央行数字货币发行的法律问题探析  

Explorations on Legal Issues of Central Bank Digital Currency Issuance

作　　者：李昭阳 LI Zhaoyang

机构地区：[1]河海大学法学院,江苏南京210000

出　　处：《淮南师范学院学报》2022年第6期15-20,共6页Journal of Huainan Normal University

摘　　要：数字货币是货币在互联网信息科技驱动下的产物,是货币继实物形态、金属形态、纸币形态后的又一次重大形态变迁,是未来货币的发展趋势。央行数字货币是货币的数字化表现形式,是我国的法定数字货币,有别于虚拟货币,与第三方电子支付相比有着不可替代的优势。但就我国现有法律而言,央行数字货币是一个全新的领域,其发行和流通将面临着缺乏发行依据、法偿性受限以及反洗钱和反假币等法律问题,可以通过修改和完善法律法规来填补现有法律体系中关于央行数字货币的漏洞,也可以针对央行数字货币制定专门的数字货币法,对其发行和流通进行全面地规范。Digital currency is the product of currency driven by internet information technology.It is another major form change of currency after physical form,metal form and paper form,and marks the development trend of currency in the future.Central bank digital currency is a digital form of currency and legal digital currency in China.It is different from virtual currency and has irreplaceable advantages compared with third-party electronic payment.However,as far as China's existing laws are concerned,the central bank's digital currency is a brand new field,and its issuance and circulation will face legal problems such as lack of issuance basis,limited legal compensation,anti-money laundering and anti-counterfeiting,etc.Therefore,the loopholes in the existing legal system concerning the central Bank's digital currency can be filled by amending and improving laws and regulations.It is also possible to formulate a special Digital Currency Law for the central bank's digital currency to comprehensively regulate its issuance and circulation.

关 键 词：央行数字货币 电子支付 中国人民银行 货币法 

分 类 号：D922.28[政治法律—经济法学]