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

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][4]. 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 is credited quarterly on specific dates (March 20, June 20, September 20, December 20), and users can check their interest amounts through the digital renminbi app [2]. - Only real-name wallets (types one, two, and three) will earn interest, while type four wallets will not [3]. Group 2: Security and Insurance - Digital renminbi balances are covered by the deposit insurance system, providing the same level of security as traditional bank deposits [4]. - The digital renminbi is issued by the People's Bank of China, ensuring higher standards in anti-counterfeiting and anti-tampering measures [4]. - Users can contact their wallet's operating institution for any inquiries or issues related to their digital renminbi [4]. Group 3: Operational Framework - The new digital renminbi measurement framework aims to meet the evolving needs of the digital economy and enhance the management and service capabilities of the digital renminbi [5][6]. - The transition to digital deposit currency will not lead to a "deposit migration" from commercial banks but will instead clarify the responsibilities and rights of operating institutions [6]. - Digital renminbi balances will be included in the reserve requirement framework, ensuring they are treated as liabilities of commercial banks [6]. Group 4: Ecosystem Development - 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 payment and circulation system, compatible with distributed ledger technology [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 being conducted in digital renminbi [8].