中央银行数字货币的崛起:驱动因素、方法和技术  

The Rise of Central Bank Digital Currency:Drivers,Methods and Technologies

作　　者：唐珂[1] 古方仪 冯雨晴 李舒 TANG Ke;GU Fangyi;FENG Yuqing;LI Shu

机构地区：[1]中国人民银行长春中心支行,吉林长春130051

出　　处：《吉林金融研究》2020年第10期10-13,共4页Journal of Jilin Financial Research

摘　　要：近年来,中央银行数字货币(以下简称"CBDC")备受关注。基于各国研发CBDC的驱动因素、方法和技术不同,本文分析了各国研发CBDC项目的驱动因素,对各国CBDC政策框架和设计方法进行评估,详细介绍了中国、瑞典和加拿大CBDC项目开展情况,并得出实证结论:一个国家研发CBDC的可能性与其较高的手机使用率和创新能力正相关;在非正规经济规模较大的地区,零售CBDC更可能出现;在金融发展程度较高的经济体中,批发CBDC更易推出。In recent years,the central bank digital currency(hereinafter referred to as"CBDC")has attracted much attention.Based on the different driving factors,methods and technologies of the development of CBDC in various countries,this article analyzes the driving factors of the development of CBDC projects in various countries,evaluates the policy framework and design methods of CBDC in each country,and introduces the development of CBDC projects in China,Sweden and Canada in detail.Empirical conclusions:the possibility of a country’s development of CBDC is positively correlated with its higher mobile phone usage and innovation capabilities;retail CBDCs are more likely to appear in areas with a larger informal economy;in economies with higher levels of financial development,Wholesale CBDC is easier to launch.

关 键 词：中央银行数字货币 数字货币流通 分布式账本技术 区块链 

分 类 号：F830[经济管理—金融学]