我国商业银行数字货币业务存在的问题及对策建议

我国商业银行数字货币业务存在的问题及对策建议摘要货币是一种特殊的经济产品，随着经济的发展、科技的进步和市场需求的变化，它的形式也在渐渐发生变化，形态从实物到金属铸币再到纸币。随着数字经济飞速发展，网络技术、信息技术与各行各业的携手发展作用不断增强，新兴技术如区块链、大数据等与金融业的融合发展日益紧密，虚拟货币和数字货币显露头角。如今，数字货币也开始闯入大众的视线中，在新的数字经济时期，信息技术的发展与使用可以有效地适应人民群众对货币的特殊需要。在经济活动中，商业银行的作用是不可或缺的，它具有创造信用、中介和支付中介的功能。我国央行的数字货币在商业银行业务的拓展中肩负着重要的责任。因此，我国商业银行必须要牢牢抓住这一机遇，进行战略规划，加快转型的步伐，谋求新的发展机遇。文章以“数字货币”为切入点，对我国商业银行业务的改革进行了探索。本文运用文献分析、案例分析等方法，论述了目前我国商业银行数字货币业务的现状，指出了商业银行数字货币业务存在着“挤兑”、“转型”、“客户隐私保护隐患”、“支付结算体系”和“盈利模式”等问题及其成因：进而提出了相对合理化建议。文章丰富了我国商业银行数字货币业务的相关研究，对“数字货币”背景下商业银行数字货币业务的发展提供了参考价值。关键词：商业银行；数字货币业务；数字化转型：风险管理-I-Problems and countermeasures of digital currency business inChina's commercial banksAbstractMoney is a special economic product.With the development of economy,theprogress of science and technology and the change of market demand,its form is graduallychanging,from physical objects to metal coins and then to paper money.With the rapiddevelopment of digital economy,the role of network technology,information technologyand all walks of life are increasingly enhanced.Emerging technologies,such as blockchain and big data,are increasingly integrated with the financial industry,and virtualcurrency and digital currency are emerging.Nowadays,digital currency has also begun tobreak into the public's sight.In the new digital economy period,the development and useof information technology can effectively adapt to the special needs of the people formoney.In economic activities,the role of commercial banks is indispensable,it has thefunction of creating credit,intermediary and payment intermediary.Central bank digitalcurrency plays an important role in the development of China's commercial banks.Therefore,China's commercial banks must firmly seize this opportunity,carry out strategicplanning,accelerate the pace of transformation,and seek new development opportunities.This paper takes "digital currency"as the breakthrough point to explore the reform ofChina's commercial banking business.Using literature analysis,case analysis and othermethods,this paper discusses the current situation of digital currency business ofcommercial banks in China,and points out that there are "run","transformation","hiddendangers of customer privacy protection","payment and settlement system","profit model"and other problems in digital currency business of commercial banks and their causes.Then put forward the relative rationalization proposal.This thesis enriches the research ondigital currency business of commercial banks in China,and provides reference value forthe development of digital currency business of commercial banks under the background of"digital currency".Key words:Commercial Bank;Digital Currency Business;Digital Transformation;RiskManagementII-目录摘要Abstract一、绪论(一)研究背景.5(二)研究目的与意义.……5(三)研究思路与研究内容.(四)研究方法与拟创新之处…61.研究方法…。62.拟创新点.6二、理论基础与文献综述…7(一)含义71.数字货币.…72.央行数字货币.7(二)相关理论.81.凯恩斯学派的货币政策传导机制…82.货币学派的货币政策传导机制。.8（三)研究综述.…8三、我国商业银行数字货币业务的发展模式和现状.10(一)我国商业银行数字货币业务的发展模式101.两种运营构架：一元模式与二元模式.102.商业银行数字货币多方位的管理模式.103.中国央行数字货币运