数字人民币对商业银行的影响及对策研究  

Research on the Impact of E-CNY on Commercial Banks and the Counter-measures

作　　者：段涛 DUAN Tao(School of Economics,University of Chinese Academy of Social Sciences,Beijing 102401,China)

机构地区：[1]中国社会科学院大学经济学院,北京102401

出　　处：《邵阳学院学报（社会科学版）》2022年第2期63-68,共6页Journal of Shaoyang University:Social Science Edition

摘　　要：2021年各国央行数字货币竞合进入白热化阶段,我国数字人民币试点稳步推进。在数字人民币“双层运营”模式下,商业银行在数字人民币发行、兑换、流通过程中将扮演重要角色。数字人民币业务从试点到全面推广给商业银行数字化转型提供了新机遇,但也带来了短期现实挑战和长期潜在影响。为进一步增强我国金融服务数字经济高质量发展的适配性,商业银行需要在建立数字钱包生态圈、打通对公金融服务全链条、提高风险应对管理能力和加强底层技术原创性等方面取得更大突破。In 2021,the competition and cooperation among digital currencies of central banks worldwide entered a white-hot phase.The e-CNY pilot projects were developed continuously.In the“double-layer operation”model of e-CNY,commercial banks play a crucial role in the course of its issue,exchange and circulation.The full-scale promotion of e-CNY will not merely offer opportunities to commercial banks,but bring them a certain extent of challenges as well.To further enhance the suitability of financial services for the high-quality development of the digital economy in China,commercial banks are expected to make greater breakthroughs in establishing a digital wallet ecosystem,opening up the entire chain of public financial services,improving risk management capabilities and developing the originality of underlying technologies.

关 键 词：数字人民币 商业银行 活期存款 短期挑战 潜在影响 

分 类 号：F830.33[经济管理—金融学]