数字人民币迎升级 实名钱包明年起自动计付利息

Core Viewpoint - The new generation of digital RMB will officially launch on January 1, 2026, transitioning from a cash-type version 1.0 to a deposit currency-type version 2.0, with banks paying interest on customer wallet balances based on their current deposit rates [1][2]. Group 1: Digital RMB Transition - Digital RMB will evolve from a "digital cash" to a "digital deposit" model, with banks required to pay interest on customer wallet balances [1][2]. - The implementation of the action plan is expected to have minimal impact on the operational capabilities of commercial banks [1]. Group 2: Interest Payment Mechanism - Banks will pay interest on the balances of real-name digital RMB wallets, aligning with the current deposit rates, without requiring additional actions from individual customers [2]. - The change in digital RMB's attributes may expand its application in payment scenarios, especially for enterprises and government entities [2]. Group 3: Regulatory Framework and Incentives - The action plan establishes a regulatory framework for digital RMB, incorporating it into the reserve requirement system for banks [3]. - Banks will have the autonomy to manage their digital RMB wallet balances, enhancing asset-liability management and encouraging the development of more financial products [4]. Group 4: Financial Stability and Innovation - The dual-layer operational system for digital RMB, recognized globally, will be further optimized to ensure monetary stability and support the real economy [5][6]. - The central bank will oversee business rules and technical standards, while commercial banks will manage customer wallets and ensure compliance [6].