Lin also believe that the digital RENMINBI should be based on the long-term technical layout. "Since it is difficult to reverse the trading rules after the formal implementation of the digital RMB, the technical aspect must be once and for all and the technical layout should be based on the long-term. In the pilot area, with the launch of the DIGITAL RMB APP, the scope of the pilot area should be expanded as soon as possible, so that more people can participate in the pilot. It is also a test on the technical level to see the bearing capacity of the digital RMB to cope with payment."
Zhou Maohua pointed out that in the future, digital RMB technology should be constantly improved, and people's experience of the safe, efficient and convenient use of digital RMB will be constantly enriched, and the depth and breadth of application scenarios will be enhanced accordingly. "Considering the innovation of digital RMB scenarios, the application scenarios covered by digital RMB will cover the application scenarios of paper currency. Increase the popularization of digital RMB knowledge, constantly improve technology, encourage businesses to innovate application scenarios, improve the use experience; At the same time, the digital RMB anti-counterfeiting supervision will be strengthened."
Indeed, officials have pointed the way for the next step in the development of the digital yuan. The People's Bank of China's financial market department chief priests Zou Lan said publicly in the near future, the next step will continue to push forward with the safe digital research and development of the pilot, the further deepening in the retail trade, life expends, e-government service scenarios such as pilot use digital yuan, the number of the yuan development pilot arrival to service the real economy and the people life, More enterprises and individuals can feel the value of digital RMB, and fully stimulate the enthusiasm of all parties in the industry.
Investor focus
With the continuous deepening of digital RMB pilot and scenarios, relevant fields will usher in an industrial revolution, and investment opportunities in the secondary market also attract high attention of the market.
According to the reporter statistics, since nearly 3 months, in the Shenzhen Stock Exchange interactive platform, investors involved in digital RMB questions up to 861, and the Shanghai E interactive digital RMB issues also more than 100, digital RMB heat can be seen.
From the secondary market, the recent period of time, digital currency plate or the top. In the past three months, the digital currency index has risen more than 36 per cent at its peak, according to Wind data. Despite the correction in the broader market in recent days, the index has also risen 21 per cent. In terms of individual stocks, the cumulative increase of New Cape has exceeded 90%, and that of Huobao has increased by 51%. The cumulative increase of Xindu, Hailian Jinhui and Winshisheng has also exceeded 30%.
In Zhou Maohua's view, the rise of digital currency plate is mainly the market to accelerate the promotion of digital RENMINBI expectations. "At present, the domestic digital RMB is also a pilot application, it is expected that after the application of the Winter Olympics, the digital RMB is expected to enter the full promotion period. And the market is optimistic about the promotion of digital RMB will be good for the upstream and downstream industry chain enterprises."
It is worth noting that the digital currency industry chain is long, and it is generally believed that the promotion and construction process involves system construction, software and hardware wallet, payment and receipt, security and encryption, and some brokers predict that it will drive investment in related fields of more than 100 billion yuan.
According to the research report of Essence Securities, the digital RMB industry includes system transformation manufacturers on the bank side, financial equipment enterprises, converged payment manufacturers, encryption algorithm providers and enterprises related to application scenarios. "We only estimate from the commercial bank side of the infrastructure and system transformation, the whole digital RMB transformation is expected to drive a total investment scale of 116.5 billion yuan, including ATM transformation market 50.7 billion yuan, smart counter machine market 11.4 billion yuan, POS market 19.2 billion yuan, hard wallet market 33.9 billion yuan, bank IT system transformation market 1.3 billion yuan."
"The biggest change in digital RMB is related to all aspects of payment, while digital RMB involves the transformation and upgrading of all aspects of the banking system to support the development of relevant payment business." Yu Xin Technology (300674) assistant president, GENERAL manager of research and development center Shen Bo said in an interview with securities Times · E company reporter.
In Shen's opinion, digital RMB involves four links: first, the central bank is responsible for the issue link; Ii. Nine banking institutions are responsible for the operation of digital RMB; 3. Cooperative operation institutions include commercial banks and non-bank payment institutions; 4. Consumption link.
The transformation of related industries also brings certain development opportunities to related listed companies. Take Yuxin Technology as an example. The company recently disclosed on the interactive platform that Yuxin technology positioned itself as an application software developer and participated in the second, third and fourth links of digital RMB in the past two or three years, especially in the second and third links.
Shen Bo also told reporters that Yuxin technology has its own unique advantages in the development of digital RMB, including the company's deep participation in the construction of digital RMB operation of several large banks, and has begun to help several small and medium-sized banks in the access end and payment end to provide solutions. In 2022, the company will further integrate resources and increase the scheme research and product r&d of digital RMB in all business lines.
In addition to the bank IT system transformation, hardware equipment field and digital encryption and other industries are also attracting investors' attention.
In terms of financial instruments, Broadcasting express (002152) said on the interactive platform on January 27 that the company's digital RMB smart ATM supports a variety of functions such as opening personal digital wallet, issuing hard wallet and top-up withdrawal. Among them, the digital RMB hard wallet is mainly physical card type, supporting dual offline payment, using the method is similar to the bus card, convenient for the elderly and children who cannot carry mobile phones.
In terms of data encryption, principal Century (688201) recently said in the interactive platform, digital currency is one of the many application scenarios of the bank, the company's products are applicable to protect the security of digital currency, from the open bidding website can be checked, the company won the bidding of The Bank of Beijing digital currency project signature server and other information.
"Digital RMB as alternative M0, the pilot scenario has been expanding wai, the future of the entire business ecological impact remains to be seen, but from the perspective of the industrial chain with digital renminbi pilot and spread steadily, to positive number RMB upstream and downstream industry chain, such as digital authentication, encryption technology, system reformation, payment transaction terminal equipment, etc." Zhou Maohua told reporters.

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数字人民币成资本市场“新宠”，应用场景不断扩围，有望带动千亿投资

来源：证券时报网

　　原标题：数字人民币成资本市场“新宠”，应用场景不断扩围 ，有望带动千亿投资

　　伴随着北京冬奥会开幕式将至，以及数字人民币试点应用场景近期不断扩围，上线还不到一个月的数字人民币APP在多家主流手机品牌应用市场的下载量持续攀升。

　　据证券时报·e公司记者统计，截至1月28日发稿时，华为应用市场累计下载量1305万次；vivo应用市场累计下载量1068万次；小米应用市场累计下载量507万次；OPPO应用市场178万次，4家商店合计下载量已经超3000万次。

　　这组数据的背后可以视为数字人民币在消费试点场景下的快速落地。从产业维度看，安信证券研报更是直言，仅从商业银行侧基础设施和系统改造测算，整个数字人民币改造有望带动合计1165亿的投资规模。

　　数字货币概念上市公司也成为投资者关注的焦点。据记者统计，近三个月以来，在深交所互动平台上，投资者涉及数字人民币的提问多达861条，而上交所e互动涉及数字人民币的问题也超过百条，数字人民币热度可见一斑。 在二级市场方面，WIND数据显示，近三个月以来，数字货币指数最高涨幅超过36%，虽然经历了大盘近几日的调整，但该指数累计涨幅也高达21%。个股方面，新开普（300248）累计涨幅超过91%，恒宝股份（002104）涨幅为51%，新国都（300130）、海联金汇（002539）赢时胜（300377）等累计涨幅也都超过30%。

　　不过，也有业内人士也对数字货币概念股提示了风险。“数字货币板块的上涨主要受益于数字人民币，数字人民币即将进入全面落地阶段，预期冬奥会将是最后一轮新场景试点，而全面落地也有望改变当前支付行业业态，对于相关板块提升了业绩想象空间，从而推动股票上涨。对于前期涨幅较大的个股，投资者应该注意风险。”中南财经政法大学数字经济研究院执行院长盘和林对记者表示。

　　试点场景持续扩围

　　伴随着北京冬奥会开幕式进入倒计时以及虎年春节将至，数字人民币在试点应用场景快速落地的消息频出。 1月18日，国新办举行2021年金融统计数据新闻发布会披露了一组数据，截至2021年12月31日，数字人民币试点场景已超过808.51万个，累计开立个人钱包2.61亿个，交易金额875.65亿元，试点有效验证了数字人民币业务技术设计及系统稳定性、产品易用性和场景适用性，增进了社会公众对数字人民币设计理念的理解。

　　这意味着，2021年以来，数字人民币场景建设加速推进，线上线下不断扩围。据了解，目前，人民银行已经在深圳、苏州、雄安、成都、上海、海南、长沙、西安、青岛、大连等地和2022年北京冬奥会场景开展数字人民币试点，基本涵盖了长三角、珠三角、京津冀、中部、西部、东北、西北等不同地区。

　　值得一提的是，冬奥会将是数字人民币全面推广的新契机。国泰君安研报认为，冬奥会临近，数字货币或受进一步催化。数字人民币冬奥场景试点将重点聚焦冬奥安保红线内区域，以保障和便利境内外消费者支付选择为主要目标。除了手机APP钱包，外国消费者还可以使用数字人民币硬件钱包，这次大规模试点有望成为全面推广数字人民币的契机。

　　而目前数字人民币在北京冬奥会场景的落地可谓亮点纷呈。1月26日，记者从北京市金融监管局获悉，截至2021年底，北京市已开立数字人民币个人钱包超1200万个，对公钱包超130万个，覆盖食、住、行、游、购、娱、医等冬奥全场景40余万个，交易金额达96亿元。

　　光大银行金融市场部宏观研究员周茂华对证券时报记者表示，数字人民币应用场景不断扩围，主要是数字人民币技术不断成熟，相关基础设施也在不断完善，为数字人民币应用场景推广奠定坚实基础；同时，加快数字人民币推广，客观上要求数字人民币不断丰富应用场景，让人们使用起来，切实感受数字人民币使用体验。

　　这种试点场景的使用体验，也体现在本地生活以及电商消费平台上。1月26日，美团宣布将为平台的线下消费全场景开放数字人民币支付通道，包括了餐饮、外卖、生鲜零售在内的美团平台200多个线下消费场景。近日，京东App又增加了新的线上消费场景，用户可以在京东体验使用数字人民币“硬件钱包”贴一贴支付，此前，京东已经实现了第三方商家接入数字人民币系统。

　　另一方面，伴随着数字人民币应用场景的不断扩围，数字人民币APP下载量也在持续攀升。

　　今年1月4日数字人民币APP在各大应用商店上线，目前还不到一个月的时间，多家主流手机品牌应用市场里的数字人民币APP下载量已收获重要突破。据记者统计，截至1月28日，华为应用市场累计下载量1305万次；vivo应用市场累计下载量1068万次；小米应用市场累计下载量507万次；OPPO应用市场178万次，4家商店合计下载量已经超3000万次。

　　盘和林对证券时报记者表示，数字人民币全面落地的时间节点正在临近，尤其是之前数字人民币APP上架各大应用商城，虽然依然在试点当中，但很显然数字人民币的试点已经接近尾声，数字人民币加快和应用场景结合，一方面为未来数字人民币全面落地提供更多实践经验，另一方面也是通过应用场景结合的方式，在试点地区先行实现普及。

　　应用前景广阔

　　数字人民币是中国人民银行发行的数字形式的法定货币，我国发展数字货币的意义不言而喻。

　　在周茂华看来，根据央行的表态，数字人民币在今后一段时期主要是替代M0，也就是流通中的纸币电子化；并且预计数字人民币与纸币将在很长一段时间内共存。“发展数字人民币主要是顺应国内数字化经济发展内在需求；避免货币发行权旁落，同时，提升经济效率，充分发挥数字货币的普惠特性等。数字人民币具备绿色环保、安全可靠、便利快捷、降低交易成本、提升交易效率等特性，以及有助于防范洗钱等优点。”

　　“数字人民币的目的主要是恢复一部分现金交易。”盘和林认为，“客观上，未来也会有人民币国际化的考虑，也会有和新场景结合，拓展支付功能在新场景中使用的考量。但现阶段主要还是恢复一部分现金交易功能，因为数字时代，现金便利性下降导致使用量不足。”

　　尽管数字人民币在试点范围内发展快速，但有业内人士认为，相比传统电子支付方式，数字人民币支付整体占比较小，传统支付方式形成的依赖或将制约数字人民币的推广。

　　中国互联网金融协会区块链研究组组长、中国银行原行长李礼辉公开表示，从交易规模看，数字人民币盘子还较小，目前的应用范围还十分有限，也说明数字人民币未来的应用前景非常广阔。“数字人民币要充分体现它的社会价值和经济价值，必须实现规模化。规模化的前提有两个方面：一是底层技术达标，二是应用场景普及。”

　　“决定数字人民币成败主要包括两大方面，安全性通过技术积累实现，便利性通过场景融合和开放接口实现。“盘和林表示，“安全性既包括匿名性，也包括可控性，比如场景交易，匿名性保护个人信息。另一点是便利性，包括用户的使用便利，尤其是诸多场景融合所带来的的便利性，同时还包括场景接入的便利性，数字人民币支付功能应该具有开放性，不应该局限于已有场景。”

　　在技术方面，盘和林还认为，数字人民币的相关技术布局应立足长远。“由于数字人民币正式落地之后，很难对交易规则反过来做调整，所以技术方面务必一劳永逸，技术布局立足长远。试点地区，随着数字人民币APP的上线，尽快扩大试点区域范围，让更多的人参与到试点当中，同时也是对技术层面的一些考验，看看数字人民币应对支付的承载力。”

　　周茂华指出，未来数字人民币技术应该不断完善，人们对数字人民币使用的安全、高效、便捷方面体验不断丰富，应用场景深度和广度将随之增强。“考虑到数字人民币场景方面创新，数字人民币覆盖的应用场景将涵盖纸币的应用场景范围。加大数字人民币知识普及，不断完善技术，鼓励商家创新应用场景，提升使用体验；同时，加强数字人民币防伪监管。”

　　实际上，官方也为数字人民币下一步发展指明了方向。中国人民银行金融市场司司长邹澜在近期公开表示，下一步将继续稳妥推进数字人民币研发试点，进一步深化在零售交易、生活缴费、政务服务等场景试点使用数字人民币，把数字人民币的研发试点落脚到服务实体经济和百姓生活上去，让更多的企业、个人能感受到数字人民币的价值，充分激发产业各方的积极性。

　　投资者关注焦点

　　随着数字人民币试点以及场景的持续深化，相关领域将迎来一场产业革命，在二级市场的投资机会也引起市场高度关注。

　　据记者统计，近3个月以来，在深交所互动平台上，投资者涉及数字人民币的提问多达861条，而上证e互动涉及数字人民币的问题也超过百条，数字人民币热度可见一斑。

　　从二级市场看，近段时间，数字货币板块涨幅居前。Wind数据显示，近3个月以来，数字货币指数最高涨幅超过36%，虽然经历了大盘近几日的调整，但该指数累计涨幅也高达21%。个股方面，新开普累计涨幅超过90%，恒宝股份涨幅51%，新国都、海联金汇、赢时胜等累计涨幅也都超过30%。

　　在周茂华看来，数字货币板块的上涨主要是市场对数字人民币推广加快有预期。“目前国内数字人民币也都是试点应用，预计冬奥场景应用后，数字人民币有望进入全面推广期。而市场看好数字人民币推广将对其上下游产业链上企业等构成利好。”

　　值得注意的是，数字货币产业链较长，业内普遍认为，推广建设过程中涉及系统建设、软硬件钱包、支付收单、安全加密等产业，有券商更是预测，将带动相关领域投资超过千亿元。

　　安信证券研报显示，数字人民币产业包括银行侧的系统改造厂商、金融机具企业、聚合支付厂商、加密算法提供商以及应用场景相关企业。“我们仅从商业银行侧基础设施和系统改造测算，整个数字人民币改造有望带动合计1165亿元的投资规模，包括ATM改造市场507亿元、智能柜台机市场114亿元、POS改造市场192亿元、硬钱包市场339亿元、银行IT系统改造市场13亿元。”

　　“数字人民币改变最大的就是涉及到支付的各个环节，同时数字人民币涉及银行系统各方面的改造升级，以支撑相关支付业务的开展。”宇信科技（300674）助理总裁、研发中心总经理沈波接受证券时报·e公司记者采访时表示。

　　在沈波看来，数字人民币涉及四大环节：一、央行负责发行环节；二、九家银行机构负责数字人民币运营环节；三、合作运营机构包括商业银行和非银支付机构；四、消费环节。

　　相关产业的改造也给相关上市公司带来一定的发展机遇。以宇信科技为例，公司近日在互动平台披露，宇信科技定位在应用软件开发商的角色，过去两三年在数字人民币的第二、第三、第四环节都有参与，尤其在第二和第三环节参与程度更加深入。

　　沈波还对记者透露，宇信科技在数字人民币发展上有自己的独特优势，包括公司深度参与到某几家大行数字人民币运营建设，以及已开始帮助数家中小银行在接入端和支付端提供解决方案。公司在2022年将会进一步整合资源，在各业务条线将加大数字人民币的方案研究和产品研发。

　　除了银行IT系统改造外，硬件设备领域以及数字加密等行业也备受投资者关注。

　　在金融机具方面，广电运通（002152）1月27日在互动平台表示，公司数字人民币智慧柜员机支持个人数字钱包开立、硬钱包发放和充值提现等多种功能。其中，数字人民币硬钱包主要为实体卡片式，支持双离线支付，使用方法与公交卡类似，方便无法携带手机的老人儿童使用。

　　在数据加密方面，信安世纪（688201）近期在互动平台表示，数字货币是银行诸多应用场景之一，公司产品均适用于保护数字货币安全，目前从公开招标网站能查到，公司中标北京银行数字货币项目签名服务器等信息。

　　“数字人民币定位为替代M0，目前试点场景也在不断扩围，未来对整个商业生态影响仍有待观察，但从产业链角度看，随着数字人民币试点及稳步铺开，将对数字人民币上下游产业链构成利好，例如数字认证、加密技术、系统改造、支付交易终端设备等。”周茂华对记者表示。