国有六大行集团宣布：数字人民币实名钱包余额按活期利率计息

环球网01-03

【环球网财经综合报道】2025年12月31日，中国银行、工商银行、农业银行、建设银行、交通银行、邮储银行六家国有大行发布公告称，自2026年1月1日起，将为开立在该行的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。据各银行官网披露信息，当前活期存款挂牌利率为0.05%。此外，目前数字人民币分为四类钱包。其中，一类、二类、三类钱包为实名钱包，四类钱包为匿名钱包。...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260103094541a4963308&s=b><strong>环球网</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>【环球网财经综合报道】2025年12月31日，中国银行、工商银行、农业银行、建设银行、交通银行、邮储银行六家国有大行发布公告称，自2026年1月1日起，将为开立在该行的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。据各银行官网披露信息，当前活期存款挂牌利率为0.05%。此外，目前数字人民币分为四类钱包。其中，一类、二类、三类钱包为实名钱包，四类钱包为匿名钱包。...</p>\n\n<a 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rate","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"00939":0.9,"03143":0.6,"01398":0.9,"01288":0.9},"content_text":"【环球网财经综合报道】2025年12月31日，中国银行、工商银行、农业银行、建设银行、交通银行、邮储银行六家国有大行发布公告称，自2026年1月1日起，将为开立在该行的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。据各银行官网披露信息，当前活期存款挂牌利率为0.05%。此外，目前数字人民币分为四类钱包。其中，一类、二类、三类钱包为实名钱包，四类钱包为匿名钱包。也就是说，四类钱包并不属于银行计息的“实名钱包”范畴。如工商银行APP显示，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，按结息日该行挂牌活期利率计息，每季末月的20日结息，21日入账。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。工商银行APP值得一提的是，近日，中国人民银行出台了《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》（下称《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。同时，《行动方案》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。（南木）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"policyRegulatory","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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