法定数字货币冲击下商业银行的数字化转型  

The Digital Transformation Path of Commercial Banks under the Impact of Legal Digital Currency

作　　者：程雪军 Cheng Xuejun

机构地区：[1]同济大学法学院

出　　处：《财经科学》2023年第9期16-30,共15页Finance & Economics

基　　金：上海市哲学社会科学规划项目“金融科技公司算法风险的系统治理研究”(2022EFX001);同济大学理论创新项目“乡村振兴战略下绿色金融法治体系研究”(4040142319/013)的资助。

摘　　要：货币发展历经私人信用、机构信用、国家信用与技术信用阶段。当前,众多国家积极推进以国家信用与技术信用为基础的法定数字货币,因为它有利于各国掌握货币主权,提升商业银行的运营效率以及金融风险防范水平。然而,不同国家基于资源禀赋的差异,选择了不同的技术发展路线。其中,我国采取中心化的技术路线,稳步推进数字人民币发展,但法定数字货币面临“科林格里奇困境”,对我国商业银行带来数字化冲击:商业银行的风险管理水平承受压力,商业银行的信息管理系统面临挑战,商业银行传统经营业务收入锐减,商业银行的物理网点功能日益弱化。因此,我国商业银行亟须探索数字化转型路径:强化风险管理水平助力全面治理风险,深化商业银行的信息管理系统建设,围绕数字人民币创新业务与产品,加快商业银行的数字化网点转型。The development of currency has gone through the private credit stage,institutional credit stage,national credit stage,and technical credit stage.At present,many countries are actively promoting the legal digital currency based on national credit and technical credit,because it is conducive to countries to mastering monetary sovereignty,improving the operational efficiency and financial risk prevention level of commercial banks.However,different countries have chosen different technological development routes based on the differences in resource endowments.Among them,China has taken a centralized technical route to steadily promote the development of e-CNY,but legal digital currency faces "Collingridge's dilemma",which will bring digital impact on Chinese commercial banks:the risk management level of commercial banks is under pressure,the information management system of commercial banks is facing challenges,the traditional business income of commercial banks has been sharply reduced,and the physical network function of commercial banks has been increasingly weakened.Therefore,China's commercial banks urgently need to explore the path of digital transformation:strengthening the level of risk management to help comprehensively manage risks,deepening the construction of commercial banks' information management systems,innovating business and products around e-CNY,and accelerating the transformation of commercial banks' digital branches.

关 键 词：区块链 法定数字货币 数字人民币 商业银行 数字化转型 

分 类 号：F832.5[经济管理—金融学]