探究商业银行推广数字钱包发展的问题及对策

探究商业银行推广数字钱包发展的问题及对策摘要我国在2014年开始研究央行数字货币，该项目命名为央行数字货币电子支付(DCEP,又称数字人民币)进行内部测试。随着我国数字经济的快速发展以及交易、管理方式的转变，可预料在未来将对以经营传统货币为主的商业银行产生较为深远的影响，银行的发展运营体系或受到较大的冲击。商业银行是数字人民币的重要分销机构，而数字钱包又是数字人民币的载体和深入用户的媒介，进而研究商业银行推广数字钱包会面临的问题具有重要研究意义。研究立足于我国央行数字货币产生的背景，充分参考前人的理论研究成果，对商业银行造成的影响进行综合分析。研究认为，现阶段推广数字钱包可能会加剧商业银行市场竞争、冲击传统业务、挑战基础金融服务设施、带来双向风险等。通过进一步梳理分析数字钱包的试点情况、运行模式和设计因素，建议商业银行应加大科技投入和技术储备，推进综合业务发展，加强商业银行金融基础设施建设，加快数字化转型，做好数字货币风险管理。做好数字钱包推广带来的挑战，有助于商业银行抓住数字经济的发展浪潮，提高商业银行自身的核心竞争力，转型助力发展数字银行。关键词：数字钱包；商业银行；影响；对策I-Explore the problems and countermeasures of commercial banks topromote the development of digital walletAbstractChina began to study the central bank's digital currency in 2014,which was namedthe central bank's digital currency electronic payment (DC /EP,also known as digitalRMB)for internal testing.With the rapid development of China's digital RMB and thetransformation of transaction and management methods,it can be expected that it will havea far-reaching impact on commercial banks mainly operating traditional currencies in thefuture,and the development and operation system of banks may be greatly impacted.Commercial banks are an important distribution organization of digital RMB,and digitalwallet is the carrier of digital RMB and the medium of going deep into users.Therefore,itis of great significance to study the problems faced by commercial banks in promotingdigital wallet.Based on the background of the emergence of China's central bank digitalcurrency,this paper makes a comprehensive analysis of the impact of commercial bankswith full reference to the previous theoretical research results.The study believes that thepromotion of digital wallet at this stage may aggravate the market competition ofcommercial banks,impact traditional businesses,challenge basic financial service facilities,and bring two-way risks.By further combing and analyzing the pilot situation,operationmode and design factors of digital wallet,it is suggested that commercial banks shouldincrease scientific and technological investment and technological reserves,promotecomprehensive business development,strengthen the construction of financialinfrastructure of commercial banks,accelerate digital transformation and do a good job indigital currency risk management.Doing a good job in the challenges brought by thepromotion of digital wallet will help commercial banks seize the development wave ofdigital currency,improve their own core competitiveness,and help develop digital banksthrough transformation.Key Words:Digital wallet;Commercial banks;influence;countermeasureII-目录摘要...IAbstract…一、绪论(一)研究背景(二)研究目的与意义1(三)研究思路与研究内容.2(四)研究方法与创新之处.21.研究方法…2.拟创新点.2二、理论基础和文献综述….4(一)概念界定41.数字钱包。2.央行数字货币电子支付3.央行数字货币(二)相关理论。41.区块链…2.数字货币理论(三)文献综述5三、数字钱包的探索和实践.7(一)国际试点基本情况….7(二)国内试点基本情况.7(三)实践意义.8四、数字钱包设计框架….9(一)数字钱包运营体系9(二)数字钱包分类.9(三)数字钱包特性10五、数字钱包推广的问题.11(一)加剧市场业务竞争..11(二)传统业务收入减少.11(三)冲击金融基础设施11(四)造成双向治理风险12-III六、促进商业银行数字钱包业务发展的对策.13(一)增加科技投入和技术储备.13（二)推动综合业务发展.13（三)强化金融基础设施建设，加快数字化转型.…13(四)有序推进商业银行的双向治