摘要
为掌握货币流通的主动权、维持现行金融体系的稳定,我国积极开展数字人民币的前瞻性研究,现已进入DCEP的试点工作,这将对数字货币及第三方支付行业产生不可逆转的洗牌与重组。本文通过比较法定数字货币和第三方支付在理论基础、支付流程和存款流程等方面的差异,探讨法定数字货币在技术与理论层面下对第三方支付可能造成的冲击。
In order to grasp the initiative of money circulation and maintain the stability of the current financial system,China has actively carried out the prospective research on DCEP and has entered the experimental work,which will bring irreversible reshu ffle and restructuring of the digital currency and third-party payment industry.By comparing the differences between legal digital currency and third-party payment in terms of theoretical basis,payment process and deposit process,this paper discusses the possible impact of legal digital currency on third-party payment at the technical and theoretical level.
作者
郑帆
倪德慧
ZHENG Fan;NI Dehui(Nanjing Normal University Zhongbei College Danyang,Jiangsu 212334)
出处
《中国商论》
2022年第3期7-9,共3页
China Journal of Commerce
基金
江苏省高校哲学社会科学研究基金项目“我省消费需求扩张的供给侧约束及改革方案研究”(2018SJA2137)
南京师范大学中北学院2020年大学生创新创业训练项目“法定数字货币对第三方支付的影响及对策研究”(202013906013Y)。
