在餐廳吃飯，到旅游景區，去商場購物，隻要出示數字人民幣支付碼，就能享受多重滿減優惠……如今，無論是在鹽田生活還是到鹽田旅游的人，都有一個明顯的感受——“使用數字人民幣支付，不僅方便還很劃算！”
Eating in restaurants, going to tourist attractions, shopping in malls, and simply showing the amount of the yuan paid to enjoy multiple benefits... Today, people who live in salt fields or travel in salt fields have a clear feeling that “payment in digital yuan is not only convenient but also easy to calculate!”
今年以來，深圳市鹽田區積極營造數字人民幣應用良好氛圍，高效投放數字人民幣消費補貼，推動預付式消費數字人民幣應用創新解決行業痛點，同時在數字人民幣投保、醫保基金監管、數字人民幣硬錢包等領域尋求突破，推動數字人民幣從“嘗鮮”到常用、支付到“智付”、產品到產業的蛻變，加速向構建數字人民幣應用先鋒城區邁進。
Since this year, the salt fields of Shenzhen City have been active in producing digital renminbis, using a good atmosphere, with an efficient investment of digital renminbis to supplement their consumption, and with the introduction of pre-paid yuans to address industrial pains by creating new ones, while seeking breakthroughs in areas such as digital yuan insurance, health fund supervision, digital people's coins and hard-packs, moving the digital renminbi from “trying” to “sweeping” and paying for “intellectual payments” and product-to-product payments, and accelerating progress towards the construction of numerical renminbis in the vanguard city.
鹽田區工業和信息化局主要負責人表示，數字人民幣集靈活性、便利性、安全性等特點於一體，是未來支付結算的必然趨勢。接下來，鹽田區將投放1500萬元用於發放數字人民幣消費券，力爭到2025年底，基本建成數字人民幣應用先鋒城區，形成服務便捷高效、應用覆蓋面廣、生態較為完善的數字人民幣運營管理體系，服務轄區經濟高質量發展。
According to the main manager of the industrial and information bureau of the Saltland District, the speciality of the digitized renminbi in terms of spirituality, convenience, and safety is the inevitable trend in future payments. Next, the saltland District will spend 15 million yuan on the release of the digit renminbi vouchers until the end of 2025.
應用增量：11個重點行業試點 創建數字人民幣示范商圈
Application increment: 11 points of emphasis for the creation of a digital Chinese currency demonstration business circle
今年7月，鹽田區舉行預付式消費數字人民幣應用推廣暨集中簽約儀式，邁出破解預付式經營難題、推廣數字人民幣應用試點的重要一步。
In July of this year, the Salt Fields introduced a prepaid digitized renminbi promotion and centralized signing ceremony, which was an important step in breaking down the problem of pre-paid business and promoting the digit digit appliance test.
簽約儀式上，鹽田區數字人民幣預付應用首批試點經營商戶代表分別與農業銀行、建設銀行簽訂《鹽田區預付式經營數字人民幣應用合作意向書》，實現了教育培訓、美容美發、文體娛樂、大型餐飲、寵物服務等11個重點行業全覆蓋。
At the signing ceremony, the Salt Field Digital People’s Dollar prepaid the first business run by the business representatives of the saltland region signed a letter of intent for cooperation in the use of the Salt Field Prepaid People’s Currency, which gives full coverage to 11 priority sectors such as education training, beauty and hairdressing, entertainment, large meals, and pet services.
安全放心的消費環境是經濟穩定健康發展的重要基礎。近年來，鹽田區高度重視優化消費環境工作，持續推進預付式經營領域數字人民幣試點應用工作，率先完成預付式經營基礎數據排查建檔。截至11月，已有80%的區內預付式商戶納入預付式平台監管，預計年底前實現預付式商戶簽約全覆蓋。
A safe and secure environment for consumption is an important foundation for stable and healthy economic development. In recent years, salt fields have placed a high priority on preferential consumption, continuing to promote the application of prepaid area digitized people’s points, and taking the lead in completing prepaid base data check files. As of November, 80% of the region’s prepaid vendors had been placed in a prepaid platform, and it is expected that by the end of the year all prepaid business will have been signed.
與此同時，為進一步打通數字人民幣使用的“最后一公裡”，助力數字人民幣“飛入尋常百姓家”，鹽田區會同中國人民銀行深圳中心支行、中國農業銀行深圳市分行開展“金融為民 數幣助力”暖心工程專題宣教活動，向大眾傳授數字人民幣的基礎知識和應用場景，切實提升人民群眾在金融服務方面的獲得感、幸福感和安全感。
At the same time, in order to further develop the digitized renminbi's “last guilder”, the digit renminbi “flys into ordinary people's homes”, the salt fields district, together with the Shenzhen Central Branch of the People's Bank of China and the Shenzhen City branch of the Bank of Agriculture of China, will launch an educational campaign on the subject of “Financial for the People's Million Dollars” Heathing Project, which will convey to the public the basic knowledge and applications of the digit renminbi, thereby enhancing the people's sense of acquisition, happiness and sense of security in financial services.
未來，鹽田區將在黨政機關、事業單位、區屬國有企業等場景擴大試點，推動數字人民幣在吃、住、行、游、娛、購、醫等重點民生領域和公共服務領域的推廣應用。推動數字人民幣在國庫支付、預付資金監管等場景落地，積極創建數字人民幣示范商圈、示范校園和示范醫院。
In the future, the saltland area will be promoting the promotion of areas of livelihood and public services in such places as party politics, business units, district-owned businesses, etc., as well as the consumption, housing, movement, travel, entertainment, buying, medical, etc., of the digit renminbi. The digit renminbi will be promoted in locations where the digit renminbi is paid in the national treasury, the prepaid funds monitor, etc., and the digit renminbi demonstration business, the model campus and the model hospital will be created.
豐富場景：數字人民幣文旅消費券為幸福生活“加碼”
Favourable scene: Numerical People's Bills for Happy Living “plus”
滿300減90、滿500減150、“0元住酒店”“0元坐直升飛機”“0元吃招牌菜”……為提高群眾使用數字人民幣支付的積極性和主動性，鹽田區結合區情特色，發放數字人民幣文旅消費券，覆蓋酒店、餐飲、珠寶、景區等各大領域。
A total of 300 to 90, 500 to 150, and a “0 dollar hotel”, “0 dollars in a helicopter”, “0 dollars in a pedestal,” are designed to increase the positive and primaryity of the amount paid by the crowd for the use of the digit renminbi, the salinity of the area, the speciality of the saline area, the distribution of the digital People’s Currency Brigade’s consumption vouchers, and the covering of major areas such as hotels, restaurants, jewellery, viewing areas, etc.
一位支付業內人士表示，“數字人民幣消費券的靈活性較高，既支持拆分使用，也支持滿減使用。同時，數字人民幣通用程度高，比普通消費券更實在，因此用數字人民幣的形式發放消費券，讓消費者感覺得到了‘真金白銀’，消費意願比普通消費券更強。”
According to one payer, “the digital renminbi vouchers are more dynamic, supporting both split-and-down use. At the same time, the digital renminbi is more common than the normal ones, so that they are issued in the form of the digital renminbi, making consumers feel like they have `real platinum' and prefer to spend more than the ordinary ones.”
接下來，鹽田區將積極探索數字人民幣在跨境消費、外匯服務、金融產品、工程款項監督、智慧養老等應用場景下的創新試點，例如，依托中英街改造契機，打造“全國首個深港跨境特色消費街區”、開設“鹽田旅游數幣專線巴士”，串聯起鹽田熱門商圈、舉辦數字人民幣先行先試創新應用產品發布會，推動數字人民幣賦能產業發展，研究出台專項產業政策，打造數字人民幣產業載體，實現數字人民幣與批發零售、文旅餐飲、工業轉型、鄉村振興等產業高質量融合。
Next, the Salt Fields will actively explore innovative ideas in the context of such applications as cross-border consumption, external services, financial products, supervision of engineering funds, and intelligent ageing. For example, it will build “the first deep port of the country,” a “cross-border waste area”, a “saltland tourism minibus”, a combination of Salt Fields’ primer business circles, a digital people's currency pre-testing and new appliance marketing conference, the promotion of digital people's money endowments, the development of specialized industries, the development of a digital people's capital vehicle, and the integration of the high quality of such industries as the people's currency and wholesale retail, cultural meals, industrial transformations, and rural stimuli.
做強保障：持續營造良好的“數字人民幣生態圈”
Strength: Continue to build a good “digital currency circle”
隨著數字人民幣試點范圍持續擴大、試點領域不斷深入，風險防控也愈發重要。
As the size of the digital renminbi test continues to expand and the field of the test continues to expand, risk prevention becomes even more important.
日前，圳品集團正式落戶鹽田，轄區銀行與圳品集團已達成初步合作意向，推廣“圳品”品質保險數字人民幣智能合約投保方案。此舉將通過投保避免因品質未達標造成的損失，為農產品生產經營者提供保險保障，同時可通過引入數字人民幣方式投保，利用數字人民幣智能合約實現保險自動理賠流程，提高運作效率，有效促進農產品優質生產，保障消費者的合理權益，助推“圳品”高質量發展。
In the past, the Shenzhen Group has officially settled the salt fields, and the Bank of the Region and the Shenzhen Group have reached an initial cooperative intention to promote an insurance policy for the “Shenzhen” Quality Insurance Number.
在助力解決預付式消費行業發展難題方面，鹽田區依托數字人民幣實現“融資+投保”創新模式，全力支持轄區銀行創新探索“數字人民幣+數字普惠”模式，基於數字人民幣可溯源特性，根據預付訂單等經營數據核定授信額度，解決了行業主管部門和經營主體的關注痛點，拓寬普惠金融服務廣度，豐富數字人民幣生態應用場景。
In order to help solve the problem of the development of the pre-paid consumer sector, the Saltlands region relies on the digitized People's Currency to implement a new model of “banking plus insurance” and fully supports the territorial banks in their search for a new “digital + digit inclusion” model, based on the retroactive character of the digits, which, according to the approved credit rating of the records, such as the pre-paid orders, solves the pains of the industry's directors and operators, expands the breadth of inclusive financial services, and allows for a digitally productive use of the people's currency.
同時，鹽田區鼓勵轄區銀行和保險機構探索“商業保險+數字人民幣+平台監管”模式，旨在進一步擴大“數字人民幣+商業保險”在預付式消費領域的覆蓋范圍，依托數字人民幣和保險保障對預存款項實現100%覆蓋，一旦商家出現“跑路”等異常情況，保險公司將對保障范圍內的款項予以賠付。（記者 黃子芸 胡玥）
At the same time, Saltlands encourages banks and insurance agencies in the region to explore the model of “Commercial Insurance + Digital People's Dollar + Platform Control” with the aim of further expanding the coverage of “digital People's Dollar + Business Insurance” in the area of pre-paid consumption, based on 100 per cent coverage of pre-paid deposits on the basis of digits and insurance guarantees, and in the event of unusual circumstances, such as a “runway” for the business, the insurance company will pay for the payments within the scope of the guarantee.
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