快速电子支付系统的应用现状和展望——以拉丁美洲和加勒比海国家为视角  

Current Status and Prospects of the Application of Fast Payment Systems:A Perspective from Latin American and Caribbean Countries

作　　者：张瑞龙 任志鹏 ZHANG Ruilong;REN Zhipeng(Indiana University Maurer School of Law,Innovation-Driven Development Center of the National Development and Reform Commission;Zhejiang college of Security Technology,Wenzhou Zhejiang Province 325016,China)

机构地区：[1]印第安纳大学摩尔法学院 [2]国家发展改革委创新驱动发展中心,北京100000

出　　处：《中国发展》2025年第1期53-58,共6页China Development

摘　　要：快速电子支付系统是央行数字货币的重要补充,它不仅推动了普惠金融的发展,还提供了高效的支付手段,显著推动了经济增长,并对现有的金融结构产生了深远影响。各国对电子支付系统的看法和采用策略各有差异,其中央行的角色也呈现出多样性。我国对于快速电子支付系统的积极接纳与推广,正在为全球货币格局带来新的变化。该文通过深入探讨全球电子支付系统的发展态势以及各国央行在其中的角色,对比分析了北美与南美国家央行在电子支付体系中的不同态度与策略。通过揭示该系统的实施难点,为全球范围内的电子支付系统发展提出了具体建议。Faster electronic payment systems are an important complement to central bank digital currencies.They not only promote the development of inclusive finance but also provide efficient means of payment,significant-ly boosting economic growth and having a profound impact on the existing financial structure.Countries have differ-ent views and adoption strategies for electronic payment systems,and the role of their central banks also varies.China's active acceptance and promotion of rapid electronic payment systems are changing the global monetary land-scape.This paper compares and analyzes the different attitudes and strategies of central banks in North and South America towards electronic payment systems by thoroughly exploring the development of electronic payment systems worldwide and the role of central banks in them.By revealing the difficulties in implementing the system,specific suggestions are put forward for developing electronic payment systems worldwide.

关 键 词：电子支付 快速电子支付系统 跨境电子支付系统 央行数字货币 CBDC mBridge 

分 类 号：F833[经济管理—金融学]