人民币数字货币法定化的实践、影响及对策建议

Legalization of RMB Digital Currency:Practice,Influence and Policy

在社会信息网络技术日新月异的当下,不同形式的数字货币相继出现成为时代发展的必然规律,数字货币的缤纷变幻也已成为世界各国关注的焦点。本文在梳理数字货币发展动态以及人民币法定数字货币当前实践的基础上,分析了人民币数字货币法定化在传统支付、货币政策和货币市场、金融稳定、银行体系及金融科技领域可能产生的影响,提出了有利于人民币法定数字货币发行和推广的一系列政策建议。本文认为,由于私人数字货币的不断演变和自身局限性,结合国际上主流国家已经对数字货币提出法定化发展的认知共识,我国央行需要推出具有主权信用的法定数字货币。人民币法定数字货币的发行对货币金融体系的潜在影响也不可忽视,针对人民币数字货币法定化过程中的风险和难题,需要从多个领域不断创新数字货币的监测方法和监管手段。

This paper discusses the development of digital money and analyzes the possible influence of legalization of RMB digital currency in the fields of payment,monetary policy,monetary market and financial stability.It holds that due to the continuous evolution of private digital money and its limitation,People s Bank of China needs to launch a legal digital currency with sovereign credit.In view of the risks and difficulties in the process of legalization of RMB digital currency,it is necessary to innovate the regulation and supervision methods in various financial fields.