数字人民币利息怎么算

Core Viewpoint - The introduction of interest on digital renminbi marks the transition from "digital cash era" to "digital deposit currency era," with banks now able to utilize digital renminbi deposits as a funding source [1][2]. Group 1: Digital Renminbi Interest Calculation - Digital renminbi wallets can earn interest starting January 1, with interest calculation rules aligned with those of demand deposits, currently set at an interest rate of 0.05% [1]. - Interest is credited on specific dates: March 20, June 20, September 20, and December 20, and users can check their interest amounts in the digital renminbi app after these dates [1]. Group 2: Authentication and Product Development - Users must complete real-name authentication for their digital renminbi wallets to earn interest, as wallets opened with just a phone number cannot accurately verify account information [2]. - The digital deposit currency era is expected to motivate banks to develop more deposit, wealth management, and credit products around interest-bearing digital wallets, enhancing the "payment + finance" ecosystem [2]. Group 3: Security and Compliance - Commercial banks are responsible for the security of digital renminbi wallets, providing payment services and ensuring compliance with anti-money laundering regulations, with deposits insured up to 500,000 yuan [3]. - Non-bank payment institutions must convert customer digital renminbi into their bank deposits, adhering to 100% digital renminbi reserve requirements to ensure safety [3].