数字人民币支付工具论  

Theory of E-CNY as a Payment Instrument

作　　者：李建星 Li Jianxing

机构地区：[1]上海政法学院,上海201701

出　　处：《探索与争鸣》2023年第6期130-142,179,180,共15页Exploration and Free Views

基　　金：国家社科基金重大项目“互联网交易制度和民事权利保护研究”(20&ZD192);上海全面依法治市立项调研课题“数字人民币跨境支付的规则建构”(KT2003186)。

摘　　要：根据修正的国家理论,数字人民币具有抽象的财产权力,可以作为一种支付工具,用于清偿金钱之债。在法偿性方面,在私人间的债务关系中,数字人民币可以不进入当事人的债务关系,允许当事人自主选择。相反,数字人民币用于清偿公法之债时必须具有无限法偿性,排除行政机关的自主选择。数字人民币超越了既有的电子支付方式,并可以通过智能合约,结合自动划账、封金、信托等法律结构,发挥多样化的货币功能。数字人民币支付费用的承担,取决于当事人的合意。另外,必须准用《电子商务法》第57条,在用户、加害人与商业银行等主体间分配数字人民币的非授权支付责任。According to the revised state doctrine,e-CNY possesses abstract property rights and can serve as a payment instrument for settling monetary debts.In terms of legal tender,e-CNY allows parties in private debt relationships to choose their preferred payment instrument,without necessarily involving e-CNY directly.However,when e-CNY is used to settle debts arising under public law,it must have unlimited legal tender,thereby excluding the autonomous choice of administrative authorities.E-CNY surpasses existing electronic payment methods and through the utilization of smart contracts and legal frameworks such as automatic transfers,blocked deposits,and trusts,it exhibits diverse monetary functions.The allocation of e-CNY payment costs depends on the agreement between the parties.Additionally,Article 57 of the E-Commerce Law must be applied accordingly to distribute the responsibility for unauthorized e-CNY payments among users,aggrieved parties,and commercial banks.

关 键 词：数字人民币 法偿性 智能合约 自动划账 非授权支付 

分 类 号：F832.2[经济管理—金融学] F49F822