According to media reports, a few days ago, Ms. Huang and a hotel management enterprise in Qingdao respectively received a small loan based on consumption and business scenarios issued by Shandong Guosheng microfinance Co., Ltd. in digital RMB online, which marks that Guosheng small loan has jointly Industrial And Commercial Bank Of China Limited(601398) realized the full coverage of b-end and C-end financing scenarios of digital RMB.
Citic Securities Company Limited(600030) . Based on the characteristics of digital RMB, users' payment habits and mobile payment market pattern may face the opportunity of reshaping. The active participation of various manufacturers is expected to bring more imagination to the promotion and application of digital RMB. Digital RMB has the technical conditions for cross-border use, and is expected to extend from retail to cross-border payment in the future, so as to strengthen the international competitiveness of RMB in combination with the first mover advantage. With the continuous promotion of digital RMB application, relevant industrial chains are expected to continue to benefit. It is suggested to pay attention to the service providers related to Hard Wallet manufacturing, supporting transformation of collection equipment & acceptance terminal, construction of commercial banking system and security technology.
Ping An Securities pointed out that the digital RMB is still in the early stage of rapid development, and grasp the investment opportunities of digital RMB from the two aspects of hardware equipment and software system. 1) A major feature of digital RMB is that it supports the payment of mobile phone NFC, bracelet wearable devices and other hardware. Hardware manufacturers may benefit from the improvement of the acceptance of digital RMB "Hard Wallet" and usher in more relevant orders to promote the improvement of performance. It is suggested to pay attention to Xgd Inc(300130) . 2) Software manufacturers may benefit from the huge demand brought by the upgrading of the financial system, especially the matching upgrading, to promote business growth; Recommend Yusys Technologies Co.Ltd(300674) , and pay attention to Shenzhen Sunline Tech Co.Ltd(300348) , Digital China Information Service Company Ltd(000555) .
