摘要我国在2014年开始研究央行数字货币，该项目命名为央行数字货币电子支付（DC/EP，又称数字人民币）进行内部测试。随着我国数字经济的快速发展以及交易、管理方式的转变，可预料在未来将对以经营传统货币为主的商业银行产生较为深远的影响，银行的发展运营体系或受到较大的冲击。商业银行是数字人民币的重要分销机构，而数字钱包又是数字人民币的载体和深入用户的媒介，进而研究商业银行推广数字钱包会面临的问题具有重要研究意义。研究立足于我国央行数字货币产生的背景，充分参考前人的理论研究成果，对商业银行造成的影响进行综合分析。研究认为，现阶段推广数字钱包可能会加剧商业银行市场竞争、冲击传统业务、挑战基础金融服务设施、带来双向风险等。通过进一步梳理分析数字钱包的试点情况、运行模式和设计因素，建议商业银行应加大科技投入和技术储备，推进综合业务发展，加强商业银行金融基础设施建设，加快数字化转型，做好数字货币风险管理。做好数字钱包推广带来的挑战，有助于商业银行抓住数字经济的发展浪潮，提高商业银行自身的核心竞争力，转型助力发展数字银行。关键词：数字钱包；商业银行；影响；对策ExploretheproblemsandcountermeasuresofcommercialbankstopromotethedevelopmentofdigitalwalletAbstractChinabegantostudythecentralbank'sdigitalcurrencyin2014,whichwasnamedthecentralbank'sdigitalcurrencyelectronicpayment(DC/EP,alsoknownasdigitalRMB)forinternaltesting.WiththerapiddevelopmentofChina'sdigitalRMBandthetransformationoftransactionandmanagementmethods,itcanbeexpectedthatitwillhaveafar-reachingimpactoncommercialbanksmainlyoperatingtraditionalcurrenciesinthefuture,andthedevelopmentandoperationsystemofbanksmaybegreatlyimpacted.CommercialbanksareanimportantdistributionorganizationofdigitalRMB,anddigitalwalletisthecarrierofdigitalRMBandthemediumofgoingdeepintousers.Therefore,itisofgreatsignificancetostudytheproblemsfacedbycommercialbanksinpromotingdigitalwallet.BasedonthebackgroundoftheemergenceofChina'scentralbankdigitalcurrency,thispapermakesacomprehensiveanalysisoftheimpactofcommercialbankswithfullreferencetotheprevioustheoreticalresearchresults.Thestudybelievesthatthepromotionofdigitalwalletatthisstagemayaggravatethemarketcompetitionofcommercialbanks,impacttraditionalbusinesses,challengebasicfinancialservicefacilities,andbringtwo-wayrisks.Byfurthercombingandanalyzingthepilotsituation,operationmodeanddesignfactorsofdigitalwallet,itissuggestedthatcommercialbanksshouldincreasescientificandtechnologicalinvestmentandtechnologicalreserves,promotecomprehensivebusinessdevelopment,strengthentheconstructionoffinancialinfrastructureofcommercialbanks,acceleratedigitaltransformationanddoagoodjobindigitalcurrencyriskmanagement.Doingagoodjobinthechallengesbroughtbythepromotionofdigitalwalletwillhelpcommercialbanksseizethedevelopmentwaveofdigitalcurrency,improvetheirowncorecompetitiveness,andhelpdevelopdigitalbanksthroughtransformation.KeyWords：Digitalwallet;Commercialbanks;influence;countermeasure目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论............................................................................................................................1（一）研究背景.............................................................................................................1（二）研究目的与意义.......
