摘要
数字人民币是未来支付体系的新趋势。探究发行数字人民币的必要性,分析其对我国现有支付体系的影响,会激发商业银行围绕数字人民币展开新一轮竞争,还会冲击第三方支付在现有支付体系中的占有率。健全数字人民币法律法规、完善数字人民币服务平台、拓展新型业务链接、做好数字人民币推广工作,对推动实体经济与数字经济深度融合、引导我国经济走向数字化升级具有重要意义。
Digital RMB is the new trend of the future payment system.Exploring the necessity of issuing digital RMB and analyzing its impact on our current payment system will stimulate commercial banks to launch a new round of competition around digital RMB,and will also impact the share of third-party payment in the current payment system.It is of great significance to improve the digital RMB laws and regulations,improve the digital RMB service platform,expand new business links,and promote the digital RMB,so as to promote the deep integration of the real economy with the digital economy,and guide the Chinese economy toward digital upgrading.
作者
王劲屹
林佳婷
吴文意
WANG Jin-yi;LIN Jia-ting;WU Wen-yi
出处
《五邑大学学报（社会科学版）》
2023年第1期64-67,86,94,共6页
Journal of Wuyi University(Social Sciences Edition)
基金
2021年广东省社科规划一般项目“法定数字货币对经济与金融秩序的影响效应研究”(批准号:GD21CYJ18)的部分成果。
关键词
数字人民币
支付体系
商业银行
第三方支付
Digital RMB
Payment systems
Commercial banks
Third party payment
