数字人民币对我国支付体系影响刍议

Research on the Impact of E-CNY on Payment System

种类繁多、衍变迅速的比特币、稳定币等加密数字货币,对社会经济发展的影响日益增大,为应对其可能的冲击,捍卫货币发行主权,数字人民币的研究和应用也在持续推进。本文对加密数字货币和央行数字货币的概念和发展进行了梳理,并着重分析了数字人民币的特性和其对我国支付体系的影响,并提出相应建议。

Many kinds of crypto digital currencies,such as bitcoin and stable currency,have an increasing impact on social and economic development.In order to deal with the possible impact and defend the currency issuing sovereignty,the introduction of E-CNY has been put on the agenda.This paper combs the concept and development of crypto digital currency and central bank digital currency,analyzes the characteristics of E-CNY and its impact on China's payment system,and puts forward corresponding suggestions.