数字人民币存款利息如何计算？专家解答→

Core Viewpoint - The digital renminbi has upgraded from a digital cash to a digital deposit currency, allowing users to earn interest on their wallet balances starting January 1 [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 [2]. - Interest on the balance will be calculated based on the current deposit rate, with quarterly settlement dates on March 20, June 20, September 20, and December 20 [2]. - Only authenticated wallets (Type 1, 2, and 3) will earn interest, while Type 4 wallets will not [3]. Group 2: Advantages of Digital Renminbi - Digital renminbi balances will be insured under the deposit insurance system, providing safety comparable to traditional bank deposits [4]. - The digital renminbi incorporates advanced digital technology, allowing for secure transactions and the use of smart contracts [4]. - The upgrade aims to enhance the digital renminbi's management efficiency and service capabilities, aligning with the digitalization trends in the economy [6]. Group 3: Changes for Commercial Banks - The transition to digital deposit currency will allow commercial banks to manage digital renminbi wallet balances as part of their asset-liability operations [7]. - This change is expected to clarify the responsibilities and rights of operating institutions, thereby maintaining financial stability [7]. - Digital renminbi will be included in the reserve requirement framework, ensuring that wallet balances are treated as bank liabilities [7]. Group 4: Digital Renminbi Ecosystem - As of now, the digital renminbi application has opened 230 million personal wallets, indicating a growing user base [8]. - The digital renminbi is designed to function within a modernized financial system, supporting various monetary functions and cross-border payments [8]. - By the end of 2025, pilot 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].