具体利率执行标准您可通过交通银行官方网站、手机银行App或营业网点查询。如有疑问，可拨打交通 银行客服热线95559，或数字人民币统一客服热线956196咨询。 2025年12月31日，交通银行（601328）发布公告称，自2026年1月1日起，交通银行将为数字人民币实名 钱包（包含一类、二类、三类个人钱包和单位钱包）余额，按照活期存款挂牌利率计付利息。如您开立 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。 ...

2026年1月1日，招商银行（600036）发布公告称，自2026年1月1日起，招商银行将为数字人民币实名钱 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。 ...

作为数字人民币体系的重要载体，数字人民币App也焕新升级，迎来2.0版本。本次更新优化了钱包界面 的设计元素。各数字人民币业务运营机构的钱包界面采用不同传统花卉作为主视觉元素，如牡丹、梅 花、荷花、兰花等，10种花卉图案分别用于10家运营机构的钱包界面中。 自2026年1月1日起，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。每季度末结息日之后， 用户点击首页的钱包资产区域，进入钱包资产页，即可查看结息详情。 本报讯（记者 潘福达）新年伊始，数字人民币正式从"数字现金时代"迈入"数字存款货币时代"。 此前，人民银行出台《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》，新一代数字人民币计量框架、管理体系、运行机制和生态体系于2026年1月1日正式启动实施。其 中明确，银行机构为客户实名数字人民币钱包余额计付利息。这意味着数字人民币可以生息，其货币层 次由流通中现金拓展到存款。 ...

Group 1: Digital Currency Developments - The People's Bank of China has announced that digital RMB will start accruing interest, transitioning from a cash-based model to a deposit currency model by January 1, 2026 [1] - This change allows banks to pay interest on digital RMB wallet balances, enhancing liquidity within the banking system and potentially increasing user willingness to adopt digital RMB [2] Group 2: National Subsidy Policy for 2026 - The National Development and Reform Commission and the Ministry of Finance have clarified the "National Subsidy" policy for 2026, focusing on four categories: vehicle scrappage, vehicle replacement, home appliances, and digital products [3] - The subsidy for home appliances has been reduced from 12 categories to 6, and the subsidy rates for vehicles have shifted from fixed amounts to a percentage of the new vehicle price [3] Group 3: VAT Law Implementation - The VAT Law Implementation Regulations will take effect on January 1, 2026, maintaining the current VAT system framework while enhancing clarity and operability of the tax system [5][6] - The regulations address key issues in VAT collection and taxpayer rights, supporting the smooth implementation of the VAT Law [6] Group 4: Housing Tax Policy Changes - Starting January 1, 2026, individuals selling homes purchased for less than two years will pay a reduced VAT rate of 3%, down from 5%, effectively lowering transaction costs [7] - This adjustment is expected to alleviate financial pressure on homeowners and facilitate inventory reduction in the housing market [7] Group 5: A-Share Market Performance - The A-share market closed the year with the Shanghai Composite Index rising over 18%, marking its largest annual increase in six years, with significant contributions from sectors like CPO, storage chips, and non-ferrous metals [8] - The total market capitalization of A-shares reached nearly 109 trillion yuan, reflecting a robust market performance despite earlier volatility due to external factors [8] Group 6: Manufacturing PMI Recovery - The manufacturing PMI rose to 50.1% in December 2025, indicating a return to expansion after eight months below 50%, driven by improved production expectations and new orders [9][10] - Large enterprises showed significant recovery, while small enterprises continued to lag behind, suggesting a mixed outlook for the manufacturing sector [9] Group 7: Precious Metals Market Volatility - Gold and silver prices experienced a sharp decline at the end of December 2025, following significant increases throughout the year, with gold rising approximately 70% and silver 150% [11][12] - The volatility was attributed to increased margin requirements by exchanges, impacting speculative trading in the precious metals market [11] Group 8: Meta's Acquisition of Manus - Meta has announced a multi-billion dollar acquisition of Manus, an AI startup, marking its third-largest acquisition to date [13] - This acquisition aims to enhance Meta's capabilities in AI applications, although it reflects ongoing challenges in competing with other tech giants like OpenAI and Google [14]

Group 1 - The six major state-owned banks in China will start paying interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, effective January 1, 2026 [1][3] - The current interest rate for current deposits is set at 0.05%, and only real-name wallets (categories one, two, and three) will earn interest, while anonymous wallets (category four) will not [1][3] - The People's Bank of China has introduced a new action plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026 [3] Group 2 - The action plan allows banks to manage the assets and liabilities of digital RMB wallet balances independently, while ensuring the same level of security as traditional deposits through deposit insurance [3]

Core Viewpoint - Guangdian Yuntong (002152) has shown a significant increase in stock price, reflecting strong market performance and a solid credit rating, while also facing potential risks in its financial technology sector [1][4]. Company Announcements - Guangdian Yuntong's long-term credit rating has been confirmed as AAA with a stable outlook by United Credit Ratings [1][4]. - The company has a leading market share in the domestic smart financial equipment sector and has shown consistent growth in asset scale and revenue from 2022 to 2024 [1]. Digital Currency Developments - The new digital RMB 2.0 framework will be implemented on January 1, 2026, transitioning from cash-based to deposit currency, with banks paying interest on wallet balances [2]. - The company is one of the few that can provide full-stack technology services for digital RMB, having built systems for 10 rural credit and city commercial banks [2][4]. - The Beibu Gulf digital RMB comprehensive service platform launched the first cross-institutional digital RMB smart consumption solution in September, showcasing its application in border trade scenarios [2][4]. International Expansion - The company adheres to a global localization strategy, operating in over 120 countries and regions, with a compound annual growth rate of over 20% in overseas revenue over the past decade [3].

2026年1月1日起，工商银行、中国银行、农业银行、建设银行、交通银行及邮储银行六家国有大行集体 实施数字人民币实名钱包计息政策，标志着数字人民币正式从"数字现金"升级为"数字存款货币"。 手把手教你开通数字人民币钱包 目前，用户可通过多种渠道便捷开通数字人民币钱包。主要支持银行已扩展至10家，包括工、农、中、 建、交、邮储六大国有行，以及招商银行、兴业银行两家股份制银行，此外还有网商银行（支付宝）和 微众银行（微信支付）。试点范围已拓展至多个省份及直辖市，包括北京、天津、上海、重庆等直辖市 在内，江苏省、广东省、山东省、河北省、四川省、海南省等省份已宣布开展全省试点。 开通步骤，以各大银行官方App为例： 招联首席研究员董希淼表示，计息政策将大幅提升用户持有意愿，促使更多商户接入，进一步丰富支付 场景，且数字人民币已纳入存款保险覆盖范围，安全性充分保障。中国邮政储蓄银行研究员娄飞鹏补 充，实名钱包计息凸显了金融安全与实名制要求，消费者需确认钱包类型以明晰计息规则，同时关注限 额与资金安全。 相关数据披露，截至2025年11月末，数字人民币累计处理交易34.8亿笔，累计交易金额16.7万亿元。通 过数字人民币 ...

钱包界面更新 花卉主题纹样：各数字人民币业务运营机构（以下简称"运营机构"）的钱包界面采用不同传统花卉作为主视觉元素，如牡丹、梅花、荷花、兰花 等。10 种花卉图案，分别用于 10 家运营机构的钱包界面中。 传统纹样背景：界面背景中融合凤鸟纹、羊角纹、八角纹等中国传统装饰纹样。 模拟变色效果：纹样内嵌数字人民币英文标识"e-CNY"；通过晃动手机，可见花卉图案上的动态光泽效果。 IT之家 1 月 2 日消息，据数字人民币运营管理中心微信公众号，新年伊始，数字人民币正式从"数字现金时代"迈入"数字存款货币时代"。作为数字人民币 体系的重要载体，数字人民币 App也焕新升级，迎来 2.0 版本。 自 2022 年 1 月在应用市场公开上架以来，数字人民币 App 以提升用户体验为核心持续迭代。从版本 1.0.0 到版本 2.0.0，共历经 54 次迭代更新。 IT之家附主要变化如下：实名钱包余额开始计息 自 2026 年 1 月 1 日起，数字人民币实名钱包余额将按照活期存款挂牌利率计付利息。 每季度末结息日之后，用户点击首页的钱包资产区域，进入钱包资产页，即可查看结息详情。 小贴士：实名钱包是指完成身份认证的数 ...

自2022年1月在应用市场公开上架以来，数字人民币App以提升用户体验为核心持续迭代。从版本1.0.0 到版本2.0.0，共历经54次迭代更新。 据数字人民币运营管理中心微信公众号1月2日消息，新年伊始，数字人民币正式从"数字现金时代"迈 入"数字存款货币时代"。作为数字人民币体系的重要载体，数字人民币App也焕新升级，迎来2.0版本。 ...

自2026年1月1日起，数字人民币实名钱包的余额将享有利息收益。 例如，工商银行称，2026年1月1日起，数字人民币实名钱包（一类、二类、三类钱包）中的钱包余额按照中国人民银行规定的活期存款结息规则计付利 息，并由钱包运营机构依法代扣代缴利息税（如有），钱包运营机构将为客户的钱包余额计付利息，按结息日我行挂牌活期利率计息，每季末月的20日结 息，21日入账。 工商银行提示，未到结息日清户时，按清户日挂牌公告的活期利率计息到清户前一日止；数字人民币钱包为匿名钱包（四类钱包），钱包内的余额不计付 利息。 从运营机构看，数字人民币的指定运营机构目前共有10家，包括6家国有大型商业银行、2家股份制商业银行和2家互联网银行，分别为工商银行、农业银 行、建设银行、中国银行、交通银行、邮储银行、招商银行、兴业银行、网商银行（支付宝）和微众银行（微信支付）。据悉央行正在推进运营机构扩容 工作。 近日央行出台《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》，明确新一代数字人民币计量框架、管理体系、运行机制 和生态体系将于2026年1月1日正式启动实施。并同时明确，银行机构为客户实名数字人民币钱包余额计付 ...