我国央行数字货币的发行对策研究

我国央行数字货币的发行对策研究摘要货币的发展和形态会随着每次技术的创新而进行改变，货币也由最初的贝壳、金、银等形态转变为如今的数字化形态，云储存、人工智能、大数据和区块链数字技术的发展正在逐步推进货币朝向数字化形态发展。我国央行发行的数字货币具有安全性高、支付清算效率高、币值稳定、发行成本低的优势，与此同时，各国纷纷将目光转向至法定数字货币。因此我国央行发行数字货币对我国的社会经济发展具有跨时代意义，不仅能够推近我国数字化时代的到来，更能够帮助我国在世界经济方面提升话语权。本文首先归纳并总结了央行数字货币的定义及特点，其次提出我国央行数字货币在发行过程中面临的问题和挑战，最后本文针对发现的问题提出了优化解决方案，而且本文详细分析了我国发行数字货币的重要意义和深远影响。关键词：数字货币：央行货币发行Research on the development countermeasures of digital currency ofthe Central Bank of ChinaAbstractThe development and form of money will change with each technological innovation,and money will also change from the original shell,gold,silver and other forms to today'sdigital form.The development of cloud storage,artificial intelligence,big data andblockchain digital technology is gradually promoting the development of money towardsdigital form.The digital currency issued by the Central Bank of China has the advantagesof high security,high efficiency of payment and clearing,stable currency value and lowissuing cost.At the same time,many countries turn their attention to legal digital currency.Therefore,the issue of digital currency by the Central Bank of China is of cross erasignificance to China's social and economic development.It can not only push forward thearrival of China's digital era,but also help China improve its discourse power in the worldeconomy.This paper first summarizes the definition and characteristics of digital currencywithout central bank,then puts forward the problems and challenges faced by the centralbank in the process of issuing digital currency.Finally,this paper puts forwardoptimization solutions for the problems found,and analyzes in detail the significance andfar-reaching impact of issuing digital currency in China.Key Words:Digital currency;Eentral bank;Currency issuanceII-目录摘要........Abstract.….......I引言…一、绪论.2(一)研究背景…。.2(二)文献综述.2(三)研究方法.3二、数字货币的概念与特性.4(一)数字货币的概念41.数字货币以及央行数字货币.…。42.数字货币的种类(二)央行数字货币的主要特点.5三、我国央行数字货币发行的路径(一)我国央行数字货币发行流通模式.6(二)我国央行数字货币系统架构6四、我国央行数字货币发行面临的主要问题…8(一)政策问题……81.央行数字货币缺乏发行法律依据.82.央行数字货币所有权认定标准问题.8(二)制度问题…9(三)技术问题…101.反洗钱及假币的技术问题，102.数据隐私保护技术问题.11五、我国央行数字货币发行的建议13(一)政策方面建议…131.明确央行数字货币发行依据..132.完善当前反假币法律法规.….13(二)制度方面建议141.成立央行数字货币管理机构.142.制定数字货币销毁程序.14(三)技术方面建议….15-III1.建立数据综合分析平台…152.发展数据隐私保护技术.15结16论.……参考文献.17IV-