关于央行法定数字货币的若干思考

doi:10.12094/1002-7246（2017）07-0078-08

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摘要随着信息科技的快速发展,移动支付、可信云计算、区块链等新技术的推出,中央银行发行的传统纸质货币面临着许多新的挑战,数字货币可能成为未来货币发行、支付模式的发展方向。本文在理论层面,梳理了数字货币概念、理念发展,总结了理想的数字货币需要具备的特征;在技术层面,在对区块链技术进行辩证分析的基础上,提出数字货币系统应兼收并蓄包括区块链在内的各种成熟技术;在实践层面,在总结若干需要重点考虑问题的基础上,提出了构建中国法定数字货币的设计要点。

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	姚前
	汤莹玮

关键词: 数字货币区块链央行法定数字货币

Abstract: Digital currencies may lead the future development of currency issuance and payment method, as banknotes are facing unprecedented challenges by new technologies like mobile payment, trustworthy cloud computing and block-chain, etc. Theoretically, this article introduces the definition and evolutional paradigms of digital currency,then characteristics of ideal digital currency are concluded.Technologically, after analyzed the potential advantages and unsolved problems of block-chain technology,we think CBDC system should adopt all kinds of mature technologies including block-chain. On the level of implementation, this article summarizes key points of issuing CBDC in China.

Key words: Digital Currency Block-chain Central Bank-issued Digital Currency(CBDC)

JEL分类号:

E42

G28

作者简介: 姚前,工学博士,教授级高工,任职于中国人民银行数字货币研究所,Email:yaoqian@pbc.gov.cn.汤莹玮,经济学博士,副研究员,任职于上海票据交易所,Email:tangyw@shcpe.com.cn.

引用本文:

姚前, 汤莹玮. 关于央行法定数字货币的若干思考[J]. 金融研究, 2017, 445(7): 78-85.
YAO Qian, TANG Yingwei. Some Thoughts on Central Bank-issued Digital Currency. Journal of Financial Research, 2017, 445(7): 78-85.

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http://www.jryj.org.cn/CN/10.12094/1002-7246（2017）07-0078-08 或 http://www.jryj.org.cn/CN/Y2017/V445/I7/78

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