数字人民币迎调整,2026年起钱包余额可计付利息

Core Viewpoint - The People's Bank of China has introduced an action plan to enhance the management and service system of digital RMB, with a new framework set to be implemented on January 1, 2026, marking a transition from "digital cash" to "digital deposit currency" [1] Group 1: Digital RMB Implementation - The digital RMB wallet balance will earn interest similar to demand deposits starting January 1, 2026 [1] - This initiative follows a decade of research and pilot programs, indicating a significant evolution in the digital currency landscape in China [1] Group 2: Economic Impact - China will become the first economy to pay interest on central bank digital currency, which is expected to enhance user willingness to adopt digital RMB [1] - The interest-bearing feature is anticipated to expand the usage scenarios for digital RMB, reinforcing China's leading position in the global exploration of central bank digital currencies [1]