法定数字货币的支付场景前瞻及对策建议

Prospect of Payment Scenario of Digital Fiat Currency and Countermeasures and Suggestions

法定数字货币将优化货币的支付职能,重塑国内外支付行业。我国的法定数字货币已进入试运行阶段,可应用于支付监管和宏观调控,促进国内外企业、消费者和政府的支付发展。场景应用使央行和商业银行职能发生多元变化,央行面临监管能力、国内外市场竞争等挑战,商业银行面临业务规范、风险管理、网络安全、隐私保护等挑战。因此,央行和商业银行应积极适应职能变化,以数字人民币试点为契机,拓展货币支付场景,强化支付基础设施建设和管理,完善货币业务监管体系,加强货币交易数据保护和风险防控,扩大货币应用的国际协调与监管合作,充分发挥法定数字货币对数字经济的调控作用。

Digital fiat currency will optimize the payment function of currency, and reshape the payment industry at home and abroad.China’s digital fiatcurrency has entered the trial operation stage, it can be widely used in payment supervision and macro-control to promote the development of domestic and foreign enterprises, consumers and government payments. Scenario applications have diversified the functions of the central bank and commercial banks. The central bank is faced with challenges such as regulatory capabilities and domestic and foreign market competition. Commercial banks are faced with challenges such as business regulation, risk management, network security, and privacy protection. Central bank and commercial banks should actively adapt to functional changes, take the digital RMB pilot as an opportunity, expand currency payment scenarios, strengthen payment infrastructure construction and management, improve currency business supervision system, and strengthen currency transaction data protection and risk prevention and control. Expand the international coordination and supervision cooperation of currency applications, and give full play to the administration role of digital fiat currency in the digital economy.