Suzhou is becoming a "digital financial innovation benchmark" city

Finance is the bloodline of the real economy, the "barometer" of economic development, and a stable "cockpit stone".

As a global industrial city, Suzhou must be inseparable from the support of financial services "soft power". How to find a closer combination of finance and the real economy to build the optimal financial ecosystem that promotes the development of industrial innovation clusters, Suzhou has never stopped exploration.

In 2019, three important innovation pilots in the country's first small and micro enterprise digital credit reporting area, fintech innovation supervision, and digital RMB successively "settled" Suzhou. The advantages of innovation pilots are superimposed, allowing Suzhou to officially start the "run" model of exploring digital financial innovation and development.

The years have been three years. What is the answer to this "digital financial innovation pilot"? A Digital Finance event in the Yangtze River Delta showed the answer.

On September 19th, the opening ceremony of the 2nd Yangtze River Digital Digital Financial Industry Innovation Week and Suzhou Financial Support Industrial Innovation Cluster Development Conference were held in Suzhou Xiangcheng. Signed 9 funds with a scale of over 46 billion yuan; set up scientific and technological innovation collaborative development funds with a overall scale of 30 billion yuan; signing 20 projects, the total credit scale exceeds 54 billion yuan ... The benchmark city is "rising"!

Digital RMB accelerates into the lives of the people

Comprehensive application of mounting scenes and government scenarios

The starting point of digital RMB research and development and pilots is exactly the serving the real economy and convenient people's livelihood.

"Touching" payment, AI -free refueling, taking bus subway, watching movies ... A new era of digital economy has arrived, and new payment methods such as digital RMB are accelerating all aspects of the people's lives. In Suzhou, many citizens have long been "familiar" for the use process of digital RMB.

How hot is digital RMB in this pilot city in Suzhou? At the meeting, a set of data was vividly displayed. As of the end of August this year, Suzhou City opened 303 million personal wallets, 1.68 million to public wallets, 54.64 million transactions, and 36.28 billion yuan in transaction amounts. Pilot cities at the forefront. At present, digital RMB merchants in Suzhou have increased to 330,000 households. The applications in the fields of water, electricity, gas costs, communication fees, cable television fees have gradually expanded, and the cumulative transaction amount this year is 66.12 million yuan. Suzhou bus and rail transites have achieved full coverage of digital RMB ticket purchase. The total number of digital RMB transactions in the transportation field this year is 558,000.

Digital RMB APP is updated, and digital RMB application scenarios are constantly innovating. The comprehensive application of mounting scenes and government scenes is the biggest highlight of the pilot work of Digital RMB in Suzhou this year. At present, the pilot scenes are all over the country of Suzhou, covering 24 industry categories, and 850,000 are applied together. As of the end of August, this year Suzhou City opened 105,500 public wallets, and the opening rate of enterprises in the city was as high as 85%.

From the first to issue digital RMB transportation subsidies to civil servants, to the first digital RMB payment project on the country, from the first realization of digital RMB online payment real estate registration fees, to the issuance of the nation's first digital RMB stock funds and digital RMB awards funds, Suzhou has implemented many "first orders" to the mounting scene. At the same time, the continuous breakthrough in the field of bank loans and insurance is also a hot spot for Suzhou Digital RMB Innovation Pilot.

"Suzhou Digital RMB pilot atmosphere is good, there are many application scenarios, and related work has achieved a lot of results. Relevant departments also attach great importance to Suzhou and set up many specialized institutions here. This is why we choose Suzhou as one of the four cities in the country. , Establish the first batch of digital RMB scenarios construction centers. "Li Xin, chief business manager of the Bank of China Digital Currency Office, introduced that Bank of China implements digital RMB construction in accordance with the idea of" head bank's main construction and regional main battle ". Connecting the head office and regional links. "Next, the Bank of China Digital RMB Scenario Construction Center (Suzhou) will focus on the three major goals of the scene ecological construction, model creation, promotion, integration and value improvement, and build a 'fintech innovation service center that radiates the country to radiate the country to radiate nationwide '. "

Fan Yifei, deputy governor of the People's Bank of China, said that digital RMB has great potential for supporting economic development, improving the level of financial inclusiveness, and improving the operating efficiency of the currency and payment system. In the next step, the People's Bank of China will gradually expand the pilot scope to the whole province for the earliest pilot Shenzhen, Suzhou, Xiong'an, and Chengdu.

Government "setting up"+market "singing"

Promoting digital RMB pilots throughout the city's entire area

Digital RMB contains huge development potential in the digital economy era, and it is also an important link and foundation for digital finance.

In Suzhou, more digital RMB application scenarios are worth looking forward to! The new goals are anchored, and the effort is fully covered to achieve new actions. Suzhou will adhere to the two -wheel drive model of the government's "setting up" plus the market and "singing", and fully promote the pilot application of digital RMB in the city and the entire field of Suzhou City. Industrial agglomerations form an ecosystem and promote the development of digital finance to a new level.

At the meeting, Suzhou issued the "Suzhou City In -depth Promoting Digital RMB Pilot Action Plan": promoting the coverage of the field of people's livelihood services, focusing on the expansion of high -frequency scenarios such as high -frequency scenarios such as people's livelihood services that is closely related to the lives of the masses; In the field of application, piloting the use of digital RMB for enterprise award -making funds; exploring and promoting the use of digital RMB in public business, forming a norm of digital RMB in the field of public payment, and promoting the integration and development of the wallet system and the corporate account system. Explore more digital RMB application scenarios innovation, Suzhou High -tech Zone is the first to achieve the organic combination of traditional industries and digital RMB pilots. Recently, as a national -level "Intangible Cultural Heritage Suxiu Product Protection Demonstration Base", Suzhou High -tech Zone in Suzhou High -tech Zone and Suzhou Su High -tech Economic Industry Development Co., Ltd., the first national embroidered digital cloud platform "Small Small Embroidery Little The town "has officially launched the digital RMB payment function and completed the first order, realizing the first application of digital RMB in the inheritance and promotion of the national intangible cultural heritage line.

Digital RMB has achieved "ice break" in many fields in financial application scenarios, and truly realizes financial technology innovation to inject strong momentum into economic and social development.

The "Opinions on Promoting the Development of the Digital Financial Industry in Suzhou", which also released at the meeting, also put forward higher goals for the construction of digital RMB infrastructure. The "Opinions" requires further improvement of the digital RMB infrastructure system, promoting the People's Bank of China Governor's Triangle Digital Currency Research Institute and Yangtze River Delta Fintech Co., Ltd. in Suzhou to carry out more "first pioneers" pilots to accelerate the gathering of digital RMB pilot and related enterprises.

Suzhou will work hard to gather a batch of digital finance -related entities to form a good trend of accelerating the development of the digital financial industry, and accelerate the construction of digital financial innovation benchmark cities. By 2025, the digital transformation of financial institutions has achieved significant results, and the Digital Financial -related functional headquarters, fintech subsidiary or innovation laboratory in the system in the system will be settled in Suzhou in Suzhou. Two nationwide -leading digital financial agglomeration areas were built in Suzhou, more than 1,000 digital financial enterprises were gathered to cultivate 2 to 3 digital financial leading enterprises with a valuation of more than 10 billion yuan.

More than 300 digital financial companies gathered in Suzhou

The competitive advantage accumulated by Suzhou continues to highlight

Today, Suzhou has become the backbone of the national financial pilot reform and innovation, providing "Suzhou experience" for national financial reform.

How did Suzhou do it? It can be summarized by 4 words: dare to be the first. From "Zhangjiagang Spirit" to "Kunshan Road", from "park experience" to "open highlands", all of them are the result of "fighting", all of which are dare to explore the first.

In fact, as early as 2018, Suzhou took the lead in issuing the "Suzhou Fintech Development Plan (2018-2022)", proposed to build a fintech industry ecological chain, build a fintech application system, and promote the widely used financial technology in the financial field. Finance Technology companies realize cluster development, and the fintech industry has become the new economic growth pole of Suzhou. In 2021, the "Fourteenth Five -Year Plan for the Development of the Financial Industry in Suzhou City" proposed to build a benchmark city of digital financial innovation, actively integrate into the overall situation of digital development, and improve the supervision system and infrastructure that is compatible with digital financial innovation and development. Innovation of benefits financial services and digital RMB application innovation set benchmarks.

In recent years, Suzhou's digital financial industry has flourished, and gradually formed the development advantage of the digital financial industry in the Yangtze River Delta. At present, the three major digital RMB platforms of the Yangtze River Digital Currency Research Institute, the Yangtze River Delta Financial Technology Co., Ltd., and the Yangtze River Digital Financial Data Center have settled in Suzhou. Suzhou has gathered in including China Bank Gold (Suzhou), Jianxin Jinke (Suzhou Suzhou (Suzhou) ) Wait over 300 digital finance companies.

Running on the "Digital Financial Innovation" track, the competitive advantage accumulated by Suzhou continued to highlight. There are 292 licensed financial institutions, and more than 20 fintech innovation centers or laboratories have started operations in Suzhou. The Central Governor's Triangle Financial Technology has settled in Suzhou. Some legal persons holding licensed financial institutions are also actively deploying digital financial subsidiaries to continuously improve their innovation capabilities. A number of banks such as Bank of China, Minsheng Bank, and Bank of Jiangsu set up digital financial innovation institutions in Suzhou. "The number of newly registered digital financial enterprises has increased significantly, and the development momentum is good." The relevant person in charge of the Suzhou Municipal Financial Supervision Bureau said that since this year, the Bank of China Digital RMB Scenario Construction Center (Suzhou), the Bank of Jiangsu Zhi Digital Research Institute, Minsheng Bank, Minsheng Bank Digital RMB innovation institutions such as Digital RMB Application Innovation Lab, Ningbo Bank of Science and Technology Financial Center, Nanjing Bank Digital RMB Innovation Lab, Zhejiang Commercial Bank Digital RMB Innovation Application Lab and other digital RMB innovation application laboratories settled in Suzhou.

Along with a large number of digital financial innovation companies with growth potential, they were "attracted" in Suzhou, gathered in Suzhou, Suzhou's digital financial industry ecology has been further improved, and the products and services provided by digital financial companies are becoming more and more abundant. Intelligent monitoring, big data analysis, business transactions, information security management, etc., form a benign interaction with financial institutions.

Technology innovation with financial innovation service

Serve digital economy with digital finance

Finance is not only an important support for the construction of industrial innovation clusters, but also a key area for building industrial innovation clusters. At the meeting that day, Suzhou set a target: digital financial innovation benchmark city.

While developing digital finance in Suzhou, it has given full play to the advantages of Suzhou's only small and micro enterprise digital credit reporting experimental zone in Suzhou, and continuously increases the development of financial support for industrial innovation clusters.

Focus on policy guidance and cultivate innovative soil. In May of this year, Suzhou issued the "Work Opinions of Suzhou Financial Supporting Industrial Innovation Cluster Development", focusing on the four leading industries of electronic information, equipment manufacturing, biomedicine, and advanced materials, further increased financial support, and helped to build Suzhou with high levels to build Suzhou Features of industrial innovation clusters. Give full play to the role of finance, especially the capital market, promote the deep integration of finance and innovation, make every effort to build a financial service system that supports industrial innovation clusters and the development of full -cycle development, and accelerate the formation of Suzhou as the best marketing and industry brand brand as the best place for entrepreneurial investment. , Actively build the optimal financial ecosystem that promotes the development of industrial innovation clusters.

The "Work Opinions" clearly stated that by the end of 2025, the coverage of financial services in industrial innovation cluster enterprises in Suzhou will effectively increase the number of financial services. ; Multi -level equity investment fund system has gradually improved, and the management of fund managers registered in the China -Foundation Association exceeds 700 billion yuan; enterprises use the capital market to strengthen and promote it. 300.

Suzhou is with unprecedented courage and tenacity, and with a more advanced gesture, he dares to take a new way to promote the high -quality development of Suzhou. In the tide of hard work, draw the "Century Blueprint", and be a good economic "cockpit stone" in the province.

In the future, how should Suzhou's "digital finance development" road go? "Suzhou will rely on Dongsha Lake Fund Town, Suzhou Financial Town, Suzhou Bay Venture Capital Base, and Suzhou Ancient City to quote all types of equity investment institutions and private equity funds to improve the comprehensive financial service system covering the entire life cycle of the enterprise. "Cao Lubao, member of the Standing Committee of the Jiangsu Provincial Party Committee and Secretary of the Suzhou Municipal Party Committee, said that Suzhou will actively promote the digital transformation of the financial industry and continuously deepen the expansion and application of financial innovation achievements in advanced manufacturing, digital economy and other fields. economy. Suzhou will accelerate the promotion of digital RMB pilots in the city, actively build more application scenarios on the C, B -end, and G end, and accelerate the formation of industrialization advantages; continue to attract high -quality resources, promote the vertical extension and horizontal expansion of the digital RMB industry chain, and will be The advantage of the development of the innovation cluster of the digital financial industry.

Member: Yangtze Evening News/Zi Niu Journalist Zhang Tianyi

Intern Yang Wei

Edit: Zhao Tian

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