摘要
数字货币是一种特别经济技术,经济数据化逐渐成为全球经济发展趋势。中国人民银行将我国法定数字货币称为DCEP(Digital Currency and Electronic Payment),将其定义为“具有价值特征的数字支付工具”。本文在对中国数字货币界定的基础上,分析了DCEP的运行机制,并深入比较数字货币与现金、电子支付以及跨银行存款之间的优势,通过苏州试点案例,讨论总结DCEP对货币政策、商业银行、跨境支付的影响。
Digital currency is a special economic technology,and economic data has gradually become a global economic development trend.The People's Bank of China calls my country's legal digital currency DCEP(Digital Currency and Electronic Payment),and defi nes it as a"digital payment tool with value characteristics."Based on the defi nition of China's digital currency,this article analyzes the operating mechanism of DCEP,and compares the advantages of digital currency with cash,electronic payment,and cross-bank deposits.Through the Suzhou pilot case,it discusses and summarizes DCEP's monetary policy and business The infl uence of banks and cross-border payments.
作者
徐天羽
李志翠
XU Tianyu;LI Zhicui
出处
《吉林金融研究》
2021年第6期6-10,共5页
Journal of Jilin Financial Research
