央行数字货币的网络安全风险及制度应对

Cybersecurity Risks of Central Bank Digital Currency and Its Institutional Response

央行数字货币是传统支付方式在信息时代逐渐向数字化转型的典型代表,形式上的数字化、破产保护功能及资金可追查性等特点使得其显著区别于传统法定货币。然而,央行数字货币的发展进程面临网络安全领域的风险挑战,在发行与流通过程中面临网络安全风险,如凭证被盗和丢失、拥有特许角色的用户以及双重支付等。我国应当推动建设央行数字货币法律规则,在对发行和使用央行数字货币过程中,有针对性地修改和完善涉及的法律法规,强化有关机关的监管能力,不断完善应对央行数字货币网络安全风险的制度体系,提升网络安全管理效能。

Central bank digital currency is a typical representative of traditional payment methods gradually transforming to digitalization in the information age.The characteristics of digitalization in form,bankruptcy protection function and fund traceability make it significantly different from traditional legal currency.However,the development process of central bank digital currency faces risks and challenges in the field of cybersecurity.The cybersecurity risks in the process of issuance and circulation include theft and loss of credentials,users with privileged roles,and double payments.China should promote the construction of legal rules for the central bank’s digital currency,make targeted revisions and improvements to the laws and regulations involved in the issuance and use of the central bank’s digital currency,strengthen the supervision capabilities of relevant agencies,and continuously enhance the institutional effectiveness coping with the central bank’s digital currency cybersecurity risk system.