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央行数字货币:影响及其挑战

黄双双 黄志刚 王姗

黄双双, 黄志刚, 王姗. 央行数字货币:影响及其挑战[J]. 广东财经大学学报, 2021, 36(5): 4-15.
引用本文: 黄双双, 黄志刚, 王姗. 央行数字货币:影响及其挑战[J]. 广东财经大学学报, 2021, 36(5): 4-15.
HUANG Shuang-shuang, HUANG Zhi-gang, WANG Shan. Central Bank Digital Currency: Impacts and Challenges[J]. Journal of Guangdong University of Finance & Economics, 2021, 36(5): 4-15.
Citation: HUANG Shuang-shuang, HUANG Zhi-gang, WANG Shan. Central Bank Digital Currency: Impacts and Challenges[J]. Journal of Guangdong University of Finance & Economics, 2021, 36(5): 4-15.

央行数字货币:影响及其挑战

基金项目: 中宣部干部局(四个一批人才项目)“金融安全与区块链金融研究”
详细信息
    作者简介:

    黄双双(1992-),女,福建莆田人,福州大学经济与管理学院博士研究生

    王姗(1980-),女,山东海阳人,中国银行福建省分行职员

    通讯作者:

    黄志刚(1963-)(通讯作者),男,江西余干人,福州大学经济与管理学院教授,博士生导师

  • 中图分类号: F820.2

Central Bank Digital Currency: Impacts and Challenges

  • 摘要: 央行发行数字货币是现代货币金融体制的重大变革,但央行数字货币研究涉及的内容和体系十分庞杂。对央行数字货币的基础概念、内涵以及其对经济金融的影响进行梳理,探讨央行数字货币对优化支付体系、丰富货币政策的贡献,以及给金融稳定带来的挑战。研究发现,央行数字货币的产生与发展依托于信息技术的兴起,其带来的经济效益将高于传统法定货币带来的经济效益。央行数字货币的出现是改善支付问题的重要突破,发行央行数字货币对零售、批发和跨境支付具有优化作用,其能够重塑支付体系,实现代币化交易和安全的信息共享,未来有可能成为主要的支付工具之一。由于央行数字货币对货币政策的影响较大,且相关研究尚处于探索之中,因此很难得出明确或定量的稳健性结论。央行数字货币的设计将影响到金融结构和经济的各个方面,本研究对于我国央行数字货币的理论与实践发展具有重要启示。
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出版历程
  • 收稿日期:  2021-06-23
  • 网络出版日期:  2021-11-11
  • 刊出日期:  2021-09-28

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