六大银行集体官宣：计息

Group 1 - From January 1, 2026, digital RMB real-name wallet balances will earn interest based on the banks' current deposit rates [1][4] - The current interest rate for current deposits is 0.05% [2] - Digital RMB wallets are categorized into four types, with only real-name wallets (types one, two, and three) eligible for interest [2][3] Group 2 - The People's Bank of China has issued a plan to enhance the management and service system for digital RMB, which will officially start on January 1, 2026 [4] - Banks will be allowed to manage the assets and liabilities of digital RMB wallet balances independently, with deposit insurance providing the same level of security as traditional deposits [4] - The designated operating institutions for digital RMB currently include 10 banks, comprising six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [3]