数字人民币在数据要素市场化发展中的作用、问题与对策

The Role,Problems,and Countermeasures of E-CNY in the Market-oriented Development of Data Elements

数字人民币的发展和实施是中国金融科技和数字经济发展的重要组成部分。尽管面临技术挑战、法律法规不完善及公众接受度等问题,数字人民币在数据要素市场化进程中仍展现出巨大的发展前景。从战略视角提出数字人民币在数据要素市场化发展过程中的作用及解决问题的具体路径,为政策制定者和企业决策者提供理论依据和实践指导,推动全球金融科技发展与经济转型,具有重要的理论意义与实践价值。

The development and implementation of E-CNY is an important component of China's financial technology and digital economy development.Despite facing technological challenges,incomplete laws and regulations,and public acceptance issues,E-CNY still shows great development prospects in the pro-cess of data element marketization.From a strategic perspective,proposing the role of E-CNY in the mar-ket-oriented development of data elements and specific paths to solve problems,providing theoretical basis and practical guidance for policy makers and business decision-makers,promoting global financial technol-ogy development and economic transformation,has important theoretical significance and practical value.