中央银行数字货币的发展与启示:以中国e-CNY为例

IF 4.5 3区经济学 Q1 ECONOMICS

Asian Economic Policy Review Pub Date : 2022-06-14 DOI:10.1111/aepr.12396

Jianguo Xu

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引用次数: 14

摘要

中国在开发央行数字货币(CBDC)方面既积极又谨慎。自2014年以来，中国CBDC一直处于研发阶段。这一进程在2019年加快了。目前正处于扩大实际现场实验的阶段。11个地区的居民可以开通与9家主要银行相连的电子钱包。它是一种中心化的数字货币，旨在逐步取代传统的纸币和硬币(M0)。它将得到传统双层银行体系的支持。它在发行时不是基于区块链，但在分发时是技术中立的。互联网和科技公司可与商业银行共同发行中国央行数字货币。从短期来看，中国央行数据中心将有助于改善国内金融监管和政策执行。从长远来看，它可能会对人民币的国际化乃至国际货币体系的演变发挥作用。

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Developments and Implications of Central Bank Digital Currency: The Case of China e-CNY

China has been both active and cautious in developing a central bank digital currency (CBDC). China CBDC has been in research and development since 2014. The process speeded up in 2019. It is currently at the stage of expanding real field experiments. Residents in 11 areas can open e-wallets linked to nine major banks. It is centralized digital cash designed to gradually replace traditional paper cash and coins (M0). It will be supported by the traditional double-layer banking system. It is not blockchain based at issuance but is technology neutral in distribution. Internet and technology companies may join commercial banks in distributing the China CBDC. In the short run, the China CBDC will help improve domestic financial monitoring and policy implementation. In the long run, it may play a role in the RMB's internationalization or even the international monetary system's evolution.

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来源期刊

Asian Economic Policy Review ECONOMICS-

CiteScore

12.90

自引率

2.60%

发文量

期刊介绍： The goal of the Asian Economic Policy Review is to become an intellectual voice on the current issues of international economics and economic policy, based on comprehensive and in-depth analyses, with a primary focus on Asia. Emphasis is placed on identifying key issues at the time - spanning international trade, international finance, the environment, energy, the integration of regional economies and other issues - in order to furnish ideas and proposals to contribute positively to the policy debate in the region.