责任编辑：秦艺 12月31日金融一线消息，据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息：中国 建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国 建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 责任编辑：秦艺 12月31日金融一线消息，据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息：中国 建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国 建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 ...

| 序 | 当事人名称 | 主要违法违规行 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | 를 | | 为 | | | | 1 | 中国建设银行股 份有限公司惠州 市分行、 中国建设银行股 | 代销业务严重违 反审慎经营规 | 对中国建设银行 股份有限公司惠 州市分行罚款39 万元,对中国建 | 国家金融监督 | | | | 则、信贷业务严 | 设银行股份有限 | 管理总局惠州 | | | | 重违反审慎经营 | 公司惠州博罗龙 | 监管分局 | | | 份有限公司惠州 | 规则 | 溪支行罚款20万 | | | | 博罗龙溪支行及 | | | | | | 相关责任人员 | | 元,对汪献忠、 | | | | | | 李国荣、曾国光 | | | | | | 分别给予警告。 | | 责任编辑：秦艺 责任编辑：秦艺 12月31日金融一线消息，据国家金融监督管理总局惠州监管分局行政处罚信息公开表显示，中国建设银 行股份有限公司惠州市分行、中国建设银行股份有限公司惠州博罗龙溪支行因代销业务严重违反审慎经 营规则、信贷业务严重违反审慎经营规则，被分别罚款39万 ...

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]

（中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委） 中央纪委国家监委网站讯 据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息：中 国建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中 国建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 ...

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]

（文章来源：每日经济新闻） 每经AI快讯，12月31日，据中央纪委国家监委驻中国建设银行纪检监察组、山东省纪委监委消息：中 国建设银行河南省分行原党委书记、行长石永拴涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中 国建设银行纪检监察组纪律审查和山东省聊城市监察委员会监察调查。 ...

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].

中国邮政储蓄银行研究员娄飞鹏介绍，四类钱包是数字人民币个人非实名钱包，仅需手机号验证开通， 不绑定银行卡，属匿名性质，多用于小额匿名支付场景。实名钱包（一、二、三类）则需不同程度身份 核验。相关公告限定，凸显了对实名制与金融安全的强化要求。娄飞鹏提示，对消费者而言，需要确定 钱包类型，了解计息规则，注意钱包限额与资金安全。 今天，工商银行、农业银行、建设银行、交通银行、邮储银行发布公告，自2026年1月1日起，将为数字 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。 本文转自【央视财经】； 此外，建设银行公告不含四类钱包；交通银行发布的公告称，如客户开立的数字人民币钱包为四类个人 钱包，则钱包内的余额不计付利息。 ...

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]