数字人民币升级为2.0版 利息如何计算？专家解读

Core Viewpoint - The digital renminbi has been upgraded to version 2.0, transitioning from digital cash to 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, calculated at the current savings rate on a quarterly basis [2]. - Only authenticated wallets (types one, two, and three) will earn interest, while type four wallets will not [3]. - Users can check their interest earnings on specific settlement dates through the digital renminbi application [2]. 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 incorporates advanced security features, including anti-counterfeiting and anti-tampering measures, supported by the People's Bank of China [4]. 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 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]. Group 4: Market Statistics - As of now, the digital renminbi application has opened 230 million personal wallets, with a total transaction amount of 19.5 trillion yuan and 3.57 billion transactions processed [8].