电子货币在跨境贸易中的适用及挑战

The Challenges of Using Digital Currency in Cross-border Transactions

伴随着电子货币的快速发展,监管欠缺的问题也越来越突出。该问题降低了电子货币的信用性,也间接阻碍了电子货币在跨境贸易中的发展。为此,中国人民银行搭建了非银行支付机构网络支付清算平台,该平台为所有电子货币共有的清算平台。平台的搭建改变了电子货币的基本交易结构,将电子货币交易置于中国人民银行的监管之下。此举在减少电子货币风险的同时增加了电子货币的信用性,减少了电子货币在跨境贸易中的应用阻力。本文拟以支付宝为电子货币代表,对电子货币在跨境交易中的适用及面临的监管挑战进行探讨。

With the rapid development of digital currency, the lack of supervision is becoming ever more prominent. This default has decreased digital currency platforms ＇ credibility and blocked them from occupying more important positions in cross-border transactions. Targeting this default, the People＇ s Bank of China developed a non-banking institute online payment clearance platform which functions as a common central clearing institution for all the digital currency. This new platform has changed the basic transaction structure and put digital currency under its supervision. This measurement lowered the resistance digital currency suffered in cross-border transactions by increasing the credibility of the digital currency while decreasing its risk. This essay discusses facilitating digital currency in cross-border transactions and its regulatory challenges by using Alipay as an example.