摘要
以区块链技术特性为主要特征的数字货币具有天然跨境和不依赖账户的“交易即结算”属性,与现有支付体系不同,基于区块链技术的支付体系能够在提供更高交易速率和更可靠交易方式的前提下,大幅减少支付成本。本文以央行数字货币电子支付(DC/EP)工具的技术特性为基础,通过探究我国现有跨境支付模式存在的问题以及央行数字货币用于跨境支付业务的潜在优势,研判DC/EP环境下跨境支付方式的可能性变革,提出了基于DC/EP的人民币跨境支付和基于区块链技术的跨币种代币支付方式两种模式,并对这两种跨境支付模式所面临的风险和挑战提出对策建议。
Digital currency with the main characteristics of blockchain technology has the attribute of natural cross-border and account independent "transaction as settlement".Different from the existing payment system,the payment system based on blockchain technology can significantly reduce the payment cost on the premise of providing higher transaction rate and more reliable transaction mode.Based on the technical characteristics of the central bank’ s digital currency as a payment tool,this paper explores the existing problems of China’s existing cross-border payment mode and the potential advantages of the central bank’s digital currency(DC/EP) used in cross-border payment business,studies the possible changes of cross-border payment methods under the DC/EP environment,and puts forward RMB cross-border payment based on DC/EP and cross currency payment based on blockchain technology.There are two modes of token cross-border payment,and the countermeasures and suggestions are put forward for the risks and challenges faced by the two modes.
作者
王立鹏
WANG Lipeng(Lanzhou Central Sub-branch Lanzhou,Gansu 730000)
出处
《西部金融》
2021年第4期15-20,共6页
West China Finance
关键词
央行数字货币
跨境支付
金融科技
Central Bank Digital Currency
Cross Border Payment
Impact
Suggestions
