摘要
随着电子货币国际化程度日益加深,利用现代信息技术对电子化货币的加持作用日益显现。近日央行发布了《中国数字人民币的研发进展白皮书》,首次披露了数字人民币研发情况,作为现金类支付凭证(M0),将与实物人民币长期并存。本文对加密数字货币和央行数字货币的概念和发展进行了梳理,对发展现状和趋势进行研究,了解其对社会发展和金融稳定方面的影响,最后分析了数字人民币对维护我国支付金融体系安全的重要意义,并对今后的发展完善提出相应的政策建议,以供参考。
With the increasing internationalization of electronic currency,the role of using modern information technology to support electronic currency is increasingly apparent.Recently,the People's Bank of China released the White Paper on the Research and Development Progress of China's Digital RMB,which for the first time disclosed the research and development of digital RMB.As a cash payment voucher(M0),it will coexist with physical RMB for a long time.This paper combs the concept and development of crypto digital currency and central bank digital currency,studies the development status and trend,understands its impact on social development and financial stability,and finally analyzes the important signifi cance of digital RMB in maintaining the security of China's payment financial system,and puts forward corresponding policy recommendations for future development and improvement for reference.
出处
《吉林金融研究》
2022年第9期29-32,共4页
Journal of Jilin Financial Research
关键词
电子化货币
数字人民币
金融社会影响
整合协同
electronic currency
digital yuan
financial social impact
integration and collaboration
