Recently, the ‘Horse Commemorative Banknote’—a 10-yuan note issued by the People’s Bank of China in 2014 to mark the Chinese Year of the Horse—has drawn significant attention in the secondary market, with its resale price surging over 80% above face value. Known among collectors as ‘Ma Chao,’ this limited-edition note features an elegant design and cultural significance, making it a favorite among numismatists since its release. In recent years, rising interest in collectibles, amplified by social media and short-video platforms promoting ‘banknote speculation,’ has driven prices even higher. According to data from major secondhand trading platforms, well-preserved Horse notes now typically sell for between 18 and 25 yuan, with special serial numbers or consecutive sets fetching even more—resulting in an overall premium exceeding 80%. Experts caution that while commemorative notes may hold collectible value, their market prices are highly susceptible to sentiment-driven fluctuations. Buyers should approach with caution and avoid speculative frenzy. It’s also worth noting that these notes remain legal tender at face value and are not officially designated as investment instruments; collecting should be driven by genuine interest rather than profit motives.
近期，‘马钞’在二手市场引发广泛关注，其溢价幅度已超过80%。所谓‘马钞’，是指2014年发行的中国生肖马年纪念钞，面值为10元，由中国人民银行发行。由于其发行量有限、设计精美且具有收藏意义，该纪念钞自发行以来便受到钱币收藏爱好者的追捧。近年来，随着收藏市场热度上升，加之社交媒体和短视频平台对‘炒钞’现象的推波助澜，马钞价格持续走高。据多家二手交易平台数据显示，品相完好的马钞当前售价普遍在18元至25元之间，部分特殊冠号或连号版本甚至拍出更高价格，整体溢价率已超80%。专家提醒，纪念钞虽具一定收藏价值，但其价格受市场情绪影响较大，投资者应理性看待，避免盲目跟风。此外，普通纪念钞仍可按面值流通，不具备法定投资属性，收藏应以兴趣为主，切勿过度投机。
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