【导读】数字人民币告别"无息时代"！六家国有大行集体官宣并公布计息方式 同时，《行动方案》也明确提及，银行机构为客户实名数字人民币钱包余额计付利息，遵守存款利率定价自律约定。由此，银行可以对数字人民币钱包余 额自主开展资产负债经营管理，由存款保险依法提供与存款同等的安全保障。 | 父 直 张 行 | 交银金融网 ▶ | | 本网站支持IPv6 ● ♥ 常用信息 境内客服及投诉: 95559 ▼ | 油输入您要搜索的关键词 | ○ 简 繁 En 无障碍 关怀版 | | | --- | --- | --- | --- | --- | --- | --- | | 个人业务 企业务 同业金融 开放金融 市场研究 投资者关系 关于我们 | S 交通银行全球集团门户 | 前页 | | | | | | ▲ | | | | | | | | 您当前位置:首页 » 里要公告 | | | | | | | | 关于数字人民币计付利息的公告 | | | | | | | | 时间:2025-12-31 | | | | | | | | 尊敬的客户: | | | | | | | | 自2026年1月1日起，交通银行将为您开立在我行的数字人民 ...

格隆汇12月31日丨阳光诺和(688621.SH)公布，近日，公司与中国邮政储蓄银行股份有限公司北京昌平 区支行签署了《公司信贷业务合同补充协议》，原借款合同约定的借款期限由12个月延长至24个月，借 款用途不变。 ...

Core Insights - The A-share market in 2025 marked a significant milestone with the index crossing a decade threshold, market capitalization exceeding one trillion, and record trading volumes, driven by policy incentives and liquidity [1][8] Group 1: Overall Market Performance - The total refinancing scale reached 950.865 billion, a year-on-year increase of 326.17% [3][10] - The majority of the refinancing growth came from private placements, which totaled 887.732 billion, reflecting a 412.99% increase year-on-year [3][10] - The number of refinancing applications accepted was 251, with a 100% approval rate across all listed sectors [3][10] Group 2: Specific Financing Types - The total amount raised through convertible bonds was 63.133 billion, marking a 30.77% increase year-on-year [7][14] - No funds were raised through rights issues or preferred shares during the year [3][10] Group 3: Industry Breakdown - The banking sector led in fundraising through private placements, raising 520 billion, accounting for 58.58% of the total [5][12] - The electronics industry had the highest number of private placement projects at 30 [5][12] - The top five industries in terms of total fundraising included banking, electronics, non-bank financials, public utilities, and defense, collectively raising 708.618 billion, which is 79.82% of the total [5][12] Group 4: Convertible Bonds Industry Breakdown - The electronics sector also led in the number of convertible bond projects with 10 [7][14] - The real estate sector raised 13.3 billion through convertible bonds, representing 21.07% of the total [7][14] - The top five industries for convertible bond fundraising included public utilities, power equipment, electronics, and machinery, raising a total of 475.72 billion, which is 75.35% of the total [7][14]

Core Insights - The A-share market in 2025 marked a significant milestone with indices crossing a decade threshold, market capitalization exceeding 100 trillion, and record trading volumes, driven by policy benefits and liquidity [1][6] Summary by Category Overall Market Performance - The total refinancing scale reached 950.865 billion yuan, a year-on-year increase of 326.17% [3][10] - The majority of the refinancing came from public and private placements, totaling 887.732 billion yuan, which saw a growth of 412.99% year-on-year [3][10] - Convertible bonds raised 63.133 billion yuan, reflecting a year-on-year growth of 30.77% [3][10] - There were no funds raised through rights issues or preferred shares [3][10] Regulatory and Approval Process - A total of 251 refinancing applications were accepted, with 181 approved and 188 submitted to the CSRC (China Securities Regulatory Commission) [3][10] - The CSRC registered 173 applications, while 35 were terminated or withdrawn, indicating a 100% approval rate across all listed sectors [3][10] - Currently, 235 companies are in the refinancing queue, with various statuses in the approval process [3][10] Major Fundraising Projects - The top ten convertible bond projects raised a total of 38.331 billion yuan, accounting for 60.71% of the total fundraising [5][14] - Poly Development led the fundraising with 8.5 billion yuan, followed by Yiwei Lithium Energy and China General Nuclear Power with 5 billion yuan and 4.9 billion yuan, respectively [5][14] - The top ten placement projects raised a total of 624.447 billion yuan, representing 70.68% of the total fundraising [7][12] - China Bank topped the list with 165 billion yuan, followed by Postal Savings Bank, Bank of Communications, and China Construction Bank with 130 billion yuan, 120 billion yuan, and 105 billion yuan, respectively [7][12]

| | 中国邮 政储蓄 | | | | | | --- | --- | --- | --- | --- | --- | | | 银行股 | 洛金罚决 | | 罚款 | | | র | 份有限 | 字 | | રૂટ | | | | | (2025) | | | | | | 公司洛 | 41号 | | 万元 | | | | 阳市分 | | | | | | | 行 | | | | | | | 杨規涛 | | | | | | | (时任 | | 银行承兑汇票业 | | | | | 中国邮 | | 务贸易背景审查 | | 洛阳金融 | | | 政储蓄 | | 不尽职 | | 监管分局 | | | 银行股 | 洛金罚决 | | | | | | 份有限 | 字 | | | | | 5 | 公司洛 | (2025) | | 整告 | | | | 阳市分 | 42号 | | | | | | 行交易 | | | | | | | 银行部 | | | | | | | 总经 | | | | | | | 理) | | | | | 责任编辑：曹睿潼 | | 中国邮 | | | | | | --- | --- | --- | --- | ...

| 序号 | 当事人名称 | 行政处罚决 | 主要违 法违规 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | | | 定书文号 | | 内容 | 机关 | | | | | 行为 | | | | 1 | 中国邮政储蓄银 行股份有限公司 | 日金罚决字 (2025) 30 | | 罚款30万 元 | 国家金融 | | | | | | | 监督管理 | | | | | | | 总局日报 | | | 日照市分行 | 를 | | | | | | | | | | 监管分局 | | | 胡开桂(时任中 | 日金罚决字 | 億億億 理不到 位 | | | | | 国邮政储蓄银行 | | | | 国家金融 | | | 股份有限公司日 | | | | 监督管理 | | 2 | | [2025] 31 | | 普告 | | | | 照市分行三农金 | ηρ | | | 总局日服 | | | 融事业部副总经 | | | | 监管分局 | | | 理) | | | | | 责任编辑：曹睿潼 12月31日金融一线消息，国家金融监督管理总局日照监管分局行政处罚信息公开表显示， ...

Core Insights - The People's Bank of China has announced that starting January 1, 2026, interest will be paid on the balances of real-name digital RMB wallets at the current demand deposit rate of 0.05% [2][3] - Digital RMB wallets are categorized into four types, with only the first three types (real-name wallets) eligible for interest payments, while the fourth type (anonymous wallets) will not earn interest [2] - The digital RMB management service system and related financial infrastructure will officially launch on January 1, 2026, with banks required to comply with self-regulatory agreements on deposit interest rates [3] Group 1 - The current demand deposit rate is set at 0.05% [2] - Six major state-owned banks will implement interest payments on digital RMB real-name wallet balances according to the demand deposit rate [2] - The designated operating institutions for digital RMB currently include 10 banks, comprising six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] Group 2 - The new digital RMB management framework will include a measurement framework, management system, operational mechanism, and ecosystem [3] - Banks will be allowed to conduct asset-liability management for digital RMB wallet balances, with deposit insurance providing the same level of security as traditional deposits [4]

2026年1月1日起，央行发布的一次性信用修复政策将正式生效——对于2025年11月30日（含）前个人已 足额偿还的符合条件的逾期信息，央行征信系统将不再展示；而个人于2025年12月1日至2026年3月31日 之间足额偿还的符合条件的逾期债务，征信系统于次月月底前不予展示。 自本次政策发布以来，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行等 已迅速响应，通过官方渠道发布答疑信息。在政策落地之际，南都·湾财社记者针对消费者集中关心的 还款要求、修复流程、征信影响等热点问题进行详细解读，助力消费者精准把握政策红利，顺利实现信 用重塑。 如何查询个人逾期信息是否符合一次性信用修复政策？ 本次信用修复政策不区分贷款机构、贷款类型，适用于个人名下的信用卡、房贷、消费贷等多种业务类 型，但个人需首先关注自己是否符合政策。如个人在2020年1月1日至2025年12月31日期间，存在单笔逾 期金额不超过1万元人民币的逾期欠款，且信贷逾期信息在金融信用信息基础数据库（中国人民银行征 信系统）中展示，个人可于2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信息，将 在征信系统中不予展示。 ...

数字人民币将正式告别"无息时代"。 2025年12月31日，工商银行、农业银行、交通银行公告，自2026年1月1日起，为数字人民币实名钱包余 额按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 工商银行关于数字人民 币计付利息的公告 图/银行官网 农业银行关于数字人民 币计付利息的公告 图/银行官网 交通银行关于数字人民 币计付利息的公告 图/银行官网 交通银行公告亦表示，客户开立在交行的数字人民币实名钱包（包含一类、二类、三类个人钱包和单位 钱包）余额，按照交行公布的活期存款挂牌利率计付利息。如客户开立的数字人民币钱包为四类个人钱 包，则钱包内的余额不计付利息。 此次利息计付政策的落地，源于中国人民银行近期出台的《关于进一步加强数字人民币管理服务体系和 相关金融基础设施建设的行动方案》（以下简称《行动方案》）。中国人民银行党委委员、副行长陆磊 在2025年12月29日公开发文表示，经过十年研发试点，数字人民币将从"数字现金时代"迈入"数字存款 货币"时代。《行动方案》将于2026年1月1日起正式实施，届时新一代数字人民币的计量框架、管理体 系、运行机制与生态体系将同步落地，其中重要的亮点就是，数字人 ...

Group 1: Financial Industry Development - The Chinese financial industry is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aiming for high-quality development and openness by 2025 [1] - Financial institutions are expected to direct funds towards key sectors encouraged by the state, such as technology and green initiatives, transitioning from quantity to quality in financial services [1] Group 2: Insurance Product Innovation - AIA Life is optimizing its medical insurance product system by launching the "Smart Choice Medical Insurance," which allows customers to customize their medical coverage through a modular product approach [2] - Fude Life Insurance is enhancing its product offerings in health insurance, annuities, and floating income products to meet diverse customer needs, focusing on health and quality of life [2] Group 3: Aging Population and Pension Finance - The financial industry is innovating products and models to build a multi-tiered pension security system in response to the aging population [3] - Dehua Angu Life has developed a comprehensive insurance product system for the elderly, achieving over 90% market share in disability insurance products [3] Group 4: Digital Transformation in Banking - Ningbo Bank is implementing a systematic, digital, and intelligent approach to enhance service efficiency and risk management through digital banking models [6] - Suzhou Bank has achieved an asset custody scale of 281.32 billion yuan by focusing on process optimization and technology empowerment [6] Group 5: Digital Claims and Service Efficiency - China Life is building a comprehensive digital claims service system, with over 160 million registered users on its insurance app, enhancing service accessibility [7] - Taikang Online has achieved a 99% automation rate in underwriting and a 97% automation rate in claims processing, showcasing significant advancements in digital transformation [8] Group 6: Green Finance Initiatives - Jiangxi Bank is pioneering green finance by offering "Green Transition Loans" to support traditional industries in their low-carbon transformation [9] - Xinhua Insurance has invested over 31.6 billion yuan in green projects, serving over 6,000 green enterprises to enhance their sustainable development capabilities [11] Group 7: Social Responsibility and Inclusive Finance - Xinhua Insurance has developed over 50 affordable insurance products targeting vulnerable groups, enhancing public satisfaction and access to insurance [12] - Sunshine Property Insurance has integrated consumer rights protection into its core strategy, focusing on transparency and proactive risk reduction [14] Group 8: Public Awareness and Education - Dehua Angu Life has actively participated in public insurance awareness campaigns, reaching over 1.02 million viewers in 2025 [15] - Financial institutions are increasingly focusing on consumer rights protection as a core value, enhancing trust and long-term relationships with clients [14]