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中国央行行长:人民币数字货币发行没有时间表

2020-5-26 17:27

 

预计中国将成为首批发行央行数字货币(CBDC)的主要经济体之一。但中国人民银行行长易纲在一次罕见的采访中表示,目前还没有发行数字人民币的时间表,甚至表示可能不会发行。


在此之前,最近泄露的数字人民币钱包测试CBDC的截图和一份国有报纸上的一篇文章提供了更多细节。尽管行长发表了上述言论,但检测工作仍在加紧进行。一份官方报纸甚至刊登了一篇针对普通大众的漫画解说。


易纲行长在两会期间接受了《金融时报》和《中国金融》记者的采访。两会是中国人民代表大会召开的年度会议。以下是易行长有关数字人民币的采访摘录:

记者:中国央行很早就开始研究法定数字货币,并且已经在一些城市进行了内部封闭试点测试。发行法定数字货币的重大意义是什么?目前测试工作进展如何?预计何时能够正式发行?

 

易纲:当前,数字经济是全球经济增长日益重要的驱动力。法定数字货币的研发和应用,有利于高效地满足公众在数字经济条件下对法定货币的需求,提高零售支付的便捷性、安全性和防伪水平,助推我国数字经济加快发展。

 

人民银行较早开始法定数字货币的研究工作。2014年,成立专门团队,开始对数字货币发行框架、关键技术、发行流通环境及相关国际经验等问题进行专项研究。2017年末,经批准,人民银行组织部分实力雄厚的商业银行和有关机构共同开展数字人民币体系(DC/EP)的研发。DC/EP在坚持双层运营、现金(M0)替代、可控匿名的前提下,基本完成了顶层设计、标准制定、功能研发、联调测试等工作。

 

目前,数字人民币研发工作遵循稳步、安全、可控、创新、实用原则,先行在深圳、苏州、雄安、成都及未来的冬奥会场景进行内部封闭试点测试,以检验理论可靠性、系统稳定性、功能可用性、流程便捷性、场景适用性和风险可控性。

 

但目前的试点测试,还只是研发过程中的常规性工作,并不意味数字人民币正式落地发行,何时正式推出尚没有时间表。

 

China is expected to be one of the first major economies to issue a central bank digital currency (CBDC). But the Governor of the People’s Bank of China, Yi Gang, in a rare interview said that there is no timetable for the release of the digital yuan and even stated there is a possibility it may not be issued.

This follows the recently leaked digital yuan wallet screenshots from testing the CBDC and an article in a state newspaper that provided more details. Despite the Governor’s comments, testing has ramped up. A state newspaper even ran a cartoon based explainer targeted at the general population.

Governor Gang was talking to reporters from the Financial Times and China Finance as part of the Two Sessions, the annual conferences where China’s parliament convenes. Below is the digital renminbi excerpt from Governor Gang (using Google Translate):

“At present, the digital economy is an increasingly important driving force for global economic growth. The development and application of legal digital currency is conducive to efficiently satisfying the public’s demand for legal currency under the conditions of the digital economy, improving the convenience, security and anti-counterfeiting level of retail payments, and accelerating China’s digital economy development.”

“The People’s Bank of China started research on legal digital currency earlier. In 2014, a special team was set up to start special research on issues such as digital currency issuance framework, key technologies, issuance and circulation environment, and relevant international experience. At the end of 2017, with the approval, the People’s Bank of China organized some strong commercial banks and relevant institutions to jointly develop the research and development of the digital RMB system (DC / EP). DC / EP has basically completed the top-level design, standard formulation, function development, joint debugging test, etc. under the premise of double-layer operation, cash (M0) substitution, and controllable anonymity.”

“At present, the digital RMB research and development work follows the principles of stability, safety, controllability, innovation, and practicality. First, internal closed pilot tests are conducted in Shenzhen, Suzhou, Xiong’an, Chengdu, and future Winter Olympics scenarios to verify theoretical reliability and system stability. Performance, function availability, process convenience, scenario applicability, and risk controllability.”

“However, the current pilot test is still a routine work in the research and development process, and does not mean that the digital RMB will be officially issued. There is no timetable for when it will be officially launched.”

 

来自: Ledger Insights