从2026年1月1日起, 中国的数字人民币将赚取利息, 并像银行存款一样受到保护。 Starting Jan. 1, 2026, China’s digital yuan will earn interest and be protected like bank deposits.

中国的数字人民币将于2026年1月1日成为类似存款的工具。 China's digital yuan will become a deposit-like instrument on January 1, 2026. 商业银行将必须支付钱包余额的利息,提供与传统存款相同的保障和监管待遇。 Commercial banks will have to pay interest on wallet balances, providing the same safeguards and regulatory treatment as traditional deposits. 为了改善监督和金融稳定,中国人民银行将把数字人民币纳入其储备要求和存款保险系统。 To improve oversight and financial stability, the People's Bank of China will incorporate digital yuan into its reserve requirements and deposit insurance system. 为了增加采用和促进跨界使用,一个新的管理框架包括上海的业务中心和测量系统。 Aiming to increase adoption and facilitate cross-border use, a new management framework includes an operations center and measurement system in Shanghai. 到2025年11月,经过十多年的试点方案,总共16.7万亿元人民币的34.8亿笔交易将完成。 By November 2025, 3.48 billion transactions totaling 16.7 trillion yuan will have been completed after more than ten years of pilot programs.