月度归档： 2025 年 11 月

China Merchants Bank’s digital RMB service appeared at the 2022 Service Trade Fair, bringing an immersive new experience.

Source: Beijing Youth Daily

　　As the first joint-stock bank in China to obtain the qualification of digital RMB operation, China Merchants Bank recently appeared in the 2022 China International Fair for Trade in Services Financial Services Special Exhibition with a number of digital RMB application achievements and scene integration innovative services. The audience can quickly open the digital RMB wallet of China Merchants Bank and experience the various functions and services of China Merchants Bank.

　　Keep pace with the times: China Merchants Bank actively participates in the research and development of digital RMB wallets.

　　At the end of 2019, digital RMB was piloted in Shenzhen, Xiong ‘an, Beijing, Shanghai and other cities. In July 2021, China Merchants Bank became the first joint-stock bank in China to obtain the qualification of digital RMB operation. In January of this year, the "Digital RMB" App officially released the digital RMB wallet of China Merchants Bank, and then the China Merchants Bank App quickly iterated on the digital RMB wallet area. According to reports, at this stage, users can quickly open and experience China Merchants Bank’s digital RMB wallet in three steps of the "Digital RMB" App. Bank cards can be directly exchanged for digital RMB to be used in wallets, supporting offline code scanning, online payment, wallet exchange and other functions and services. The "Digital RMB" App and China Merchants Bank app have already realized interoperability. In addition, China Merchants Bank’s "Fengling" full-process service quality monitoring system is also escorting the continuous user experience.

　　As early as 2015, China Merchants Bank began to carry out scientific and technological innovation projects and research and apply blockchain technology in the field of cash business. In 2016, China Merchants Bank began to participate in relevant research and discussions in digital currency, and continued to follow up the implementation of the digital currency Plan. Now, China Merchants Bank has formed a professional blockchain team of more than 60 people and accumulated a lot of practical experience. In the face of digital "new infrastructure", China Merchants Bank has been advancing with the times, actively participating in the research and development of digital RMB and ecological construction, helping the national key strategies and contributing to the strength of China Merchants Bank in the blueprint vision of the digital economy.

　　Braving the tide: realizing the coverage of multiple scenes with the power of innovation

　　At present, China Merchants Bank, taking advantage of financial technology, has achieved digital RMB scene coverage in many fields, such as transportation, government affairs and convenience, payroll, and inclusive loans. In April this year, it successfully landed the first digital RMB payment of high-speed tolls in Guangdong Province, and comprehensively covered the collection of high-speed sections in Guangdong Province, and successfully landed the first digital RMB salary payment in Chongqing in the same period. In June, we further broadened the payment channels for government services, efficiently completed the first digital RMB tax refund business in Shandong Province, and refunded more than 200,000 yuan for two enterprises. In addition, the first inclusive loan in the financial system in the form of digital RMB was innovatively issued, which was used to pay employees’ salaries and raw materials for upstream enterprises, achieving a breakthrough in the application scenario of digital RMB, realizing an innovative attempt in helping enterprises to bail out, providing new ways of efficient financing for small and micro enterprises, and at the same time ensuring the authenticity and credibility of the closed-loop circulation and use of credit funds, greatly enhancing the convenience and availability of inclusive finance.

　　At the level of ecological links in the same industry, China Merchants Bank has actively built a digital RMB operation service platform to achieve unified access for cooperative institutions. At present, it has successfully signed contracts with a number of peers.

　　It can be said that China Merchants Bank has been engraved with the gene of "technology-driven and innovative" since its inception. Under the background of new digital infrastructure, it has continuously promoted the full application of digital RMB in retail supermarkets, smart parks, business districts, cultural tours, and salary generation. Up to now, China Merchants Bank has also formed the interconnection of online and offline digital RMB services such as Digital RMB App, China Merchants Bank App, Enterprise App, Paypass APP, online banking, business outlets, etc., providing omni-channel services and meeting users’ demand for digital RMB.

　　Perseverance: "Four Innovations" Mode to Promote the Exploration of Digital RMB Business

　　Facing the opportunity of digital RMB, focusing on solving the pain points of users, "cultivating internal strength" is the way to persevere. In the future, China Merchants Bank will continue to stimulate the imagination with the "four major innovations".

　　Through the combination scheme of "umbrella wallet+smart contract", the demand for fund sharing of large merchants is solved; Through the combination scheme of "smart contract+mother-child wallet", the crisis of prepaid trust is solved and the security of funds is protected; Through the linkage with the current financial management of China Merchants Bank "Chaochaobao", the intelligent management of wallet balance can be realized, and the efficiency of capital utilization and the maximization of income can be improved; Explore the feasibility of digital RMB insurance premium payment, claim payment, personal consumption loan payment, etc., and insert the wings of digital RMB into thousands of households.

　　In the future, China Merchants Bank will continue to invest in the construction of national digital RMB, focusing on key application scenarios, aiming at serving users well and creating the best user experience, and helping the national key strategy and the ecological construction and development of digital RMB.

　　Text/Jin Renfu

Reporting/feedback

The Xiaomi AI strategy was first exposed, the big model was tested, and the robot dog Iron Egg 2 was launched.

Machine heart report

Editor: Zenan

Crossing the high-end battle of life and death, Xiaomi now wants to fully embrace the big model.

Unexpectedly, in the future strategy, Xiaomi put AI in such an important position.

Last night, Lei Jun’s annual speech was a topic that everyone was discussing. Lei Jun, who had completed four years’ credits at Wu Da University in two years, released a series of products, such as a new generation of folding screen mobile phone MIX Fold3, Redmi K60 Extreme Edition, tablet 6 Max, mi band 8 Pro and so on, after talking about the story of how to choose courses, write programs and start a business.

In addition, he also shared the latest exploration of Xiaomi in cutting-edge technology, including hot areas such as large models and robots.

In the direction of quadruped robot, it seems that we haven’t seen such a level of innovation for a long time. At yesterday’s press conference, Xiaomi released the CyberDog 2 robot dog, which reached the level of "close to smart cars".

Two years ago, Xiaomi’s "iron egg" robot dog was welcomed as one more thing. What progress has been made in the second generation of iron eggs? Development engineers say that in short, it is "more dog-like".

First of all, it has a smaller size, close to the real small dog, weighing 8.9kg and being 36.7cm tall. CyberDog 2 is more bionic than the previous generation-it refers to the appearance and characteristics of organisms. Compared with the previous generation, CyberDog 2 has reduced its volume by 16% and its weight by nearly 40%. On the other hand, its price is higher than that of the previous generation: 12,999 yuan.

"It’s actually quite difficult to be a puppy. We have been working for more than two years," Lei Jun said. "The movement of robot dogs requires high servo motors, requiring small size, precise control, reaction speed and power. A dog needs 12 servo motors, reducers and corresponding electronic controls, and the products on the market are expensive. 」

Therefore, Xiaomi has developed a micro-motor system CyberGear, which weighs only 317 grams and has a maximum torque of 12N.m；: The control accuracy is 5, and the response time is as low as 20ms;

The new motor provides stronger dynamic response ability, supports richer movements and precise control. In addition, after 30,000 dogs’ parallel training on the reinforcement learning virtual environment platform, Iron Egg 2 can now fully maintain its balance, and it is not a problem to flip forward and backward and play skateboard, and its anti-impact ability has also been enhanced.

The upgrade is also reflected in the perception level. CyberDog 2 is equipped with 19 groups of sensor systems, including laser radar and touch sensors. The computing power of AI processor reaches 21TOPS, and it is connected to the AI voice interaction system of Xiaoai classmate, which makes it bionic and interactive. The experience has reached a new height. Xiaomi said that CyberDog 2 can achieve the ability of following and avoiding obstacles similar to drones.

Based on the successful experience of the first CyberDog, Xiaomi decided to continue to adhere to the open strategy, open the research and development technology of CyberDog 2 to the world, and encourage the participation of rice flour and technical geeks around the world. Lei Jun said that the open content includes the structural drawings, system codes and functional interfaces of robot dogs, as well as a set of visual programming tools.

In order to make people do DIY better, CyberDog 2 has designed nine detachable shells, all of which support 3D printing replacement. It even has an electrochromic special edition, which can change the skin color through programs.

When the CyberDog generation and the humanoid robot CyberOne were launched before, some people worried that Xiaomi’s research robot was just a "ticket-playing" nature and did not have the motivation for continuous research. But on CyberDog 2, we have seen a series of innovations oriented to basic technologies and applications, and more importantly, persistence.

Large language model is an important goal pursued by domestic and foreign technology companies. In this regard, Xiaomi said that as early as April this year, he set up his own Al model team, and the main breakthrough direction was lightweight local deployment.

A few days ago, Xiaomi’s 6.4 billion parameter model was exposed on GitHub, and it achieved the best performance of the same volume on both C-Eval and CMMLU benchmarks. According to the information given by C-Eval, MiLM-6B model has achieved high accuracy in all 20 subjects of STEM (science, technology, engineering and mathematics education), and many projects such as metrology, physics, chemistry and biology.

At yesterday’s press conference, Lei Jun said that MiLM-1.3B, the latest version of Xiaomi AI big model, has been successfully run locally on mobile phones, and some scenes can be compared with the running results of 6 billion parameter models in the cloud.

It can be seen that the research of Xiaomi’s big model focuses on landing and end-to-end operation. According to reports, their first deployment direction is the intelligent assistant Xiao Ai. Thanks to the large-scale model technology, Xiao Ai has a more powerful brain, which can answer questions, inspire inspiration, create art and play a role in natural dialogue. Combined with the dialogue characteristics of the big model, Xiao Ai’s interactive model has been upgraded, and its original ability has been combined with the powerful general ability of the big model.

At present, Xiao AI, a big model version of AI, has started the invitation test. The first batch of supported models include Xiaomi 12 series and Redmi K50 series. I wonder who is faster than HarmonyOS in landing the big model on MIUI?

In the face of fierce competition in the industry, Xiaomi chose a technological breakthrough. "We will always adhere to Xiaomi’s vision and values, make good products that touch people’s hearts and are kind in price, and continue to increase investment in research and development based on technology. Lei Jun said. He said that Xiaomi’s R&D investment in 2023 is expected to exceed 20 billion. At present, Xiaomi has laid out 12 technical fields and 99 subdivided tracks, and its technical investment will reach 100 billion yuan in the next five years.

Lei Jun said that Xiaomi will choose technical fields with long-term value to human civilization and continue to invest for a long time. In the process of exploring science and technology, we will follow the following principles: deep cultivation of the underlying technology, long-term continuous investment, deep integration of software and hardware, and comprehensive empowerment of AI.

In yesterday’s speech, Lei Jun introduced the course of Xiaomi’s mobile phone hitting the high end. From insisting on the high-end road, to building a technical system with deep integration of software and hardware, and constantly improving the user experience, we can see that today’s Xiaomi has set its sights longer.