央行数字货币成为有效流通货币的可行性探究  

Probe of the Central Bank’s Digital Currency Becoming an Effective Circulation Currency

作　　者：曹君怡 CAO Junyi

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》2022年第5期75-78,共4页Journal of Jilin Financial Research

摘　　要：数字货币利用去中心化的技术和发行数量确保数字货币价值的稳定,并应用区块链等数字网格技术用于真实的商品和服务交易,不需要承担获取、发行和处理实物纸币和硬币的成本,且在金融体系中流通时可对其实时跟踪,具有分布式记账、独特加密技术、去中心化结算等特点,具有这些特点的数字化工具要成为主权化的货币必须获得国家信用的支撑,兼顾人们对币值稳定和货币政策的需求,即国家发行的数字货币才是法定数字货币--即央行数字货币(Central Bank-issued Digital Currency,CBDC)。Digital currency uses decentralized technology and issued quantity to ensure the stability of digital currency value,and applies digital grid technologies such as block chain to real transactions of goods and services.It does not need to bear the cost of acquiring,issuing and processing physical notes and coins,and can track them in real time as they circulate in the financial system,with the characteristics of distributed bookkeeping,unique encryption technology,decentralized settlement and so on.In order to become a sovereign currency,digital tools with these characteristics must be supported by national credit and take into account people’s demand for currency stability and monetary policy,that is,the digital currency issued by the state is the legal digital currency,that is,the digital currency of the central bank.

关 键 词：货币形态 金融科技 央行数字货币 

分 类 号：F830[经济管理—金融学]