法定数字货币的发展研究——以央行DCEP为例

On the Development of Fiat Digital Currency——Taking DCEP of Central Bank as an Example

伴随着互联网金融发展的推进,大量依赖于金融技术而产生的数字货币也顺时而生。中国人民银行认识到数字货币的巨大优势,发布法定数字货币DCEP,并不断投入研发探索其作为国家发行法币的可行性。央行数字货币DCEP不仅是货币形态的改变,对金融市场也会产生一定的影响,导致货币需求、货币供给和货币乘数的变化。法定货币属于前所未有的金融创新,在技术、法律和金融制度等方面还面临着风险和考验。因此,在国内进一步推行法定数字货币DCEP,这些风险问题急需完善和解决。

With the development of Internet finance,a large number of digital currencies that rely on financial technology emerge as the times require.Seeing the great advantages of digital currency,the central bank of China issued the legal digital currency DCEP,and continuously invested in research and development to explore its feasibility as fi at currency issued by the state.DCEP,the digital currency of the central bank,not only changes the form of money,but also has a certain impact on the fi nancial market,leading to changes in money demand,money supply and money multiplier.Fiat currency,an unprecedented fi nancial innovation,is still facing risks and severe tests in technology,law and fi nancial system.Therefore,these risks need to be improved and solved along with the further implementation of legal digital currency DCEP in China.