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class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/kVMgvN3ZtcE_mNinVeFP1QxIBCHGTvhYUewEUQsBSD19g1Tv3RRbRg3mnXkFK-nsfrJieGlDfwgAi2Bg07hWtJq8yW950Rgy9tbZGoBuz_Xgg3B8t4VOst63LOD0spRJ3A\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h--1\">\u6bd4\u7279\u5e63\u5982\u4f55\u89e3\u6c7a\u50b3\u7d71\u91d1\u878d\u9047\u5230\u7684\u554f\u984c\uff1f<\/h2>\n\n\n\n<p>\u6bd4\u7279\u5e63\u7684\u51fa\u73fe\uff0c\u53ef\u8aaa\u662f\u63d0\u4f9b\u4e86\u4e00\u500b\u85cd\u5716\uff0c\u8a66\u5716\u89e3\u6c7a\u73fe\u6709\u8ca8\u5e63\u9ad4\u7cfb\u7531\u4e0a\uff08\u4e2d\u592e\u9280\u884c\uff09\u5230\u4e0b\uff08\u5546\u696d\u9280\u884c\u8207\u6d88\u8cbb\u8005\uff09\u9ad4\u5236\u4e2d\u9762\u81e8\u7684\u4e0d\u6548\u7387\u554f\u984c\u3002\u5b83\u4e5f\u662f\u5206\u6563\u5f0f\u5e33\u672c\u6280\u8853\u7684\u96db\u578b\uff0c\u6bd4\u7279\u5e63\u628a\u5340\u584a\u93c8\u6280\u8853\u904b\u7528\u5230\u652f\u4ed8\u8207\u8a18\u5e33\u7cfb\u7d71\u4e0a\uff0c\u89e3\u6c7a\u4e86\u50b3\u7d71\u8ca8\u5e63\u9ad4\u7cfb\u7684\u4ee5\u4e0b\u554f\u984c\uff1a<\/p>\n\n\n\n<ul><li>\u532f\u6b3e\u7d50\u7b97\u624b\u7e8c\u904e\u65bc\u5197\u9577<\/li><li>\u7cfb\u7d71\u8cc7\u6599\u5c0d\u5927\u773e\u4e0d\u5920\u900f\u660e<\/li><li>\u9ad8\u6602\u4e14\u6c92\u6709\u5fc5\u8981\u7684\u624b\u7e8c\u8cbb<\/li><li>\u904e\u5ea6\u4ef0\u8cf4\u65bc\u55ae\u4e00\u7cfb\u7d71\u904b\u4f5c\uff0c\u82e5\u7cfb\u7d71\u88ab\u6210\u529f\u5165\u4fb5\u640d\u5931\u5c07\u6703\u975e\u5e38\u5de8\u5927<\/li><li>\u5c0d\u500b\u4eba\u8cc7\u6599\u7684\u4fdd\u8b77\uff0c\u9632\u6b62\u500b\u8cc7\u906d\u5c11\u6578\u4f01\u696d\u58df\u65b7<\/li><\/ul>\n\n\n\n<p>\u4ee5\u4e0a\u5e7e\u9ede\uff0c\u5c07\u5340\u584a\u93c8\u6280\u8853\u5957\u7528\u5230\u652f\u4ed8\u7cfb\u7d71\u4e0a\u9762\u5f8c\u554f\u984c\u7686\u8fce\u5203\u800c\u89e3\u3002\u6bd4\u7279\u5e63\u7684\u7d93\u6fdf\u6a21\u578b\u4e26\u4e0d\u4ef0\u8cf4\u67d0\u4e00\u6a5f\u69cb\u6216\u662f\u5718\u9ad4\u5c0d\u65bc\u8ca8\u5e63\u7684\u58df\u65b7\uff0c\u800c\u662f\u900f\u904e\u6f14\u7b97\u6cd5\u5f62\u6210\u5171\u8b58\uff0c\u5229\u7528\u5bc6\u78bc\u5b78\u4f86\u5efa\u69cb\u4e00\u5957\u65b0\u7684\u4fe1\u4efb\u7cfb\u7d71\u3002\u5728\u5b8c\u5168\u53bb\u4e2d\u5fc3\u5316\u7684\u7d93\u6fdf\u6a21\u578b\u88e1\uff0c\u6240\u6709\u7d93\u6fdf\u500b\u9ad4\u5728\u9ad4\u7cfb\u88e1\u7686\u70ba\u5e73\u7b49\uff0c\u6253\u7834\u4e86\u50b3\u7d71\u91d1\u878d\u9ad4\u7cfb\u7684\u91d1\u5b57\u5854\u7d50\u69cb\u3002<\/p>\n\n\n\n<p>\u7136\u800c\u6bd4\u7279\u5e63\u4e5f\u5e36\u4f86\u4e86\u4e00\u4e9b\u986f\u800c\u6613\u898b\u7684\u7f3a\u9ede\u8207\u98a8\u96aa\uff1a<\/p>\n\n\n\n<ul><li>\u50f9\u503c\u4e0d\u7a69\u5b9a\uff0c\u6ce2\u52d5\u5e45\u5ea6\u5927<\/li><li>\u7f3a\u4e4f\u91d1\u878d\u76e3\u7ba1<\/li><li>\u533f\u540d\u7cfb\u7d71\u4f7f\u6bd4\u7279\u5e63\u5bb9\u6613\u6210\u70ba\u91d1\u878d\u72af\u7f6a\u8207\u8a50\u9a19\u7684\u5de5\u5177<\/li><li>\u7576\u8d85\u904e\u534a\u6578\u7926\u5de5\u79c1\u4e0b\u52fe\u7d50\u5c07\u7834\u58de\u6574\u500b\u7d93\u6fdf\u6a21\u578b\uff0c\u5c46\u6642\u7926\u5de5\u5c07\u53ef\u4ee5\u58df\u65b7\u6574\u500b\u5e02\u5834<\/li><\/ul>\n\n\n\n<p>\u6bcf\u4e00\u500b\u7f3a\u9ede\u5c0d\u65bc\u91d1\u878d\u9ad4\u7cfb\u800c\u8a00\u90fd\u662f\u81f4\u547d\u7684\uff0c\u518d\u5f37\u5927\u7684\u7d93\u6fdf\u9ad4\u90fd\u627f\u64d4\u4e0d\u8d77\u3002\u5982\u679c\u6211\u5011\u60f3\u5c07\u6bd4\u7279\u5e63\u7684\u512a\u52e2\u771f\u6b63\u61c9\u7528\u5230\u65e5\u5e38\u4f7f\u7528\u7684\u8ca8\u5e63\u88e1\uff0c\u4e00\u500b\u4ee3\u50f9\u6700\u5c0f\u7684\u65b9\u5f0f\u4fbf\u662f\u5c07\u6bd4\u7279\u5e63\u7368\u7279\u7684\u7d93\u6fdf\u6a21\u578b\u52a0\u4ee5\u4fee\u6539\uff0c\u4e26\u8207\u73fe\u6709\u7684\u9ad4\u7cfb\u878d\u5408\uff0c\u53d6\u5176\u6240\u9577\u4e26\u622a\u5176\u6240\u77ed\uff0c\u800c\u9019\u5c31\u50ac\u751f\u4e86CBDC\u7684\u60f3\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">CBDC\u89e3\u6c7a\u50b3\u7d71\u91d1\u878d\u53ca\u6bd4\u7279\u5e63\u4e4b\u9593\u7684\u56f0\u5883<\/h2>\n\n\n\n<p>CBDC\u5373\u592e\u884c\u6240\u767c\u884c\u7684\u6578\u4f4d\u8ca8\u5e63\uff0c\u8a66\u5716\u900f\u904e\u5f15\u5165\u4e00\u4e9b\u53bb\u4e2d\u5fc3\u5316\u7684\u6982\u5ff5\u4f86\u89e3\u6c7a\u4e2d\u5fc3\u5316\u7684\u554f\u984c\uff0c\u900f\u904e\u5f15\u5165\u4e2d\u5fc3\u5316\u7684\u6982\u5ff5\u4f86\u6539\u5584\u53bb\u4e2d\u5fc3\u5316\u7684\u7f3a\u9ede\u3002CBDC\u7684\u63d0\u6848\u5f88\u591a\uff0c\u6bcf\u500b\u570b\u5bb6\u7684\u592e\u884c\u6216\u662f\u76f8\u95dc\u7684\u7814\u7a76\u6a5f\u69cb\u90fd\u5c0dCBDC\u6709\u8457\u4e0d\u4e00\u6a23\u7684\u60f3\u6cd5\uff0c\u6bcf\u500b\u7d93\u6fdf\u9ad4\u5c0dCBDC\u7684\u671f\u8a31\u4e5f\u4e0d\u76e1\u76f8\u540c\u3002\u6211\u5011\u53ef\u4ee5\u628a\u91d1\u878d\u9ad4\u7cfb\u60f3\u6210\u662f\u4e00\u500b\u5149\u8b5c\uff0c\u6bd4\u7279\u5e63\u3001\u4ee5\u592a\u574a\u7b49\u52a0\u5bc6\u8ca8\u5e63\u5728\u5de6\u7aef\uff0c\u50b3\u7d71\u7684\u91d1\u878d\u9ad4\u7cfb\u5728\u53f3\u7aef\uff0c\u800c\u5404\u500bCBDC\u7684\u63d0\u6848\uff0c\u8207\u5176\u4ed6\u5404\u5f0f\u5404\u6a23\u7684\u52a0\u5bc6\u8ca8\u5e63\u4e00\u6a23\uff0c\u6563\u843d\u5728\u5149\u8b5c\u7684\u4e0d\u540c\u5730\u65b9\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/Hv1ecwJMwBqQp07YcuVOXzoFj_QvA-NnpeEAEeRuj2zMyQk_xq3vIIuQ31xFDdeMkjG3dSe5iRV_WcwVC4KW7plWtQSuUPzOLfR4FCBo83rGSe7ECm-ZGrx0eXVDQh5FPQ\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" 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start=\"2\"><li><strong>\u666e\u60e0\u91d1\u878d\u7684\u624b\u6bb5<\/strong><\/li><\/ol>\n\n\n\n<p>\u5728\u4e00\u4e9b\u4e2d\u5357\u7f8e\u6d32\u8207\u975e\u6d32\u7684\u958b\u767c\u4e2d\u570b\u5bb6\uff0c\u9280\u884c\u5e33\u6236\u8207\u91d1\u878d\u670d\u52d9\u4e26\u4e0d\u666e\u53ca\u3002\u9019\u4e9b\u570b\u5bb6\u7684\u57fa\u790e\u5efa\u8a2d\u76f8\u5c0d\u4e0d\u8db3\uff0c\u4ea4\u6613\u4ecd\u820a\u4ee5\u73fe\u91d1\u70ba\u4e3b\u3002\u7136\u800c\uff0c\u8ddd\u96e2\u6216\u662f\u5730\u5f62\u7684\u963b\u7919\u537b\u4f7f\u73fe\u91d1\u652f\u4ed8\u6709\u5f88\u5927\u7684\u4fb7\u9650\u3002\u9019\u4e9b\u570b\u5bb6\u7684\u4e2d\u592e\u9280\u884c\u5e0c\u671b\u6578\u4f4d\u8ca8\u5e63\u7684\u767c\u884c\u80fd\u8b93\u6c92\u6709\u9280\u884c\u5e33\u6236\u7684\u4eba\u6709\u7ba1\u9053\u63a5\u89f8\u5404\u9805\u91d1\u878d\u670d\u52d9\uff0c\u964d\u4f4e\u4ea4\u6613\u6210\u672c\uff0c\u540c\u6642\u4e5f\u4f7f\u653f\u5e9c\u66f4\u5bb9\u6613\u8ab2\u5fb5\u7a05\u6536\u3002<\/p>\n\n\n\n<ol 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start=\"4\"><li><strong>\u4fbf\u6377\u6027\u8207\u6210\u672c\u6548\u7387<\/strong><\/li><\/ol>\n\n\n\n<p>\u9019\u985e\u570b\u5bb6\u672c\u8eab\u5df2\u7d93\u5177\u6709\u76f8\u5c0d\u5b8c\u5584\u4e14\u5065\u5168\u7684\u8ca8\u5e63\u9ad4\u7cfb\uff0cCBDC\u7684\u767c\u884c\u5c0d\u4ed6\u5011\u800c\u8a00\u4e26\u4e0d\u6025\u8feb\u3002\u5c0d\u9019\u4e9b\u570b\u5bb6\u800c\u8a00\uff0cCBDC\u7684\u8a98\u56e0\u5728\u65bc\u652f\u4ed8\u7cfb\u7d71\u7684\u4fbf\u6377\u6027\u8207\u5927\u5e45\u6e1b\u5c11\u7684\u8de8\u5883\u652f\u4ed8\u6210\u672c\u3002CBDC\u5728\u9019\u4e9b\u5730\u5340\u53ea\u4ee5\u7814\u7a76\u548c\u5c0f\u898f\u6a21\u8a66\u9a57\u70ba\u4e3b\uff0c\u5c1a\u672a\u6709\u5927\u898f\u6a21\u767c\u884c\u7684\u8a08\u756b\u3002<\/p>\n\n\n\n<ol start=\"5\"><li><strong>\u9762\u5c0d\u52a0\u5bc6\u8ca8\u5e63\u7684\u6311\u6230<\/strong><\/li><\/ol>\n\n\n\n<p>\u8fd1\u5e74\u4f86\u5e02\u5834\u5df2\u7d93\u6709\u8d85\u904e\u5343\u7a2e\u52a0\u5bc6\u8ca8\u5e63\u6d41\u901a\u3002\u5c24\u5176\u5982USDT\u7b49\u7a69\u5b9a\u5e63\u7684\u51fa\u73fe\u6f38\u6f38\u5a01\u8105\u5230\u4e86\u6cd5\u5e63\u7684\u5730\u4f4d\u3002\u4ee5\u5be6\u9ad4\u7d93\u6fdf\u7684\u89d2\u5ea6\u4f86\u770b\uff0c\u7528\u4f86\u4ea4\u6613\u52a0\u5bc6\u8ca8\u5e63\u7684\u9322\u5c31\u50cf\u662f\u5f9e\u7d93\u6fdf\u9ad4\u9003\u9038\u51fa\u53bb\u4e00\u822c\uff0c\u56e0\u70ba\u5b83\u5011\u4e26\u6c92\u6709\u88ab\u62ff\u4f86\u5f9e\u4e8b\u8cc7\u672c\u6295\u8cc7\u6216\u751f\u7522\u884c\u70ba\u3002\u60f3\u50cf\u4e00\u4e0b\u4f60\u548c\u53e6\u5916\u4e09\u500b\u670b\u53cb\u6253\u9ebb\u5c07\uff0c\u62ff\u4f86\u505a\u70ba\u8ced\u6ce8\u7684\u9322\u6d41\u4f86\u6d41\u53bb\u4ecd\u820a\u5728\u4f60\u5011\u56db\u4eba\u7684\u624b\u88e1\uff0c\u5c0d\u65bc\u6574\u9ad4\u751f\u7522\u884c\u70ba\u4e26\u6c92\u6709\u5e6b\u52a9\u3002\u5e63\u5708\u5c31\u5982\u540c\u4e00\u500b\u8d85\u5927\u578b\u9ebb\u5c07\u684c\uff0c\u5c0d\u65bc\u5be6\u9ad4\u7d93\u6fdf\u800c\u8a00\u5c31\u5f77\u5f7f\u5e7e\u767e\u842c\u4eba\u90fd\u5c07\u91d1\u9322\u9396\u5728\u4fdd\u96aa\u7bb1\u88e1\u3002\u9019\u5c0d\u7d93\u6fdf\u6210\u9577\u548c\u8cc7\u672c\u7d2f\u7a4d\u662f\u4e0d\u5229\u7684\uff0c\u4e5f\u4f7f\u8ca8\u5e63\u653f\u7b56\u66f4\u96e3\u900f\u904e\u5546\u696d\u9280\u884c\u50b3\u905e\u7d66\u6d88\u8cbb\u8005\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cbdc-3\"><strong>CBDC\u7684\u7a2e\u985e\u8207\u7528\u9014<\/strong><\/h2>\n\n\n\n<p>\u66fe\u7d93\u6709\u5169\u4f4d\u5b78\u8005\uff08Bech and Garatt, 2017\uff09\u70ba\u4ee5\u56db\u500b\u6027\u8cea\u70ba\u8ca8\u5e63\u505a\u5206\u985e\uff1a\u662f\u5426\u70ba\u592e\u884c\u767c\u884c\u3001\u662f\u5426\u70ba\u96fb\u5b50\u5f62\u5f0f\u3001\u662f\u5426\u5ee3\u6cdb\u666e\u53ca\u3001\u662f\u5426\u70ba\u9ede\u5230\u9ede\u652f\u4ed8\u3002\u4ee5\u4e0a\u56db\u9ede\u554f\u984c\u7684\u8996\u89ba\u5316\u63cf\u8ff0\u5c31\u662f\u7a31\u4e4b\u70baMoney Flower\u7684\u6587\u6c0f\u5716\u3002\u5f88\u660e\u986fCBDC\u662f\u592e\u884c\u767c\u884c\uff0c\u4e5f\u662f\u96fb\u5b50\u5f62\u5f0f\uff0c\u5176\u6240\u4f7f\u7528\u7684\u6280\u8853\u4e5f\u5c07\u6703\u662f\u9ede\u5230\u9ede\u7684\u652f\u4ed8\u6f14\u7b97\u6cd5\u3002\u56e0\u6b64\uff0c\u4ee5\u662f\u5426\u5ee3\u6cdb\u666e\u53ca\uff08\u662f\u5426\u6240\u6709\u6d88\u8cbb\u8005\u90fd\u80fd\u4f7f\u7528\uff09\u7684\u554f\u984c\u51fa\u767c\uff0cCBDC\u80fd\u5206\u70ba\u96f6\u552e\u578b\u8207\u6279\u767c\u578b\u5169\u7a2e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/3HDX1ePeBsDw9JKjKoS9B-NCS_PYxSWcf2Bkc_mbZ0fbUeKCer_jCTXvGP6zuAOLPyn3Ptt4hHseC6V2kLqPnmQymJ5DwQsLBChRbxw9ZNkqV9AVLiXUkNq4Hr1BQhMfvg\" alt=\"\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">\u96f6\u552e\u578b\u7684CBDC<\/h4>\n\n\n\n<p>\u9762\u5411\u5ee3\u6cdb\u7684\u6d88\u8cbb\u8005\u7fa4\u773e\u3002\u5728\u4e00\u570b\u7684\u5883\u5167\u6240\u6709\u4ea4\u6613\u90fd\u6703\u88ab\u8a18\u9304\u5728\u96fb\u5b50\u5e33\u672c\u4e0a\u3002\u9019\u7a2eCBDC\u53ef\u4ee5\u5f88\u8f15\u6613\u5730\u89e3\u6c7a\u90e8\u5206\u4ea4\u6613\u7cfe\u7d1b\uff0c\u4e5f\u5f88\u76f4\u63a5\u7684\u5be6\u73fe\u666e\u60e0\u91d1\u878d\u7684\u76ee\u7684\u3002\u7136\u800c\uff0c\u5c07\u6240\u6709\u4ea4\u6613\u6c38\u4e45\u8a18\u9304\u5c07\u53ef\u80fd\u4fb5\u72af\u6c11\u773e\u96b1\u79c1\uff0c\u592e\u884c\u76f4\u63a5\u7565\u904e\u91d1\u878d\u6a5f\u69cb\u9762\u5c0d\u6d88\u8cbb\u8005\u7684\u9ad4\u7cfb\u8b8a\u52d5\u5c0d\u7d93\u6fdf\u9ad4\u800c\u8a00\u4e5f\u662f\u4e00\u628a\u96d9\u9762\u5203\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u6279\u767c\u578b\u7684CBDC<\/h4>\n\n\n\n<p>\u4e0d\u76f4\u63a5\u9762\u5411\u6d88\u8cbb\u8005\uff0c\u800c\u662f\u9762\u5411\u91d1\u878d\u6a5f\u69cb\u3002\u6279\u767c\u578bCBDC\u7684\u51fa\u73fe\u5c07\u4e0d\u6703\u5c0d\u6d88\u8cbb\u8005\u7684\u751f\u6d3b\u7522\u751f\u76f4\u63a5\u5f71\u97ff\u3002\u5b83\u6700\u4e3b\u8981\u662f\u70ba\u4e86\u66ff\u4ee3\u73fe\u884c\u7684\u8de8\u884c\u8f49\u5e33\u8207\u7d50\u7b97\u7cfb\u7d71\uff0c\u4f7f\u5e33\u672c\u7d00\u9304\u66f4\u5373\u6642\u3001\u66f4\u53ef\u9760\u4e14\u66f4\u4f4e\u6210\u672c\u3002\u9019\u76f8\u5c0d\u96f6\u552e\u578b\u800c\u8a00\u53ea\u662f\u5fae\u5c0f\u7684\u9ad4\u7cfb\u8b8a\u52d5\uff0c\u56e0\u6b64\u5c0d\u7d93\u6fdf\u9ad4\u4e0d\u6703\u9020\u6210\u592a\u5927\u8ca0\u9762\u5f71\u97ff\u3002\u7136\u800c\uff0c\u6279\u767c\u578bCBDC\u4e5f\u98fd\u53d7\u8cea\u7591\uff1a\u662f\u5426\u503c\u5f97\u70ba\u4e86\u9019\u4e00\u9ede\u512a\u52e2\u800c\u5927\u5f35\u65d7\u9f13\u5730\u66f4\u6539\u4e00\u570b\u7684\u8de8\u884c\u4ea4\u6613\u7d50\u7b97\u7cfb\u7d71\uff1f<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u5982\u679c\u660e\u5929\u65e9\u4e0a\u9192\u4f86\uff0c\u767c\u73fe\u81ea\u5df1\u7684\u65b0\u53f0\u5e63\u5168\u90e8\u8b8a\u6210\u96fb\u5b50\u5f62\u5f0f\uff0c\u90a3\u6703\u662f\u600e\u9ebc\u6a23\u7684\u5149\u666f\uff1f\u4ee5\u4e0b\u5217\u8209\u5e7e\u500bCBDC\u7684\u51fa\u73fe\u53ef\u80fd\u6703\u5c0d\u7d93\u6fdf\u9ad4\u5e36\u4f86\u7684\u5f71\u97ff\u3002<\/p><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cbdc\">CBDC<strong>\u5c0d\u592e\u884c\u7684\u5f71\u97ff<\/strong><\/h2>\n\n\n\n<p>\u6beb\u7121\u7591\u554f\uff0c\u767c\u884cCBDC\u53ef\u4ee5\u8b93\u592e\u884c\u5c0d\u91d1\u878d\u9ad4\u7cfb\u7684\u638c\u63a7\u529b\u4e0a\u5347\u3002\u592e\u884c\u53ef\u4ee5\u6c7a\u5b9a\u6301\u6709CBDC\u662f\u5426\u6709\u5229\u606f\u3002\u5982\u679c\u6301\u6709CBDC\u53ef\u4ee5\u62ff\u5230\u5229\u606f\u7684\u8a71\uff0c\u9019\u500b\u5229\u606f\u5c07\u6703\u662f\u8ca8\u5e63\u5e02\u5834\u91d1\u878d\u5546\u54c1\u5229\u606f\u7684\u7d55\u5c0d\u4e0b\u9650\u3002\u53e6\u5916\uff0c\u900f\u904eCBDC\u5229\u606f\u7684\u8abf\u63a7\uff0c\u592e\u884c\u53ef\u4ee5\u66f4\u76f4\u63a5\u7684\u50b3\u905e\u8ca8\u5e63\u653f\u7b56\uff0c\u751a\u81f3\u53ef\u4ee5\u89e3\u6c7a\u9577\u671f\u4ee5\u4f86\u8ca8\u5e63\u653f\u7b56\u9047\u5230\u7684\u969c\u7919\uff08\u5982\u5229\u7387\u96f6\u4e0b\u9650\u554f\u984c\uff09\u3002\u7576\u7d93\u6fdf\u5371\u6a5f\u8972\u4f86\u6642\uff0c\u592e\u884c\u5c07\u53ef\u4ee5\u4ee5\u6700\u5feb\u7684\u901f\u5ea6\u523a\u6fc0\u5fa9\u7526\u3002\u7136\u800c\uff0c\u7576\u592e\u884c\u4ee5CBDC\u53d6\u5f97\u66f4\u591a\u63a7\u5236\u6b0a\u6642\uff0c\u5c31\u610f\u5473\u8457\u8ca8\u5e63\u653f\u7b56\u6703\u6709\u66f4\u591a\u653f\u6cbb\u64cd\u4f5c\u7684\u7a7a\u9593\u3002\u5728\u6b64\u540c\u6642\uff0c\u592e\u884c\u5fc5\u9808\u958b\u767c\u9322\u5305\u8edf\u9ad4\u3001\u9032\u884c\u6280\u8853\u76e3\u7763\u8207\u7dad\u8b77\u3001\u53cd\u6d17\u9322\u8207\u878d\u8cc7\u6050\u6016\u884c\u52d5\uff0c\u53ef\u8b02\u662f\u589e\u52a0\u4e86\u4e0d\u5c11\u8cac\u4efb\uff0c\u4e5f\u4f7f\u592e\u884c\u7684\u8072\u8b7d\u66f4\u96e3\u7dad\u6301\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h--3\"><strong>\u5c0d\u9280\u884c\u7522\u696d\u7684\u5f71\u97ff<\/strong><\/h2>\n\n\n\n<p>\u6c92\u6709\u5b8c\u5584\u898f\u5283\u7684\u96f6\u552e\u578bCBDC\u5c0d\u50b3\u7d71\u9280\u884c\u800c\u8a00\u53ef\u80fd\u662f\u4e00\u5834\u707d\u96e3\u3002\u5728\u9ede\u5c0d\u9ede\u652f\u4ed8\u7cfb\u7d71\u4e2d\uff0c\u50b3\u7d71\u9280\u884c\u662f\u4e0d\u9700\u8981\uff0c\u61c9\u7576\u88ab\u6dd8\u6c70\u7684\u7522\u696d\u3002\u9019\u6a23\u7684\u904e\u7a0b\u88ab\u7a31\u70ba\u91d1\u878d\u6a5f\u69cb\u7684\u53bb\u4e2d\u4ecb\u5316\u3002\u5728\u52a0\u5bc6\u8ca8\u5e63\u7684\u7d93\u6fdf\u6a21\u578b\u4e2d\uff0c\u91d1\u878d\u884c\u70ba\u662f\u7531\u9ede\u5230\u9ede\u9032\u884c\u7684\uff0c\u4e0d\u9700\u8981\u4e2d\u4ecb\u7684\u5b58\u5728\uff0c\u6216\u662f\u53ea\u9700\u8981\u667a\u80fd\u5408\u7d04\u5c31\u80fd\u53d6\u4ee3\u91d1\u878d\u4e2d\u4ecb\u7684\u529f\u80fd\u3002\u8a66\u60f3\u5982\u679c\u9280\u884c\u5b58\u6b3e\u5e7e\u4e4e\u6c92\u6709\u5229\u606f\uff0c\u800c\u5c07\u8ca1\u5bcc\u4ee5CBDC\u7684\u65b9\u5f0f\u4fdd\u5b58\u5e7e\u4e4e\u4e0d\u5b58\u5728\u98a8\u96aa\uff0c\u4f60\u6703\u9078\u64c7\u7e7c\u7e8c\u5c07\u9322\u5b58\u5728\u9280\u884c\u55ce\uff1f\u76f8\u4fe1\u5927\u591a\u6578\u4eba\u662f\u4e0d\u6703\u7684\uff0c\u4e5f\u56e0\u6b64\u5728CBDC\u63a8\u51fa\u7684\u904e\u6e21\u671f\u4e2d\uff0c\u9280\u884c\u5f88\u5bb9\u6613\u9762\u5c0d\u64e0\u514c\u7684\u98a8\u96aa\u3002\u56e0\u6b64\uff0c\u82e5\u653f\u5e9c\u6a5f\u95dc\u6c92\u6709\u505a\u597d\u76f8\u95dc\u914d\u5957\uff0c\u64e0\u514c\u4e5f\u53ef\u80fd\u70ba\u91d1\u878d\u9ad4\u7cfb\u5e36\u4f86\u707d\u96e3\u6027\u7684\u5f8c\u679c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cbdc-4\"><strong>\u5404\u570b\u7684CBDC<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h--4\"><strong>\u4e2d\u570b<\/strong><\/h4>\n\n\n\n<p>\u4e2d\u570b\u5728\u767c\u884cCBDC\u4e0a\u975e\u5e38\u7a4d\u6975\uff0c\u4eba\u6c11\u9280\u884c\u5e0c\u671b\u80fd\u900f\u904eCBDC\u675c\u7d55\u5e02\u5834\u4e0a\u6c3e\u6feb\u7684\u507d\u9214\u554f\u984c\uff0c\u4e5f\u5e0c\u671bCBDC\u80fd\u5920\u907f\u514d\u5fae\u4fe1\u3001\u652f\u4ed8\u5bf6\u7b49\u7b2c\u4e09\u65b9\u652f\u4ed8\u5c0d\u91d1\u878d\u9ad4\u7cfb\u7684\u58df\u65b7\u3002\u5c0d\u4eba\u6c11\u9280\u884c\u800c\u8a00\uff0cCBDC\u7684\u767c\u884c\u4e5f\u6709\u5f37\u70c8\u7684\u653f\u6cbb\u76ee\u7684\uff0c\u671f\u8a31\u6578\u4f4d\u4eba\u6c11\u5e63\u80fd\u5728\u672a\u4f86\u6311\u6230\u7f8e\u5143\u7684\u570b\u969b\u6e05\u7b97\u8ca8\u5e63\u5730\u4f4d\u3002\u4eba\u6c11\u9280\u884c\u66fe\u57282015\u5e74\u63a8\u52d5\u904e\u300c\u4eba\u6c11\u5e63\u8de8\u5883\u652f\u4ed8\u7cfb\u7d71\u300d\uff0c\u4f46\u5176\u6210\u6548\u4e0d\u5f70\uff0c\u7121\u6cd5\u64bc\u52d5\u7f8e\u5143\u5730\u4f4d\u3002\u5728\u96f6\u552eCBDC\u90e8\u5206\uff0c2019\u5e74\u8d77\u4eba\u6c11\u9280\u884c\u9678\u9678\u7e8c\u7e8c\u63a8\u52d5\u6578\u4f4d\u4eba\u6c11\u5e63\u7684\u8a66\u9ede\uff0c\u63a1\u7528\u96d9\u5c64\u71df\u904b\u6a21\u5f0f\uff1a\u592e\u884c\u4e0d\u76f4\u63a5\u767c\u884cCBDC\uff0c\u800c\u662f\u6388\u6b0a\u5546\u696d\u9280\u884c\u5f9e\u4e8bCBDC\u514c\u63db\u696d\u52d9\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h--5\"><strong>\u7f8e\u570b<\/strong><\/h4>\n\n\n\n<p>\u806f\u6e96\u6703\u5728\u591a\u5e74\u4ee5\u524d\u5c31\u5df2\u7d93\u958b\u59cb\u4e86\u5c0dCBDC\u7684\u8a0e\u8ad6\uff0c\u4f46\u4e00\u76f4\u4fdd\u6301\u4e2d\u7acb\u614b\u5ea6\u3002\u7f8e\u5143\u5728\u570b\u969b\u9593\u61c9\u7528\u7684\u65e2\u6709\u60c5\u5f62\u4f7f\u5f97\u63a8\u884c\u6578\u4f4d\u7f8e\u5143\u4e26\u4e0d\u6025\u8feb\u3002\u806f\u6e96\u6703\u5728\u4eca\u5e74\uff082022\uff09\u7684\u5831\u544a\u4e2d\u660e\u78ba\u8868\u660e\u4e86\u767c\u884c\u6578\u4f4d\u7f8e\u5143\u7684\u689d\u4ef6\uff1a<\/p>\n\n\n\n<ul><li>\u5c0d\u7d93\u6fdf\u7684\u6548\u76ca\u9ad8\u904e\u5e36\u4f86\u7684\u98a8\u96aa<\/li><li>\u61c9\u8a72\u5d4c\u5165\u73fe\u6709\u91d1\u878d\u9ad4\u7cfb\uff0c\u800c\u4e0d\u662f\u53d6\u4ee3\u5b83<\/li><li>\u4fdd\u969c\u4f7f\u7528\u8005\u96b1\u79c1<\/li><li>\u6709\u9632\u6b62\u91d1\u878d\u72af\u7f6a\u7684\u63aa\u65bd<\/li><li>\u5f97\u5230\u91d1\u878d\u696d\u5ee3\u6cdb\u652f\u6301<\/li><\/ul>\n\n\n\n<p>\u7531\u4ee5\u4e0a\u689d\u4ef6\u53ef\u898b\u806f\u6e96\u6703\u5c0d\u65bcCBDC\u7684\u614b\u5ea6\u8f03\u70ba\u4fdd\u5b88\uff0c\u6578\u4f4d\u7f8e\u5143\u5c07\u6703\u843d\u5728\u8ca8\u5e63\u5149\u8b5c\u504f\u53f3\u7684\u5730\u65b9\u3002\u806f\u6e96\u6703\u4e5f\u689d\u5217\u4e86\u6578\u4f4d\u7f8e\u5143\u5e36\u4f86\u7684\u98a8\u96aa\uff1a<\/p>\n\n\n\n<ul><li>\u5c0d\u91d1\u878d\u9ad4\u7cfb\u9020\u6210\u7684\u885d\u64ca<\/li><li>\u5c0d\u5229\u7387\u7684\u63a7\u5236\u964d\u4f4e<\/li><li>\u96b1\u79c1\u8207\u91d1\u878d\u72af\u7f6a\u554f\u984c<\/li><li>\u91dd\u5c0d\u76f8\u95dc\u57fa\u790e\u5efa\u8a2d\u7684\u653b\u64ca<\/li><\/ul>\n\n\n\n<p>\u9019\u4e9b\u554f\u984c\u6709\u4e9b\u53ef\u85c9\u7531CBDC\u7684\u8a2d\u8a08\u7de9\u89e3\uff0c\u6709\u4e9b\u537b\u4ef0\u8cf4\u73fe\u6709\u91d1\u878d\u9ad4\u7cfb\u8207CBDC\u7684\u653f\u7b56\u642d\u914d\u3002\u806f\u6e96\u6703\u5728\u8fd1\u5e74\u5df2\u7d93\u63a8\u51fa\u4e86\u5141\u8a31\u9280\u884c\u9593\u5be6\u6642\u7d50\u7b97\u7684FedNow\u7cfb\u7d71\uff0c\u5176\u529f\u80fd\u985e\u4f3c\u6279\u767c\u578bCBDC\u3002\u5c31\u76ee\u524d\u800c\u8a00\uff0c\u7f8e\u5143\u4f5c\u70ba\u570b\u969b\u6e05\u7b97\u8ca8\u5e63\u7684\u5730\u4f4d\u4ecd\u672a\u53d7\u5230\u5a01\u8105\uff0c\u56e0\u6b64\u806f\u6e96\u6703\u5c0d\u6578\u4f4d\u7f8e\u5143\u4ecd\u820a\u6301\u89c0\u671b\u614b\u5ea6\uff0c\u5c0d\u767c\u884c\u6578\u4f4d\u7f8e\u5143\u6301\u8f03\u6d88\u6975\u7684\u770b\u6cd5\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h--6\"><strong>\u6b50\u5143\u5340<\/strong><\/h4>\n\n\n\n<p>\u5750\u843d\u65bc\u5fb7\u570b\u6cd5\u862d\u514b\u798f\u7684\u6b50\u6d32\u4e2d\u592e\u9280\u884c\u70ba\u767c\u884c\u6b50\u5143\u7684\u6700\u9ad8\u6a5f\u69cb\uff0c\u6210\u54e1\u7531\u6b50\u5143\u5340\u5404\u4e2d\u592e\u9280\u884c\u7d44\u6210\u3002\u5728COVID-19\u75ab\u60c5\u671f\u9593\uff0c\u6b50\u5143\u5340\u5167\u73fe\u91d1\u652f\u4ed8\u7684\u6bd4\u4f8b\u6025\u907d\u4e0b\u964d\uff0c\u4e5f\u4f7f\u6b50\u6d32\u4e2d\u592e\u9280\u884c\u8a8d\u77e5\u4e86\u7814\u7a76CBDC\u7684\u91cd\u8981\u6027\uff0c\u4e26\u958b\u5c55\u4e86\u70ba\u671f\u5169\u5e74\u7684\u8abf\u67e5\uff0c\u8207\u6d88\u8cbb\u8005\u3001\u6b50\u6d32\u8b70\u6703\u3001\u91d1\u878d\u7522\u696d\u6e9d\u901a\uff0c\u4e26\u5728\u8abf\u67e5\u7d50\u675f\u5f8c\u6c7a\u5b9a\u662f\u5426\u7e7c\u7e8c\u63a8\u884cCBDC\u4ee5\u53ca\u5176\u53ef\u80fd\u7684\u7d93\u6fdf\u6a21\u578b\u3002<\/p>\n\n\n\n<p>\u5728\u6b50\u6d32\u4e2d\u592e\u9280\u884c\u4ee5\u5916\uff0c\u6b50\u5143\u5340\u4e0d\u540c\u7684\u592e\u884c\u4e5f\u5404\u81ea\u7814\u7a76\u8457CBDC\u7684\u53ef\u884c\u6027\u3002\u6cd5\u570b\u592e\u884c\u8207HSBC\u548cIBM\u5408\u4f5c\uff0c\u5df2\u5728\u53bb\u5e74\uff082021\uff09\u5e74\u5e95\u5b8c\u6210\u6279\u767c\u578bCBDC\u7684\u6e2c\u8a66\u3002\u5728\u6e2c\u8a66\u4e2d\uff0c\u6cd5\u570b\u592e\u884c\u5728\u5340\u584a\u93c8\u4e0a\u767c\u884c\u4e86\u4f7f\u7528CBDC\u7d50\u7b97\u570b\u50b5\uff0c\u4e26\u9a57\u8b49\u4e86\u591a\u500b\u8cc7\u7522\u5728\u7684\u8de8\u5e73\u53f0\u4ea4\u6613\u8207\u7d50\u7b97\u3002\u5fb7\u570b\u592e\u884c\u4e5f\u5728\u53bb\u5e743\u6708\u9032\u884c\u904e\u985e\u4f3c\u8a66\u9a57\uff0c\u8207\u6578\u5bb6\u5927\u578b\u5546\u696d\u9280\u884c\u5408\u4f5c\u6a21\u64ec\u5fb7\u570b\u570b\u50b5\u5728\u5206\u6563\u5f0f\u5e33\u672c\u4e0a\u7684\u767c\u884c\u8207\u4ea4\u6613\u60c5\u5f62\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h--7\"><strong>\u5df4\u54c8\u99ac<\/strong><\/h4>\n\n\n\n<p>\u5df4\u54c8\u99ac\u5728CBDC\u7684\u8a0e\u8ad6\u4e4b\u6240\u4ee5\u91cd\u8981\uff0c\u662f\u56e0\u70ba\u5b83\u662f\u4e16\u754c\u4e0a\u9996\u6ce2\u5ee3\u6cdb\u767c\u884c\u96f6\u552e\u578bCBDC\u7684\u570b\u5bb6\u4e4b\u4e00\u3002\u5df4\u54c8\u99ac\u5728\u53bb\u5e74\u6b63\u5f0f\u767c\u884cCBDC\u6c99\u9322\uff08Sand 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class=\"wp-block-separator\"\/>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-references\"><strong>References<\/strong><\/h5>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/fed-paper-on-central-bank-digital-currency-cbdc-5216571\">https:\/\/www.investopedia.com\/fed-paper-on-central-bank-digital-currency-cbdc-5216571<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/qz.com\/2116627\/why-the-fed-doesnt-need-a-cbdc-right-now\/\">https:\/\/qz.com\/2116627\/why-the-fed-doesnt-need-a-cbdc-right-now\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.finextra.com\/the-long-read\/320\/cbdcs-heres-what-every-central-bank-in-the-world-is-working-on\">https:\/\/www.finextra.com\/the-long-read\/320\/cbdcs-heres-what-every-central-bank-in-the-world-is-working-on<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/ctee.com.tw\/news\/global\/539660.html\">https:\/\/ctee.com.tw\/news\/global\/539660.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.banque-france.fr\/en\/communique-de-presse\/banque-de-france-has-successfully-completed-first-tranche-its-experimentation-programme-central-bank\">https:\/\/www.banque-france.fr\/en\/communique-de-presse\/banque-de-france-has-successfully-completed-first-tranche-its-experimentation-programme-central-bank<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/udn.com\/news\/story\/7239\/5280459\">https:\/\/udn.com\/news\/story\/7239\/5280459<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/finance.technews.tw\/2022\/01\/20\/digital-currency-battle\/\">https:\/\/finance.technews.tw\/2022\/01\/20\/digital-currency-battle\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.ithome.com.tw\/news\/140614\">https:\/\/www.ithome.com.tw\/news\/140614<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/ssrn.com\/abstract=3041906\">https:\/\/ssrn.com\/abstract=3041906<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.cbc.gov.tw\/tw\/dl-21458-487452b0251c4efca15ff6e06ddcb50b.html\">https:\/\/www.cbc.gov.tw\/tw\/dl-21458-487452b0251c4efca15ff6e06ddcb50b.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.actuaries.org.uk\/system\/files\/field\/document\/Understanding%20CBDCs%20Final%20-%20disc.pdf\">https:\/\/www.actuaries.org.uk\/system\/files\/field\/document\/Understanding%20CBDCs%20Final%20-%20disc.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u592e\u884c\u6578\u4f4d\u8ca8\u5e63\u662f\u4ec0\u9ebc\uff1f\u6bd4\u7279\u5e63\u7684\u672a\u4f86\u6703\u8b8a\u6210\u9019\u6a23\u55ce\uff1f\u73fe\u6709\u7684\u8ca8\u5e63\u9ad4\u7cfb\u3001\u50b3\u7d71\u91d1\u878d\u9762\u81e8\u5230\u6548\u7387\u4e0d\u5f70\u7684\u554f\u984c\uff0c\u7136\u800c\u6bd4\u7279\u5e63\u51fa\u73fe\uff0c\u89e3\u6c7a\u4e86\u8a31\u591a\u6cd5\u5e63\u7684\u554f\u984c\uff0c\u4f46\u540c\u6642\u4e5f\u5275\u9020\u4e86\u884d\u751f\u7684\u6d17\u9322\u3001\u8cc7\u5b89\u554f\u984c\uff01\u5169\u8005\u4e4b\u9593\u7684\u5e73\u8861\u65b9\u5f0f\u70ba\u4f55\uff1fCBDC\u6703\u662f\u672a\u4f86\u55ce\uff1f<\/p>","protected":false},"author":8,"featured_media":1961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[33,80],"tags":[177,178,53],"yoast_head":"<!-- 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