摘要
数字货币是当代数字经济高度发展的必然结果,是各国人民对美好生活需求的产物。数字人民币是我国法定数字货币,能够满足社会公众对零售支付便捷性、安全性、普惠性、隐私性的需求,其研发试点工作正在稳步推进中,发行流通指日可待。本文梳理了数字人民币的发展历程,尝试分析数字人民币发行应用后可能的发展前景,并阐述其推广初期将遇到的现金相关行业失业风险、电信网络犯罪风险和钱包功能相对单一、支付习惯不易改变等推广难点,探讨解决的办法,提出相应对策建议。
Digital currency is the inevitable result of the high development of contemporary digital economy and the product of people’s demand for a better life.E-CNY is China’s legal digital currency, which can meet the needs of the public for the convenience, security, inclusiveness and privacy of retail payment. Its R & D pilot work is progressing steadily, and the issuance and circulation is just around the corner. This paper combs the development history of e-CNY, and tries to analyze the possible development prospects after the issuance and application of e-CNY, It also expounds the promotion difficulties that will be encountered in the initial stage of its promotion, such as unemployment risk in cash related industries, telecom network crime risk, relatively single wallet function and difficult payment habits, discusses the solutions and puts forward corresponding countermeasures and suggestions.
作者
闫文丽
Yan Wenli(Urumqi Central Sub-branch,the People's Bank of China)
出处
《金融发展评论》
2022年第6期11-22,共12页
Financial Development Review
