银行挤提在央行数字货币时代的演进及防范

Bank Runs in the Era of Central Bank Digital Currency

本文将银行挤提作为历史现象来考察,通过对古今中外重要挤提事件的对比,发现在不同时代和不同危机下,随着货币形态、货币功能以及科技的发展,银行挤提的表象和本质呈现出巨大的区别。本文认为,在货币危机的情形下,央行数字货币具有便携性和实时发行的特性,可以降低银行挤提对银行体系的冲击和对实体经济的扰动,更好实现全体储户的利益最大化。

This article examines bank runs as an historical phenomenon. Through the comparison of major banking crises of the past, it is clear that there have been vastly different causes and manifestations of bank runs. This article maintains that in the context of a currency crisis, due to the portability and real-time issuance of a central bank digital currency, the impact of bank runs on the banking system and the real economy can be mitigated. That in turn should afford greater protection to depositors.