证券日报网讯 12月31日，新开普（300248）在互动平台回答投资者提问时表示，近年来，公司创新基 于数字人民币的智慧校园解决方案，推动数字人民币在校园场景的落地。目前公司已为国内50余所院 校、企业建设了数字人民币项目，并与中国人民银行数字货币研究所、六大行、三大运营商建立了长期 稳定的合作关系。2022年1月，新开普"完美校园"APP和中国银行合作实现了数字人民币子钱包交易能 力，成为全国前50名、教育行业首家接入数字人民币APP的子钱包应用。2022年9月26日，公司与中国 银行合作高校数字人民币校园卡"硬钱包"项目在苏州工业职业技术学院全国首发落地，进一步拓展了数 字人民币应用新渠道、新载体、新场景，进一步实现了一卡多用功能，为校园小额高频消费提供了更安 全、便捷、稳定、高效的数字人民币应用保障。同时，荣获"中国银行苏州分行数字人民币生态建设合 作伙伴"称号。未来，新开普将结合现有业务场景，持续加大自主研发力度，完善数字人民币在教育、 公交、企业、电力、燃气、水利等行业的各项应用功能，同时，积极开拓新型应用场景，丰富多种支付 方式，加快数字人民币在各场景的落地，助力中国数字经济快速发展。 ...

【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 ...

Core Viewpoint - The major Chinese banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications, announced that starting from January 1, 2026, they will pay interest on the balances of digital RMB real-name wallets at the same rate as their demand deposit rates, with interest calculation rules consistent with those for demand deposits [1][3][4][7][10]. Group 1 - Industrial and Commercial Bank of China will apply the demand deposit rate for interest on digital RMB wallet balances starting January 1, 2026 [3]. - Agricultural Bank of China will also implement the same interest payment policy for digital RMB wallets from January 1, 2026 [4][6]. - Bank of China will follow suit, applying the demand deposit rate for digital RMB wallet balances effective January 1, 2026 [7][10]. Group 2 - China Construction Bank will pay interest on digital RMB wallet balances at the demand deposit rate starting January 1, 2026 [10]. - Bank of Communications will apply the demand deposit rate for interest on various types of digital RMB wallets, except for the fourth category personal wallets, which will not earn interest [10].

Group 1: Aerospace and Satellite Industry - TX TAL CON X I focuses on autonomous chip development for satellite real-time processing and radar signal processing, achieving 100% domestic production for its eMMC storage controller chip [2] - Fenghuo Communication plans to establish a venture capital fund with partners to invest in new generation information technologies including optical communication and semiconductors [2] - Changjiang Communication is actively developing low-orbit satellite communication, contributing significantly to the standardization of satellite-ground integration in China [2] - China Satellite is a leading domestic satellite manufacturer and a major provider for the Beidou navigation system [3] - Lianchuang Optoelectronics is involved in a superconducting magnet project and is the only company in China capable of designing and manufacturing high-field superconducting magnets [3] Group 2: Robotics and AI - Fenglong Co. is experiencing a surge in stock performance, with a focus on robotics and AI technologies [5] - Macro Intelligent has developed various robots for industrial cleaning and mining operations, expanding its applications in aerospace [5] - Companies like Yubiquitous and Tai'er are advancing in the robotics sector, with products covering various industrial applications [5] - The industry is witnessing a wave of IPOs, indicating strong market interest and investment potential in robotics [5] Group 3: Digital Currency and Financial Technology - Industrial and Agricultural Banks will start paying interest on digital RMB wallets from January 1, 2026 [6] - Zhongke Tingnan is actively exploring digital RMB applications in fiscal operations, successfully implementing various use cases [6] - Yuyin Co. has established a digital currency research center to study applications in smart devices [6] Group 4: Consumer Goods and Retail - Baba Foods, a leader in frozen Chinese pastry products, reported a 19.4% increase in net profit for the first three quarters [6] - Nurturing Beverage, the largest producer of walnut milk in China, is increasing its investment in semiconductor companies [6] - Wan Shili has integrated AI technology into its silk product designs, enhancing its market presence [6]

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]

Core Viewpoint - The company has developed the Xiamen Digital Trade Platform, which integrates financial technology services, cross-border payment settlement, and global supply chain management to address long-standing issues faced by cross-border trade enterprises [1] Group 1 - The platform effectively resolves challenges such as difficulties in account opening, high transaction fees, and significant exchange losses for cross-border trade companies [1] - A two-way connectivity mechanism has been successfully established between the domestic end and the international end in Singapore, providing an efficient and convenient digital channel for China-Singapore trade [1]

Group 1 - The core point of the article is that from January 1, 2026, Bank of China will start paying interest on the balances of real-name digital RMB wallets at the same rate as its current deposit rates [1] - The interest calculation rules will be consistent with those of current deposits [1]

格隆汇12月31日丨新开普(300248.SZ)在投资者互动平台表示，近年来，公司创新基于数字人民币的智 慧校园解决方案，推动数字人民币在校园场景的落地。目前公司已为国内50余所院校、企业建设了数字 人民币项目，并与中国人民银行数字货币研究所、六大行、三大运营商建立了长期稳定的合作关系。 2022年1月，新开普"完美校园"APP和中国银行合作实现了数字人民币子钱包交易能力，成为全国前50 名、教育行业首家接入数字人民币APP的子钱包应用。2022年9月26日，公司与中国银行合作高校数字 人民币校园卡"硬钱包"项目在苏州工业职业技术学院全国首发落地，进一步拓展了数字人民币应用新渠 道、新载体、新场景，进一步实现了一卡多用功能，为校园小额高频消费提供了更安全、便捷、稳定、 高效的数字人民币应用保障。同时，荣获"中国银行苏州分行数字人民币生态建设合作伙伴"称号。未 来，新开普将结合现有业务场景，持续加大自主研发力度，完善数字人民币在教育、公交、企业、电 力、燃气、水利等行业的各项应用功能，同时，积极开拓新型应用场景，丰富多种支付方式，加快数字 人民币在各场景的落地，助力中国数字经济快速发展。 ...

新京报贝壳财经记者 姜樊 编辑 陈莉 校对 杨利 本周一（12月29日），人民银行出台的《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》）明确，从明年起，数字人民币钱包余额将计付利息。 明日起，数字人民币实名钱包余额将开始计息。12月31日，工行、农行、建行、交行、邮储银行等国有 银行公布了数字人民币钱包余额计息的规则。 工行、农行、建行、交行、邮储银行均发布公告称，自2026年1月1日起，银行将为客户开立的数字人民 币实名钱包余额按照本行活期存款挂牌利率计付利息，计结息规则与活期存款一致。 值得注意的是，数字人民币钱包分为四类钱包。其中，一类、二类、三类钱包未实名钱包，四类钱包为 非实名钱包。因此四类钱包不属于各家银行计息的"实名钱包"范畴。交行在公告中明确，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。 数字人民币是指人民银行发行的法定数字货币和相关支付体系，采用双层运营架构，由中国人民银行向 数字人民币业务运营机构发行，再由数字人民币业务运营机构兑换给公众。 ...

Core Insights - The People's Bank of China has guided the Industrial and Commercial Bank of China (ICBC) to launch the first digital RMB smart enterprise park in Hebei Province, introducing a new direction for digital financial services through a nationwide first "Aerospace Information" series digital RMB hard wallet [1][2] Group 1 - The project is based on the successful launch of the "Xiong'an No. 1" satellite by Hongqing Technology, addressing the visitor management needs of the satellite intelligent manufacturing pilot base [1] - The digital RMB application integrates payment, identity verification, and access control through a super SIM card and hard wallet, enhancing user experience [2] - The scenario allows employees and visitors to use the super SIM card for various services, including access verification, dining, and self-service vending, while also supporting "tap-to-pay" in over 300 cities [2] Group 2 - For visitors without a super SIM card, ICBC's Xiong'an Innovation Branch can issue a themed digital RMB hard wallet on-site, enabling quick recharge via WeChat or the digital RMB app [2] - The hard wallet can be used across various consumption points in Xiong'an New Area, ensuring compatibility with Apple, Android, and Harmony operating systems [2] - The implementation of anonymous digital identity verification technology enhances visitor privacy while achieving a seamless payment experience [2]