2025年12月31日，工商银行、农业银行、建设银行、中国银行等六大行相继发布公告，自2026年1月1日 起，将开立在该行的数字人民币实名钱包余额按照银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。 Your browser is not supported 中国人民银行官网中写道，数字人民币是人民银行发行的数字形式的法定货币，由指定运营机构参与运 营，以广义账户体系为基础，与实物人民币等价，具有价值特征和法偿性。 至此，经过十余年探索、试点，数字人民币进入2.0版。 比较起来，数字人民币具有低成本、到账快等特点。对于小额支付，数字人民币不绑定账户也可持有和 使用，基于数字人民币钱包的资金转移可以实现支付即结算。 今年1月1日起，数字人民币可以计息了。 数字人民币计息意味着什么，离普及应用还有多远？在跨境支付中，数字人民币又有哪些优势？ 数字人民币：数字形式的法定货币 从"现金"变为"存款货币" 这对数字人民币意味着什么 数字人民币可以计息，来自央行最新发布的行动方案规定。 近期，中国人民银行出台《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 ...

从2026年1月1日起，数字人民币钱包余额开始按照活期存款计付利息。这也意味着，经过十多年研发试点，数字人民币从"数字现金时代"迈入"数 字存款货币"时代。什么是数字人民币？对普通消费者而言，此次数字人民币升级带来哪些变化？新华网思客邀请南开大学金融发展研究院院长田 利辉解读。 2025年12月26日，上海黄浦区一超市外张贴了店内支持的付款方式列表，包括微信、支付宝、数字人民币等，共有十余种。来源：央视新闻微信 公众号 什么是数字人民币？与虚拟货币有什么区别？ 数字人民币是中国人民银行发行的数字形式的法定货币，由指定运营机构参与运营，与实物人民币等价，具有价值特征和法偿性。如果说1.0版数 字人民币是"口袋里的数字纸币"，仅承担数字现金的职能，那2.0版数字人民币则是"数字活期存款"，标志着数字人民币升级实现了跨越式发展， 从"数字现金时代"迈入"数字存款货币"时代。 数字人民币与虚拟货币存在本质区别，前者是有国家信用背书的法定货币；后者是去中心化的"虚拟资产"，价格波动剧烈，缺乏稳定价值基础。 2024年9月13日，服贸会首钢园工商银行展台工作人员展示用数字人民币硬钱包过地铁闸机。新华社记者 李鑫 摄 对于 ...

Core Insights - The People's Bank of China announced the winners of the "2024 Financial Technology Development Award," with China Bank winning seven awards across various categories, highlighting its leadership in financial technology innovation [1] Group 1: Financial Technology Innovations - China Bank received first, second, and third prizes for its financial technology innovations, showcasing its commitment to advancing technology in the financial sector [1] - The awarded projects cover areas such as self-controllable technology, industry integration, digital transformation, and risk prevention [1] Group 2: IT Architecture Transformation - The IT architecture transformation project employs a 5D model focusing on analysis, design, implementation, deployment, and continuous evolution, aiming to shift from a centralized to a distributed IT architecture [2] - This transformation is designed to support both domestic and international operations, enhancing the bank's digital infrastructure [2] Group 3: Risk Management Platform - A new intelligent risk management platform has been established, integrating advanced technologies like machine learning and knowledge graphs to enhance risk forecasting and management capabilities [3] - The platform aims to improve overseas risk management and provide technological support for the bank's risk management framework [3] Group 4: Financial Data Center Standards - The project sets the first construction standards for a financial data center in Tibet, addressing unique environmental challenges and ensuring operational safety and energy efficiency [4] - It provides guidelines for the construction and operation of data centers in high-altitude areas [4] Group 5: Digital Currency Innovations - The project developed a digital RMB wallet with features such as dynamic QR codes and a visual interface, targeting specific user groups like foreign visitors and the elderly [5] - This innovation aims to enhance the payment experience and expand the acceptance of digital currency [5] Group 6: Intelligent Operations - The intelligent operations project focuses on creating an agile and efficient operational model, utilizing smart technologies to streamline processes and reduce operational costs [6] - It aims to enhance service efficiency and strengthen risk control through automation [6] Group 7: Bill Service Capabilities - The project aims to comply with new regulations and enhance the bill service ecosystem, improving payment and financing efficiency across the industry [7] - It seeks to establish a leading brand in bill services, leveraging China Bank's global advantages [7] Group 8: Housing Fund Management System - The project introduces a new model for managing maintenance funds in collaboration with the Ministry of Housing, enhancing fund management efficiency [8] - It aims to digitize and automate fund management processes, contributing to the overall digital transformation of the housing sector [8]

Group 1 - Shenzhen has transformed its financial industry from a nascent state to a robust engine supporting economic growth over 45 years, marked by significant reforms and innovations [2][4][6] - The city has pioneered several "firsts" in China's financial history, including the first foreign bank branch, the first joint-stock commercial bank, and the first securities company, contributing to the financial reform experience in China [6][7] - As of July 2025, the Shenzhen Stock Exchange has 2,873 listed companies with a total market capitalization of approximately 36.72 trillion yuan, showcasing its role as a critical player in China's capital market [6][9] Group 2 - Shenzhen's financial industry has seen exponential growth, with the total market value reaching 3.26 trillion yuan by the end of 2024, and the financial sector's value-added increasing from 30.57 billion yuan in 2005 to 471.05 billion yuan in 2024, accounting for 15.2% of GDP [7][8] - The balance of loans from financial institutions in Shenzhen surged from 3.39 trillion yuan in September 2016 to 9.85 trillion yuan by June 2025, with significant growth in technology, inclusive small and micro loans, and green loans [8][9] Group 3 - Shenzhen has emerged as a global financial center, ranking third in the world for financial technology, according to the Global Financial Centers Index, with significant advancements in fintech integration into the real economy [10][11] - The city has implemented supportive policies for fintech development, creating a comprehensive support system for technology research, application scenarios, and talent cultivation [11][12] Group 4 - As a core engine of the Guangdong-Hong Kong-Macao Greater Bay Area, Shenzhen is enhancing cross-border financial integration, facilitating over 1,700 companies in cross-border trade and investment with a business scale exceeding 170 billion USD [14][15] - The "Cross-Border Wealth Management Connect" initiative has positioned Shenzhen as a leading city for cross-border financial services, with significant growth in cross-border RMB transactions [15][16] Group 5 - Shenzhen's financial ecosystem is evolving with a focus on green finance, exploring the establishment of a carbon trading market, and innovating in green credit and bonds [16] - The city is also testing higher levels of cross-border financial regulatory sandboxes to facilitate foreign investment, while integrating new technologies like AI and the metaverse into financial services [16]