数字人民币支付功能的规制研究

Research on Regulation of Digital RMB Payment Function

摘要: 目前全球多个国家与地区在争相推进法定数字货币的研发与试点，我国的数字人民币(e-CNY)目前正处于不断扩大试点范围的阶段。与现有的现金支付方式与第三方支付方式相比较，法定数字货币支付结算具有其独特的优势。法定数字货币支付方式的出现，将会对人们的生活带来深刻影响，也会给央行等金融监管部门带来全新的挑战与机遇。本文将着重于我国的数字人民币，结合数字人民币的试点状况，数字人民币支付结算功能的优势及其所面临的困境，并给出相应的对策建议。

Abstract: At present, many countries and regions in the world are competing to promote the research and development and pilot of legal digital currency, China’s digital yuan (e-CNY) is currently in the stage of expanding the scope of the pilot. Compared with the existing cash payment methods and third-party payment methods, the legal digital currency payment settlement has its unique advantages. The emergence of legal digital currency payment methods will have a profound impact on people’s lives, and will also bring new challenges and opportunities to financial regulatory authorities such as the central bank. This paper will focus on China’s digital RMB, combined with the pilot situation of digital RMB, the advantages of digital RMB payment and settlement function and the difficulties it faces, and give corresponding countermeasures and suggestions.