数字人民币在科创金融中的应用机制与效能提升研究——基于融合科技与金融的创新路径  

The Application Mechanism and Efficiency Enhancement of Digital RMB in Sci-Tech Finance:A Perspective of Innovative Path Integrating Science,Technology and Finance

作　　者：陆岷峰 LU Minfeng(Shanghai University Shanghai Institute of Science and Technology Finance,Tianjin300222)

机构地区：[1]上海大学上海科技金融研究所,上海200444

出　　处：《苏州科技大学学报(社会科学版)》2025年第1期26-34,107,共10页Journal of Suzhou University of Science and Technology(Social Science Edition)

基　　金：国家社会科学基金一般项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022);“基于区块链技术的供应链金融共生融资模式与协同决策研究”(20BGL009)。

摘　　要：科创金融作为科技金融的关键领域,致力于融合科技与金融。数字人民币的引入在这一领域展现了显著的应用价值和发展前景。数字人民币通过区块链等技术的应用提高了金融交易的安全性与效率,优化了资金流动,满足了科创金融对快捷、透明、高效资金周转的需求。基于此,通过分析数字人民币在科创金融中的应用机制及其提高效率的影响,构建具体的应用模式,探讨其面临的新挑战及解决策略,从而支持科技和金融的创新发展。为了最大限度发挥数字人民币的潜力,需要建立理论与实践相结合的框架,加强理解其在科技创新和金融服务中的作用,同时强化政策支持和监管创新。数字人民币的应用不仅为科创金融开辟了新路径,还显著提升了金融服务效能,助力经济高质量发展。Sci-Tech Finance,as a critical domain for integrating science,technology and finance,aims to harmonize technological advancement with financial innovation.The advent of digital RMB has demonstrated significant application potential and developmental prospects in this domain.By leveraging blockchain technology,digital RMB enhances the security and efficiency of financial transactions,optimizes fund flows,and satisfies the demand for rapid,transparent,and efficient capital turnover in sci-tech finance.Building on existing scholarship,this study conducts an in-depth analysis of the application mechanisms of digital RMB in sci-tech finance and examines its role in improving operational efficiency.Specific application models are constructed to elucidate these mechanisms,while the challenges and corresponding solutions are thoroughly discussed.The findings underscore the importance of establishing a theoretical and practical framework to fully realize the potential of digital RMB,enhancing its contributions to technological innovation and financial services.Additionally,the study highlights the necessity of policy support and regulatory innovation to address emerging challenges.The application of digital RMB not only introduces novel pathways for sci-tech finance but also significantly bolsters the efficiency of financial services,thereby contributing to the high-quality development of the economy.

关 键 词：科创金融 数字人民币 安全性与效率 应用机制 高质量发展 

分 类 号：F832.1[经济管理—金融学]