基于统一利率的金砖国家数字货币模型研究  

Research on Digital Currency Model of the BRICSCountries Based on Unified Interest Rate

作　　者：徐铖[1] XU Cheng(National Tax Institute,Yangzhou,Jiangsu 225007,China)

机构地区：[1]国家税务总局税务干部学院,江苏扬州225007

出　　处：《山东商业职业技术学院学报》2023年第5期11-18,共8页Journal of Shandong Institute of Commerce and Technology

摘　　要：当前,金砖国家面临着疫情反复、全球通胀和地缘冲突等前所未有的挑战。在此形势下,数字货币逐步替代以纸钞为代表的传统法定货币已经成为新的趋势,这对于金砖国家加强经济合作和推进经济一体化具有重要作用。据此提出两种基于统一利率的金砖国家数字货币模型——自由模型和渐进模型,建议由中国人民银行统一供应数字货币,金砖国家通过数字货币将比新开发银行创造更多的信贷。最后还就金砖国家推行基于统一利率的数字货币提出了建议。The BRICS countries are currently facing unprecedented challenges including recurring epidemic,global inflation and geopolitical conflicts.In this situation,the gradual replacement of the traditional legal tender represented by banknotes has become a new trend,which plays an important role in strengthening economic cooperation and promoting economic integration of the BRICS countries.Two BRICS digital currency models based on unified interest rates-the free model and the progressive model-are proposed,and it is suggested that the People’s Bank of China supply digital currency uniformly,and it is pointed out that the BRICS countries will create more credit through digital currency.Finally,suggestions are put forward for BRICS countries to implement a digital currency based on a unified interest rate.

关 键 词：金砖国家 数字货币 统一利率 自由模型 渐进模型 信贷盈余 

分 类 号：F832.6[经济管理—金融学]