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① What are the leading digital currency stocks 000676

Leading stocks: Zhidu Holdings (000676), Zhefu Holdings (002266), Yinzhijie (300085).
Code name:
000676 Zhidu Shares;
002266 Zhefu Holdings;
300085 Yinzhijie;
600517 State Grid Yingda;
601107 Sichuan Chengyu;
300468 Sifang Jingchuang;
300099 Accurate Information;
300418 Kunlun Wanwei;
002197 Zhengtong Electronics;
300773 Lakala.
[Extended information]
Digital money (digital money, electronic money or electronic currency) is a currency that exists in digital form (different from physical objects such as banknotes and coins). It exhibits properties similar to physical currency but allows for instant transactions and borderless ownership transfers. Examples include virtual currencies, cryptocurrencies, and currencies issued by central banks that are accounted for in computer databases (including digital base currencies). Like traditional currencies, these currencies may be used to purchase physical goods and services, but may also be restricted in certain communities, such as in online games.
Electronic gold was the first widely used Internet currency, launching in 1996 and growing to several million users before the U.S. government shut down it in 2008. Users of the e-gold mailing list use the term “digital currency” to describe peer-to-peer payments in a variety of instruments. In 1997, Coca-Cola could be purchased from vending machines using mobile payments. [7] PayPal launched its U.S. dollar-denominated service in 1998. The advent of Bitcoin in 2009 marked the beginning of blockchain-based decentralized digital currency. It has no central server and no physical assets as reserves. Digital currencies based on blockchain, also known as cryptocurrencies, have proven resistant to government attempts to regulate them because no central organization or individual has the power to shut them down.
The origins of digital currencies can be traced back to the dot-com bubble of the 1990s. Another well-known digital currency service is Liberty Reserve, which was founded in 2006; it allows users to exchange US dollars or euros for Liberty Reserve dollars or euros and back and forth freely with a 1% fee. Some digital currency businesses are thought to be used for Ponzi schemes and money laundering, and have been prosecuted by the U.S. government for operating without an MSB license. [9] Q Coin or QQ Coin is used as a commodity-based digital currency on Tencent QQ's information platform and appeared in early 2005. Q coins are very effective in China and they are said to have a destabilizing effect on the yuan due to speculation.

② What is financial technology and what are the reliable companies in China?

Financial technology, as the name suggests, is a combination of finance and technology or technology inThe purpose of application in the financial industry is to solve information asymmetry in the financial industry, improve communication and approval efficiency, improve risk control capabilities and asset liquidity, and reduce operating costs. There are the following common types of technology companies applied in the financial industry: 1. It is an enterprise that provides information software and other Internet infrastructure for financial institutions such as exchanges, banks, insurance, securities, and asset management, such as Hang Seng Electronics, Jinzheng Shares, Yinzhijie, Dingdian Software, etc. The second is for financial institutions and investors Provide information services and other information providers, such as Huashun, Oriental Fortune, and Great Wisdom. The third is Internet companies that use big data, AI, and blockchain to improve the operational capabilities of financial institutions. This type of financial industry is only one of its application branches, and related companies There are more, you can pay attention to them separately!

It is traditional finance + Internet, blockchain,,,,,

From a broad perspective, financial technology is a general term for financial institutions using technology and non-financial institutions to enter financial business.

Specifically, it includes two aspects:

First, financial institutions apply new technologies to improve financial service capabilities. For example, mobile banking allows customers to make inquiries, transfers, borrow money, and manage finances anytime and anywhere. Popular applications include: robo-advisory, quantitative hedging investment, supply chain finance, automated online loans, etc. Technology has transformed everything banks do. The same is true for securities companies, such as online account opening, quantitative investment, etc.

Second, non-financial institutions have begun to enter the financial services field with the help of technology. For example, Ant Financial's Jiebei and Huabei provide loans based on user data and determine business quotas. Ant Fortune uses Internet technology to match financial management and borrowing; MYBank uses new technologies such as Taobao to provide loans to small and micro enterprises. Other players include Weilidai, JD Baitiao, CreditEase’s p2p platform, Lianyirong’s factoring business, etc.

There are many domestic players. Almost all companies with traffic are involved in this field, and some emerging financial platforms have also grown, such as Lufax, CreditEase, etc.

What are the financial technology companies? 2019 China Financial Company Ranking

2019 China's Top Ten Financial Companies Ranking, what are the latest financial technology companies, what are the top ten largest financial companies in the country, China's Internet Finance Ranking every year Changes have occurred. Let me introduce the dragon and tiger list of domestic financial technology companies:

1. Ant Financial-Hangzhou

Operating organization: Zhejiang Ant Small Micro Financial Services Group Co., Ltd.

Registered capital: 15.761 billion yuan

Ant Financial Services Group started with Alipay, which was established in 2004. In March 2013, the parent company of Alipay announced that it would establish a small and micro financial services group as its main body. Small and micro finance (preparatory) became the predecessor of Ant Financial. In October 2014, Ant Financial was officially established.

2. Kaola Credit Information-Beijing

Operating organization: Kaola Credit Information Service Co., Ltd.

Registered capital: RMB 50 million

Kaola Credit Information is an independent and open third-party credit assessment and credit management agency. It is also the first domestically established professional laboratory focusing on big data credit model research. Credit bureaus.

The Kaola Credit it launched is a comprehensive credit service system for government affairs, business, society, legal affairs, and individuals. It uses big data and cloud computing technology to objectively present the credit status of institutions and individuals. By connecting various A service that allows every institution and individual to experience the value brought by credit.

3. JD Digital-Beijing

Operating organization: JD Digital Technology Holdings Co., Ltd.

Registered capital : 3.061 billion yuan

The predecessor of JD Digital Technology is JD Finance. JD Financial Group, operated independently in October 2013, is positioned as a technology company serving financial institutions. Eleven major business sectors have been established - corporate finance, consumer finance, wealth management, payment, crowdfunding and crowd entrepreneurship, insurance, securities, rural finance, financial technology, overseas businesses, and urban computing. In addition to serving financial institutions, JD Finance is also reserving technical capabilities to serve non-financial enterprises and cities, and will provide a wider range of technological services to the whole society.

4. GEO Ji'ao Polymerization-Beijing

Operating organization: GEO Ji'ao Polymerization (Beijing) Artificial Intelligence Technology Co., Ltd.

Registered capital: RMB 50 million

Ji'ao Polymerization is China's leading big data and artificial intelligence scenario-based application platform. The company was founded in Beijing in 2012. It has always adhered to the mission of "artificial intelligence + big data" and is committed to the development concept of product innovation, technological innovation, and model innovation. Since its establishment, it has been awarded the title of National High-tech Enterprise, Zhongguancun High-Growth Enterprise, and Haifan Enterprise, and was recognized as an enterprise science and technology research and development institution in 2015. Selected as a Unicorn from the Torch Center of the Ministry of Science and Technology for three consecutive years, and was awarded the title of "Top Eight Global Financial Technology Innovations in 2018" by The Asian Banker, "The Most Potential Enterprise in China by Ernst & Young Fudan in 2018", and "Top 20 Artificial Intelligence Unicorns in 2018". Authoritative honorary titles such as "Top 50 Artificial Intelligence Innovation Enterprises" and "No. 1 Big Data Innovation Scenario Service Provider Ranking".

5. Lianyirong- Shenzhen

Operating organization: Shenzhen Qianhai Lianyirong Financial Services Co., Ltd.

Registered capital: 236 million yuan

Shenzhen Qianhai Lian Yirong Financial Services Co., Ltd. was initiated by senior managers with senior financial and Internet backgrounds internationally and was established in February 2016 in Shenzhen Qianhai Free Trade Zone, Guangdong Province district. In 2018, it received more than US$220 million in Series C financing. At present, the company's cumulative asset transaction scale totals nearly 30 billion yuan, and it is a domestic leader in the supply chain ABS field.

[The above suggestions are for reference only and please bear at your own risk. The publication of the article may be delayed and the strategy is not timely]

The author represents Jiu Yang is a senior analyst of China Precious Metals Association, certificate number MFP0010878, private investment and financial management consultant. The article does not care about chicken soup and all clichés and false names. It uses concise charts and logical analysis to achieve an effective way of accumulating assets.

Fintech is an industry that uses the Internet, mobile Internet, big data, cloud computing, blockchain, artificial intelligence and other technologies to improve the efficiency of docking funds and assets and promote financial integration. Its goal is still in finance.

There are several listed. For example, CreditEase (its subsidiary Yiqi Cloud Service) is a company listed on NASDAQ in the United States. There are many others, such as Jianqiao and Hesheng, both domestic A-share listed financial technology companies.

Hundsun Electronics, the only awesome company!

Ant Financial. Hang Seng Electronics.

Typical representatives ~ Ping An of China (Financial OneConnect), Ant Financial

Fintech refers to the use of various technological means to innovate the products and services provided by the traditional financial industry to enhance efficiency and effectively reduce operating costs.

China has eight major financial technology companies, all located in the eastern coastal areas. Among them, Alibaba’s Ant Financial is undoubtedly the largest, with a valuation of US$60 billion. The four largest financial technology companies in the world are all Chinese because we have more than 500 million smartphone users and the mobile payment and P2P credit markets are relatively complete.

③ The difference between big data credit reporting and traditional credit reporting

8. Market value

With the rapid development of Internet finance , all mutual gold platforms are blooming, and risk control has become the top priority of each platform. According to 91 credit statistics, 45% of borrowers have multiple debts, and 29.96% have bad debts on more than 4 platforms. When various mutual financial platforms need data for effective risk control, they cannot get more effective data. Supported by data.

According to the 2015 statistical report of the Credit Reference Center of the People's Bank of China, the database of the Credit Reference Center of the People's Bank of China contains 850 million natural persons, of which 350 million have credit records and the remaining 500 million have blank credit. Private financial institutions do not upload data to the People's Bank of China Credit Information Center like traditional banks, and the data of private financial institutions are also different from each other., resulting in the dilemma of "information island".

91 Credit Information uses distributed database solutions and adheres to the principle of "no uploading, no saving, and real-time updating" to connect the data of private financial institutions, break the problem of "information islands" between institutions, and form 91 Credit Information Alliance realizes information exchange among private financial institutions.

9. Product address

91 credit peer credit report: http://www.91zhengxin.com/instryReportV.do

10. Affiliated companies

Beijing Xiaocui Times Information Service Co., Ltd.

11. Company Introduction

Beijing Xiaocui Times Information Service Co., Ltd. was founded in January 2012. It is a technology company dedicated to using technology to solve data problems in the financial field.

In June 2015, the company gained market and capital recognition with its innovative non-performing asset disposal plan, and received tens of millions of angel rounds of financing from Matrix Partners China, an internationally renowned venture capital institution. In October of the same year, it committed to in-depth 91 Credit Information, a product that solves financial risk issues and credit data sharing issues, was officially launched.

In February 2016, the number of users of 91 Credit Information Enterprises exceeded 200. During the same period, it completed Series A financing, with Matrix Partners China participating in the investment. By the end of 2016, the company achieved full profitability.

In May 2017, the company completed tens of millions of Series B financing invested by Yinzhijie. The new financing will accelerate the realization of 91 Credit Information’s vision and is committed to changing credit information through the Internet, providing shared technology for financial service institutions, and comprehensively reducing risks in the financial industry.

The core team of 91 Credit Information is composed of financial personnel from CreditEase, Internet, and JD.com. It is headquartered in Beijing, China, and has business departments in Shanghai and Shenzhen. At present, the company's business has expanded to Beijing, Shanghai, Shenzhen, Hangzhou, Nanjing, Guangzhou, Chengdu, Wuhan, Tianjin, Qingdao, Shijiazhuang and other regions.

As the second part of the overall event, on October 25, 2017, Data Ape will also hold the "2017 Financial Technology Value - Data-driven Financial Business Fission" summit in Beijing with a scale of 1,000 people [this time Forum Details丨Review of the First Session丨Review of the Second Session] will hold an award ceremony for articles, cases, and products on site.

④ What is digital currency? Digital currency concept stocks

1. Digital currency

According to the definition of the Central Bank Digital Currency Research Institute, digital currency in the narrow sense mainly It refers to currency that is purely digital and does not require a physical carrier; digital currency in a broad sense is equivalent to electronic currency, and generally refers to all currencies that exist in electronic form, including electronic currency, virtual currency and digital currency.

Depending on the issuer, digital currencies can be divided into legal digital currencies issued by the central bank and privately issued digital currencies.

The digital currency issued by the central bank refers to the digital currency issued by the central bank and is represented by an encrypted digital string representing a specific amount.The current form of legal currency is not a physical entity itself, nor does it use a physical entity as a carrier. Instead, it is digital information used for network investment, transactions and storage, and represents a certain amount of value.

Privately issued digital currency, also known as virtual currency, is a digital currency issued and controlled by developers, not subject to government supervision, and circulated among members of a virtual community, such as Bitcoin (Bitcoin), etc.

In 2014, the central bank established a Digital Currency Research Institute to study the feasibility of issuing legal digital currency.

At the end of 2017, with the approval of the State Council, the central bank organized commercial banks such as Industrial and Commercial Bank of China, Bank of China, and Shanghai Pudong Development Bank, and relevant institutions such as China Banknote Corporation and Shanghai Commercial Paper Exchange to jointly carry out research on the digital renminbi system (DC/EP). R&D.

In February 2018, the experimental production system of the Shanghai Commercial Paper Exchange’s digital bill platform was officially launched for trial operation.

When the central bank held a work conference call for the second half of 2019, it requested to accelerate the pace of research and development of my country’s legal digital currency (DC/EP).

On the morning of August 14, 2020, the Ministry of Commerce issued a notice on the "Comprehensive Deepening of the Pilot Plan for Innovative Development of Trade in Services". In the section "Comprehensively Deepening the Pilot Tasks, Specific Measures and Division of Responsibilities for the Innovation and Development of Service Trade", it is proposed that digital RMB pilots should be carried out in qualified pilot areas in the Beijing-Tianjin-Hebei region, the Yangtze River Delta, the Guangdong-Hong Kong-Macao Greater Bay Area and the central and western regions. The People's Bank of China will formulate policy safeguard measures; these will first be assisted by relevant departments in Shenzhen, Chengdu, Suzhou, Xiongan New Area and other places as well as future Winter Olympics scenes, and will be expanded to other regions as appropriate.

As of October 8 this year, the central bank’s digital renminbi pilot scenarios have exceeded 3.5 million, a total of 123 million personal wallets have been opened, and the transaction amount is approximately 56 billion yuan.

The People's Bank of China is the sole authority in charge of the research, development, promotion, and application of digital currency, and the six major state-owned commercial banks participate in the pilot and operation as designated operating institutions.

The technical standards and technical systems of digital currency are developed at the central bank and independently implemented by its affiliated Digital Currency Research Institute, which is a core secret of the country.

National policy only allows public and private wallets to be opened through the APPs of state-owned commercial banks and the Central Bank’s Digital Research Institute.

The difference between digital currency and cryptocurrency

The first major feature of digital RMB is that it is a legal currency issued by the central bank. It is supported by national credit and has legal compensation; secondly The major feature is that the digital renminbi is positioned as M0 (cash in circulation); the third major feature is that the digital renminbi adopts a centralized operation model and is a two-tier issuance and circulation system; the fourth major feature is that the digital renminbi is a retail-oriented central bank digital currency. Cryptocurrency is a currency based on cryptography and a decentralized trust mechanism. Cryptocurrencies do not meet the requirements of modern monetary mechanisms, and their quantities are determined by algorithmsDetermined.

The difference between central bank digital currency and Alipay and WeChat payment

First: central bank digital currency is cash in circulation, not bank deposits. Third-party Internet payments such as Alipay and WeChat Pay use commercial bank deposit currency settlement, which belongs to M1 and M2 level digitization. It does not have M0 level legal effect, and it is impossible to replace M0.

M0: Generally refers to cash in circulation

M1: Generally includes M0 + demand deposits of each unit,

M2: includes M1 + residents’ savings Deposits + corporate time deposits + corporate other deposits + securities company customer deposits.

Second, central bank digital currency payment only requires electricity. The advantage of central bank digital currency is that it can achieve dual offline payments. Bind to the terminal device, it can complete basic operations such as cash withdrawal, payment and storage of digital currency. Third-party payments such as Alipay and WeChat require electricity and internet.

Third, the central bank’s digital currency is legal and anonymous; third-party payments are neither.

Fourth, the central bank’s digital currency has unlimited legal liability and no institution or individual may reject it.

The central bank’s digital currency is legal tender, while WeChat Pay and Alipay are just a payment method. The effectiveness of digital currency is not comparable to that of WeChat Pay and Alipay. From a user perspective, the central bank's digital currency has a wider scope of use, unlimited legal compensation, and is mandatory, while other payment methods do not have this function.

2. Digital currency concept stocks

According to calculations by Huaan Securities, the upgrade of the digital renminbi software and hardware industry will bring about a market space of approximately 140 billion yuan. Among them, the digital RMB wallet design part is completed independently by the bank, while the device-side modification part is generally left to outsourcing.

Cuiwei Co., Ltd. (603123)

Haike Rongtong, its holding subsidiary, holds the "Payment Business License" for the nationwide bank card acquiring business type issued by the People's Bank of China. Qualifications for operating third-party payment business within the scope.

Among the first batch of pilot commercial enterprises in Haidian District, all business units of the company have opened "digital RMB" business.

StarNet Ruijie (002396)

All Shengteng payment products support digital renminbi, are actively participating in the digital renminbi pilot work of major banks, and actively promote the development of application solutions in related industries. Land.

Tianyu Information (300205)

The company has already laid out products in the field of digital RMB hard wallets and actively participates in the testing and marketing of related products.

It is planned to offer Yan Chunyu (new large stock) at 10.99 yuan/share.East) Price-locked and fixed-increase capital raising of no more than 1.35 billion yuan will be used for two projects: data security and digital RMB series product industrialization and Internet of Things security module product industrialization

Zhidu Shares (000676)

The company’s blockchain + supply chain financial service platform is one of the application scenarios of the central bank’s digital currency. The application of digital currency can make the blockchain + supply chain financial service platform more efficient.

The joint-stock company Bitmain is the world's leading provider of supercomputing chips and artificial intelligence chips, and the world's largest supplier of ASIC custom chips and integrated systems for bit mining machines.

Yinjiang Technology (300020)

The company has not yet carried out related business in the field of digital currency.

The company will choose an opportunity to sell Hong Kong Yinjiang’s shares in Yibang International

Feitian Integrity (3000386)

The company has not participated in the central bank’s digital currency project.

The company plans to publicly issue shares to raise funds, and the projects involved include digital currency-related hardware and system applications

It is planned to establish Feitian Digital (Feitian Chengxin holds 48.67% of the shares.), Business projects include: providing products and technical support for the wide application of digital currencies and promoting the development of cashless payments.

China Information (000555)

Cooperation with Huawei covers multiple dimensions such as industry application solutions and operation and maintenance services in various fields such as financial technology, smart agriculture, smart services, and the Internet of Things. It has become one of Huawei's largest partners in the field of industry solutions in China.

The company established a wholly-owned subsidiary, Shenzhou Fangyuan, to focus on the application and promotion of blockchain and digital renminbi-related scenarios. The company has an excellent solution team with smart contract programming capabilities and scenario planning in the industry. It has explored the implementation of smart contract applications for scenarios such as prepaid consumption, corporate payments, and targeted payments, and promoted digital RMB scenario innovation.

On November 2, the city’s first digital RMB entrusted tax collection business handled by the Beijing Municipal Taxation Bureau was launched. This business is mainly provided with technical support by China Information and its subsidiary China Fangyuan, and the Tiyuguan Road branch of the Industrial and Commercial Bank of China participated in the commissioning, helping the Dongcheng District Taxation Bureau take the lead in collecting taxes through digital renminbi and opening up a new digital renminbi payment experience.

On November 3, Tencent Cloud and China Information officially signed an agreement to establish a comprehensive strategic partnership

In the first three quarters, Financial Information Innovation won a total of 441 million yuan in bids, compared with last year’s total Achieved nearly tenfold growth year on year.

China Information has helped nearly 20 banking institutions realize the construction of interconnected systems; the independently developed digital wallet system has entered the promotion stage and has been used in financial institutions such as China Guangfa Bank and Bank of Beijing.The structure landed.

In the field of digital RMB scenarios, the company has helped nearly 20 banking institutions achieve interconnected system construction. The independently developed digital wallet system has entered the promotion stage and has been implemented in financial institutions such as China Guangfa Bank and Bank of Beijing. . At the same time, the company actively explores innovative applications of digital renminbi in prepaid cards, logistics, supply chain finance and other scenarios, and has officially launched a "prepaid consumer service platform" to improve the prepaid consumer service system and provide one-stop solutions for efficient operations

Nantian Information (000948)

One of the few comprehensive solution and service providers in China that integrates software and hardware digital product development and production implementation capabilities.

Yunnan’s representative enterprise for blockchain technology research and development has participated in the research and development of digital currency applications in my country and generated related income.

The company established a digital currency research group and made important reserves in the ecological construction of digital currency circulation.

Connect with relevant departments and enterprises in Yunnan to promote the application of digital RMB settlement in border trade, hoping to obtain corresponding digital currency pilot business opportunities.

Nantian Information’s digital business is highlighted by “Nantian Convenient Payment Platform” and “Nantian Smart Communication Solution”. In September, these two solutions were selected into the “2021 China Electronic Information Industry Federation” released by the China Electronic Information Industry Federation. "Annual Enterprise Digital Transformation Case Promotion Catalog".

On June 2, the independently developed, safe and controllable "Nantian Blockchain Platform NBAAS" successfully passed the domestic blockchain information service registration of the Cyberspace Administration of China.

On September 16, it became the main supplier in the "Agricultural Bank of China Co., Ltd. 2021 Intel PC Server Shortlisted Project", with an estimated project amount of 1.246 billion yuan (excluding tax).

On November 3, Nantian Information signed a strategic cooperation agreement with Tencent Cloud

On November 9, it won the bid for the Agricultural Bank of China’s Kunpeng PC server project worth 1.487 billion yuan

New World (000997)

Sun Yada Digital Company focuses on digital RMB ecological construction support and operation services

The company's full range of smart POS has supported digital RMB payment and has been applied successively Digital currency pilot projects in Shenzhen, Chengdu, Suzhou and other places have achieved seamless connection between the offline consumption environment and the digital renminbi.

Eastcom Peace (002017)

The actual controller will be changed to China Electronics Technology Co., Ltd.

Ziguang Guowei (002049)

Intelligent Security Chips, special integrated circuits, semiconductor power devices, crystal frequency devices

The company's wholly-owned subsidiary Ziguang Tongxin's chip products have been widely used in the financial payment field, and its security chipsIt can be used as a trusted carrier for digital RMB hardware wallet. Unisoc Tongxin has built a digital RMB payment scenario and is actively cooperating with operating agencies to promote the trial operation of digital RMB in multiple pilot cities.

100% equity of Tsinghua Holdings is planned to be transferred to Sichuan Energy Investment Group

Hengbao Shares (002104)

Participate in the construction of digital RMB ecosystem to enrich digital RMB application scenarios bridge the inconvenience caused by the "digital divide" to specific groups of people. At present, the digital RMB is still in the pilot stage and will not have a major impact on the company's performance in 2021

Montnets Technology (002123)

Invention patent "095 A digital currency based on 5G messages "RMB Payment Method" is in the acceptance stage.

The company's digital RMB wallet project is based on the 5G message digital RMB wallet, integrating various recharge and payment scenarios to achieve a closed-loop transaction. It uses groundbreaking jumps between Chatbots to keep users in their mobile phone mailboxes, solving the security risks of H5 payments. In the future, it will be connected with the central bank or major banks' 5G messaging interfaces without the need to download apps, creating rich and complete life services.

The subsidiary signed a strategic cooperation agreement with Ant Chain to carry out in-depth cooperation in the field of cloud communication services.

Guangdian Express (002152)

Ranked first in the domestic financial equipment market share for 13 consecutive years, it is the largest financial intelligent self-service equipment supplier and service provider in China, with business scope covering 80 countries around the world. Multiple countries and regions.

Subsidiary American Express Digital Space focuses on the digital transformation of banks and has a complete set of business service platforms based on the full life cycle of digital renminbi

Express Digital participates in the construction of Changsha Bank’s digital renminbi business system, It has successively won the bid for the digital RMB business system construction projects of three banks, Sanxiang Bank, Chouzhou Bank, and Chang'an Bank, and is currently conducting technology and cooperation exchanges with a number of commercial banks.

Digital currency is still in the pilot stage, and the company’s digital RMB business revenue scale is still in the millions, accounting for a small proportion of the company’s total revenue (2020 operating revenue of 6.4 billion yuan), and will not have any impact on the company’s operations. significant impact on performance.

Yuyin Holdings (002177)

A core member company of the Golden Chain Alliance, it actively participates in industry technology exchanges and interactions.

The company is conducting research and development on software and hardware digital wallets, the exchange and circulation of digital currencies on financial instruments, and other technical fields, but has not yet been commercialized.

Zhengtong Electronics (002197)

A special research group for digital currency projects was established, focusing on digital currency encryption algorithms, digital wallet equipment and applications, digital currency payment modules and Payment devices, digital currenciesWe conduct research and development in key areas such as acquiring equipment and internal testing of samples, and strive to build the company's complete financial technology R&D system, product system and application support platform, and prepare relevant technical reserves and product pre-research for the company's rapid future development.

Weishitong (002268)

The People's Bank of China is one of the company's customers; cryptography technology and related products will inevitably be used in the promotion of digital currency, and the company will actively respond to new business opportunities future market demand and make technical reserves

Hailian Jinhui (002537)

The company's digital renminbi currently mainly implements payment collection functions on the merchant side and does not have an app

Beyondsoft Technology (002649)

Plans to spend 130 million to 260 million yuan to repurchase shares, with the repurchase price not exceeding 16 yuan per share.

Beijing North (002987)

The People's Bank of China and the six major state-owned commercial banks are corporate customers, and the income in 2020 comes from

The six major state-owned commercial banks Accounting for 65.07% of the company's total revenue. The company has established a large-scale and in-depth cooperative relationship with large state-owned commercial banks in the field of digital currency, and participated in the system operation management, customer information, risk screening, operational data analysis, and digital currency client backend of the designated operating institutions of digital currency. , payment functions, third-party payment and other commercial bank file protocol management functions, such as analysis, design, development and testing work, accumulated experience and accumulated technology. With the promotion of digital currency, the application scenarios surrounding digital currency will generate massive system development, testing, and operation and maintenance needs in large state-owned commercial banks, joint-stock commercial banks, and small and medium-sized banks in the future, which will bring more business opportunities to the company.

Chu Tianlong (003040)

The company has rich technical accumulation in various forms of digital RMB hardware wallets and other fields, and has accumulated a certain amount of data by participating in pilot projects in some cities. Practical experience in RMB related product development.

The digital RMB hardware wallet and other related products developed and produced by the company are suitable for a variety of consumption scenarios. We are currently actively preparing digital RMB hardware wallets and other related products for the Beijing Winter Olympics.

Netac Technology (3000402)

The company’s main business does not involve the issuance and circulation of “digital currency” and other related fields, and it has no plans to carry out related business.

Huali Chuangtong (300045)

East Lake Science and Technology Finance Research Institute, in which the company has a stake, is involved in this field

Tianyuan Dico (300047)

The company has implemented two digital currency projects, one is 20On May 14, 2021, a total of two orders were signed for the digital currency project of a state-owned bank, which is still in the process of implementation; the other is the digital currency project of a commercial bank on October 18, 2021, and the first phase of the project is currently < /p>

The process has been developed and is waiting for user acceptance testing.

Qitian Technology (300061)

Subsidiary Xiaoqi Oufei has launched assistance in mobile banking APP to support the use of digital renminbi to achieve scenario marketing services such as recharge and payment. This business is not expected to have a significant impact on the company's 2021 performance. The company's existing business does not involve chips, basic technology and payment terminal equipment related to the issuance and circulation of digital renminbi.

Yin Zhijie (300085)

The main business direction of Shujie Technology during the establishment stage is to carry out innovative technology research in the field of digital renminbi issuance, circulation and scenario application, and provide services to banks and payment institutions. , business users provide products and technical services such as software application platforms and scenario service solutions.

China Carbon Silver will be mainly engaged in carbon management under the general trend of carbon neutrality, scientific and technological innovation and technical services in the field of carbon finance.

Huadao Credit Information, a joint-stock company, is mainly engaged in the development of credit information technology, providing technical support and technical services for the development of Baihang Credit Information business, and developing supporting services related to personal credit information in the credit information industry chain. .

Xinguodu (300130)

The digital renminbi research group established by the company actively invests in research and development resources around the application and products of digital renminbi in offline merchant payment scenarios. The intelligent terminal equipment developed by the company N86 supports both bank card and QR code payment. In the future, after the digital renminbi is further promoted, it can also support the acceptance of digital renminbi. At the same time, the company actively promotes cooperation with banking institutions in the field of digital renminbi operational activities and technical services. At present, the preliminary technical joint debugging and system testing of some institutions have been completed, and the system has actively cooperated with banking institutions to further assist in the transformation and promotion of merchant-side services, and has been successfully applied in pilot scenarios in Shanghai and other areas. The company is actively developing digital RMB "hard wallet" products and is currently undergoing technology development and product design. In the future, the company will also follow industry changes and continue to explore new business models under the digital RMB ecosystem.

Oriental Guosen (300166)

The main customers of subsidiary Shanghai Yitong are banks. It has already achieved digital renminbi docking with several major state-owned banks and commercial banks. According to The nature of the bank has implemented docking plans for different models, and organized the plans into a standardized process, which can quickly assist various cooperative banks to quickly complete the docking of digital renminbi.

Huafeng Microfiber (300180)

Subsidiary Wei Futong is currently the mobile payment provider of most banks.As a supplier of back-end software and systems, VFT is actively participating in the DCEP testing and related promotion work of some banks for digital currency business. Due to confidentiality agreement restrictions, relevant details cannot be disclosed for the time being. The relevant business is in the early development stage and is subject to great uncertainty.

*ST Julong (300202)

Xinkaipu (300248)

The company currently cooperates with the five major banks (Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Bank of Communications) , the four major institutions (UnionPay, China Mobile, China Telecom, and China Unicom) have established a long-term and stable cooperative relationship, laying the foundation for the expansion of the market scale of digital renminbi in business segments such as universities, K12, secondary vocational schools, and enterprises. Digital currency payment equipment includes consumer equipment and identity recognition equipment for closed scenes in campuses and corporate parks. Some equipment has passed PBOC certification

Signed a strategic cooperation agreement with China Unicom Payment to develop national security products and digital renminbi. Establish strategic partnerships and carry out technical and business cooperation in the fields of products and solutions, 5G-SIM cards, mobile security business, etc. The two parties will accelerate the layout of digital renminbi business and realize the implementation of digital renminbi in more application scenarios. China Unicom Payment is a wholly-owned subsidiary of China Unicom Group and has a payment business license. It provides comprehensive payment applications and financial information services to individual users through Wo Wallet, and is responsible for the development of innovative payment services such as digital renminbi.

New Cape undertook the first domestic education industry application pilot project - the digital renminbi pilot project of Nanjing Normal University Suzhou Experimental School.

Beixinyuan (300352)

The joint-stock company Hainan Baojiayuan Technology Co., Ltd. plans to cooperate with Shanghai Information Investment Co., Ltd. Both parties will invest 10 million yuan each to establish a joint venture in Shanghai Xinlian Digital Trade Data Technology Co., Ltd. The two parties will give full play to their comprehensive advantages in the fields of blockchain, information security and financial technology, and use the company as a platform to launch digital projects based on actual scenarios in multiple fields such as enterprise digital transformation, industrial supply chain collaboration, and "digital world trade". The pioneering and large-scale application pilot of currency will build a solid foundation for the future large-scale application of digital currency, thereby forming an economic scale with commercial value.

Yingshisheng (300377)

Launched a valuation and accounting solution that supports a full set of carbon allowance transactions

Currently cooperating with some financial institutions and actively participating in banks, etc. Digital currency DCEP-related projects of financial institutions, as well as active participation in industrial interconnection in the field of green finance, further broaden the company's business areas. Participating in digital currency and green finance business is a strategic plan of the company, but the company has not directly participated in the research and development of central bank digital currency. As of now, green finance and digital currency related businesses have contributed very little to the company's revenue.

Huaming Intelligent (300462)

The application scenarios of the company’s existing main business rail transit AFC (automatic fare collection system) and ETC (electronic toll collection system) equipment and other related products involve the payment link, with a large number of figures For currency payment scenarios, the company is committed to the development and cooperation of digital currency scenario-based applications. Part of the funds raised from the refinancing project currently being prepared by the company will be used for the "Central Bank Digital Currency (DC/EP) Scenario Application Development and Construction Project"

Sifang Jingchuang (300468)

As an industry-leading provider of comprehensive financial technology solutions, the company has long maintained close cooperation with customers in the financial industry, and actively cooperates with customers to promote the application of various modes such as digital RMB payment, digital RMB red envelopes, and digital RMB consumption coupons in sports and other scenarios. . In the future, the company will continue to improve its all-round R&D and delivery capabilities from the underlying blockchain platform to application solutions, its blockchain + digital economy integration innovation capabilities, and continue to seek and realize the implementation of digital currency and other technologies in more scenarios

The Hong Kong subsidiary cooperates with ConsenSys and PricewaterhouseCoopers to participate in the "Multiple Central Bank Digital Currency Cross-border Network" (m-CBDC Bridge) project of the Hong Kong Monetary Authority.

Synthetic Electronics (300479)

The company launched the research and development and market preparation of supporting equipment for the digital renminbi business in 2019, actively cooperated with relevant institutions and commercial banks, and participated in the digital renminbi pilot work. It has been put into commercial trial operation in small batches in pilot cities. Digital currency-related businesses are innovative businesses, and the market promotion progress will be gradually carried out in accordance with national planning and the deployment of competent authorities

Youboxun (300531)

The company's participation in the digital currency pilot is mainly through the company's cooperation with the company Long-term cooperation with state-owned banks and customers in the retail and catering industries. The company has reserved NFC technology, TEE-based trusted identity authentication on the client side, trusted device authentication, trusted QR code technology, and efficient and trusted blockchain and privacy computing on the cloud side. They are all digital currency research technologies. reserve. The company actively participates in the design and implementation of digital currency payment application scenarios. The company's payment terminal products have received good feedback from digital currency pilot applications in various places. The company will further follow the progress of the country's deployment of digital currency and provide smart payment terminals and related products that meet the requirements. Serve.

The company has applied blockchain technology to portable printer products with built-in Urovo Block Chain SDK and food and drug traceability platform projects, and launched mobile data certification services based on blockchain technology to allow mobile data to be automatically It can be transferred to the chain from birth and protected by law. The company is optimistic about the development prospects of VR/AR, blockchain, and interactive technologies in the fields of Internet of Things and artificial intelligence, and continues to accumulate in basic fields such as intelligent hardware

Advanced Digital Communications (300541)

The company’s business related to legal digital currency is to assist commercial banks in building payment application systems that support legal digital currency. At present, the company’s solution research and development has been completed and is in the market promotion stage. , some projects are in the process of implementation.

The main target customers of the company's legal digital currency-related solutions are small and medium-sized banks

Xiongdi Technology (300546)

The company has invested in research and development to open up digital renminbi for public transportation payment Usage scenarios in the field have been put into use in Suzhou, Wujiang and other cities; in the future, the company will form an entrance business opportunity for digital currencies through aggregation of payment services, and reserve market opportunities for the further advancement of digital currencies in the future; this business will have a small impact on the company's current performance.< /p>

Guao Technology (300551)

Zhengyuan Wisdom (300645)

It has completed the docking and development of the digital renminbi systems of the five major banks and independently developed machines. It is an IoT transaction terminal that supports the integration of card, code and face currency (digital RMB). It has strong multi-media integration and multi-scenario adaptation features, and has passed PBOC3.0 certification. The software and hardware system can support digital RMB payment transactions. .

The digital renminbi construction project is now implemented in many colleges and universities such as Southwestern University of Finance and Economics, Suzhou University, Qingdao Engineering Vocational College, Hunan Police College, Hunan Vocational College of Foreign Languages, etc., and many colleges are ready to go online. preparation. Hangzhou will become the third batch of digital RMB pilot cities. The company has signed agreements with major commercial banks to complete various technical dockings and make every effort to prepare for implementation and promotion on campus.

The company is carrying out technical development work to assist in the reservation and opening of private wallets, and in compliance with national policies, it will assist in the opening of digital RMB wallets by providing entrances and other methods

Kelan Software (300663)

The main business is Internet banking, and it is currently and in the future upgrading and expanding to digital banking and digital finance

The wholly-owned subsidiary Kelan Software Systems (Hong Kong) Co., Ltd. recently Winning the bid for the digital banking system procurement project of Singapore Green Alliance International Bank, the winning bid amount is 2 million Singapore dollars, approximately RMB 9.6046 million.

The company has not yet generated orders for digital currency, and digital currency-related businesses are all in During technical verification, business negotiations and contract signing, no operating income was directly generated in 2020.

Yuxin Technology (300674)

In terms of digital currency, major state-owned banks have been participating in the digital renminbi, digital currency pilots and electronic wallets led by the People’s Bank of China in the past two years. System development. The company has in-depth cooperation with many major state-owned banks.It has accumulated relevant capabilities and product modules in digital wallets and digital currencies, and has reserved corresponding talents. If there are relevant business cooperation opportunities in the future, the company will also actively participate

Lakala (300773)

The company has first-mover advantages in the field of digital renminbi. The company became one of the first two payment institutions to sign a strategic cooperation agreement with the Central Bank Digital Research Institute. It completed system docking and started business cooperation with the Central Bank Digital Research Institute and its six operating agencies, and fully participated in the digital renminbi promotion activities in pilot cities. , it has realized that the entire product line from small and micro merchants to KA merchants, from retail payment to B2B payment supports digital currency acceptance.

Digital currency can currently be used to pay wages on behalf of employees, and part of the wages of company employees have been paid in digital currency.

The company has used digital renminbi to enter many large and medium-sized merchants that have not been covered before. Although digital renminbi acceptance has not yet started charging, the company has entered some medium and large merchants and has brought WeChat and Alipay to the company. , bank cards and other payment methods to earn a certain amount of income.

Tianyang Technology (300872)

The company has currently participated in the technical development and testing of CCB’s digital currency.

Chuangshi Technology (300941)

During the "May 5th Shopping Festival", the company assisted the Agricultural Bank of China Suzhou Branch in realizing the acceptance and use of digital renminbi by relevant merchants

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The company’s digital renminbi products have won bids from the Agricultural Bank of China and China Construction Bank. The company is currently focusing on building an acceptance environment for merchants.

The company cooperates with Zhangjiakou Agricultural Bank of China, Zhangjiakou Construction Bank, Beijing Agricultural Bank of China, Beijing Construction Bank, etc. to participate in the construction of digital renminbi acceptance environment for merchants related to the Beijing Winter Olympics

Sichuan Chengyu (601107)

The company currently does not carry out digital currency-related business

Xin'an Century (688201)

On January 26, 2021, it won the bid for the SSL gateway and signature verification of the digital currency project Server Procurement

The company's identity security, data security and communication security product lines are all suitable for the digital currency field.

VeriSilicon—U (600521)

In 2019, the company’s revenue in the data processing application market reached 261.72 million yuan. The data processing market targeted by the company mainly includes data centers and digital Currency etc. The company has many years of experience in the field of digital currency chips and has provided chip design and mass production related services to many customers.