我国央行数字货币现状、问题及对策

我国央行数字货币现状、问题及对策摘要随着互联网技术和数字经济的迅速发展，人们对于零售支付的便捷性、安全性、普惠性、隐私性等要求越来越高。各国都在积极地研究数字法定货币的形式，而法定数字货币也正在由理论走向实际。为了更好的理解央行数字货币的研究，文章从其概念、发展历程、特点等方面进行了阐述。总结我国央行数字货币在试点地区、应用场景、应用技术模式、参与机构及国际交流合作的现状，发现了我国央行数字货币相关法律法规不完善、央行货币货币流通环境较差、技术配套设施不完善、金融风险加剧等方面的问题，并提出了完善相关法律法规、优化央行数字货币流通环境、加强央行数字货币技术研发力度、防控金融风险等解决措施，以助力共同推动建立面向数字经济时代、通用创新开放的货币服务体系，为中国人民银行数字人民币研发工作贡献自己的一份力量。关键词：央行数字货币；法偿性；风险监测Current Situation,Problems and Countermeasures of China'sCentral Bank Digital CurrencyAbstractWith the rapid development of Internet technology and digital economy,people havehigher and higher requirements for the convenience,security,inclusiveness and privacy ofretail payment.All countries are actively studying the form of digital legal currency,andlegal digital currency is also moving from theory to practice.In order to better understandthe research on the central bank's digital currency,the article expounds its concept,development history and characteristics.Summarizing the current situation of my country'scentral bank's digital currency in pilot areas,application scenarios,application technologymodels,participating institutions and international exchanges and cooperation,it is foundthat the relevant laws and regulations of my country's central bank's digital currency arenot perfect,the central bank's currency and currency circulation environment is poor,andtechnical supporting facilities are imperfect.,financial risks and other issues,and proposedsolutions such as improving relevant laws and regulations,optimizing the circulationenvironment of the central bank's digital currency,strengthening the research anddevelopment of the central bank's digital currency technology,and preventing andcontrolling financial risks,so as to help jointly promote the establishment of a digitaleconomy-oriented era,A universal,innovative and open currency service system thatcontributes to the R&D of the People's Bank of China's digital renminbi..Key Words:Central Bank digital currency:Legal compensation:Risk monitoring目录摘,|11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111引a（一）研究背景1(二)研究目的与意义…（三)研究思路和研究内容2(四)研究方法与拟创新之处…2一、理论基础与文献综述…4(一)数字货币概念及理论…(二)国内外研究综述…4二、我国央行数字货币概述6(一)我国央行数字货币概念6(二)我国央行数字货币发展历程.6三、我国央行数字货币发展现状.7（一）试点地区不断增加7（二）应用场景不断丰富.7（三)应用技术模式不断升级.7(四)各类机构不断参与.7(五)国际交流合作进一步深化…8四、我国央行数字货币所面临的问题9(一)法律体系不完善9(二)央行货币货币流通环境较差.9(三)技术配套设施不完善….10(四)金融风险加剧…。10五、我国央行数字货币应对措施.…12(一)完善相关法律法规.12(二)优化央行数字货币流通环境…12(三)加强央行数字货币技术研发力度.…13(四)防控金融风险.13结论15参考文献…16W