摘要
在技术革新、全球无现金支付扩张和数字货币出现的背景下,数字货币引起了货币政策当局的高度关注,同时也成为学者们研究的一个新的领域。学界对于数字货币的研究主要集中在概念的界定、对货币制度体系的影响与风险防范三方面。经研究发现,相对于私人数字货币,主要经济体的央行更认可自己发行的法定数字货币,各主要央行对法定数字货币的关注点各有侧重。虽然数字货币目前在安全性、支付系统的运作稳健性、监管等方面仍然存在一些问题,也可能对整个金融体系产生风险,但是各央行都表示会对数字货币继续研究下去。中国人民银行应抢占法定数字货币技术支持的先机,在技术与监管两方面继续进行深入探索,同时关注其他央行的研究重点。
In the background of technological innovation,global expansion of cashless payments and the emergence of digital currencies,digital currencies has attracted the attention of monetary policy authorities and become a new research field for scholars.The academic research on digital currencies mainly focuses on the definition of the concept,the impact on the monetary system and risk prevention.This paper finds that the central banks of major economies are more comfortable with CBDC which is issued by themselves than private digital currencies.But major central banks have their own concerns about CBDC.Although the digital currencies still have some problems in the security,the robustness of payment system operation,the supervision and so on,it may also pose risks to the financial system as a whole.But central banks have said they will continue to study digital currencies.This paper suggests that the People’s Bank of China should seize the opportunity of technical support of CBDC,continue to explore both technical and regulatory aspects and pay attention to the research focus of other central banks.
出处
《上海市经济管理干部学院学报》
2021年第3期39-46,共8页
Journal of Shanghai Economic Management College
关键词
私人数字货币
法定数字货币
中央银行
Private Digital Currencies
Central Bank Digital Currencies
Central Bank
