新发展格局背景下我国法定数字货币监管的再认识  

A Further Understanding of China's Legal Digital Currency Supervision under the Background of the New Pattern of Development

作　　者：郭艳芳 Guo Yanfang

机构地区：[1]贵州师范大学法学院,贵州贵阳550025

出　　处：《企业经济》2023年第9期149-155,共7页Enterprise Economy

基　　金：中共贵州省委党校、贵州师范大学研究阐释党的二十大精神专项课题“中国式现代化视域下数字货币的监管路径”(项目编号:SDXGSD20D08)。

摘　　要：数字货币的监管路径何去何从是困扰各国金融监管的难题。特别在数字货币的界定尚未被世界各国达成统一认定标准的情况之下,监管政策大相径庭。党的二十大报告指出“以经济安全为基础、以军事科技文化社会安全为保障”,这为我国客观认识由金融科技产生的法定数字货币及衡量金融科技安全与金融科技创新不同场景之下孰轻孰重指明了方向。纵观数字货币监管态势,针对我国法定数字货币发展实际面临的技术、信用、法律等主要风险,应以穿透式监管为手段、以保障用户权益为出发点、以数字法治化为保障,走出一条适合“中国方案”的数字货币监管路径。The direction of the supervision path of digital currency is a difficult problem for financial supervision in all countries.Especially when the definition of digital currency has not been agreed by all countries in the world,the regulatory policies are quite different.The report of the 20th National Congress of the Communist Party of China pointed out that,we must take"economic security as our foundation,military,technological,cultural,and social security as important pillars",which provided a clear direction for China to objectively understand the legal digital currency generated by FinTech and to measure the priority of FinTech security and FinTech innovation in different scenarios.Taking a comprehensive view of the digital currency supervision situation,it is concluded that the major risks such as technology,credit and law that China's digital currency development actually faces need to find a digital currency supervision path suitable for the"China Plan"by means of penetrating supervision,taking the protection of user rights and interests as the starting point,and taking the digital legalization as the guarantee.

关 键 词：法定数字货币 数字人民币 监管 

分 类 号：F822[经济管理—财政学]