数字货币浪潮下,批发支付“革故鼎新”  

Amid a Digital Currency Wave,Wholesale Payments Undergo‘Reform and Innovation’

作　　者：赵鹞 ZHAO Yao(Payment and Settlement Research Center,Institute of Finance,Chinese Academy of Social Sciences)

机构地区：[1]中国社科院金融研究所支付清算研究中心

出　　处：《金融市场研究》2025年第4期93-102,共10页Financial Market Research

摘　　要：历史经验表明,每一轮批发支付的创新,均是金融市场结构调整、技术进步与政策需求交汇的结果。批发支付通过财政货币的协调、央行-银行间的信用机制以及为零售支付提供基础设施,保证法定货币单一性。在全球数字货币浪潮兴起的背景下,批发支付体系正面临新一轮变革,中国应当借鉴历史经验,加快批发支付创新步伐,以提升金融基础设施数字化水平,增强人民币国际支付能力,并助力实现金融强国战略目标。Historical experience shows that every round of wholesale payment innovation is the result of the intersection of financial market restructuring,technological advancement and policy demand.Wholesale payment ensures the uniqueness of legal tender through the coordination of financial currency,the credit mechanism between central banks and banks,and the provision of infrastructure for retail payment.Against the backdrop of the global digital currency wave,the wholesale payment system is facing a new round of changes,and China should learn from historical experience and accelerate the pace of wholesale payment innovation to enhance the digitalization level of the financial infrastructure.It also needs to strengthen the renminbi's international payment capacity and help China realize the strategic goal of becoming a strong financial power.

关 键 词：批发支付创新 中央银行数字货币 金融基础设施 

分 类 号：F832.2[经济管理—金融学]