摘要
铁路客票+业务具有需分账结算、多元化运营等特点,数字人民币是中国人民银行发行的法定数字货币,具有可编程、支付即结算等区别于现有货币体系的特性,相较于传统支付方式,数字人民币有明显的低成本、高效率等优势。基于其特性,数字人民币可为铁路客票+业务支付结算提供合规、高效的有力支撑。首先阐述了数字人民币运营机制、特性及“铁路客票+业务”的特点,在此基础上研究设计了铁路客票+业务数字人民币独立数字钱包体系、多级数字钱包体系,分析了基于数字人民币智能合约的铁路客票+支付结算业务流程,以及不同资金收付模式下的资金流程,提出了与传统支付方式统一结算的可行性方案,可为未来数字人民币在铁路客票+业务的运用提供参考。
Railway ticket+business has characteristics of split-account settlement and diverse operations.The e-CNY,as the digital currency electronic payment issued by the People’s Bank of China,has unique attributes such as programmability and RTGS.Compared with CNY,e-CNY has obvious advantages such as low cost and high efficiency.The unique attributes of e-CNY differentiating from the existing monetary system can provide a compliant and efficient support for the payment and settlement system of railway ticket+business.This paper firstly elaborated the operating mechanism, characteristics of e-CNY and railway ticket+ business. Based on this, the independent e-CNY wallet system and multi-level digital wallet system of railway ticket+ business were researched and designed. The research analyzed business process of railway ticket+ payment and settlement based on e-CNY smart contract as well as the capital process under different capital collection mode. In the end, this paper suggests a feasible plan of unified settlement with traditional payment methods, which can provide a useful reference for the future application of e-CNY on railway ticket+ business.
作者
苗守庭
景晓志
冉泽宇
张志强
于茜
李红艳
MIAO Shouting;JING Xiaozhi;RAN Zeyu;ZHANG Zhiqiang;YU Qian;LI Hongyan(Finance Department,China State Railway Group Co.,Ltd.,Beijing 100844,China;Institute of Computing Technology,China Academy of Railway Sciences Corporation Limited,Beijing 100081,China;Industrial and Commercial Bank of China Limited,Beijing 100120,China;Finance Department,China Railway Harbin Group Co.,Ltd.,Haerbin 150006,Heilongjiang,China;Interbank Business Department,China Railway Finance Corporation Limited,Beijing 100038,China)
出处
《铁道运输与经济》
北大核心
2024年第3期125-133,共9页
Railway Transport and Economy
基金
中国铁道科学研究院集团有限公司科研项目(2023YJ260)。
关键词
铁路客票+
电子支付
数字人民币
智能合约
分账结算
伞形钱包
Raiway Ticket+
Electronic Payment
e-CNY
Smart Contract
Split-Account Settlement
Umbrella Shaped Wallet