民众对于央行发行的数字货币的持有意愿调查

Survey of Public Willingness to Hold Digital Currencies Issued by the Central Bank

中国人民银行近年来一直着力推广发行数字货币。本文对此就居民对其的持有意愿进行了调研和分析。分析得出目前居民对于央行数字货币的政策了解度还相当低,对于数字货币的持有意愿总体来说还较低,并且并不随着年龄、收入水平和受教育水平和对政策的了解程度等方面的差距而出现变化。从本文的调研结果来看,央行数字货币要获得消费者的认可,从而得到全面的铺开和推广,还具有很长的一段路要走。对此,央行需要加大宣传力度,着重对消费者进行数字货币相关政策和知识的普及。

The People's Bank of China has been promoting the issuance of digital currencies in recent years.This article investigates and analyzes residents'willingness to hold them.The analysis shows that the current residents'understanding of the central bank's digital currency policy is still quite low,and the willingness to hold digital currency is generally low,and it does not change with the gaps in age,income level,education level and knowledge of policies.Judging from the survey results in this article,the central bank's digital currency has a long way to go before it can be recognized by consumers and to be fully rolled out and promoted.In this regard,the central bank needs to increase publicity efforts,focusing on popularizing digital currency-related policies and knowledge for consumers.