全球经济治理体系变革中的跨境支付互联互通:探索与展望  

Cross Border Payment Interconnection in the Transformation of Global Economic Governance System:Exploration and Prospects

作　　者：杨卓 曹海峰[1] 王颖[1] 陈薪羽 Yang Zhuo;Cao Haifeng;Wang Ying;Chen Xinyu(China National Clearing Center,the People's Bank of China)

机构地区：[1]中国人民银行清算总中心

出　　处：《金融发展评论》2023年第12期45-60,共16页Financial Development Review

摘　　要：当前,世界百年未有之大变局加速演进,全球经济治理体系深刻变革。党的二十大报告提出推进国家安全体系和能力现代化。支付系统作为重要金融基础设施关乎国民经济发展和社会稳定。在经济制裁频发的背景下,推进跨境支付互联互通无疑会给我国经济安全带来重要保障。本文以我国开展跨境支付互联互通面临的机遇与挑战为切入点,分析了当前跨境支付领域存在的痛点和国际社会的相关实践,同时在多边央行数字货币桥项目的基础上又总结提出依托现有支付系统优化跨境支付流程、建设备用型跨境支付信息传递系统、依托中央银行数字货币的创新发展构建新型跨境支付生态体系等三种不同的跨境支付联通路径,并创新性地设计了具体方案,以期为我国跨境支付发展建言献策。At present,the world's unprecedented major changes are accelerating their evolution,and the global economic governance system is undergoing profound changes.The report of the 20th National Congress of the Communist Party of China proposes to promote the modernization of the national security system and capabilities.The payment system,as an important financial infrastructure,is crucial for national economic dev elopment and social stability.Against the backdrop of frequent economie sanctions,promoting cross-border payment connectivity will undoubtedly provide important guarantees for China's economic security.This article takes the opportunities and challenges faced by China's cross-border pay ment interconnection as the starting point,analyzes the pain points in the current cross-border payment field and relevant practices of the international community.At the same time,based on the multilateral central bank digital currency bridge project,it summarizes and proposes to optimize the cross-border payment process by relying on the existing payment system Three different cross-border payment connectivity paths have been developed,including the construction of a backup cross-border payment information transmission system and the construction of a new cross-border payment system based on the innovative development of central bank digital currency.Specific solutions have been innovatively designed to provide advice and suggestions for the development of cross-border payments in China.

关 键 词：跨境支付 互联互通 中央银行数字货币 

分 类 号：F832.6[经济管理—金融学]