数字人民币对商业银行的影响及应对策略

The Impact of Digital Renminbi on Commercial Banks and Countermeasures

数字人民币的使用可以提高交易结算的效率、安全性以及防范金融风险,但也对传统的商业银行服务、金融技术和经营管理模式产生深远的影响。本文通过对数字人民币的发展历程、发行的重要意义以及对我国商业银行产生的影响进行讨论,为商业银行提出相应的应对策略。

The use of digital renminbi can improve the efficiency and security of transaction settlement and prevent financial risks,but it also has a profound impact on traditional commercial banking services,financial technology and business management models.This article discusses the development history of digital renminbi,the significance of issuance and the impact on commercial banks in my country,and proposes corresponding countermeasures for commercial banks.