数字货币概念集体走强，东信和平2连板

Group 1 - The digital currency sector experienced a collective surge, with Dongxin Peace (002017) achieving a consecutive two-day limit-up [1] - Starting from January 1, 2026, the balance in digital RMB wallets will earn interest based on the bank's current deposit rate, marking a transition from "digital cash" to "digital deposit currency" [1] Group 2 - Guotai Junan Securities reported that the "14th Five-Year Plan" emphasizes the steady development of digital RMB, which is expected to enhance monetary policy transmission efficiency and support the internationalization of the RMB [2] - CITIC Securities noted that digital RMB is evolving from a "central bank liability" model to a "deposit currency" model, which will allow interest accrual and reserve requirements, effectively becoming a general deposit [2] - This institutional adjustment is anticipated to stabilize bank liabilities and improve the efficiency of monetary policy transmission under the reserve and interest rate framework [2] - The digital RMB is expected to serve as a crucial tool linking corporate and retail sectors, potentially replacing third-party payment platforms in the payment process [2] - Future developments in bank digital RMB services will shift focus from qualification to capability, necessitating banks to enhance their service offerings in a scenario-based and specialized manner [2]