摘要
基于区块链技术的央行法定数字货币(DCEP)呼之欲出,不仅将颠覆全社会征信体系,而且将重塑银行体系,搭建新的国际货币体系架构,重构全球跨境资金支付规则。DCEP初期不会对现有银行体系造成太大的冲击,仅仅改变全社会支付和使用现金的习惯和方式。但从中长期看,其必将颠覆银行体系,重塑银行业态的支付、融资、信用创造、金融服务等诸多体系和各个领域。同时,DCEP一方面会加速商业银行脱媒,另一方面会使中央银行的发行银行中心地位更加突出,而且使宏观审慎监管变得更加便利,实时、精准追踪、掌控全社会资金交易的每一笔数据。
The DCEP based on blockchain technology is ready to come out.It not only overturns the whole society’s credit reporting system,but also reshapes the banking system.On the one hand,it will build a new international currency system structure.On the other hand,it will restructure global cross-border capital payment rules.In the early days of DCEP,it will not cause too much impact on the existing banking system,but only change the habits and methods of payment and use of cash in the whole society.However,in the medium and long term,it will definitely disrupt the banking system and reshape the banking system in payment,financing,credit creation,financial services and many other systems and fields.At the same time,on the one hand,DCEP will accelerate the disintermediation of commercial banks.On the other hand,it will make the issuing bank center of central banks more prominent.Thus,the macro-prudential supervision will be more convenient to track and control the data of social capital transaction timely and precisely.
作者
徐文彬
XU Wen-bin(Beijing Information Science and Technology University,Beijing 100192,China)
出处
《税务与经济》
CSSCI
北大核心
2020年第5期29-36,共8页
Taxation and Economy
