摘要
聚焦数字人民币在普惠金融领域的应用,通过对数字人民币功能属性的探讨,可知其在减少流通成本、打通信息壁垒、提升农村金融覆盖面、降低金融风险等方面,可以有效助力普惠金融的开展.目前,数字人民币可以实现日常小额消费、小商户收付款、农村收缴费、国外游客消费等应用场景,但仍面临普惠金融服务群体金融认知能力较弱、农村地区数字化基础设施不完善、数字人民币管理人才缺失、数字人民币法律体系不健全、监管制度尚不完善等现实问题.由此,应实施加强数字人民币知识宣传、加强农村通信基础设施建设、健全技术型人才培养体系、构建合理有效的监管体系等一系列改革路径.
Abstract
The purpose of this paper is to study the application of e-CNY in the field of financial inclusion,through the discussion of the functional attributes of e-CNY,it can be seen that it can effectively help the development of financial inclusion by reducing the cost of circulation,breaking through the information barriers,enhancing the coverage of rural finance,reducing financial risks and so on.At present,e-CNY can realize application scenarios such as daily small consumption,small merchant payment collection,rural payment collection,foreign tourists'consumption,etc.However,it still faces practical problems such as weak financial cognitive ability of inclusive financial service groups,imperfect digital infrastructure in rural areas,lack of talents in e-CNY management,incomplete legal system of e-CNY,and imperfect regulatory system.As a result,this paper tries to put forward a series of reform paths,such as strengthening the publicity of e-CNY knowledge,strengthening the construction of rural communic-ation infrastructure,improving the technical talent training system,and constructing a reasonable and effective regulatory system.
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