从数字现金升级为数字存款货币 数字人民币存款利息如何计算（政策解读）

Core Viewpoint - The upgrade of the digital renminbi to version 2.0, effective from January 1, transforms it from digital cash to digital deposit currency, allowing users to earn interest on their wallet balances [1][2]. Group 1: User Impact - The most direct change for individual users is that the balance in their digital renminbi wallets can now earn interest, calculated at the prevailing savings rate for real-name wallets [2]. - Interest will be credited quarterly on specific dates, and users can check their interest amounts through the digital renminbi application [2]. - Only real-name wallets (categories one, two, and three) will earn interest, while category four wallets will not [3]. Group 2: Security and Advantages - Digital renminbi balances are covered by the deposit insurance system, providing the same level of security as traditional bank deposits [4]. - The digital renminbi incorporates advanced digital technology, allowing for secure transactions and the use of smart contracts [4]. - The dual-layer operational framework ensures that digital renminbi is integrated into the banking system without disrupting traditional banking operations [6]. Group 3: Operational Framework - The new digital renminbi framework aims to meet the evolving needs of the digital economy and enhance the management and service capabilities of the digital currency [5][6]. - The digital renminbi will be included in the banks' balance sheets, allowing banks to manage these assets effectively [6]. - The operational structure clarifies the responsibilities and rights of the institutions involved, promoting financial stability [6]. Group 4: Adoption and Usage - As of now, there are 230 million personal digital renminbi wallets opened, indicating significant user adoption [8]. - The digital renminbi is designed to function as a modern digital payment and circulation method, compatible with distributed ledger technology [8]. - By the end of 2025, the trial regions are expected to have processed transactions amounting to 19.5 trillion yuan, with a significant portion of cross-border payments conducted in digital renminbi [8].