Opinion: After the central bank's digital currency is issued, it can improve the efficiency of currency operation monitoring and enrich monetary policy means

8月13日,经济学者、建行大学金融科技大数据研修院高级经济师孙兆东发文《央行数字人民币欲出,比特币天秤币要凉?》,文章表示,可以预见的是,数字人民币时代即将到来,数字人民币是基于国家信用、由央行发行的法定数字货币,将会产生很大的积极影响。对商业银行及其他金融机构来讲,其既是机遇又是挑战,未来将基于数字货币衍生出更多的数字信贷、数字资产和数字负责等创新,而非主权“数字权货币”也会逐渐降温。此外,央行数字货币发行后能提升对货币运行监控的效率,丰富货币政策手段。发行央行法定数字货币,将使货币创造、计账、流动等数据实时采集成为可能,并在数据脱敏以后,通过大数据等技术手段进行深入分析,为货币的投放、货币政策的制定与实施提供有益的参考,并为经济调控提供有益的手段。与此同时,央行数字货币还能够在反洗钱、反恐融资方面提供帮助。总之,中国人民银行推出数字货币,无论是对国内还是对国际,都是一场重大的货币体系变革。(新京报)
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