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《长安大学学报（社科版）》[ISSN:1671-6248/CN:61-1391/C]

卷:

第25卷

期数:

2023年04期

页码:

31-43

栏目:

国际经济与贸易

出版日期:

2023-10-20

文章信息/Info

Title:

Problems and countermeasures in central bank digital currency research and development process

文章编号:

1671-6248(2023)04-0031-13

作者:

胡施

东北财经大学 金融学院,辽宁 大连 116025

Author(s):

HU Shi

School of Finance, Dongbei University of Finance and Economics, Dalian 116025, Liaoning, China

关键词:

央行数字货币;  发达经济体;  新兴经济体;  数字人民币;  金融数字化

Keywords:

CBDC;  developed economy;  emerging economy;  China’s digital yuan;  financial figures

分类号:

F821

DOI:

-

文献标志码:

A

摘要:

为了探析各国央行数字货币研发过程中存在的问题,收集整理了美国、日本等发达经济体以及柬埔寨、东加勒比国家组织等新兴经济体的央行数字货币研发资料数据进行分析。研究认为,新兴经济体积极推进央行数字货币发行,旨在为更多的国民提供金融服务,实现普惠金融; 而发达经济体对央行数字货币发行的态度和行动均表现较为保守和迟缓,更关注发行前国内法律法规的程序制定、关键技术的实证研究以及发行后对金融体系及经济生活可能产生的影响。研究认为,央行数字货币是否计息及计息标准、央行数字货币与中央银行资产负债表的联动关系、使用不同形式央行数字货币结算的经济作用机制、个人隐私保护及合规使用信息、反洗钱及打击恐怖主义融资是未来央行数字货币发行过程中需要解决的问题。研究表明,中国人民银行应通过实证研究提前谋划数字人民币计息、应基于资产负债表研判数字人民币面临的金融风险、充分评估分析使用数字人民币结算对经济造成的冲击、坚持数字人民币隐私与安全齐抓并管、积极参与全球央行数字货币国际标准及通用规则制定。

Abstract:

Abstract: In order to analyze the problems existing in the research and development processof digital currencies, this paper summarizes relevant materials and data about the CBDC research and development process of both developed economies, such as United States and Japan, and emerging economies, such as Cambodia and the Organization of Eastern Caribbean States. After comparative analysis, it is found that, emerging economies actively promote the issuance of CBDC with the aim of providing more citizens with financial services and realizing financial inclusion, but developed economies behave comparatively more conservative and slow in the attitudes and activities towards CBDC issuance. Developed economies pay more attention to the formulation of domestic laws and regulations before issuance, empirical research on key technologies, and possible impacts on the financial system and the whole economy after issuance. The study concludes that the issues, such as whether CBDC should be interest-bearing and what kind of interest-bearing standard is used, the linkage between the central bank digital currency and the central bank’s balance sheet, the economic mechanism of using different forms of the CBDC for settlement, the protection of personal privacy and the compliant use of information, anti-money laundering and the fight against terrorist financing, need to be resolved in the process of issuing the CBDC in the future. The study suggests that the People’s Bank of China(PBOC)should plan ahead for digital RMB interest accrual through empirical research, examine the financial risks faced by digital RMB based on its balance sheet, adequately assess and analyze the impact of using digital RMB settlement on the economy, insist on the simultaneous management of privacy and security of the digital RMB, and actively participate in the development of international standards and common rules for CBDC around the globe.

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相似文献/References:

备注/Memo

备注/Memo:

收稿日期:2023-05-08
作者简介:胡施(1997-),女,辽宁大连人,经济学博士研究生。

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更新日期/Last Update: 2023-10-20