数字人民币开始生息 年利率0.05% 工、农、中、建等大行集体公告

Core Viewpoint - The digital renminbi has transitioned from a "digital cash era" to a "digital deposit currency era," with the launch of the upgraded version 2.0 of the digital renminbi App, which will start paying interest on real-name wallet balances from January 1, 2026 [1][9]. Group 1: Digital Renminbi App Upgrade - The digital renminbi App has undergone 54 iterations since its launch in January 2022, focusing on enhancing user experience [1]. - The significant change in version 2.0 is the introduction of interest payments on real-name wallet balances, which will be calculated based on the current deposit rates of designated operating institutions [1][9]. Group 2: Interest Payment Mechanism - Interest will only be paid on real-name digital renminbi wallets, with the current interest rate set at 0.05% [1][8]. - Users can check their interest details in the App after the quarterly interest settlement dates, which are March 20, June 20, September 20, and December 20 [2][8]. Group 3: Wallet Classification and Compliance - Digital renminbi wallets are classified based on customer identity verification strength, with different types having varying transaction limits and requirements [8]. - Non-real-name wallets (fourth category) will not earn interest due to the inability to verify account ownership accurately [9]. Group 4: Implications for Banking and Financial System - The transition to a digital deposit currency signifies a shift from central bank liabilities to commercial bank liabilities, integrating digital renminbi into the deposit insurance framework [9][11]. - This change allows commercial banks to manage digital renminbi deposits actively, creating a sustainable market promotion mechanism and enabling the offering of traditional financial products [12][13]. Group 5: Future Prospects - Analysts suggest that the ability to earn interest on digital renminbi will encourage banks to innovate in asset management and enhance their operational incentives [12]. - The digital renminbi's integration into the traditional monetary framework provides new policy tools for the central bank, facilitating precise monetary policy implementation [13].