“央行数字货币”的概念框架与国际进展

Central Bank Digital Currency:the Definition and Developments

在金融科技与数字货币的冲击下,“央行数字货币”成为近年来的国际热点,也是我国央行目前的研发重点之一。由于该领域的研究与讨论大多始于2017年,目前国内缺乏相关的学术研究与国际经验总结。基于近年的国际最新进展,本文总结了“央行数字货币”的概念与特性、我国央行数字货币的设计理念、其他国家的研发进展与相关计划。这将为理解与推进国内关于央行数字货币的研究提供重要依据。

With the emergence of cryptocurrencies and advances in information technologies,both policymakers and researchers have increased their attention to central bank digital currencies(CBDC).Although China has moved ahead rapidly on the development of a CBDC,there is a deficiency of relevant studies for Chinese CBDC.Based on recent research,we review the existing work on CBDC worldwide regarding its definition and features,the design plan for Chinese CBDC,and advances in other countries.This paper could provide a benchmark for CBDC studies in China.