数字人民币破天荒计息！你的钱包要“生钱”了？

Core Viewpoint - The digital renminbi is set to undergo a significant transformation in 2026, transitioning from a non-interest-bearing currency to a digital deposit that earns interest, fundamentally changing personal finance management [1][3]. Group 1: Transformation of Digital Renminbi - The digital renminbi will no longer be labeled as "non-interest-bearing," allowing balances in real-name wallets to earn interest similar to bank deposits, with rates determined by a self-regulatory mechanism based on bank deposit rates [3]. - This change signifies a fundamental shift in the legal nature of digital renminbi, moving from "central bank liabilities to the public" to "commercial bank liabilities to customers," thus providing the same security as bank accounts, with deposits up to 500,000 yuan protected by deposit insurance [3]. Group 2: Impact on Banking and Credit Market - The reserve requirement ratio for commercial banks regarding digital renminbi will shift from 100% to a partial reserve system, enabling banks to lend out a portion of the digital renminbi deposits, potentially releasing hundreds of billions of yuan in credit space [4]. - Regulatory measures will continue to enforce a 100% reserve requirement for non-bank payment institutions, preventing the misuse of customer funds while providing traditional banks with a competitive advantage in the digital currency space [4]. Group 3: Changes for Consumers - Consumers will experience direct benefits as digital renminbi balances will now generate interest; for instance, a 1-year deposit of 10,000 yuan at an interest rate of 1.5% would yield 150 yuan in interest, marking a significant improvement from previous zero returns [4]. - The new digital renminbi will facilitate easier cross-border payments, enhancing connectivity with regions like Hong Kong and Singapore, allowing users to pay directly in digital renminbi without currency exchange [4]. - The evolution of digital renminbi from a payment tool to a financial management tool may lead to a new paradigm in personal finance, prompting discussions on whether to store funds in digital wallets or traditional bank accounts [4].