事关数字人民币重大调整，对个人、银行有何影响？

Core Viewpoint - The People's Bank of China will officially implement the "Action Plan for Further Strengthening the Management and Service System of Digital Renminbi and Related Financial Infrastructure" on January 1, 2026, transitioning digital renminbi from a cash-type version 1.0 to a deposit currency version 2.0, which will enhance its functionality and integration into global payment systems [1][2]. Group 1: Key Aspects of the Action Plan - The digital renminbi will evolve from being merely "digital cash" to a fully functional "digital deposit currency," encompassing three core functions: value measurement, value storage, and cross-border payment, thus expanding its application scenarios [2]. - The operational model will deepen under a dual-layer structure, clarifying responsibilities, with commercial banks becoming the primary service and responsibility entities, allowing them to utilize digital renminbi deposits for lending and other financial activities [2]. Group 2: Implications for Users and Banks - For individual and corporate users, the digital renminbi will earn interest like a demand deposit, significantly increasing user willingness to hold it, while also encouraging more merchants to accept it, thereby enriching payment scenarios [3]. - The inclusion of digital renminbi in the deposit insurance system and the requirement for non-bank payment institutions to maintain 100% reserves will enhance security, while banks will gain a new source of funds for promotion and product development [3]. - The comprehensive integration of digital renminbi into regulatory frameworks such as reserve requirements and macro-prudential assessments will help mitigate financial disintermediation and shadow banking risks, ensuring healthy monetary circulation within the financial system [3].