关于央行法定数字货币的若干思考

Some Thoughts on Central Bank-issued Digital Currency

随着信息科技的快速发展,移动支付、可信云计算、区块链等新技术的推出,中央银行发行的传统纸质货币面临着许多新的挑战,数字货币可能成为未来货币发行、支付模式的发展方向。本文在理论层面,梳理了数字货币概念、理念发展,总结了理想的数字货币需要具备的特征;在技术层面,在对区块链技术进行辩证分析的基础上,提出数字货币系统应兼收并蓄包括区块链在内的各种成熟技术;在实践层面,在总结若干需要重点考虑问题的基础上,提出了构建中国法定数字货币的设计要点。

Digital currencies may lead the future development of currency issuance and payment method, as banknotes are facing unprecedented challenges by new technologies like mobile payment, trustworthy cloud computing and block - chain, etc. Theoretically, this article introduces the definition and evolutional paradigms of digital currency,then characteristics of ideal digital currency are concluded. Technologically, after analyzed the potential advantages and unsolved problems of block -chain technology, we think CBDC system should adopt all kinds of mature technologies including block - chain. On the level of implementation, this article summarizes key points of issuing CBDC in China.