The development and application of digital RMB is a powerful lever to help China unleash economic vitality and build a digital China.In the pilot work of the digital RMB,it has been widely applied in areas such as transportation,shopping consumption,and cross-border settlement,and has also been innovatively applied in the field of digital trade supply chain finance,generating a significant driving force for the internationalization of the RMB.The authors analyze the influencing factors of the development and application of digital RMB from three levels:the wholesale end,the merchant end,and the user side,and explores its positive effects and potential risks.The research finds that the main factors affecting the development of the digital RMB are the acceptance by audiences,technical issues related to payment barriers,and financial regulatory mechanisms.In the application of digital RMB,there are risks related to information,circulation,market,and legal aspects.Therefore,it is necessary to effectively promote the application of the digital RMB from the perspectives of top-level design,deepening international cooperation,and improving regulatory systems,to help China achieve its strategic goal of becoming a financial powerhouse.
Digital CurrencyLegal digital currencyCentral bank digital currencyDigital RMBDevelopment and application
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