摘要
从全球看,央行法定数字货币(以下简称CBDC)的研发方兴未艾。其中,巴哈马、中国、东加勒比、乌拉圭、瑞典、加拿大等国(地)六家央行研发CBDC项目的起步时间较早、研发进展较快。本文以零售型CBDC为研究对象,从政策目标、运营模式、设计特征、技术保障、法律基础、项目实施等方面总结了这六家央行研发CBDC的初步经验。研究表明,全球CBDC研发整体上表现出政策目标多重,运营模式多样,设计特征多类,技术保障多种,法律基础多同,项目实施多步。本文总结的初步和阶段性经验有利于为我国今后研发CBDC提供参考和基础。
This paper takes the retail central bank legal digital currency(hereinafter referred to as CBDC) as the research object. Globally, the research and development of CBDC is in the ascendant. Among them, six central banks including Bahamas, China, Eastern Caribbean, Uruguay, Sweden, Canada and other countries(regions) started early and developed CDBC projects relatively quickly. This paper summarizes the preliminary experience of the six central banks in developing CBDC from the aspects of policy objectives, operation models, design features, technical support, legal basis, and project implementation. The research shows that the global CBDC research and development as a whole shows policy goals are different, operating models are diverse, design features are diverse, technical routes are undetermined, legal foundations are similar, and project implementation is multi-step. The preliminary and phased experiences summarized in this paper are helpful to provide reference and foundation for future research and development.
作者
曾繁荣
Zeng Fanrong(Ganzhou Central Sub-branch,the People’s Bank of China)
出处
《金融发展评论》
2022年第7期45-60,共16页
Financial Development Review
关键词
央行数字货币
运营模式
设计特征
初步经验
Central Bank Digital Currency
Operation Mode
Design Features
Initial Experience