摘要
蓬勃发展的数字经济推动了数字技术进步与创新的步伐,以人工智能、大数据、云计算为代表的底层数字技术正加速突破与应用。我国经济的数字化特征已从制造业向金融服务领域全面扩展,央行正加紧法定数字货币的研发测试,法定数字货币呼之欲出。我国法定数字货币能够提高传统货币政策的有效性,弥补传统法定货币的支付功能缺陷,使负利率成为一种新的货币政策工具,并推动人民币国际化进程。法定数字货币将采用“中央银行-商业银行”的双层运营体系、中心化的管理模式,且不预设技术路线。面对法定数字货币运行过程中可能存在的商业银行挤兑风险、技术风险和金融监管风险,我国应调控活期存款向数字货币转移的速度和规模,努力实现技术创新与技术风险的最优平衡,并完善法定数字货币相关法律法规和监管体系。数字经济视阈下法定数字货币体系建设应加大数字技术研发力度,构建法定数字货币应用场景,促进法定数字货币普惠共享。
The booming digital economy has promoted the progress and innovation of digital technology, and the key digital technology represented by artificial intelligence, big data and cloud computing is accelerating its breakthrough and application. The digital characteristics of China’s economy have expanded from manufacturing to financial services. The central bank is stepping up the research and development test of legal digital currency, which is about to emerge. China’s legal digital currency can improve the effectiveness of traditional monetary policy, make up for the payment function defects of traditional legal currency, make negative interest rate become a new monetary policy tool, and promote the process of RMB internationalization. China’s legal digital currency will adopt the two-tier operation system of "Central Bank-Commercial Bank" and a centralized management mode, without pre-set technical routes. In the face of the possible risks of commercial banks’ running, technology and financial supervision in the operation of legal digital currency, the Central Bank of China should regulate the speed and scale of transfer from demand deposit to digital currency, make a good balance between technology innovation and technology risk, and improve the relevant laws, regulations and supervision system of the legal digital currency. From the perspective of the digital economy, the construction of the legal digital currency system should strengthen the research and development of the digital technology, construct the application scenario of legal digital currency, and promote legal digital currency sharing.
作者
戚聿东
褚席
QI Yu-dong;CHU Xi
出处
《改革》
CSSCI
北大核心
2019年第11期52-62,共11页
Reform
基金
国家社会科学基金重大项目“技术标准与知识产权协同推进数字产业创新的机理与路径研究”
关键词
数字经济
法定数字货币
经济效应
风险防范
digital economy
legal digital currency
economic effect
risk prevention
