我国居民数字人民币使用意愿影响因素研究

The Influencing Factors of Chinese Residents’ Willingness to Use Digital RMB

摘要: 以区块链技术为基础的比特币等数字货币的兴起引起了全世界关注，同时也推动了世界各国积极探索使用央行数字货币的可能。目前，中国加紧推广央行数字人民币的使用，然而尽管数字人民币具有交易成本低、使用安全等特点，实际的使用频率相对移动支付等方法仍很低。为探索影响数字人民币推广的因素，本研究在数字人民试点城市及非试点城市发放调研问卷，除基本的人口学数据外，还着重考察居民的科技与金融素养、互联网金融使用习惯、数字金融认知等因素，并从数字人民币钱包安装、数字人民币使用额度以及未来数字人民币使用意愿三个方面进行实证分析。结果发现，科技与金融相关专业背景可有效促进数字人民币的使用，其他要素如年龄、性别、移动支付等互联网金融的使用、对数字人民币认知等因素对也具有一定的影响。

Abstract: The rise of digital currencies such as Bitcoin, which is based on blockchain technology, has attracted worldwide attention and prompted countries around the world to actively explore the possibility of using central bank digital currencies. China aims to promote the use of the central bank’s digital yuan. While although the digital yuan has the characteristics of low transaction costs and safe use, the actual frequency of use is still low compared with other mobile payment methods. In order to explore the factors affecting the use of digital RMB, this study conducted a questionnaire survey in both pilot and non-pilot cities of digital RMB. In addition to basic demographic data, we also focus on factors such as residents’ technical and financial literacy, Internet finance usage habits, and digital finance cognition. Then, the impact on the use of digital RMB is investigated from three aspects: the installation of digital RMB wallet, the amount of digital RMB payment and the willingness to use digital RMB in the future. The results show that professional background related to technology and finance can effectively promote the use of digital RMB, while other factors such as age, gender, the use of Internet finance such as mobile payment, the cognition of digital RMB also have a certain impact.