数字人民币应用对实体经济的影响与发展机会的再造  

The Impact of the Application of E-CNY on the Real Economy and the Reconstruction of Development Opportunities

作　　者：欧阳文杰 杨越 陆岷峰 Ouyang Wenjie;Yang Yue;Lu Minfeng(Tongling University,Tongling,Anhui 244061,China;Shanghai Institute of Science and Technology Finance,Shanghai University,Shanghai 200444,China)

机构地区：[1]铜陵学院金融学院,安徽铜陵244061 [2]上海大学上海科技金融研究所,上海200444

出　　处：《漯河职业技术学院学报》2025年第1期61-68,共8页Journal of Luohe Vocational and Technical College

基　　金：国家社会科学基金项目“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);教育部人文社会科学青年基金项目“安全众测服务生态系统价值共创机制研究”(22YJC630214);江苏省社会科学基金项目“数字金融市场风险管控长效机制研究”(20EYB009)。

摘　　要：在数字经济迅猛发展的背景下,数字人民币(e-CNY)作为中国人民银行发行的法定数字货币,不仅代表了货币发展的新方向,也为实体经济的发展带来了深远的影响和广阔的发展机会。通过分析数字人民币在提高支付系统效率、加快资金流转速度、增强资金监管透明度以及推动金融服务创新等方面的作用,探讨数字人民币对实体经济的积极影响,系统梳理数字人民币应用过程中存在的挑战,并提出相应的发展策略和问题解决措施。数字人民币的推出为实体经济的发展提供了新的动力和机遇,未来有望在更广泛的领域发挥重要作用。In the context of the rapid development of the digital economy,the digital RMB(e-CNY),as a legal digital currency issued by the People’s Bank of China,not only represents a new direction of monetary develop-ment,but also brings far-reaching impact and broad development opportunities for the development of the real economy.By analyzing the role of the digital RMB in improving the efficiency of the payment system,accelera-ting the speed of fund flows,enhancing the transparency of capital supervision and promoting financial service innovation,this paper discusses the positive impact of the digital RMB on the real economy,systematically sorts out the challenges in the application of the digital RMB,and proposes the corresponding development stra-tegies and measures.Issuing the digital RMB has provided new impetus and opportunities for the development of the real economy,and is expected to play an important role in a wider range of fields in the future.

关 键 词：数字人民币 实体经济 支付系统 资金流转 金融服务创新 

分 类 号：F822[经济管理—财政学]