建设银行指出，自2026年1月1日起，该行数字人民币实名钱包余额将按照该行活期存款挂牌利率计付利 息，计结息规则与活期存款一致，并相应修订《中国建设银行数字人民币钱包个人客户服务协议》相关 内容。该行也在公告中介绍到，数字人民币是指中国人民银行发行的法定数字货币和相关支付体系，采 用双层运营架构，由中国人民银行向数字人民币业务运营机构发行，再由数字人民币业务运营机构兑换 给公众。自2026年1月1日起，数字人民币钱包（不含四类钱包）中的钱包余额按照中国人民银行规定的 活期存款计结息规则计付利息，并由乙方依法代扣代缴利息税（如有）。 2026年1月1日起，数字人民币实名钱包余额将开始计付利息。 12月31日，工行、农行、建行、交行、邮储银行等国有银行公布了数字人民币钱包余额计息的规则。 工商银行、农业银行、邮储银行表示，为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计 结息规则与活期存款一致；交通银行表示，自2026年1月1日起，交通银行将数字人民币实名钱包（包含 一类、二类、三类个人钱包和单位钱包）余额，按照该行公布的活期存款挂牌利率计付利息。如用户开 立的数字人民币钱包为四类个人钱包，则钱包内的余额 ...

Group 1 - From January 1, 2026, digital RMB real-name wallet balances will earn interest based on the current demand deposit rate set by the banks [1] - The current demand deposit rate is 0.05% as per the announcements from major banks [1] - Digital RMB wallets are categorized into four types, with only real-name wallets (Type 1, 2, and 3) eligible for interest, while anonymous wallets (Type 4) do not earn interest [1] Group 2 - There are currently 10 designated operating institutions for digital RMB, including six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] - The People's Bank of China is working on expanding the number of operating institutions for digital RMB [2] - A new action plan has been issued by the central bank to enhance the management service system and financial infrastructure for digital RMB, set to be implemented on January 1, 2026 [2]

Core Viewpoint - Several major banks in China, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank, announced that starting January 1, 2026, they will pay interest on the balances of digital RMB real-name wallets at the same rate as current deposit rates, with interest calculation rules consistent with those for current deposits [1] Group 1 - The announcement involves multiple major banks in China [1] - Digital RMB real-name wallets will earn interest starting from January 1, 2026 [1] - Interest will be calculated according to the current deposit rate [1]

Group 1 - The six major state-owned banks in China will start paying interest on the balances of real-name digital RMB wallets at the same rate as demand deposits from January 1, 2026, marking a significant shift in the digital currency landscape [1][2] - The People's Bank of China has introduced a new action plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026, transitioning digital RMB from a "digital cash era" to a "digital deposit currency era" [1][4] - The definition of digital RMB has been updated to include the payment system and clarify the dual-layer operational structure, where the central bank issues digital RMB to operating institutions, which then exchange it with the public [3][4] Group 2 - The new digital RMB will have characteristics of commercial bank liabilities, transitioning from being a direct liability of the central bank to a liability of commercial banks, thus allowing wallet balances to earn interest and be covered by deposit insurance [4][5] - The action plan optimizes the dual-layer operational structure, assigning responsibilities to the central bank for rule-making and infrastructure, while commercial banks will manage customer wallets and ensure compliance, thus transforming their role from cost centers to profit centers [5][6] - The action plan integrates digital RMB into the traditional monetary control system, allowing bank-operated digital RMB to be included in the reserve requirement framework, which will enhance liquidity in the banking system [6][7] Group 3 - As of November 2025, the digital RMB pilot has processed 3.48 billion transactions with a total value exceeding 16.7 trillion yuan, indicating strong adoption and usage [7]

Core Viewpoint - Starting from January 1, 2026, interest will be paid on the balances of real-name digital RMB wallets, as announced by six major state-owned commercial banks in China [1][3]. Group 1: Interest Payment Arrangement - Customers with real-name digital RMB wallets at the specified banks will receive interest based on the banks' published demand deposit rates, with interest calculation rules consistent with traditional demand deposits [3]. - For example, Industrial and Commercial Bank of China (ICBC) will settle interest quarterly, with the interest credited on the 21st of each quarter's last month [3]. - The interest payment arrangement applies only to real-name wallets, while anonymous wallets will not earn interest [3]. Group 2: Regulatory Framework - This adjustment is part of the People's Bank of China's recent action plan aimed at enhancing the management and service system for digital RMB, which will officially launch on January 1, 2026 [3]. - The plan stipulates that banks must pay interest on real-name digital RMB wallet balances and adhere to self-discipline agreements on deposit interest rate pricing [3]. Group 3: Transition to Deposit Currency - The new system marks a transition of digital RMB from a cash-like version 1.0 to a deposit currency version 2.0, allowing banks to manage digital RMB wallet balances as liabilities [4]. - Digital RMB wallets will be insured similarly to traditional deposits, providing customers with equivalent safety guarantees [4]. - Currently, there are ten designated operating institutions for digital RMB, including the six major state-owned banks and several other commercial and internet banks [4].

Group 1 - The six major state-owned banks in China will start paying interest on the balances in customers' real-name digital RMB wallets at the same rate as current deposit rates, which is currently set at 0.05% [2][4] - Digital RMB, issued by the People's Bank of China, is a legal digital currency that can be used in various scenarios such as transportation, dining, shopping, and utility payments [4] - The pilot program for digital RMB has expanded from select cities to entire provinces, including major municipalities and several provinces like Guangdong, Jiangsu, and Zhejiang [4] Group 2 - The People's Bank of China has introduced an action plan to enhance the management and service system for digital RMB, effective from January 1, 2026, which includes interest payments on wallet balances and inclusion in deposit insurance [4] - Digital RMB wallets are categorized into four types based on the level of identity verification, with varying limits on account balances; the first three types are real-name wallets, while the fourth type is an anonymous wallet [5][6] - Currently, ten commercial banks are authorized to open digital RMB wallets, including the six major state-owned banks and four other banks [7]

Core Insights - The People's Bank of China has announced that starting January 1, 2026, interest will be paid on the balances of real-name digital RMB wallets at the current demand deposit rate of 0.05% [2][3] - Digital RMB wallets are categorized into four types, with only the first three types (real-name wallets) eligible for interest payments, while the fourth type (anonymous wallets) will not earn interest [2] - The digital RMB management service system and related financial infrastructure will officially launch on January 1, 2026, with banks required to comply with self-regulatory agreements on deposit interest rates [3] Group 1 - The current demand deposit rate is set at 0.05% [2] - Six major state-owned banks will implement interest payments on digital RMB real-name wallet balances according to the demand deposit rate [2] - The designated operating institutions for digital RMB currently include 10 banks, comprising six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] Group 2 - The new digital RMB management framework will include a measurement framework, management system, operational mechanism, and ecosystem [3] - Banks will be allowed to conduct asset-liability management for digital RMB wallet balances, with deposit insurance providing the same level of security as traditional deposits [4]

Core Viewpoint - The company has developed the Xiamen Digital Trade Platform, which integrates financial technology services, cross-border payment settlement, and global supply chain management to address long-standing issues faced by cross-border trade enterprises [1] Group 1 - The platform effectively resolves challenges such as difficulties in account opening, high transaction fees, and significant exchange losses for cross-border trade companies [1] - A two-way connectivity mechanism has been successfully established between the domestic end and the international end in Singapore, providing an efficient and convenient digital channel for China-Singapore trade [1]

Group 1 - The core point of the article is that from January 1, 2026, Bank of China will start paying interest on the balances of real-name digital RMB wallets at the same rate as its current deposit rates [1] - The interest calculation rules will be consistent with those of current deposits [1]

格隆汇12月31日丨新开普(300248.SZ)在投资者互动平台表示，近年来，公司创新基于数字人民币的智 慧校园解决方案，推动数字人民币在校园场景的落地。目前公司已为国内50余所院校、企业建设了数字 人民币项目，并与中国人民银行数字货币研究所、六大行、三大运营商建立了长期稳定的合作关系。 2022年1月，新开普"完美校园"APP和中国银行合作实现了数字人民币子钱包交易能力，成为全国前50 名、教育行业首家接入数字人民币APP的子钱包应用。2022年9月26日，公司与中国银行合作高校数字 人民币校园卡"硬钱包"项目在苏州工业职业技术学院全国首发落地，进一步拓展了数字人民币应用新渠 道、新载体、新场景，进一步实现了一卡多用功能，为校园小额高频消费提供了更安全、便捷、稳定、 高效的数字人民币应用保障。同时，荣获"中国银行苏州分行数字人民币生态建设合作伙伴"称号。未 来，新开普将结合现有业务场景，持续加大自主研发力度，完善数字人民币在教育、公交、企业、电 力、燃气、水利等行业的各项应用功能，同时，积极开拓新型应用场景，丰富多种支付方式，加快数字 人民币在各场景的落地，助力中国数字经济快速发展。 ...