我国央行数字货币现状、问题及对策CurrentSituation,ProblemsandCountermeasuresofChina'sCentralBankDigitalCurrency摘要随着互联网技术和数字经济的迅速发展，人们对于零售支付的便捷性、安全性、普惠性、隐私性等要求越来越高。各国都在积极地研究数字法定货币的形式，而法定数字货币也正在由理论走向实际。为了更好的理解央行数字货币的研究，文章从其概念、发展历程、特点等方面进行了阐述。总结我国央行数字货币在试点地区、应用场景、应用技术模式、参与机构及国际交流合作的现状，发现了我国央行数字货币相关法律法规不完善、央行货币货币流通环境较差、技术配套设施不完善、金融风险加剧等方面的问题，并提出了完善相关法律法规、优化央行数字货币流通环境、加强央行数字货币技术研发力度、防控金融风险等解决措施，以助力共同推动建立面向数字经济时代、通用创新开放的货币服务体系，为中国人民银行数字人民币研发工作贡献自己的一份力量。关键词：央行数字货币；法偿性；风险监测CurrentSituation,ProblemsandCountermeasuresofChina'sCentralBankDigitalCurrencyAbstractWiththerapiddevelopmentofInternettechnologyanddigitaleconomy,peoplehavehigherandhigherrequirementsfortheconvenience,security,inclusivenessandprivacyofretailpayment.Allcountriesareactivelystudyingtheformofdigitallegalcurrency,andlegaldigitalcurrencyisalsomovingfromtheorytopractice.Inordertobetterunderstandtheresearchonthecentralbank'sdigitalcurrency,thearticleexpoundsitsconcept,developmenthistoryandcharacteristics.Summarizingthecurrentsituationofmycountry'scentralbank'sdigitalcurrencyinpilotareas,applicationscenarios,applicationtechnologymodels,participatinginstitutionsandinternationalexchangesandcooperation,itisfoundthattherelevantlawsandregulationsofmycountry'scentralbank'sdigitalcurrencyarenotperfect,thecentralbank'scurrencyandcurrencycirculationenvironmentispoor,andtechnicalsupportingfacilitiesareimperfect.,financialrisksandotherissues,andproposedsolutionssuchasimprovingrelevantlawsandregulations,optimizingthecirculationenvironmentofthecentralbank'sdigitalcurrency,strengtheningtheresearchanddevelopmentofthecentralbank'sdigitalcurrencytechnology,andpreventingandcontrollingfinancialrisks,soastohelpjointlypromotetheestablishmentofadigitaleconomy-orientedera,Auniversal,innovativeandopencurrencyservicesystemthatcontributestotheR&DofthePeople'sBankofChina'sdigitalrenminbi..KeyWords：CentralBankdigitalcurrency；Legalcompensation；Riskmonitoring目录摘要........................................................................................................IAbstract.......................................................................................................II引言.......................................................................................................1（一）研究背景.....................................................................................1（二）研究目的与意义............................................................................1（三）研究思路和研究内容......................................................................2（四）研究方法与拟创新之处...................................................................2一、理论基础与文献综述..............................................................................4（一）数字货币概念及理论......................................................................4（二）国内外研究综述............................................................................4二、我国央行数字货币概述....................
