数字人民币2.0:“计息数字货币”的机制与技术创新

华尔街见闻
Jan 01

中国央行正式启动数字人民币从"现金型1.0"向"存款货币型 2.0"的历史性转型。这场变革通过引入计息机制、存款保险和准备金管理三位一体的制度创新,将数字人民币从单纯的支付工具升级为具备价值储藏功能的金融资产,重塑了数字金融的底层架构。 根据新华社12月29日报道,中国人民银行发布《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》,明确自2026年1月1日起正式启动新一代数字...

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