论法定数字货币对金融法的挑战及应对

On the Challenges and Countermeasures of Legal Digital Currency to Financial Law

随着数字经济逐渐成为驱动世界经济增长的新引擎,整个金融环境都发生了变动,经济活动也随之变化。世界各个国家和地区都在探索法定货币的数字化形态,我国央行也在积极实现法定货币数字化转型。本文旨在讨论中央人民银行在正式发行法定数字货币时可能对现行金融法律制度产生的新挑战,并探寻相应的解决方法。对于法定数字货币的法律地位不稳定、各主体权义关系不明确、个人信息易泄露等挑战,应当采取稳固法定数字货币的法律地位、界定各方权利义务关系、加强个人信息保护机制等方式,以规避货币数字风险、完成数字化转型,构建数字经济与货币机制协同发展制度,使法定数字货币的优势得以最大程度发挥。

As the digital economy gradually becomes the new engine of world economic growth, the entire financial environment has changed, and economic activity has changed with it. All countries and regions in the world are exploring the digital form of fiat money, and China’s central bank is also actively realizing the digital transformation of fiat money. The purpose of this article is to discuss the new challenges that the Central People’s Bank of China may pose to the current financial legal system when it officially issues fiat digital currency, and to explore corresponding solutions. For challenges such as the unstable legal status of legal digital currency, the unclear relationship between the rights and interests of various subjects, and the easy leakage of personal information, methods such as consolidating the legal status of legal digital currency, defining the relationship between the rights and obligations of all parties, and strengthening the personal information protection mechanism should be adopted to avoid the digital risks of currency, complete digital transformation, and build a system for the coordinated development of the digital economy and monetary mechanism, so that the advantages of legal digital currency can be maximized.