我国央行数字货币的发行对策研究ResearchonthedevelopmentcountermeasuresofdigitalcurrencyoftheCentralBankofChina摘要货币的发展和形态会随着每次技术的创新而进行改变，货币也由最初的贝壳、金、银等形态转变为如今的数字化形态，云储存、人工智能、大数据和区块链数字技术的发展正在逐步推进货币朝向数字化形态发展。我国央行发行的数字货币具有安全性高、支付清算效率高、币值稳定、发行成本低的优势，与此同时，各国纷纷将目光转向至法定数字货币。因此我国央行发行数字货币对我国的社会经济发展具有跨时代意义，不仅能够推近我国数字化时代的到来，更能够帮助我国在世界经济方面提升话语权。本文首先归纳并总结了央行数字货币的定义及特点，其次提出我国央行数字货币在发行过程中面临的问题和挑战，最后本文针对发现的问题提出了优化解决方案，而且本文详细分析了我国发行数字货币的重要意义和深远影响。关键词：数字货币；央行；货币发行ResearchonthedevelopmentcountermeasuresofdigitalcurrencyoftheCentralBankofChinaAbstractThedevelopmentandformofmoneywillchangewitheachtechnologicalinnovation,andmoneywillalsochangefromtheoriginalshell,gold,silverandotherformstotoday'sdigitalform.Thedevelopmentofcloudstorage,artificialintelligence,bigdataandblockchaindigitaltechnologyisgraduallypromotingthedevelopmentofmoneytowardsdigitalform.ThedigitalcurrencyissuedbytheCentralBankofChinahastheadvantagesofhighsecurity,highefficiencyofpaymentandclearing,stablecurrencyvalueandlowissuingcost.Atthesametime,manycountriesturntheirattentiontolegaldigitalcurrency.Therefore,theissueofdigitalcurrencybytheCentralBankofChinaisofcrosserasignificancetoChina'ssocialandeconomicdevelopment.ItcannotonlypushforwardthearrivalofChina'sdigitalera,butalsohelpChinaimproveitsdiscoursepowerintheworldeconomy.Thispaperfirstsummarizesthedefinitionandcharacteristicsofdigitalcurrencywithoutcentralbank,thenputsforwardtheproblemsandchallengesfacedbythecentralbankintheprocessofissuingdigitalcurrency.Finally,thispaperputsforwardoptimizationsolutionsfortheproblemsfound,andanalyzesindetailthesignificanceandfar-reachingimpactofissuingdigitalcurrencyinChina.KeyWords：Digitalcurrency;Eentralbank;Currencyissuance目录摘要....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、绪论................................................................................................................................2（一）研究背景............................................................................................................2（二）文献综述............................................................................................................2（三）研究方法............................................................................................................3二、数字货币的概念与特性................................................................................................4（一）数字货币的概念................................................................................................41.数字货币以及央行数字货币............................................................................42.数字货币的种类........................
