Core Viewpoint - Starting from January 1, 2026, major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, with interest calculation rules aligned with those of current deposits [2] Group 1: Digital RMB Wallets - The announcement specifies that interest will not be paid on balances in four types of personal non-real-name wallets, which are typically used for small anonymous payments and require only mobile phone verification for activation [2] - Real-name wallets (types one, two, and three) require varying degrees of identity verification, highlighting a strengthened emphasis on real-name systems and financial security [2] - Consumers are advised to understand the type of wallet they hold, the interest calculation rules, and the limits and security of their funds [2]

作者 | 第一财经 杜川 本文字数：913，阅读时长大约2分钟 2025.12. 31 这意味着，四类钱包不属于各家银行计息的"实名钱包"范畴。 对社会公众来说，自2026年1月1日起，数字人民币实名钱包的余额将享有利息收益。 12月31日，中国银行、工商银行、农业银行、建设银行、交通银行、邮储银行六家国有大行相继发 布公告称，2026年1月1日起，将为开立在该行的数字人民币实名钱包余额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。 从几家大行官网来看，当前活期存款挂牌利率为0.05%。 从数字人民币钱包分类来看，目前数字人民币分为四类钱包。其中，一类、二类、三类钱包为实名钱 包，四类钱包为匿名钱包。 （注：我们会对线索进行核实。您的隐私将严格保密。） 推荐阅读 湖北一地官宣：生娃"奖房子" 例如，工商银行称，2026年1月1日起，数字人民币实名钱包（一类、二类、三类钱包）中的钱包余 额按照中国人民银行规定的活期存款结息规则计付利息，并由钱包运营机构依法代扣代缴利息税（如 有），钱包运营机构将为客户的钱包余额计付利息，按结息日我行挂牌活期利率计息，每季末月的 20日结息，21日入账。 工商银行 ...

Core Viewpoint - The six major state-owned banks in China announced that starting January 1, 2026, the balance in digital RMB wallets will earn interest based on the current deposit rate, marking the end of the "interest-free era" for digital RMB [2][5]. Group 1: Interest Payment Mechanism - The digital RMB wallets (including personal and corporate wallets) will earn interest according to the bank's published current deposit rates, while balances in certain wallet types (fourth category personal wallets) will not earn interest [5]. - Currently, the current deposit rate across these banks is set at 0.05% [6]. Group 2: Future Development and Regulatory Framework - The People's Bank of China (PBOC) has outlined a new action plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026 [6][7]. - The future digital RMB will be a modern digital payment and circulation method, supported by the central bank and possessing characteristics of commercial bank liabilities, with functionalities including value measurement, value storage, and cross-border payments [7]. Group 3: Adoption and Usage Statistics - As of November 2025, digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets and 18.84 million corporate wallets opened [8]. - The mBridge initiative has processed 4,047 cross-border payment transactions, with a total transaction amount equivalent to 387.2 billion yuan, where digital RMB accounted for approximately 95.3% of the transaction volume [8].

【导读】数字人民币告别"无息时代"！六家国有大行集体官宣并公布计息方式 同时，《行动方案》也明确提及，银行机构为客户实名数字人民币钱包余额计付利息，遵守存款利率定价自律约定。由此，银行可以对数字人民币钱包余 额自主开展资产负债经营管理，由存款保险依法提供与存款同等的安全保障。 | 父 直 张 行 | 交银金融网 ▶ | | 本网站支持IPv6 ● ♥ 常用信息 境内客服及投诉: 95559 ▼ | 油输入您要搜索的关键词 | ○ 简 繁 En 无障碍 关怀版 | | | --- | --- | --- | --- | --- | --- | --- | | 个人业务 企业务 同业金融 开放金融 市场研究 投资者关系 关于我们 | S 交通银行全球集团门户 | 前页 | | | | | | ▲ | | | | | | | | 您当前位置:首页 » 里要公告 | | | | | | | | 关于数字人民币计付利息的公告 | | | | | | | | 时间:2025-12-31 | | | | | | | | 尊敬的客户: | | | | | | | | 自2026年1月1日起，交通银行将为您开立在我行的数字人民 ...

Core Viewpoint - The major Chinese banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications, announced that starting from January 1, 2026, they will pay interest on the balances of digital RMB real-name wallets at the same rate as their demand deposit rates, with interest calculation rules consistent with those for demand deposits [1][3][4][7][10]. Group 1 - Industrial and Commercial Bank of China will apply the demand deposit rate for interest on digital RMB wallet balances starting January 1, 2026 [3]. - Agricultural Bank of China will also implement the same interest payment policy for digital RMB wallets from January 1, 2026 [4][6]. - Bank of China will follow suit, applying the demand deposit rate for digital RMB wallet balances effective January 1, 2026 [7][10]. Group 2 - China Construction Bank will pay interest on digital RMB wallet balances at the demand deposit rate starting January 1, 2026 [10]. - Bank of Communications will apply the demand deposit rate for interest on various types of digital RMB wallets, except for the fourth category personal wallets, which will not earn interest [10].

责任编辑：山上 股票频道更多独家策划、专家专栏，免费查阅>> 截至12月31日收盘，A股总市值(仅包括A股部分)超过108万亿元，按年末计算，创下历年新高。A股7只 股票市值超过1万亿元，分别为农业银行、工商银行、贵州茅台、中国石油、宁德时代、中国银行、工 业富联。农业银行今年首次超越工商银行，拿下A股市值冠军宝座，目前A股市值达到2.45万亿元。 ...

12月31日金融一线消息，截至12月31日收盘，7只股票A股市值超过1万亿元，分别为农业银行、工商银 行、贵州茅台、中国石油、宁德时代、中国银行、工业富联。农业银行今年首次超越工商银行，拿下A 股市值冠军宝座，目前A股市值达到2.45万亿元。 责任编辑：秦艺 责任编辑：秦艺 12月31日金融一线消息，截至12月31日收盘，7只股票A股市值超过1万亿元，分别为农业银行、工商银 行、贵州茅台、中国石油、宁德时代、中国银行、工业富联。农业银行今年首次超越工商银行，拿下A 股市值冠军宝座，目前A股市值达到2.45万亿元。 ...

Core Viewpoint - The total market capitalization of A-shares has exceeded 108 trillion yuan, reaching a record high by the end of the year [1] Group 1: Market Capitalization - As of December 31, the total market capitalization of A-shares (excluding other shares) surpassed 108 trillion yuan, marking a historical peak [1] - Seven stocks have a market capitalization exceeding 1 trillion yuan, including Agricultural Bank of China, Industrial and Commercial Bank of China, Kweichow Moutai, China Petroleum, CATL, Bank of China, and Industrial Fulian [1] - Agricultural Bank of China has overtaken Industrial and Commercial Bank of China to become the market capitalization leader among A-shares, with a market value of 2.45 trillion yuan [1]

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 first private enterprise "Water Saving Loan" project in Dongguan has been officially launched, with the Industrial and Commercial Bank of China (ICBC) Dongguan Branch leading the signing of a loan agreement to support water-saving facility construction and technology upgrades for a local food company [2][3]. Group 1: Project Overview - The "Water Saving Loan" is a specialized financing scheme developed by the Guangdong Provincial Water Resources Department and the People's Bank of China to support water-saving projects across various sectors in Guangdong Province [2]. - The project involving a local food company includes the construction of water-saving facilities and the implementation of multiple water-saving technology upgrades, with an expected annual production of 100,000 tons of Chinese pastries and an annual output value of 1.6 billion yuan [2]. Group 2: Bank's Role and Initiatives - The ICBC Dongguan Branch currently has a loan balance exceeding 52 billion yuan in the green finance sector and has implemented several measures to promote water resource conservation [3]. - The bank has actively participated in the project from the early stages, collaborating with the People's Bank, water authorities, and enterprises to tailor a syndicate financing plan based on specific project needs [3]. - A green channel has been established to enhance business approval efficiency, with a cross-departmental professional service team formed to facilitate project credit granting, contract signing, and guarantee procedures [3]. - The bank prioritizes support for "Water Saving Loan" projects and offers the best loan rates to assist the high-quality development of the water-saving industry [3].