数字人民币进入2.0版将带来哪些改变？一文深解

Core Viewpoint - The introduction of interest on digital renminbi marks its transition from a cash-like currency to a deposit currency, enhancing its functionality and potential for widespread adoption [3][4][5]. Group 1: Digital Renminbi Overview - Digital renminbi is a digital form of legal currency issued by the People's Bank of China, equivalent to physical renminbi, characterized by low cost and fast transaction times [1]. - The digital renminbi can be stored in digital wallets, which are categorized based on user identification levels, allowing for varying transaction limits [2]. Group 2: Transition to Deposit Currency - The new framework for digital renminbi, effective January 1, 2026, establishes it as a commercial bank liability, indicating a shift from cash to deposit currency [3][5]. - This transition allows digital renminbi to earn interest, enabling it to be used for loans and deposits, thus increasing its utility in the banking system [4][6]. Group 3: Banking System Implications - With digital renminbi classified as a bank liability, commercial banks are incentivized to offer more financial services, transforming their role from cost centers to profit centers [5][6]. - The ability to manage digital renminbi as an asset will enhance banks' motivation to promote its use, benefiting both users and banks [6]. Group 4: Adoption and Usage - As of November 2025, digital renminbi trials have successfully processed 34.8 billion transactions, amounting to 16.7 trillion yuan, indicating significant adoption across various sectors [7]. - The digital renminbi is being integrated into cross-border payment systems, with a notable 96% of transactions processed through the mBridge platform involving digital renminbi [8][10]. Group 5: Internationalization Efforts - The year 2025 is pivotal for the internationalization of digital renminbi, with initiatives aimed at enhancing its role in cross-border payments and financial services [10][13]. - Various cross-border applications have emerged, including partnerships with banks in Hong Kong and Singapore, facilitating the use of digital renminbi for overseas transactions [12][13].