摘要
本文首先厘清了全球主要央行数字货币的发展态势和兴起背景,在此基础上论述了央行数字货币的全球意义以及中国推行数字人民币的战略意义:(1)世界各国推行CBDC有助于提升普惠金融水平、提高跨境支付和结算效率、争取货币主权争夺战略制高点。(2)数字人民币在助力农村金融、小微企业信贷、养老金融方面发挥重要作用;数字人民币智能合约可提高资金安全性、丰富财政政策工具箱;通过多边央行数字货币桥(m Bridge)拓展人民币国际化实际应用场景;在政治考量上,数字人民币有助于保障我国金融安全、推动人民币国际化。未来中国应推动数字人民币在零售端的广泛应用;利用数字人民币更好地实施货币政策和财政政策;构建数字人民币支付体系,助推人民币国际化。
This article first clarifies the development trend and background of central bank digital currencies(CBDCs)in various countries.Based on this,the paper discusses the global significance of central bank digital currencies and the strategic significance of China's promotion of E-CNY:(1)the promotion of CBDCs by countries around the world can help improve the level of inclusive finance,enhance cross-border payment and settlement efficiency,and maintain the strategic high ground of currency sovereignty competition;(2)The E-CNY plays an important role in supporting rural finance,small and micro enterprise credit,and aging finance;E-CNY smart contracts can improve fund security and enrich the toolbox of fiscal policies;Expand the practical application scenarios of RMB internationalization through Project Multiple CBDC Bridge(Project mBridge);In terms of political considerations,E-CNY will help safeguard China's financial security,respond to the"Belt and Road"initiative,and promote the internationalization of RMB.In the future,China should promote the widespread application of E-CNY at the retail end,use E-CNY to better implement monetary and fiscal policies,and build an E-CNY payment system to boost RMB interna⁃tionalization.
作者
周科杰
寇宗来
刘凌琛
Zhou Kejie;Kou Zonglai;Liu Lingchen
出处
《经济学家》
北大核心
2025年第2期65-75,共11页
Economist
基金
国家社会科学基金重点项目“推动经济发展的质量变革、效率变革和动力变革研究”(22AZD031)。
作者简介
周科杰,复旦大学经济学院博士研究生;寇宗来,复旦大学经济学院教授、博士生导师;刘凌琛,复旦大学经济学院博士研究生。
