数字人民币迎升级 实名钱包明年起自动计付利息

Core Viewpoint - The digital renminbi will transition from a cash-type 1.0 version to a deposit currency-type 2.0 version starting January 1, 2026, enhancing its functionality and application in various payment scenarios [1]. Group 1 - The People's Bank of China has issued an action plan to strengthen the management and service system for digital renminbi, which will allow banks to pay interest on customer digital renminbi wallet balances, aligning with the bank's current deposit rates [1][2]. - The new digital renminbi framework will include banks' digital renminbi operations under the reserve requirement system, enabling banks to manage their assets and liabilities more effectively [2]. - The implementation of the action plan is expected to address potential risks such as "financial disintermediation" and "deposit migration," thereby better supporting the real economy [2]. Group 2 - Currently, there are 10 institutions participating in the operation of digital renminbi, allowing the public to choose their digital renminbi wallet service providers based on the banks' deposit rates and financial services [1]. - The future development of digital renminbi will focus on meeting the needs of the real economy, with a balanced approach to account-based and value-based digital currency models [2].