央行数字货币跨境支付的法律挑战与监管协调路径研究

A Study on Legal Challenges and Regulatory Coordination Pathways for Cross-Border Payments with Central Bank Digital Currencies

随着央行数字货币的崛起,跨境支付领域迎来了全新的发展机遇,然而,央行数字货币跨境支付受限于技术、法律、政策等多方面因素,成为制约其广泛应用的重要瓶颈。针对央行数字货币跨境支付监管协调的问题,金融稳定理事会提出关于加强跨境支付三个优先主题的针对性的策略建议。统一支付标准和协议、加强技术创新和优化监管框架是提升央行数字货币跨境支付的关键。同时,加强国际合作与交流、创新多央行数字货币的治理机制也具有重要意义。

The rise of Central Bank Digital Currencies(CBDCs)presents new opportunities for the cross-border payments landscape.However,the widespread adoption of CBDCs in cross-border transactions is constrained by various technological,legal,and policy factors,posing a significant barrier to their broader application.This paper focuses on the regulatory coordination issues surrounding CBDCs in cross-border payments.By analyzing the three priority themes outlined by the Financial Stability Board(FSB)for enhancing cross-border payments,we propose targeted strategic recommendations.The study identifies that unifying payment standards and protocols,along with strengthening technological innovation and improvement strategies,are key to elevating CBDCs'role in cross-border payments.Additionally,fostering international cooperation and communication,as well as innovating governance mechanisms for multiple CBDCs,are also of great significance.