Analysis of Internet Finance Sector Strength and Chuangshi Technology Limit-Up Sustainability

Based on the latest market data and search information, I will analyze the driving factors behind the strength of the internet finance sector and the sustainability of Chuangshi Technology’s limit-up.

According to the latest search results, the research and development of China’s central bank digital currency (e-CNY) has made significant progress. It is positioned as a digital alternative to circulating cash (M0), mainly used for replacing cash and retail transactions [2]. The digital renminbi adopts a two-tier operation model, with centralized issuance and management by the central bank, and enterprises and individuals opening wallets through the unified digital renminbi APP [2]. This creates huge market opportunities for electronic payment equipment and service providers.

The electronic payment sector performed prominently on December 16, with stocks like Cuiwei Co., Ltd., Aerospace Information Co., Ltd., Datang Telecom Technology Co., Ltd., and Hengbao Co., Ltd. hitting the daily limit. Chuangshi Technology, Sifang Jingchuang Technology Co., Ltd., Eastcom Peace Technology Co., Ltd., and Lakala Payment Co., Ltd. led the gains [1]. This reflects the market’s strong expectations for the upgrade of electronic payment infrastructure.

With the rapid development of the digital economy, the frequency of traditional cash use has decreased, and the demand for mobile payment and digital payment continues to grow. Financial institutions and retail enterprises have an increasing demand for intelligent payment solutions, bringing business growth to relevant technology companies.

From the search results, Chuangshi Technology (300941) mainly engages in electronic payment equipment manufacturing and solution provision. The company has technical advantages in the electronic payment equipment field, with products including hardware devices such as intelligent POS terminals.

1. High Industry Prosperity
   : Benefiting from the promotion of digital renminbi and the popularization of electronic payment
2. Clear Policy Support
   : The country holds a positive attitude towards the development of digital economy and fintech
3. Growing Market Demand
   : Strong demand for the replacement of traditional payment equipment

1. Excessive Short-Term Gains
   : May face profit-taking pressure after the limit-up
2. Need for Valuation Reversion
   : Current valuation needs to be supported by performance growth
3. Intensified Industry Competition
   : Fierce competition among electronic payment equipment manufacturers

Fintech companies should actively layout businesses related to digital renminbi, including hardware equipment manufacturing, software system development, and operation services.

Continue to invest in payment security, user experience, system stability, etc., to establish technical barriers and competitive advantages.

In addition to traditional retail payment, actively expand new scenarios such as government payment, public services, and cross-border payment.

While pursuing business innovation, strictly comply with financial regulatory requirements to ensure business compliance.

• Pay attention to the policy implementation in digital renminbi pilot cities
• Focus on tracking the order changes and performance of relevant companies

• Choose leading enterprises with obvious advantages in technology and customer resources
• Focus on platform companies that can provide comprehensive solutions

Overall, the strength of the internet finance sector is supported by deep-seated logic, but investors need to distinguish between short-term theme speculation and long-term value investment, focusing on the company’s core competitiveness and sustainable development capabilities.

[0] Jinling API Data
[1] Sina Finance - “Electronic Payment Sector Strengthens, Chuangshi Technology Leads Gains” (https://finance.sina.com.cn/stock/snipe/2025-12-16/doc-inhaymzp8542348.shtml)
[2] NetEase - “Wang Yongli, PhD in Economics and Co-Chairman of Digital China: Grasp the Essence, Explore Innovation” (https://www.163.com/dy/article/KGMLQTAL05568W0A.html)