数字人民币发展现状与居民满意度实证分析——以杭州市为例

An Empirical Analysis of e-CNY Development Status and Residents’ Satisfaction—Taking Hangzhou as an Example

摘要: 目前数字人民币研发试验工作基本完成，已选择部分地区开展试点测试工作。杭州作为试点城市之一，有巨大的发展潜力和前景。但目前杭州数字人民币推广进程正处于初级阶段，面临诸多挑战。因此，本研究以杭州居民为调查对象进行调研，通过列联分析、因子分析等方法探究杭州数字人民币发展现状及居民满意度。调查发现，在数字人民币层面，发展现状总体趋势良好，使用场景仍需逐步拓展；在居民满意度层面，政府在统筹发展数字人民币自身特性和外部条件时，更需满足居民需求。

Abstract: At present, the research and development test of e-CNY is basically completed, and some areas have been selected to carry out pilot test work. Hangzhou, as one of the pilot cities, has enormous devel-opment potential and prospects. However, at present, the process of promoting e-CNY in Hangzhou is in the primary stage and faces many challenges. Therefore, this study takes Hangzhou residents as the survey object for research, and explores the current status of e-CNY development and resi-dents’ satisfaction in Hangzhou by means of column analysis and factor analysis. The survey finds that at the level of e-CNY, the overall trend of development is good, but the use of the scene still needs to be gradually expanded; at the level of residents’ satisfaction, the government needs to meet the needs of the residents while integrating the development of the characteristics of e-CNY itself and external conditions.