数字人民币跨境流动:动因、挑战与制度因应  

Digital RMB's Cross-border Flow:Motivation,Challenges and Institutional Response

作　　者：卜学民 马其家[2] BU Xue-min;MA Qi-jia

机构地区：[1]对外经济贸易大学法学院证券和公司法研究中心 [2]对外经济贸易大学法学院

出　　处：《法治研究》2022年第1期91-101,共11页Research on Rule of Law

基　　金：对外经济贸易大学研究生科研创新基金资助项目“法定数字货币跨境流动法律问题研究”(项目编号:274202114)研究成果。

摘　　要：数字人民币已在国内试点,跨境流动亦是必然趋势。与传统货币相比,数字人民币不仅具有安全、效率和成本优势,能够优化货币管理,还能够推动人民币国际化和建立更加公平的国际货币体系。但作为一种新的货币形态,数字人民币也面临削弱货币主权、技术不成熟与不兼容、基础设施不配套和流通风险等挑战。为因应数字人民币国际化趋势和应对以上挑战,应该以维护我国货币主权和金融稳定、增强数字人民币综合竞争力和强化我国的金融风险控制和应对能力为应然逻辑,以建设良好的支付基础设施及其标准、制定完善的法律和监管规则,并加强与他国的法律、监管与政策合作为具体进路。The digital RMB has been piloted in China,and its cross-border flow is also an inevitable trend.Compared with traditional currencies,the digital RMB not only has the advantages of higher safety,higher efficiency and lower cost,but also can optimize currency management,promote the RMB's internationalization and establish a fairer international monetary system.However,as a new currency form,the digital RMB also faces multiple challenges,including the weakening of monetary sovereignty,the immaturity and incompatibility of technologies,the incompatibility with existing infrastructure,and circulation risk.In order to respond to the internationalization trend of the digital RMB and overcome the above challenges,China should follow the logic of safeguarding monetary sovereignty and financial stability,enhancing comprehensive competitiveness of the digital RMB,and strengthening financial risk control and response capabilities to construct good payment infrastructure,formulate sound legal and regulatory rules,and strengthen cross-border legal,regulatory and policy cooperation with other countries.

关 键 词：数字人民币 跨境流动 国际化 支付基础设施 法律制度 

分 类 号：F832.6[经济管理—金融学] F822F49