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非银行金融行业研究:数字人民币专题,应用场景空间广阔{附下载}

  • 2026-03-30 04:31:10
非银行金融行业研究:数字人民币专题,应用场景空间广阔{附下载}

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数字人民币是央行发行的数字形式的法定货币，具有法偿性、安全性、高便捷性、可编程性等特点。2026 年 1 月 1 日，数字人民币定位由 M0 升级为 M1，能够增强个人及企业持有数字人民币的意愿、激发商业银行的推广动力。

数字人民币采用双层运营体系，央行负责数字人民币的发行、注销等，指定运营机构提供数民币兑换、流通支付等服务，并承担相应的合规和反洗钱责任。经历多年发展，目前已形成 10 家运营机构参与、更多银行及非银行机构响应、17个省市区的 26 个地区试点的状态，截至 2025 年 11 月末，数字人民币累计处理交易 34.8 亿笔，累计交易金额 16.7万亿元。通过数字人民币 APP 开立个人钱包 2.3 亿个，数字人民币单位钱包已开立 1884 万个。

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  134. /yingpanguazai/ssd/ssd1/www/e.15386.cn/vendor/topthink/think-view/src/Think.php ( 8.38 KB )
  135. /yingpanguazai/ssd/ssd1/www/e.15386.cn/vendor/topthink/framework/src/think/contract/TemplateHandlerInterface.php ( 1.60 KB )
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  137. /yingpanguazai/ssd/ssd1/www/e.15386.cn/vendor/topthink/think-template/src/template/driver/File.php ( 2.41 KB )
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  139. /yingpanguazai/ssd/ssd1/www/e.15386.cn/runtime/temp/99024188178db16440710d184953c4ae.php ( 12.06 KB )
  140. /yingpanguazai/ssd/ssd1/www/e.15386.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000423s ] mysql:host=127.0.0.1;port=3306;dbname=e_15386;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000521s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000250s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000252s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000493s ]
  6. SELECT * FROM `set` [ RunTime:0.000210s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000566s ]
  8. SELECT * FROM `article` WHERE `id` = 458074 LIMIT 1 [ RunTime:0.000509s ]
  9. UPDATE `article` SET `lasttime` = 1775187391 WHERE `id` = 458074 [ RunTime:0.017772s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.004900s ]
  11. SELECT * FROM `article` WHERE `id` < 458074 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000607s ]
  12. SELECT * FROM `article` WHERE `id` > 458074 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001619s ]
  13. SELECT * FROM `article` WHERE `id` < 458074 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001651s ]
  14. SELECT * FROM `article` WHERE `id` < 458074 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.005968s ]
  15. SELECT * FROM `article` WHERE `id` < 458074 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.011387s ]
0.119128s