我国商业银行数字货币业务存在的问题及对策建议ProblemsandcountermeasuresofdigitalcurrencybusinessinChina'scommercialbanks摘要货币是一种特殊的经济产品，随着经济的发展、科技的进步和市场需求的变化，它的形式也在渐渐发生变化，形态从实物到金属铸币再到纸币。随着数字经济飞速发展，网络技术、信息技术与各行各业的携手发展作用不断增强，新兴技术如区块链、大数据等与金融业的融合发展日益紧密，虚拟货币和数字货币显露头角。如今，数字货币也开始闯入大众的视线中，在新的数字经济时期，信息技术的发展与使用可以有效地适应人民群众对货币的特殊需要。在经济活动中，商业银行的作用是不可或缺的，它具有创造信用、中介和支付中介的功能。我国央行的数字货币在商业银行业务的拓展中肩负着重要的责任。因此，我国商业银行必须要牢牢抓住这一机遇，进行战略规划，加快转型的步伐，谋求新的发展机遇。文章以“数字货币”为切入点，对我国商业银行业务的改革进行了探索。本文运用文献分析、案例分析等方法，论述了目前我国商业银行数字货币业务的现状，指出了商业银行数字货币业务存在着“挤兑”、“转型”、“客户隐私保护隐患”、“支付结算体系”和“盈利模式”等问题及其成因；进而提出了相对合理化建议。文章丰富了我国商业银行数字货币业务的相关研究，对“数字货币”背景下商业银行数字货币业务的发展提供了参考价值。关键词：商业银行；数字货币业务；数字化转型：风险管理ProblemsandcountermeasuresofdigitalcurrencybusinessinChina'scommercialbanksAbstractMoneyisaspecialeconomicproduct.Withthedevelopmentofeconomy,theprogressofscienceandtechnologyandthechangeofmarketdemand,itsformisgraduallychanging,fromphysicalobjectstometalcoinsandthentopapermoney.Withtherapiddevelopmentofdigitaleconomy,theroleofnetworktechnology,informationtechnologyandallwalksoflifeareincreasinglyenhanced.Emergingtechnologies,suchasblockchainandbigdata,areincreasinglyintegratedwiththefinancialindustry,andvirtualcurrencyanddigitalcurrencyareemerging.Nowadays,digitalcurrencyhasalsobeguntobreakintothepublic'ssight.Inthenewdigitaleconomyperiod,thedevelopmentanduseofinformationtechnologycaneffectivelyadapttothespecialneedsofthepeopleformoney.Ineconomicactivities,theroleofcommercialbanksisindispensable,ithasthefunctionofcreatingcredit,intermediaryandpaymentintermediary.CentralbankdigitalcurrencyplaysanimportantroleinthedevelopmentofChina'scommercialbanks.Therefore,China'scommercialbanksmustfirmlyseizethisopportunity,carryoutstrategicplanning,acceleratethepaceoftransformation,andseeknewdevelopmentopportunities.Thispapertakes"digitalcurrency"asthebreakthroughpointtoexplorethereformofChina'scommercialbankingbusiness.Usingliteratureanalysis,caseanalysisandothermethods,thispaperdiscussesthecurrentsituationofdigitalcurrencybusinessofcommercialbanksinChina,andpointsoutthatthereare"run","transformation","hiddendangersofcustomerprivacyprotection","paymentandsettlementsystem","profitmodel"andotherproblemsindigitalcurrencybusinessofcommercialbanksandtheircauses.Thenputforwardtherelativerationalizationproposal.ThisthesisenrichestheresearchondigitalcurrencybusinessofcommercialbanksinChina,andprovidesreferencevalueforthedevelopmentofdigitalcurrencybusinessofcommercialbanksunderthebackgroundof"digitalcurrency".Keywords:CommercialBank;DigitalCurrencyBusiness;DigitalTransformation;RiskManagement目录摘要....................................................................................................................................IAbstract..................................................................................
