金融科技时代数字人民币应用风险的监管挑战及应对  

Regulatory Challenges and Countermeasures of Digital Currency Electronic Payment Application Risk in the Era of Financial Technology

作　　者：王小丽[1] WANG Xiao-li(School of Law,Anhui University of Finance and Economics,Bengbu Anhui 233030,China)

机构地区：[1]安徽财经大学法学院,安徽蚌埠233030

出　　处：《齐齐哈尔大学学报（哲学社会科学版）》2022年第7期81-86,共6页Journal of Qiqihar University(Philosophy & Social Science Edition)

基　　金：安徽省高校人文社会科学研究重点项目:金融科技监管法律制度研究(SK2019A0052)。

摘　　要：随着金融科技的深入发展,许多国家加快推进法定数字货币的研发,目前我国数字人民币正处于试点应用不断深入和拓展的进程中。数字人民币作为一种新型货币形态,在试点运行、未来全面推广以及深入应用过程中可能会产生技术风险、法律风险以及金融风险等,这些潜在风险给我国现行人民币监管法律制度带来一定挑战。因此,亟需建立健全数字人民币法律法规,完善数字人民币监管体制,以防范数字人民币应用的潜在风险,保障其稳健发展。With the in-depth development of financial technology,many countries have accelerated the research and development of legal digital currency.At present,DCEP is in the pilot application process of deepening and expanding.As a new currency form,DCEP may produce technical risks,legal risks and financial risks in the process of pilot operation,comprehensive promotion and indepth application in the future.These potential risks bring some challenges to China's current RMB supervision legal system.Therefore,it is urgent to establish and improve DCEP laws and improve DCEP supervision system,so as to prevent the potential risks of DCEP application and ensure the steady development of DCEP.

关 键 词：数字人民币 金融科技 风险 监管 

分 类 号：D912.28[政治法律—民商法学]