摘要
论文基于碳达峰、碳中和的战略背景,探讨数字人民币在绿色金融中的应用。数字人民币采用了最新金融科技技术,具有精准追踪资金流向、突破银行物理网点等特征,未来技术上若实现特定条件进行主体触发,数字人民币将对绿色金融资金流向控制、绿色金融体系建设等方面具有重要的理论和实践意义。论文探讨数字人民币在绿色信贷、绿色债券、绿色信用卡等方面的应用,针对数字人民币的立法尚待明确完善及技术风险、绿色金融运用场景不足、绿色金融规模不大等问题,提出未来应该加快数字人民币推广、拓展绿色金融运用场景、健全绿色金融政策支持框架、优化监管考核等建议,以发挥数字人民币在绿色金融领域的作用。
This paper analyzes the application of Digital Currency Electronic Payment(DCEP)in green finance based on the strategic background of carbon peak and carbon neutral.DCEP adopts the newest financial technology,which has the characteristics of accurately tracking the flow of cash and immune from restrictions of physical banks.In the future,if specific conditions and main trigger are realized,DCEP has important theoretical and practical significance for the control of green financial capital flow and the construction of green financial system.This paper discusses the application of DCEP in green credit,green bond,green credit card and so on.In view of the problems that the legislation of DCEP needs to be clarified and perfected,the technical risks,the insuffcient application scenarios of green finance,and the insuffcient scale of green finance,this paper proposes that the promotion of DCEP should be accelerated,the application scenarios of green finance should be expanded,the policy support framework of green finance should be improved,and the supervision and assessment should be optimized,so as to give full play to the role of DCEP in the field of green finance.
作者
李连山
陈文虎
王宏伟
LI Lian-shan;CHEN Wen-hu;WANG Hong-wei
出处
《农村金融研究》
2021年第6期22-28,共7页
Rural Finance Research
