{"id":11660,"date":"2022-12-15T17:42:02","date_gmt":"2022-12-15T17:42:02","guid":{"rendered":"https:\/\/pakgon.com\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/"},"modified":"2022-12-23T15:06:34","modified_gmt":"2022-12-23T15:06:34","slug":"%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0","status":"publish","type":"post","link":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/","title":{"rendered":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230"},"content":{"rendered":"\n

\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

\u9867\u540d\u601d\u7fa9\uff0c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63 (CBDC) \u662f\u7531\u570b\u5bb6\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u5f62\u5f0f\uff0c\u4f46\u9019\u500b\u540d\u7a31\u53ef\u80fd\u6703\u8b93\u4eba\u8aa4\u5165\u6b67\u9014\uff0c\u56e0\u70ba\u5118\u7ba1 CBDC \u5177\u6709\u96fb\u5b50\u5f62\u5f0f\uff0c\u4f46\u5b83\u5011\u8207\u66f4\u5ee3\u70ba\u4eba\u77e5\u7684\u6578\u5b57\u8cc7\u7522\u6709\u4e9b\u4e0d\u540c \u4f8b\u5982\u52a0\u5bc6\u8ca8\u5e63\u548c\u7a69\u5b9a\u5e63\uff0c\u800c CBDC \u5be6\u969b\u4e0a\u8207\u6578\u5b57\u5316\u7248\u672c\u7684\u786c\u5e63\u548c\u7d19\u5e63\u4e26\u6c92\u6709\u4ec0\u9ebc\u4e0d\u540c\uff0c\u5b83\u5011\u70ba\u65e5\u5e38\u751f\u6d3b\u7684\u8eca\u8f2a\u63d0\u4f9b\u6f64\u6ed1\u5291\u3002 \u8a31\u591a\u4e2d\u592e\u9280\u884c\u73fe\u5728\u5e0c\u671b CBDC \u80fd\u5920\u70ba\u6578\u5b57\u6d88\u8cbb\u8005\u7684\u9700\u6c42\u63d0\u4f9b\u5168\u9762\u7684\u89e3\u6c7a\u65b9\u6848\uff0c\u56e0\u70ba\u5b83\u5011\u7684\u4f7f\u7528\u5c07\u907f\u958b\u5c07\u5be6\u7269\u73fe\u91d1\u8f49\u63db\u70ba\u6578\u5b57\u7b49\u50f9\u7269\u7684\u8981\u6c42\u3002 \u5c0d\u65bc\u4e2d\u592e\u9280\u884c\u800c\u8a00\uff0cCBDC \u9084\u5177\u6709\u64f4\u5927\u4e2d\u592e\u9280\u884c\u8207\u666e\u901a\u6c11\u773e\u4e4b\u9593\u63a5\u89f8\u9ede\u4ee5\u53ca\u964d\u4f4e\u8207\u5411\u7d93\u6fdf\u63d0\u4f9b\u8ca8\u5e63\u76f8\u95dc\u7684\u6210\u672c\u7684\u512a\u52e2\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

CBDC \u53ef\u4ee5\u6839\u64da\u5404\u7a2e\u6a19\u51c6\u9032\u884c\u5206\u985e\uff0c\u5305\u62ec\u5b83\u5011\u4fc3\u9032\u7684\u4ea4\u6613\u985e\u578b\u3001\u79c1\u71df\u90e8\u9580\u53c3\u8207\u7ba1\u7406\u6216\u4f7f\u7528 CBDC \u7684\u7a0b\u5ea6\u3001\u5b83\u5011\u662f\u5426\u652f\u4ed8\u5229\u606f\uff0c\u4ee5\u53ca\u5b83\u5011\u5efa\u7acb\u6216\u5efa\u7acb\u7684\u6280\u8853\u57fa\u790e \u5728\u4f7f\u7528\u7684\u6bcf\u500b\u968e\u6bb5\u90e8\u7f72\u3002 \u95dc\u65bc\u5b83\u5011\u6240\u91dd\u5c0d\u7684\u4ea4\u6613\u985e\u578b\uff0cCBDC \u53ef\u4ee5\u5206\u70ba\u6279\u767c CBDC \u548c\u96f6\u552e CBDC\uff0c\u6279\u767c CBDC \u7528\u65bc\u4e2d\u592e\u9280\u884c\u548c\u5546\u696d\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u7684\u4ea4\u6613\uff0c\u96f6\u552e CBDC \u53ef\u4ee5\u7528\u65bc\u767c\u751f\u5728\u4e2d\u592e\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u7684\u5c0f\u898f\u6a21\u4ea4\u6613\u3002 \uff0c\u4e00\u65b9\u9762\u662f\u4e2d\u592e\u9280\u884c\u6216\u91d1\u878d\u670d\u52d9\u63d0\u4f9b\u5546\uff0c\u53e6\u4e00\u65b9\u9762\u662f\u500b\u4eba\u6d88\u8cbb\u8005\u3002<\/p>\n\n

\u81ea 2017 \u5e74\u4ee5\u4f86\uff0cCBDC \u4e00\u76f4\u5728\u767c\u5c55\u4e2d\uff0c\u76ee\u524d\uff0c\u5df4\u54c8\u99ac\u3001\u5c3c\u65e5\u5229\u4e9e\u3001\u7259\u8cb7\u52a0\u548c\u52a0\u52d2\u6bd4\u5730\u5340\u7684\u5176\u4ed6\u4e00\u4e9b\u570b\u5bb6\u90fd\u5df2\u6b63\u5f0f\u63a8\u51fa\u81ea\u5df1\u7684 CBDC\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u9019\u6a23\u505a\u662f\u70ba\u4e86\u89e3\u6c7a\u570b\u5167\u91d1\u878d\u4ea4\u6613\u8655\u7406\u6548\u7387\u4f4e\u4e0b\u7684\u554f\u984c\uff0c\u4e26\u514b\u670d\u5728\u9019\u4e9b\u570b\u5bb6\u4ecd\u7136\u53c3\u5dee\u4e0d\u9f4a\u548c\u4e0d\u5b8c\u6574\u7684\u91d1\u878d\u670d\u52d9\u7372\u53d6\u554f\u984c\u3002 \u9664\u4e86\u9019\u4e00\u7d44\u4e4b\u5916\uff0c\u9084\u6709\u66f4\u591a\u570b\u5bb6\u6b63\u5728\u958b\u767c\u81ea\u5df1\u7684 CBDC\uff0c\u5118\u7ba1\u9019\u65b9\u9762\u7684\u9032\u5c55\u81ea\u7136\u56e0\u570b\u5bb6\u800c\u7570\u3002 \u5728\u4e16\u754c\u7bc4\u570d\u5167\uff0c\u91d1\u878d\u7576\u5c40\u88ab CBDC \u6240\u5438\u5f15\uff0c\u56e0\u70ba\u5b83\u5011\u80fd\u5920\u63d0\u9ad8\u5b8c\u6210\u6578\u5b57\u91d1\u878d\u4ea4\u6613\u7684\u901f\u5ea6\u548c\u6548\u7387\uff0c\u7121\u8ad6\u662f\u5728\u570b\u5167\u5e02\u5834\u9084\u662f\u570b\u969b\u5e02\u5834\uff0c\u5118\u7ba1\u5b83\u5011\u7684\u4f7f\u7528\u4e5f\u53ef\u80fd\u64f4\u5c55\u5230\u65b0\u7684\u9818\u57df\uff0c\u5982\u91d1\u878d \u5275\u65b0\u9032\u6b65\u3002 \u7136\u800c\uff0c\u4ea4\u901a\u4e26\u975e\u90fd\u662f\u55ae\u5411\u7684\uff0c\u5384\u74dc\u591a\u723e\u548c\u585e\u5167\u52a0\u723e\u7b49\u7b2c\u4e00\u6279 CBDC \u5148\u9a45\u6d6a\u6f6e\u4e2d\u7684\u570b\u5bb6\u8fc5\u901f\u653e\u68c4\u4e86\u5c0d\u9019\u4e00\u9818\u57df\u7684\u6d89\u8db3\u3002<\/p>\n\n

\u5728 Krungsri Research \u770b\u4f86\uff0c\u7531\u65bc CBDC \u65e2\u7531\u4e2d\u592e\u9280\u884c\u767c\u884c\uff0c\u53c8\u53d7\u76ca\u65bc\u6578\u5b57\u8ca8\u5e63\u7684\u6240\u6709\u512a\u52e2\uff0c\u5176\u4f7f\u7528\u5c07\u986f\u8457\u63d0\u9ad8\u6578\u5b57\u7a7a\u9593\u5167\u5b8c\u6210\u91d1\u878d\u4ea4\u6613\u7684\u6613\u7528\u6027\u3001\u4fbf\u5229\u6027\u548c\u6548\u7387\uff0c\u5177\u6709\u6f5b\u529b \u5c0d\u793e\u6703\u5177\u6709\u91cd\u8981\u50f9\u503c\u3002 \u9019\u5c07\u70ba CBDC \u7684\u767c\u5c55\u63d0\u4f9b\u52d5\u529b\uff0c\u4e5f\u5c07\u958b\u653e\u91d1\u878d\u6280\u8853\u7684\u7372\u53d6\u9014\u5f91\uff0c\u9019\u5c07\u4fc3\u9032\u91d1\u878d\u5275\u65b0\u7684\u64f4\u5f35\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u7a4d\u6975\u7684\u524d\u666f\u9700\u8981\u8207\u5c0d\u6f5b\u5728\u9677\u9631\u7684\u8a8d\u8b58\u76f8\u5e73\u8861\uff0c\u5305\u62ec\u9700\u8981\u4f7f CBDC \u5728\u96e2\u7dda\u74b0\u5883\u4e2d\u5de5\u4f5c\uff0c\u56e0\u70ba\u4e00\u4e9b\u7528\u6236\u53ef\u80fd\u7121\u6cd5\u8a2a\u554f\u4e92\u806f\u7db2\uff0c\u4e26\u4e14\u8fc4\u4eca\u70ba\u6b62\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u7121\u6cd5\u6216\u4e0d\u9858\u4f7f\u7528\u79fb\u52d5\u6216\u7db2\u4e0a\u9280\u884c . \u6b64\u5916\uff0cCBDC \u7684\u767c\u5c55\u9084\u9700\u8981\u8003\u616e\u5176\u672a\u4f86\u5728\u865b\u64ec\u4e16\u754c\u4e2d\u7684\u6f5b\u5728\u7528\u9014\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

\u5168\u7403\u5316\u6642\u4ee3\u7684\u7279\u9ede\u662f\u4e0d\u65b7\u8b8a\u5316\u548c\u4e0d\u78ba\u5b9a\u6027\uff0c\u4f46\u901a\u904e\u9019\u7a2e\u65b9\u5f0f\uff0c\u4eba\u985e\u5c0b\u627e\u500b\u4eba\u6539\u5584\u6a5f\u6703\u7684\u57fa\u672c\u885d\u52d5\u4e00\u76f4\u5b58\u5728\u3002 \u5728\u6295\u8cc7\u9818\u57df\uff0c\u6280\u8853\u81ea\u8eab\u4e5f\u767c\u63ee\u4e86\u8d8a\u4f86\u8d8a\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u4e0d\u65b7\u63a8\u9032\u6280\u8853\u908a\u754c\u5df2\u7d93\u7522\u751f\u4e86\u5de8\u5927\u7684\u65b0\u50f9\u503c\u4f86\u6e90\u3002 \u56e0\u6b64\uff0c\u6295\u8cc7\u65bc\u52a0\u5bc6\u8ca8\u5e63[1] \u548c\u5176\u4ed6\u985e\u578b\u7684\u6578\u5b57\u8cc7\u7522\u5f15\u8d77\u4e86\u5ee3\u6cdb\u8208\u8da3\uff0c\u5176\u7d50\u679c\u4e4b\u4e00\u662f\u4eba\u5011\u72c2\u71b1\u5730\u731c\u6e2c\uff0c\u9019\u4e9b\u8cc7\u7522\u5728\u672a\u4f86\u6709\u53ef\u80fd\u53d6\u4ee3\u6cd5\u5b9a\u8ca8\u5e63\u6216\u96fb\u5b50\u8ca8\u5e63[2] \u4f5c\u70ba\u4e2d\u8ef8 \u91d1\u878d\u4ea4\u6613\u570d\u7e5e\u54ea\u500b\u9032\u884c\u3002 \u6b64\u5916\uff0c\u5927\u6578\u64da\u5206\u6790\u548c\u5340\u584a\u934a\u7b49\u9818\u57df\u7684\u6280\u8853\u9032\u6b65\u5177\u6709\u4f7f\u91d1\u878d\u4ea4\u6613\u812b\u5a92\u7684\u6f5b\u529b\uff0c\u5f9e\u800c\u53d6\u4ee3\u50b3\u7d71\u91d1\u878d\u6a5f\u69cb\u5728\u7d93\u6fdf\u4e2d\u7684\u6838\u5fc3\u4f5c\u7528\u3002<\/p>\n\n

\u9019\u4e9b\u767c\u5c55\u7684\u5feb\u901f\u6b65\u4f10\u610f\u5473\u8457\u5728\u516c\u5171\u548c\u79c1\u71df\u90e8\u9580\u4e2d\uff0c\u6578\u5b57\u91d1\u878d\u7a7a\u9593\u5728\u91d1\u878d\u4e16\u754c\u4e2d\u767c\u63ee\u8457\u7a69\u6b65\u589e\u9577\u7684\u4f5c\u7528\u3002 \u4f5c\u70ba\u56de\u61c9\uff0c\u8a31\u591a\u570b\u5bb6\u7684\u4e2d\u592e\u9280\u884c\u548c\u5546\u696d\u9280\u884c\u5df2\u7d93\u52a0\u7dca\u7814\u7a76\u5982\u4f55\u5229\u7528\u5340\u584a\u934a\u7b49\u6280\u8853\u4f86\u63d0\u9ad8\u91d1\u878d\u7cfb\u7d71\u7684\u6548\u7387\u3002 \u4f5c\u70ba\u9019\u4e00\u61c9\u5c0d\u63aa\u65bd\u7684\u4e00\u90e8\u5206\uff0c\u5728\u4e2d\u592e\u9280\u884c\u66f4\u53d7\u9650\u5236\u7684\u5340\u57df\u5167\uff0c\u4e00\u4e9b\u570b\u5bb6\u4e5f\u958b\u59cb\u5617\u8a66\u5b98\u65b9\u4f7f\u7528\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff08CBDC\uff09\u3002<\/p>\n\n

\u7576\u524d\u91d1\u878d\u9ad4\u7cfb\u7684\u5275\u65b0\u6d6a\u6f6e\uff0c\u7279\u5225\u662f\u4e2d\u592e\u9280\u884c\u5c0d CBDC \u65e5\u76ca\u589e\u9577\u7684\u8208\u8da3\uff0c\u5c0e\u81f4\u793e\u6703\u7684\u8a31\u591a\u90e8\u5206\uff0c\u5305\u62ec\u9280\u884c\u3001\u5176\u4ed6\u985e\u578b\u7684\u91d1\u878d\u6a5f\u69cb\uff0c\u751a\u81f3\u516c\u773e\uff0c\u90fd\u5728\u8a62\u554f\u6211\u5011\u53ef\u4ee5\u505a\u51fa\u54ea\u4e9b\u6539\u8b8a \u5982\u679c CBDC \u6210\u70ba\u73fe\u5be6\uff0c\u6211\u5011\u671f\u671b\u5728\u652f\u4ed8\u7cfb\u7d71\u3001\u5546\u696d\u4ea4\u6613\u4ee5\u53ca\u6211\u5011\u7684\u65e5\u5e38\u751f\u6d3b\u4e2d\u770b\u5230\u3002<\/p>\n\n

CBDC \u7684\u6982\u8ff0\u548c\u7c21\u53f2 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\u6216 CBDC \u662f\u7531\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\uff0c\u56e0\u6b64\u5c31\u6cf0\u570b\u800c\u8a00\uff0c\u6cf0\u570b CBDC \u5c07\u7531\u6cf0\u570b\u9280\u884c\u767c\u884c\u3002 \u5b8c\u6574\u7684 CBDC \u5728\u767c\u884c\u570b\u5177\u6709\u4f5c\u70ba\u5b98\u65b9\u8ca8\u5e63\u7684\u6cd5\u5f8b\u5730\u4f4d\uff0c\u56e0\u6b64\u5b83\u5011\u53ef\u7528\u65bc\u652f\u4ed8\u5546\u54c1\u548c\u670d\u52d9\uff0c\u5c31\u50cf\u786c\u5e63\u548c\u7d19\u5e63\u5df2\u5728\u5168\u7403\u4f7f\u7528\u6578\u767e\u5e74\u4e00\u6a23\u3002 \u7136\u800c\uff0c\u5728 CBDC \u6b63\u5f0f\u63a8\u51fa\u4e4b\u524d\uff0c\u767c\u884c\u570b\u4e2d\u592e\u9280\u884c\u5c07\u9700\u8981\u52aa\u529b\u5efa\u7acb\u5c0d\u8a72\u8ca8\u5e63\u7684\u4fe1\u5fc3\uff0c\u4f5c\u70ba\u6b64\u904e\u7a0b\u7684\u4e00\u90e8\u5206\uff0cCBDC \u7684\u50f9\u503c\u5c07\u8207\u66f4\u719f\u6089\u7684\u672c\u570b\u8ca8\u5e63\u639b\u9264\u3002 \u9019\u5c07\u6709\u52a9\u65bc\u78ba\u4fdd CBDC \u80fd\u5920\u4ee5\u56fa\u5b9a\u532f\u7387\u514c\u63db\u6210\u6b63\u5e38\u7684\u975e\u6578\u5b57\u8ca8\u5e63\u54c1\u7a2e\uff0c\u9019\u5c07\u978f\u56fa\u4eba\u5011\u5c0d\u8a72\u8ca8\u5e63\u6578\u5b57\u7248\u672c\u7684\u4fe1\u5fc3\u3002<\/p>\n\n

\u6b64\u5916\uff0c\u7531\u65bc CBDC \u7684\u50f9\u503c\u61c9\u6070\u597d\u7b49\u65bc\u672c\u570b\u8ca8\u5e63\u7684\u50f9\u503c\uff0c\u56e0\u6b64\u4e00\u7a2e\u8ca8\u5e63\u76f8\u5c0d\u65bc\u53e6\u4e00\u7a2e\u8ca8\u5e63\u7684\u50f9\u503c\u4e0d\u6703\u51fa\u73fe\u6ce2\u52d5\uff0c\u9019\u8207\u52a0\u5bc6\u8ca8\u5e63\u548c\u5176\u4ed6\u985e\u578b\u7684\u8ca8\u5e63\u7d93\u5e38\u51fa\u73fe\u7684\u5287\u70c8\u6ce2\u52d5\u4e0d\u540c\u3002 \u6578\u5b57\u8cc7\u7522\u3002 \u9019\u662f\u56e0\u70ba CBDC \u7684\u5275\u5efa\u65e8\u5728\u70ba\u6d88\u8cbb\u8005\u63d0\u4f9b\u6613\u7528\u6027\uff0c\u800c\u4e0d\u662f\u4f5c\u70ba\u6295\u8cc7\u5de5\u5177\u6216\u6295\u6a5f\u5229\u6f64\u7684\u4f86\u6e90\u3002<\/p>\n\n

\u5f9e\u8868\u9762\u4e0a\u770b\uff0c\u9032\u884c\u57fa\u65bc CBDC \u7684\u652f\u4ed8\u53ef\u80fd\u770b\u8d77\u4f86\u8207\u4f7f\u7528\u666e\u901a\u5546\u696d\u9280\u884c\u7684\u79fb\u52d5\u9280\u884c\u61c9\u7528\u7a0b\u5e8f\u6c92\u6709\u5340\u5225\uff0c\u552f\u4e00\u986f\u8457\u7684\u5340\u5225\u53ef\u80fd\u4f3c\u4e4e\u662f\u4e00\u500b\u6d89\u53ca\u4e2d\u592e\u9280\u884c\uff0c\u53e6\u4e00\u500b\u6d89\u53ca\u5546\u696d\u9280\u884c . \u7136\u800c\uff0c\u7528\u65bc\u4fc3\u9032\u9019\u5169\u7a2e\u4ea4\u6613\u7684\u8ca8\u5e63\u662f\u6839\u672c\u4e0d\u540c\u7684\uff0c\u56e0\u70ba\u5118\u7ba1\u901a\u904e\u79fb\u52d5\u6216\u7db2\u4e0a\u9280\u884c\u670d\u52d9\u9032\u884c\u652f\u4ed8\u662f\u5b8c\u5168\u6578\u5b57\u5316\u7684\uff0c\u4f46\u5b83\u4ecd\u7136\u4ee5\u8207\u5546\u696d\u8857\u5546\u5e97\u4e2d\u4f7f\u7528\u7684\u7d19\u5e63\u548c\u786c\u5e63\u76f8\u540c\u7684\u8ca8\u5e63\u9032\u884c\u652f\u4ed8\uff0c\u53ea\u662f \u9019\u500b\u7684\u6578\u5b57\u5316\u7248\u672c\u3002 \u7136\u800c\uff0c\u5c31 CBDC \u4ea4\u6613\u800c\u8a00\uff0c\u9019\u662f\u7528\u4e00\u7a2e\u5168\u65b0\u7684\u3001\u5b8c\u5168\u539f\u751f\u7684\u6578\u5b57\u8ca8\u5e63\u9032\u884c\u7684\uff0c\u5118\u7ba1\u5b83\u8207\u975e\u6578\u5b57\u96d9\u80de\u80ce\u5177\u6709\u76f8\u540c\u7684\u50f9\u503c\u3002 \u5c07 CBDC \u8207\u7a69\u5b9a\u5e63 3\/ \u548c\u96fb\u5b50\u8ca8\u5e63\u5340\u5206\u958b\u4f86\u4e5f\u5f88\u91cd\u8981\uff0c\u5f8c\u8005\u662f\u7531\u79c1\u71df\u90e8\u9580\u7684\u5546\u696d\u53c3\u8207\u8005\u767c\u884c\u7684\u3002<\/p>\n\n

\u5728\u8a31\u591a\u60c5\u6cc1\u4e0b\uff0c\u4e2d\u592e\u9280\u884c\u88ab\u6578\u5b57\u8ca8\u5e63\u6240\u5438\u5f15\uff0c\u56e0\u70ba\u5b83\u5011\u63d0\u4f9b\u4e86\u4e00\u7a2e\u64f4\u5c55\u91d1\u878d\u5305\u5bb9\u6027\u4e26\u4f7f\u91d1\u878d\u4ea4\u6613\u6bd4\u4f7f\u7528\u73fe\u91d1\u66f4\u5b89\u5168\u3001\u66f4\u65b9\u4fbf\u7684\u624b\u6bb5\u3002 \u6b64\u5916\uff0c\u5f15\u5165\u6578\u5b57\u8ca8\u5e63\u5c07\u964d\u4f4e\u6210\u672c\u4e26\u63d0\u9ad8\u91d1\u878d\u7cfb\u7d71\u7684\u6548\u7387\uff0c\u540c\u6642\u4e5f\u70ba\u91d1\u878d\u5275\u65b0\u958b\u95e2\u4e86\u65b0\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n

\u5728 CBDC \u958b\u767c\u7684\u7b2c\u4e00\u968e\u6bb5\uff0c\u4e2d\u592e\u9280\u884c\u53ef\u4ee5\u8207\u5177\u6709\u958b\u767c\u6578\u5b57\u8cc7\u7522\u5c08\u696d\u77e5\u8b58\u7684\u4f01\u696d\u5efa\u7acb\u6280\u8853\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\uff0c\u4ee5\u4fbf\u4ed6\u5011\u53ef\u4ee5\u5171\u540c\u6e2c\u8a66\u548c\u958b\u767c CBDC \u7cfb\u7d71\u3002 \u9019\u65e2\u53ef\u4ee5\u958b\u767c\u70ba\u5728\u4e2d\u592e\u7bc0\u9ede\u6536\u96c6\u548c\u5b58\u5132\u8ca1\u52d9\u4fe1\u606f\u7684\u96c6\u4e2d\u5f0f\u7cfb\u7d71\uff0c\u5c31\u50cf\u5546\u696d\u9280\u884c\u6240\u505a\u7684\u90a3\u6a23\uff0c\u4e5f\u53ef\u4ee5\u958b\u767c\u70ba\u57fa\u65bc\u5206\u4f48\u5f0f\u8cec\u672c\u6280\u8853 (DLT) \u7684\u7cfb\u7d71\u3002 \u5f8c\u8005\u662f\u4e00\u500b\u5206\u6563\u7684\u7cfb\u7d71\uff0c\u6210\u54e1\u53ef\u4ee5\u5728\u5176\u4e2d\u76f4\u63a5\u4ea4\u63db\u4fe1\u606f\uff0c\u800c\u7121\u9700\u901a\u904e\u4e2d\u4ecb\u6216\u4e2d\u5fc3\u7bc0\u9ede<\/p>\n\n

\"\"\/<\/figure>\n\n

\u4e2d\u592e\u9280\u884c\u8d8a\u4f86\u8d8a\u95dc\u6ce8 CBDC \u7684\u53e6\u4e00\u500b\u539f\u56e0\u662f\u904e\u53bb\u5e7e\u5e74\u4eba\u5011\u5c0d\u6578\u5b57\u8cc7\u7522\u7522\u751f\u7684\u5de8\u5927\u8208\u8da3\uff0c\u4e3b\u8981\u7684\u5168\u7403\u7d44\u7e54\u986f\u7136\u611f\u5230\u6709\u5fc5\u8981\u9032\u5165\u9019\u500b\u9818\u57df\u4e26\u5efa\u7acb\u81ea\u5df1\u7684\u6578\u5b57\u5730\u6a19\u3002 \u9019\u4e00\u9032\u7a0b\u7531 Facebook \u5f15\u9818\uff0c\u5176\u7528\u6236\u7fa4\u8d85\u904e\u5168\u7403\u4e00\u534a\u4ee5\u4e0a\u7684\u4eba\u53e3\uff0c\u662f\u4e16\u754c\u4e0a\u6700\u5927\u7684\u793e\u4ea4\u5a92\u9ad4\u5e73\u53f0\u3002 \u5e7e\u5e74\u524d\uff0cFacebook \u5ba3\u5e03\u5275\u5efa\u81ea\u5df1\u7684\u6578\u5b57\u8ca8\u5e63\uff0c\u6700\u521d\u88ab\u547d\u540d\u70ba Libra\uff0c\u5f8c\u4f86\u88ab\u547d\u540d\u70ba Diem\uff0c\u5118\u7ba1\u8a72\u9805\u76ee\u5f8c\u4f86\u88ab\u64f1\u7f6e\uff0c\u4f46\u5b83\u7684\u5ba3\u5e03\u5f15\u767c\u4e86\u885d\u64ca\u6ce2\uff0c\u5728\u6280\u8853\u548c\u91d1\u878d\u754c\u5f15\u8d77\u4e86\u53cd\u97ff\uff08\u5c08\u6b04 1\uff09\u3002<\/p>\n\n

Libra \u548c\u5176\u4ed6\u7a69\u5b9a\u5e63\u7684\u8a95\u751f\u662f\u63a8\u52d5\u50b3\u7d71\u91d1\u878d\u9ad4\u7cfb\uff0c\u5c24\u5176\u662f\u4e2d\u592e\u9280\u884c\u548c\u5546\u696d\u9280\u884c\u9032\u884c\u91cd\u5927\u8f49\u578b\u7684\u53e6\u4e00\u500b\u91cd\u8981\u56e0\u7d20\uff0c\u56e0\u70ba\u5b83\u5011\u5e0c\u671b\u907f\u514d\u6838\u5fc3\u696d\u52d9\u88ab\u5927\u578b\u79d1\u6280\u516c\u53f8\u541e\u4f75\u3002 \u56e0\u6b64\uff0c\u91d1\u878d\u90e8\u9580\u5df2\u7d93\u4e0d\u518d\u53ea\u95dc\u6ce8\u7d19\u5e63\u548c\u786c\u5e63\uff0c\u800c\u662f\u5c07\u5176\u95dc\u6ce8\u9818\u57df\u64f4\u5927\u5230\u5305\u62ec CBDC \u5728\u5167\u7684\u6578\u5b57\u8cc7\u7522\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

\u5c08\u6b04 1\uff1aFacebook \u7684\u6578\u5b57\u8ca8\u5e63\u662f\u5411\u524d\u9081\u51fa\u7684\u91cd\u8981\u4e00\u6b65\u9084\u662f\u53ea\u662f\u4e00\u500b\u7121\u804a\u7684\u767d\u65e5\u5922\uff1f \n \n\u00a0 \n \n\u00a0<\/p>\n\n

Diem\uff0c\u6216\u6700\u521d\u547d\u540d\u70ba Libra\uff0c\u662f Facebook \u5728 2020 \u5e74\u5411\u5168\u4e16\u754c\u767c\u5e03\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u3002Libra\uff0c\u6216 LBR\uff0c\u662f\u4e00\u7a2e\u7531\u6cd5\u5e63\u652f\u6301\u7684\u7a69\u5b9a\u5e63\uff0c\u6700\u7d42\u7684\u7d50\u69cb\u4f7f\u5f97\u4e00\u4e9b\u4ee3\u5e63\u8207 \u55ae\u4e00\u8ca8\u5e63\uff0c\u800c\u5176\u4ed6\u8ca8\u5e63\u5247\u7531\u4e00\u7c43\u5b50\u8ca8\u5e63\u652f\u6301\u3002 \u56e0\u6b64\uff0cLibra \u7684\u50f9\u503c\u662f\u7531\u5169\u500b\u7cfb\u7d71\u6c7a\u5b9a\u7684\u3002<\/p>\n\n

    \n
  1. \u591a\u5e63\u7a2e\u652f\u6301\u7684\u7a69\u5b9a\u5e63\uff1a\u6700\u521d\uff0cLibra \u5f97\u5230\u4e00\u7c43\u5b50\u8ca8\u5e63\u7684\u652f\u6301\uff0c\u5118\u7ba1\u9019\u7a2e\u7d44\u5408\u504f\u5411\u65bc\u5c0d\u5168\u7403\u5177\u6709\u91cd\u5927\u5f71\u97ff\u7684\u4e3b\u8981\u7d93\u6fdf\u9ad4\u7684\u8ca8\u5e63\uff0c\u4f8b\u5982\u7f8e\u5143\u3001\u6b50\u5143\u3001\u82f1\u938a\u3001\u65e5\u5143 , \u548c\u4eba\u6c11\u5e63\u3002 \u9019\u5c31\u662f Libra \u9996\u6b21\u4eae\u76f8\u6642\u7684\u7d50\u69cb\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
  2. \u55ae\u4e00\u8ca8\u5e63\u652f\u6301\u7684\u7a69\u5b9a\u5e63\uff1a\u5728\u7b2c\u4e8c\u7a2e\u5f62\u5f0f\u4e2d\uff0cLibra \u786c\u5e63\u7531\u55ae\u4e00\u8ca8\u5e63\u652f\u6301\uff0c\u4e26\u4ee5 1:1 \u7684\u532f\u7387\u8207\u55ae\u4e00\u8ca8\u5e63\u639b\u9264\uff0c\u5118\u7ba1\u786c\u5e63\u662f\u91dd\u5c0d\u591a\u7a2e\u4e0d\u540c\u7684\u8ca8\u5e63\u767c\u884c\u7684\u3002 \u56e0\u6b64\uff0c\u7f8e\u5143\u652f\u6301\u7684 Libra \u786c\u5e63\u5728\u7406\u8ad6\u4e0a\u53ef\u4ee5\u4ee5 1:1 \u7684\u50f9\u503c\u514c\u63db\u7f8e\u5143\uff0c\u82f1\u938a\u652f\u6301\u7684\u786c\u5e63\u53ef\u4ee5\u4ee5 1:1 \u7684\u50f9\u503c\u514c\u63db\u82f1\u938a\uff0c\u7b49\u7b49\u3002 \u5728\u7576\u5c40\u53cd\u5c0d\u591a\u8ca8\u5e63\u652f\u6301\u786c\u5e63\u7684\u521d\u6b65\u8a08\u5283\u4ee5\u53ca\u96a8\u5f8c\u7e2e\u6e1b\u9805\u76ee\u898f\u6a21\u7684\u52aa\u529b\u4e4b\u5f8c\uff0c\u65bc 2020 \u5e74 11 \u6708\u8f49\u5411\u55ae\u4e00\u8ca8\u5e63\u786c\u5e63\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ol>\n\n

    \u6700\u521d\uff0cFacebook \u5e0c\u671b\u770b\u5230 Libra \u6210\u70ba\u4e00\u7a2e\u4eab\u6709 CBDC \u4fe1\u4efb\u7d1a\u5225\u7684\u6578\u5b57\u8ca8\u5e63\uff0c\u5118\u7ba1\u5f8c\u8005\u5efa\u7acb\u5728\u4e2d\u592e\u9280\u884c\u76f8\u7576\u5927\u7684\u5171\u540c\u8072\u8b7d\u3001\u4ed6\u5011\u767c\u884c\u570b\u5bb6\u8ca8\u5e63\u7684\u5408\u6cd5\u6b0a\u5229\u3001\u4e2d\u592e\u9280\u884c\u7684\u4f5c\u7528\u4e4b\u4e0a \u5b83\u5011\u5728\u76e3\u7ba1\u91d1\u878d\u9ad4\u7cfb\u65b9\u9762\u767c\u63ee\u8457\u91cd\u8981\u4f5c\u7528\uff0c\u6578\u5341\u5e74\uff08\u5728\u8a31\u591a\u60c5\u6cc1\u4e0b\u662f\u6578\u767e\u5e74\uff09\u7ba1\u7406\u91d1\u878d\u5371\u6a5f\u7684\u7d93\u9a57\uff0c\u4ee5\u53ca\u5b83\u5011\u56e0\u6b64\u7a4d\u7d2f\u7684\u5927\u91cf\u6a5f\u69cb\u7d93\u9a57\u548c\u5c08\u696d\u77e5\u8b58\u3002 \u70ba\u4e86\u6548\u4eff\u9019\u4e00\u9ede\uff0cFacebook \u56e0\u6b64\u5275\u5efa\u4e86 Libra \u5354\u6703\uff0c\u9019\u662f\u4e00\u500b\u975e\u71df\u5229\u7d44\u7e54\uff0c\u805a\u96c6\u4e86\u4f86\u81ea\u4e0d\u540c\u884c\u696d\u7684 27 \u5bb6\u4f01\u696d\u7684\u4ee3\u8868\uff0c\u65e8\u5728\u95dc\u6ce8\u65b0\u7a69\u5b9a\u5e63\u7684\u672a\u4f86\u767c\u5c55\u3002 \u56e0\u6b64\uff0c\u4f86\u81ea\u6295\u8cc7\u754c\u7684Andressen Horowitz\u3001Thrive Capital\u548cRabbit Capital\uff0c\u4ee5Coinbase\u548cAnchorage\u70ba\u4ee3\u8868\u7684\u5340\u584a\u93c8\u73a9\u5bb6\uff0c\u4f86\u81ea\u96fb\u5b50\u5546\u52d9\u884c\u696d\u7684eBay\u548cMercado Libre\uff0c\u4ee5Women’s World Banking\u3001Kiva\u548cKiva\u70ba\u4ee3\u8868\u7684\u975e\u71df\u5229\u7d44\u7e54\u3002 Mercy corps\u3001Mastercard\u3001PayU\u3001PayPal\u3001Stripe \u548c Visa \u4ee3\u8868\u91d1\u878d\u90e8\u9580\u767c\u8a00\u3002 \u52a0\u5165\u9019\u500b\u7cbe\u82f1\u4ff1\u6a02\u90e8\u9700\u8981\u652f\u4ed8 1000 \u842c\u7f8e\u5143\u7684\u5165\u6703\u8cbb\uff0c\u8a72\u5165\u6703\u8cbb\u7528\u65bc\u514c\u63db Libra Investment \u4ee3\u5e63\uff0c\u7136\u5f8c\u8b93\u53c3\u8207\u8005\u6709\u6b0a\u7dad\u8b77\u3001\u7ba1\u7406\u548c\u6307\u5c0e Libra \u7684\u767c\u5c55\u3002<\/p>\n\n

    \u7136\u800c\uff0cFacebook \u5f88\u5feb\u5c31\u9047\u5230\u4e86\u554f\u984c\uff0c\u7f8e\u570b\u570b\u6703\u548c\u4e16\u754c\u5404\u570b\u653f\u5e9c\u90fd\u5f37\u70c8\u53cd\u5c0d\uff0c\u4ed6\u5011\u64d4\u5fc3\uff0c\u7531\u65bc Libra \u90e8\u5206\u7531\u7f8e\u5143\u548c\u5176\u4ed6\u8ca8\u5e63\u652f\u6301\uff0c\u5141\u8a31\u5176\u4f7f\u7528\u6703\u5e36\u4f86\u904b\u71df\u98a8\u96aa\u3002 \u5916\u90e8\u8ca8\u5e63\u8207\u570b\u5167\u8ca8\u5e63\u4e26\u5b58\uff0c\u5373\u5141\u8a31\u7d93\u6fdf\u7684\u4e00\u7a2e\u7f8e\u5143\u5316\u3002 \u9019\u5c07\u9020\u6210\u6f5b\u5728\u7684\u5371\u96aa\u60c5\u6cc1\uff0c\u56e0\u70ba Libra \u7b49\u6578\u5b57\u8ca8\u5e63\u4e0d\u53d7\u653f\u5e9c\u6216\u4e2d\u592e\u9280\u884c\u7684\u63a7\u5236\uff0c\u56e0\u6b64\u7576\u5c40\u5f71\u97ff\u570b\u5167\u7d93\u6fdf\u7684\u80fd\u529b\u53ef\u80fd\u6703\u53d7\u5230\u56b4\u91cd\u524a\u5f31\u3002 \u6b64\u5916\uff0c\u5141\u8a31\u4f7f\u7528\u50cf Libra \u9019\u6a23\u7684\u8ca8\u5e63\u53ef\u80fd\u6703\u66f4\u5bb9\u6613\u9003\u907f\u6cd5\u5f8b\u63a7\u5236\uff0c\u4f8b\u5982\u6d17\u9322\uff0c\u56e0\u6b64\u9664\u4e86\u7f8e\u570b\u4e4b\u5916\uff0c\u5305\u62ec\u6cd5\u570b\u548c\u5fb7\u570b\u5728\u5167\u7684\u570b\u5bb6\u5f37\u70c8\u53cd\u5c0d\u5275\u5efa\u9019\u7a2e\u8ca8\u5e63 . \u5176\u7d50\u679c\u662f\u7576\u6642\u5ba3\u5e03\u5c07\u53c3\u8207\u8a72\u9805\u76ee\u7684 PayPal\u3001MasterCard \u548c eBay \u7b49\u516c\u53f8\u9000\u51fa\u4e86\u8a72\u9805\u76ee\u3002<\/p>\n\n

    2021 \u5e74\u5e95\uff0cFacebook \u66f4\u540d\u70ba Meta\uff0c\u4f5c\u70ba\u8a72\u516c\u53f8\u5f37\u8abf\u5176\u5c0d\u5143\u5b87\u5b99\u627f\u8afe\u7684\u52aa\u529b\u7684\u4e00\u90e8\u5206\uff0c\u4f46\u5118\u7ba1\u5982\u6b64\u4ee5\u53ca Libra \u5728 2020 \u5e74\u5e95\u66f4\u540d\u70ba Diem\uff0c\u8a72\u516c\u53f8\u4ecd\u672a\u80fd\u514b\u670d\u4f86\u81ea\u7f8e\u570b\u7684\u6575\u610f \u570b\u6703\u6216\u76e3\u7ba1\u6a5f\u69cb\uff08\u5305\u62ec\u7f8e\u806f\u5132\uff09\u7684\u6301\u7e8c\u53cd\u5c0d[4]\u3002 \u66f4\u7cdf\u7cd5\u7684\u662f\uff0cMeta \u7684\u9ad8\u7d1a\u7ba1\u7406\u4eba\u54e1\u5927\u885b\u00b7\u99ac\u5eab\u65af\u5728\u91d1\u878d\u79d1\u6280\u65b9\u9762\u64c1\u6709\u8c50\u5bcc\u7684\u5c08\u696d\u77e5\u8b58\uff0c\u66fe\u8ca0\u8cac Libra\/Diem \u7684\u521d\u59cb\u767c\u5e03\uff0c\u4ed6\u5ba3\u5e03\u5c07\u65bc 2021 \u5e74 12 \u6708\u96e2\u958b Meta\u3002\u9019\u9032\u4e00\u6b65\u7d66\u9805\u76ee\u7684\u524d\u666f\u8499\u4e0a\u4e86\u9670\u5f71\u3002 \u5df2\u7d93\u9677\u5165\u56f0\u5883\u7684\u672a\u4f86\uff0c\u4e5f\u8a31\u662f\u4e0d\u53ef\u907f\u514d\u7684\uff0cMeta \u5ba3\u5e03 Diem \u9805\u76ee\u5c07\u65bc 2022 \u5e74 1 \u6708 31 \u65e5\u6b63\u5f0f\u7d50\u675f\uff0c\u8207\u652f\u4ed8\u7cfb\u7d71\u76f8\u95dc\u7684\u8cc7\u7522\u548c\u77e5\u8b58\u7522\u6b0a\u51fa\u552e\u7d66 Silvergate Capital[5]\u3002<\/p>\n\n

    \u00a0<\/h4>\n\n

    CBDC \u7684\u985e\u578b \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

    CBDC \u53ef\u4ee5\u6cbf\u8457\u8a31\u591a\u4e0d\u540c\u7684\u8ef8\u9032\u884c\u5206\u985e\uff0c\u4e0b\u9762\u7d66\u51fa\u4e86\u5c0d\u5b83\u5011\u9032\u884c\u5206\u985e\u7684\u4e3b\u8981\u65b9\u6cd5\u3002<\/p>\n\n

    1) \u652f\u6301\u7684\u4ea4\u6613\u985e\u578b\uff1aCBDC \u53ef\u4ee5\u5206\u70ba\u6279\u767c\u548c\u96f6\u552e CBDC\u3002 \u524d\u8005\u7528\u65bc\u4fc3\u9032\u4e2d\u592e\u9280\u884c\u8207\u5546\u696d\u9280\u884c\u6216\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u7684\u4ea4\u6613\uff0c\u800c\u5f8c\u8005\u5247\u4f9b\u9280\u884c\u7684\u96f6\u552e\u5ba2\u6236\u4f7f\u7528\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

    \u6839\u64da CBDC \u7684\u4f7f\u7528\u7bc4\u570d\u6216\u5b83\u5011\u652f\u6301\u7684\u4ea4\u6613\u985e\u578b\u5c0d CBDC \u9032\u884c\u5206\u985e\u662f\u6700\u5e38\u898b\u7684\u5206\u985e\u6a21\u5f0f\u3002 \u5728\u5546\u696d\u9280\u884c\u6216\u91d1\u878d\u90e8\u9580\u5176\u4ed6\u90e8\u5206\u4e4b\u9593\u7684\u4ea4\u6613\u4e2d\u4f7f\u7528 CBDC \u5c6c\u65bc\u6279\u767c CBDC \u7684\u9818\u57df\uff0c\u5728\u9019\u7a2e\u60c5\u6cc1\u4e0b\uff0c\u5b83\u5011\u7684\u4f7f\u7528\u5c07\u6709\u52a9\u65bc\u63d0\u9ad8\u5b8c\u6210\u4ea4\u6613\u548c\u9032\u884c\u5b89\u5168\u7d50\u7b97\u7684\u6548\u7387\uff0c\u4ee5\u53ca \u6e1b\u5c11\u4ea4\u6613\u5c0d\u624b\u4fe1\u7528\u98a8\u96aa\u3002 \u76ee\u524d\uff0c\u4eba\u5011\u5c0d\u6279\u767c CBDC \u7684\u4f7f\u7528\u7522\u751f\u4e86\u76f8\u7576\u5927\u7684\u8208\u8da3\uff0c\u5c0d\u5176\u4f7f\u7528\u7684\u7814\u7a76\u6b63\u5728\u5ee3\u6cdb\u958b\u5c55\uff0c\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u5b83\u5011\u958b\u59cb\u5728\u8a72\u9818\u57df\u9032\u884c\u90e8\u7f72\u3002 \u5b83\u5011\u7684\u4f7f\u7528\u5728\u8de8\u5883\u652f\u4ed8\u9818\u57df\u5f15\u8d77\u4e86\u7279\u5225\u7684\u95dc\u6ce8\uff0c\u5176\u4e2d\u4e00\u5c0f\u90e8\u5206\u6b63\u5728\u63a8\u52d5\u4e2d\u592e\u9280\u884c\u4e4b\u9593\u7684\u5408\u4f5c\u52aa\u529b\u3002 \u6b64\u5916\uff0c\u6279\u767c CBDC \u986f\u7136\u53ef\u4ee5\u5728\u570b\u5167\u7528\u65bc\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u7684\u4ea4\u6613\uff0c\u4e2d\u592e\u9280\u884c\u5145\u7576\u9019\u4e9b\u4e4b\u9593\u7684\u4e2d\u4ecb\uff0c\u5118\u7ba1\u70ba\u4e86\u63d0\u9ad8\u6548\u7387\u548c\u4fbf\u5229\u6027\uff0c\u91d1\u878d\u90e8\u9580\u7684\u53c3\u8207\u8005\u901a\u5e38\u80fd\u5920\u4ee5\u9019\u7a2e\u65b9\u5f0f\u4f7f\u7528\u6279\u767c CBDC \u5728\u5206\u4f48\u5f0f\u8cec\u672c\u6216\u5340\u584a\u93c8\u4e0a\u8a18\u9304\u9019\u4e9b\u4ea4\u6613\u3002 \u56e0\u6b64\uff0c\u524d\u79d8\u66f8\u517c\u5370\u5ea6\u5132\u5099\u9280\u884c\u6df1\u5316\u6578\u5b57\u652f\u4ed8\u59d4\u54e1\u6703\u6210\u54e1 Aruna Sharma \u535a\u58eb\u8868\u793a\uff0c\u6279\u767c CBDC \u53ef\u4ee5\u88ab\u8a8d\u70ba\u662f\u201c\u4e2d\u592e\u9280\u884c\u8f49\u79fb\u65b0\u9444\u9020\u548c\u5c1a\u672a\u767c\u884c\u7684\u4e00\u7a2e\u624b\u6bb5\u201d \u5c07\u672a\u4f7f\u7528\u7684\u9214\u7968\u4ea4\u7d66\u5546\u696d\u9280\u884c\uff0c\u7136\u5f8c\u5546\u696d\u9280\u884c\u80fd\u5920\u5c07\u9019\u4e9b\u9214\u7968\u5206\u914d\u5230\u66f4\u5ee3\u6cdb\u7684\u7d93\u6fdf\u9ad4\u7cfb\u4e2d\u201d[6]\u3002<\/p>\n\n

    \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5982\u679c CBDC \u80fd\u5920\u9032\u5165\u6d88\u8cbb\u8005\u624b\u4e2d\uff0c\u5247\u9019\u4e9b CBDC \u88ab\u8996\u70ba\u96f6\u552e CBDC\u3002 \u9019\u4e9b\u5c07\u5728\u4e0b\u4e00\u7ae0\u8a73\u7d30\u8a0e\u8ad6\u3002<\/p>\n\n

    2) \u57fa\u65bc\u4ee3\u5e63\u6216\u57fa\u65bc\u8cec\u6236\u7684 CBDC \n \n\u00a0 \n \n\u00a0<\/p>\n\n

    \u57fa\u65bc\u8cec\u6236\u7684 CBDC \u5efa\u7acb\u5728\u500b\u4eba\u8cec\u6236\u7684\u57fa\u790e\u4e0a\u3002 \u9019\u4e9b\u7528\u65bc\u5b58\u5132\u8207\u8a72\u5e33\u6236\u76f8\u95dc\u7684\u6240\u6709\u4ea4\u6613\u53ca\u5176\u9918\u984d\u7684\u76f8\u95dc\u4fe1\u606f\u3002 \u9019\u4e9b\u4ea4\u6613\u8207\u6a19\u8a18\u4ea4\u6613\u8005\u7684\u500b\u4eba\u8b58\u5225\u4fe1\u606f\u76f8\u95dc\u806f\uff0c\u5c31\u50cf\u96fb\u5b50\u90f5\u4ef6\u8207\u767c\u4ef6\u4eba\u548c\u6536\u4ef6\u4eba\u7684\u96fb\u5b50\u90f5\u4ef6\u5730\u5740\u76f8\u95dc\u806f\u4e00\u6a23\uff0c\u56e0\u6b64\u8a72\u7cfb\u7d71\u4e2d\u5e7e\u4e4e\u6c92\u6709\u533f\u540d\u6027\u3002 \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u57fa\u65bc\u4ee3\u5e63\u7684 CBDC \u4ee5\u4ee3\u5e63\u70ba\u57fa\u790e\uff0c\u6b63\u662f\u9019\u4e9b\u4ee3\u5e63\u8a18\u9304\u4e86\u8207\u4ea4\u6613\u76f8\u95dc\u7684\u6578\u64da\uff0c\u9019\u4e9b\u6578\u64da\u53ef\u80fd\u8207\u500b\u4eba\u8eab\u4efd\u4fe1\u606f\u76f8\u95dc\u806f\uff0c\u4e5f\u53ef\u80fd\u4e0d\u76f8\u95dc\u806f\u3002 \u5728\u9019\u4e9b\u7cfb\u7d71\u4e2d\uff0c\u8eab\u4efd\u78ba\u8a8d\u662f\u901a\u904e\u4f7f\u7528\u6578\u5b57\u7c3d\u540d\u9032\u884c\u7684\uff0c\u56e0\u6b64\u57fa\u65bc\u4ee4\u724c\u7684\u7cfb\u7d71\u6bd4\u57fa\u65bc\u5e33\u6236\u7684\u66ff\u4ee3\u65b9\u6848\u63d0\u4f9b\u66f4\u5927\u7684\u533f\u540d\u6f5b\u529b\u3002 \u5118\u7ba1\u5982\u6b64\uff0c\u5b83\u5011\u7559\u4e0b\u7684\u6578\u5b57\u75d5\u8de1\u610f\u5473\u8457\u57fa\u65bc\u4ee3\u5e63\u7684\u7cfb\u7d71\u4ecd\u7136\u4e0d\u5982\u73fe\u91d1\u533f\u540d\uff0c\u5118\u7ba1\u5b83\u5011\u6709\u53ef\u80fd\u986f\u8457\u7de9\u89e3\u8de8\u5883\u652f\u4ed8\u4e2d\u6d89\u53ca\u7684\u6469\u64e6\u3002<\/p>\n\n

    \"\"\/<\/figure>\n\n

    3\uff09\u751f\u606f\u548c\u4e0d\u751f\u606fCBDC \n \n\u00a0 \n \n\u00a0<\/p>\n\n

    \u8207\u73fe\u91d1\u4e0d\u540c\uff0cCBDC \u7684\u4f7f\u7528\u70ba\u4e2d\u592e\u9280\u884c\u63d0\u4f9b\u4e86\u4e00\u7a2e\u5411 CBDC \u6301\u6709\u8005\u652f\u4ed8\u5229\u606f\u7684\u6a5f\u5236\u3002 \u7136\u800c\uff0c\u652f\u4ed8\u9019\u4e9b\u5229\u606f\u5c07\u5c0d\u592e\u884c\u8ca8\u5e63\u653f\u7b56\u50b3\u5c0e\u6a5f\u5236\u7522\u751f\u5f71\u97ff\uff0c\u4e5f\u6703\u5c0d\u5546\u696d\u9280\u884c\u5982\u4f55\u8a2d\u5b9a\u5132\u84c4\u5229\u7387\u53ca\u5176\u6301\u6709\u7684\u5b58\u6b3e\u7e3d\u984d\u7522\u751f\u5f71\u97ff\uff08Garratt \u548c Zhu\uff0c2021\uff09\u3002<\/p>\n\n

    4) \u79c1\u71df\u90e8\u9580\u53c3\u8207\u7684\u7a0b\u5ea6\uff1a\u6839\u64da\u79c1\u71df\u90e8\u9580\u7684\u53c3\u8207\u7a0b\u5ea6\uff0cCBDC \u53ef\u5206\u70ba\u55ae\u5c64\u548c\u5169\u5c64\u8b8a\u9ad4\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

    \u5728\u55ae\u5c64\u6a21\u578b\u4e2d\uff0c\u4e2d\u592e\u9280\u884c\u4ee5\u9019\u6a23\u4e00\u7a2e\u65b9\u5f0f\u8a2d\u8a08\u8ca8\u5e63\uff0c\u5373\u4ed6\u5011\u7368\u81ea\u8ca0\u8cac\u904b\u71df\u548c\u7ba1\u7406\u91d1\u878d\u93c8\u7684\u6240\u6709\u9ede\uff0c\u5305\u62ec\u76f4\u63a5\u8207\u96f6\u552e\u5ba2\u6236\u6253\u4ea4\u9053\u3002 \u56e0\u6b64\uff0c\u9019\u4e9b\u7cfb\u7d71\u4e5f\u88ab\u7a31\u70ba\u76f4\u63a5 CBDC\u3002 \u7136\u800c\uff0c\u5982\u679c\u4e2d\u592e\u9280\u884c\u627f\u64d4\u9019\u4e9b\u89d2\u8272\uff0c\u9019\u5c07\u5f15\u767c\u4e00\u7cfb\u5217\u65b0\u7684\u6f5b\u5728\u554f\u984c\uff0c\u56e0\u70ba\u5f9e\u6b77\u53f2\u4e0a\u770b\uff0c\u4e2d\u592e\u9280\u884c\u901a\u5e38\u8207\u500b\u4eba\u6d88\u8cbb\u8005\u6c92\u6709\u76f4\u63a5\u4e92\u52d5\uff0c\u56e0\u6b64\u4ed6\u5011\u5728\u8a31\u591a\u95dc\u9375\u9818\u57df\u7f3a\u4e4f\u77e5\u8b58\u548c\u5c08\u696d\u77e5\u8b58\uff0c\u4f8b\u5982\u5be6\u65bd \u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6236\u201d\u898f\u5b9a\u3002<\/p>\n\n

    \u5169\u5c64\u6a21\u578b\u8207\u6b64\u4e0d\u540c\uff0c\u4e2d\u592e\u9280\u884c\u9593\u63a5\u7ba1\u7406 CBDC\uff0c\u56e0\u6b64\u4e5f\u7a31\u70ba\u9593\u63a5\u6216\u6df7\u5408 CBDC\u3002 \u5728\u9019\u4e9b\u6a21\u578b\u4e0b\uff0c\u4e2d\u592e\u9280\u884c\u5c07\u5176\u5728\u55ae\u5c64\u6a21\u578b\u4e2d\u7dad\u6301\u7684\u90e8\u5206\u8cac\u4efb\u8f49\u79fb\u7d66\u5546\u696d\u9280\u884c\u6216\u5176\u4ed6\u652f\u4ed8\u63a5\u53e3\u63d0\u4f9b\u5546\uff0c\u56e0\u70ba\u5b83\u5011\u5177\u6709\u8207\u96f6\u552e\u5ba2\u6236\u6253\u4ea4\u9053\u7684\u5c08\u696d\u77e5\u8b58\u3002 \u540c\u6642\uff0c\u4e2d\u592e\u9280\u884c\u5c07\u4fdd\u7559\u767c\u884c\u548c\u6388\u6b0a\u8f49\u8b93 CBDC \u7684\u6b0a\u529b\u3002 \u9451\u65bc\u8a72\u7cfb\u7d71\u63d0\u4f9b\u7684\u5929\u7136\u512a\u52e2\uff0c\u9019\u662f\u5169\u7a2e\u9078\u64c7\u4e2d\u66f4\u53d7\u6b61\u8fce\u7684\u4e00\u7a2e\u3002<\/p>\n\n

    \"\"\/<\/figure>\n\n

    5) CBDC \u7684\u6280\u8853\u57fa\u790e\uff1a\u7528\u65bc\u8a18\u9304\u4ea4\u6613\u7684\u6280\u8853\u53ef\u80fd\u57fa\u65bc\u96c6\u4e2d\u5f0f\u6216\u5206\u6563\u5f0f\u8cec\u672c\u6280\u8853 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

    \u7576 CBDC \u5efa\u7acb\u5728\u96c6\u4e2d\u5f0f\u7cfb\u7d71\u4e0a\u6642\uff0c\u90a3\u4e9b\u5e0c\u671b\u9032\u884c\u652f\u4ed8\u7684\u4eba\u9700\u8981\u9023\u63a5\u5230\u4e2d\u592e\u6578\u64da\u63d0\u4f9b\u8005\uff0c\u9019\u53ef\u80fd\u662f\u4e2d\u592e\u9280\u884c\u6216\u5546\u696d\u9280\u884c\uff0c\u7136\u5f8c\u9019\u5c07\u8ca0\u8cac\u6388\u6b0a\u652f\u4ed8\u4e26\u76f8\u61c9\u5730\u8abf\u6574\u8cec\u6236\u9918\u984d\u3002 \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u53bb\u4e2d\u5fc3\u5316\u7cfb\u7d71\u4e2d\uff0c\u7576\u9032\u884c\u4ea4\u6613\u6642\uff0c\u4f86\u81ea\u76f8\u95dc\u8cec\u6236\u7684\u6578\u64da\u88ab\u8907\u88fd\u4e26\u5206\u767c\u5230\u7531\u8a31\u53ef\u9a57\u8b49\u8005\u64cd\u4f5c\u7684\u6240\u6709\u7db2\u7d61\u7bc0\u9ede\uff0c\u7136\u5f8c\u9a57\u8b49\u8005\u5c07\u78ba\u8a8d\u6216\u62d2\u7d55\u4ea4\u6613\u3002 \u9019\u985e\u4f3c\u65bc\u6bd4\u7279\u5e63\u7b49\u52a0\u5bc6\u8ca8\u5e63\u7684\u904b\u4f5c\u65b9\u5f0f\uff0c\u4f46\u6709\u4e00\u500b\u975e\u5e38\u91cd\u8981\u7684\u5340\u5225\uff0c\u5373\u6bd4\u7279\u5e63\u662f\u4e00\u500b\u958b\u653e\u7cfb\u7d71\uff0c\u4efb\u4f55\u4eba\u90fd\u53ef\u4ee5\u5728\u672a\u7d93\u4e8b\u5148\u6388\u6b0a\u7684\u60c5\u6cc1\u4e0b\u53c3\u8207\u5340\u584a\u93c8\uff0c\u800c\u9280\u884c\u548c\u652f\u4ed8\u7cfb\u7d71\u5fc5\u9808\u53ea\u5c0d\u7d93\u904e\u9a57\u8b49\u7684\u53c3\u8207\u8005\u958b\u653e\u3002 \u5728\u96d9\u5c64 CBDC \u7684\u60c5\u6cc1\u4e0b\uff0c\u652f\u4ed8\u63a5\u53e3\u63d0\u4f9b\u5546\u8207\u4e2d\u592e\u9280\u884c\u4e4b\u9593\u7684\u4ea4\u4e92\u76f4\u63a5\u8a18\u9304\u5728\u4e2d\u592e\u9280\u884c\u7684\u5206\u985e\u8cec\u4e2d\uff0c\u800c\u652f\u4ed8\u63d0\u4f9b\u5546\u8207\u500b\u4eba\u7528\u6236\u4e4b\u9593\u7684\u4ea4\u4e92\u8a18\u9304\u53ef\u80fd\u57fa\u65bc\u7ba1\u7406\u5206\u4f48\u5f0f\u7cfb\u7d71\u7684\u539f\u5247\uff08\u5373\uff0c\u5b83\u5011 \u5c07\u5ee3\u6cdb\u4f7f\u7528\u5bc6\u78bc\u5b78\u548c\u53ef\u7de8\u7a0b\u6027\uff09\u3002 \u5c07\u9019\u4e9b\u7cfb\u7d71\u8207\u52a0\u5bc6\u8ca8\u5e63\u5340\u5206\u958b\u4f86\u7684\u53e6\u4e00\u500b\u6838\u5fc3\u7279\u5fb5\u662f\uff0c\u65b0\u8ca8\u5e63\u7684\u767c\u884c\u548c\u5c0d\u6574\u9ad4\u8ca8\u5e63\u4f9b\u61c9\u7684\u63a7\u5236\u5c07\u7531\u4e2d\u592e\u9280\u884c\u8ca0\u8cac\u3002<\/p>\n\n

    \u00a0<\/h4>\n\n

    \u96f6\u552e CBDC\uff1a\u4e2d\u592e\u9280\u884c\u5411\u524d\u9081\u51fa\u7684\u91cd\u8981\u4e00\u6b65 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

    \u5982\u4e0a\u6240\u8ff0\uff0c\u96f6\u552e CBDC \u662f\u7531\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u5f62\u5f0f\uff0c\u4f46\u53ef\u4ee5\u4f9b\u96f6\u552e\u5ba2\u6236\u4f7f\u7528\uff0c\u63db\u53e5\u8a71\u8aaa\uff0c\u53ef\u4ee5\u4f9b\u516c\u773e\u4f7f\u7528\u3002 \u56e0\u6b64\uff0c\u8a31\u591a\u570b\u5bb6\u7684\u4e2d\u592e\u9280\u884c\u5c07\u9019\u4e9b\u8996\u70ba\u4e00\u7a2e\u65b9\u5f0f\uff0c\u53ef\u4ee5\u8b93\u6d88\u8cbb\u8005\u8f15\u9b06\u8a2a\u554f\u53ef\u9760\u4e14\u9ad8\u5ea6\u5b89\u5168\u7684\u652f\u4ed8\u7cfb\u7d71\uff0c\u4e26\u964d\u4f4e\u8207\u66ff\u4ee3\u6578\u5b57\u8ca8\u5e63\u76f8\u95dc\u7684\u4fe1\u7528\u98a8\u96aa\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u96d6\u7136\u73fe\u91d1\u53ef\u80fd\u7f3a\u4e4f\u901a\u904e\u4f7f\u7528\u6578\u5b57\u8ca8\u5e63\u7372\u5f97\u7684\u4e00\u4e9b\u6548\u7387\uff0c\u4f46\u5b83\u7684\u98a8\u96aa\u4e5f\u8f03\u5c0f\uff0c\u56e0\u70ba\u5b83\u5f97\u5230\u653f\u5e9c\u7684\u652f\u6301\u4e26\u4e14\u53ef\u4ee5\u5408\u6cd5\u5730\u7528\u65bc\u7d50\u7b97\u4ea4\u6613\u3002<\/p>\n\n

    \"\"\/<\/figure>\n\n

    \u5f9e\u7406\u8ad6\u4e0a\u8b1b\uff0c\u5f15\u5165\u96f6\u552e CBDC \u5c07\u70ba\u91d1\u878d\u9ad4\u7cfb\u3001\u7d93\u6fdf\u548c\u66f4\u5ee3\u6cdb\u7684\u793e\u6703\u5e36\u4f86\u8a31\u591a\u597d\u8655\u3002 \u6839\u64da\u6cf0\u570b\u9280\u884c\uff082021 \u5e74\uff09\u548c\u4e16\u754c\u9280\u884c\uff082021 \u5e74\uff09\u7684\u5de5\u4f5c\uff0c\u9019\u4e9b\u5728\u4e0b\u9762\u7c21\u8981\u5217\u51fa<\/p>\n\n

    1. \u63d0\u9ad8\u6d88\u8cbb\u8005\u548c\u91d1\u878d\u90e8\u9580\u7684\u6548\u7387 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

      \n
    • \u52a0\u5feb\u4ea4\u6613\u7d50\u7b97<\/strong>\uff1a\u6d88\u8cbb\u8005\u548c\u4f01\u696d\u90fd\u5e0c\u671b\u76e1\u5feb\u5b8c\u6210\u4ea4\u6613\uff0c\u96f6\u552e CBDC \u63d0\u4f9b\u4e86\u4e00\u7a2e\u5be6\u73fe\u9019\u4e00\u76ee\u6a19\u7684\u65b9\u6cd5\uff1b \u56e0\u70ba\u5b83\u5011\u4ee5\u6578\u5b57\u65b9\u5f0f\u904b\u4f5c\uff0c\u96f6\u552e CBDC \u5141\u8a31\u8de8\u4e0d\u540c\u6642\u5340\u93c8\u63a5\u7684\u901a\u7528\u5be6\u6642\u652f\u4ed8\u670d\u52d9\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
    • \u964d\u4f4e\u670d\u52d9\u8cbb\u7528<\/strong>\uff1a\u7531\u65bc CBDC \u5efa\u7acb\u5728\u6578\u5b57\u57fa\u790e\u4e0a\uff0c\u8655\u7406\u55ae\u7b46\u4ea4\u6613\u7522\u751f\u7684\u6210\u672c\u53ef\u4ee5\u5ffd\u7565\u4e0d\u8a08\uff0c\u908a\u969b\u6210\u672c\u5be6\u969b\u4e0a\u53ef\u80fd\u63a5\u8fd1\u65bc\u96f6\u3002 \u9019\u4e9b\u4f4e\u6210\u672c\u53ef\u80fd\u9084\u6709\u4e00\u500b\u984d\u5916\u7684\u512a\u52e2\uff0c\u90a3\u5c31\u662f\u9f13\u52f5\u79c1\u71df\u90e8\u9580\u7684\u652f\u4ed8\u8655\u7406\u5546\u4e5f\u524a\u6e1b\u8cbb\u7528\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
    • \u4fc3\u9032\u570b\u969b\u652f\u4ed8<\/strong>\uff1a\u4f7f\u7528 CBDC \u61c9\u8a72\u53ef\u4ee5\u66f4\u5bb9\u6613\u5730\u5b8c\u6210\u8de8\u5883\u4ea4\u6613\uff0c\u4e26\u4e14\u7cfb\u7d71\u5c07\u901a\u904e\u8b8a\u5f97\u900f\u660e\u3001\u53ef\u9a57\u8b49\u3001\u5feb\u901f\u548c\u4f4e\u6210\u672c\uff08\u751a\u81f3\u63a5\u8fd1\u65bc\u96f6\uff09\u6210\u672c\u800c\u986f\u8457\u53d7\u76ca\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

      2. \u52a0\u5f37\u5c0d\u5275\u65b0\u548c\u7af6\u722d\u7684\u652f\u6301 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

        \n
      • \u5e73\u7a69\u904e\u6e21\u5230\u6578\u5b57\u7d93\u6fdf\u4e26\u9f13\u52f5\u66f4\u591a\u5730\u4f7f\u7528\u6578\u5b57\u8cc7\u7522\uff1a\u7531\u65bc CBDC \u7531\u4e2d\u592e\u9280\u884c\u767c\u884c\uff0c\u56e0\u6b64\u53ef\u4ee5\u8f15\u9b06\u5730\u5c07\u5176\u514c\u63db\u70ba\u5176\u4ed6\u985e\u578b\u7684\u6578\u5b57\u8cc7\u7522\uff0c\u4f8b\u5982\u79c1\u71df\u90e8\u9580\u767c\u884c\u7684\u6295\u8cc7\u4ee3\u5e63\u3002 \u800c\u4e14\uff0c\u7531\u65bc\u53ef\u4ee5\u76f4\u63a5\u4f7f\u7528CBCD\u4ee3\u66ff\u975e\u6578\u5b57\u8ca8\u5e63\uff0c\u9019\u6a23\u7684\u4ea4\u6613\u53ef\u4ee5\u77ac\u9593\u5b8c\u6210\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
      • \u91d1\u878d\u670d\u52d9\u63d0\u4f9b\u5546\u4e4b\u9593\u7684\u7af6\u722d\u65e5\u76ca\u6fc0\u70c8\uff1a\u8207\u6240\u6709\u6578\u5b57\u7522\u54c1\u4e00\u6a23\uff0c\u4f7f\u7528 CBDC \u7d50\u7b97\u4ea4\u6613\u7684\u6210\u672c\u975e\u5e38\u4f4e\uff0c\u9019\u53ef\u80fd\u6703\u9f13\u52f5\u79c1\u71df\u90e8\u9580\u652f\u4ed8\u670d\u52d9\u63d0\u4f9b\u5546\u4e4b\u9593\u5c55\u958b\u66f4\u5927\u7684\u7af6\u722d\uff0c\u5f9e\u800c\u4fc3\u4f7f\u4ed6\u5011\u6539\u9032 \u4ed6\u5011\u7684\u670d\u52d9\u8cea\u91cf\u548c\u964d\u4f4e\u50f9\u683c\u3002 \u4e8b\u5be6\u4e0a\uff0cCBDC \u7684\u4f7f\u7528\u5b8c\u5168\u6c92\u6709\u5fc5\u8981\u901a\u904e\u5546\u696d\u9280\u884c\u4f5c\u70ba\u4e2d\u4ecb\uff0c\u7406\u8ad6\u4e0a\u53ef\u4ee5\u76f4\u63a5\u8207\u4e2d\u592e\u9280\u884c\u9032\u884c\u4ea4\u6613\u7d50\u7b97\u3002 \u9019\u53ef\u80fd\u6709\u52a9\u65bc\u514b\u670d\u88ab\u6392\u9664\u5728\u7576\u524d\u7d44\u7e54\u7684\u91d1\u878d\u9ad4\u7cfb\u4e4b\u5916\u7684\u500b\u4eba\u6240\u9762\u81e8\u7684\u554f\u984c\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

        \u4e09\u3001\u64f4\u5927\u4e2d\u592e\u9280\u884c\u5728\u91d1\u878d\u9ad4\u7cfb\u4e2d\u7684\u4f5c\u7528 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

          \n
        • \u6e1b\u5c11\u56e0\u5370\u5237\u548c\u7ba1\u7406\u73fe\u91d1\u4f9b\u61c9\u800c\u7522\u751f\u7684\u6210\u672c\uff1a\u8207\u7d19\u5e63\u548c\u786c\u5e63\u4e0d\u540c\uff0c\u4ee5 CBDC \u5f62\u5f0f\u767c\u884c\u8ca8\u5e63\u610f\u5473\u8457\u5370\u5237\u3001\u5b58\u5132\u548c\u904b\u8f38\u6c92\u6709\u984d\u5916\u6210\u672c\uff0c\u56e0\u6b64\uff0c\u8207\u5176\u4f7f\u7528\u76f8\u95dc\u7684\u9593\u63a5\u8cbb\u7528\u4f4e\u65bc \u73fe\u91d1\u3002 \u7136\u800c\uff0c\u91cd\u8981\u7684\u662f\u8981\u8a18\u4f4f\uff0cCBDC \u4f9d\u8cf4\u65bc\u5ee3\u6cdb\u4e14\u9ad8\u5ea6\u5148\u9032\u7684 IT \u57fa\u790e\u8a2d\u65bd\uff0c\u7dad\u8b77\u5b83\u5fc5\u9808\u88ab\u8996\u70ba\u4f7f\u7528 CBDC \u7684\u6210\u672c\u4e4b\u4e00\u3002 \u7136\u800c\uff0c\u96a8\u8457\u9019\u4e9b\u88ab\u66f4\u5ee3\u6cdb\u5730\u63a5\u53d7\u4e26\u5728\u65e5\u5e38\u751f\u6d3b\u4e2d\u8d8a\u4f86\u8d8a\u591a\u5730\u53d6\u4ee3\u73fe\u91d1\uff0c\u66f4\u591a CBDC \u4f7f\u7528\u7684\u908a\u969b\u6210\u672c\u5c07\u76f8\u61c9\u4e0b\u964d\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
        • \u70ba\u4e2d\u592e\u9280\u884c\u5275\u9020\u65b0\u7684\u89d2\u8272\uff1a\u50b3\u7d71\u4e0a\uff0c\u4e2d\u592e\u9280\u884c\u53ea\u8207\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u76f4\u63a5\u4e92\u52d5\uff0c\u4f46\u96a8\u8457\u96f6\u552e CBDC \u7684\u5275\u5efa\uff0c\u4e2d\u592e\u9280\u884c\u7684\u89d2\u8272\u5c07\u5f9e\u7ba1\u7406\u7d93\u6fdf\u7684\u8ca8\u5e63\u4f9b\u61c9\u64f4\u5c55\u5230\u76f4\u63a5\u548c\u76f4\u63a5\u7684 \u8207\u500b\u4eba\u6d88\u8cbb\u8005\u7684\u95dc\u4fc2\u3002 \u9019\u70ba\u66f4\u6709\u91dd\u5c0d\u6027\u7684\u8ca8\u5e63\u653f\u7b56\u958b\u95e2\u4e86\u65b0\u7684\u53ef\u80fd\u6027\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
        • \u52a0\u5f37\u4e2d\u592e\u9280\u884c\u7684\u50b3\u7d71\u8077\u80fd\uff1a\u4f7f\u7528 CBDC \u5c07\u5e6b\u52a9\u4e2d\u592e\u9280\u884c\u64f4\u5927\u5c0d\u96fb\u5b50\u652f\u4ed8\u7d50\u7b97\u7684\u53c3\u8207\uff0c\u9019\u5728\u6b77\u53f2\u4e0a\u4e3b\u8981\u7531\u79c1\u71df\u90e8\u9580\u8655\u7406\uff0c\u6700\u660e\u986f\u7684\u662f\u5546\u696d\u9280\u884c\u548c\u91d1\u878d\u79d1\u6280\u696d\u52d9\u3002 \u4f7f\u7528 CBDC \u9084\u5c07\u70ba\u4e2d\u592e\u9280\u884c\u63d0\u4f9b\u4e00\u7a2e\u66f4\u9ad8\u6548\u5730\u90e8\u7f72\u91d1\u878d\u5de5\u5177\u3001\u66f4\u8f15\u9b06\u5730\u5206\u914d\u8ca8\u5e63\u63f4\u52a9\u4e26\u66f4\u597d\u5730\u78ba\u4fdd\u8ca1\u653f\u653f\u7b56\u5c0d\u7121\u9280\u884c\u8cec\u6236\u4eba\u53e3\u7522\u751f\u5f71\u97ff\u7684\u65b9\u5f0f\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

          4. \u63d0\u9ad8\u653f\u5e9c\u6548\u7387 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

            \n
          • \u63d0\u9ad8\u8f49\u8cec\u548c\u652f\u4ed8\u8655\u7406\u7684\u6548\u7387\uff1a\u5728\u8a31\u591a\u570b\u5bb6\uff0c\u5b8c\u6210\u6d89\u53ca\u653f\u5e9c\u6a5f\u69cb\u7684\u91d1\u878d\u4ea4\u6613\u662f\u4e00\u500b\u8907\u96dc\u4e14\u8017\u6642\u7684\u904e\u7a0b\u3002 \u4f46\u662f\uff0c\u5982\u679c\u4e0d\u540c\u7684\u653f\u5e9c\u6a5f\u69cb\u80fd\u5920\u53c3\u8207\u4e00\u500b\u901a\u904e CBDC \u9032\u884c\u652f\u4ed8\u7684\u901a\u7528\u5171\u4eab\u5e73\u53f0\uff0c\u9019\u5c07\u6709\u52a9\u65bc\u9806\u5229\u548c\u52a0\u901f\u6a5f\u69cb\u9593\u8f49\u79fb\u3002 \u6b64\u5916\uff0c\u5982\u679c\u767c\u751f\u81ea\u7136\u707d\u5bb3\u4e26\u4e14\u653f\u5e9c\u5fc5\u9808\u5411\u5730\u65b9\u653f\u5e9c\u8fa6\u516c\u5ba4\u9032\u884c\u7dca\u6025\u8f49\u79fb\u4e26\u652f\u6301\u5411\u516c\u773e\u4ed8\u6b3e\uff0c\u80fd\u5920\u5c07 CBDC \u8207\u50b3\u7d71\u985e\u578b\u7684\u8ca8\u5e63\u4e00\u8d77\u4f7f\u7528\u5c07\u6709\u52a9\u65bc\u52a0\u5feb\u6574\u500b\u904e\u7a0b\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
          • \u63d0\u9ad8\u653f\u5e9c\u8ca1\u653f\u7684\u900f\u660e\u5ea6\uff1a\u4f7f\u7528 CBDC \u5c07\u6709\u52a9\u65bc\u5927\u5e45\u6e1b\u5c11\u907f\u7a05\u3001\u6d17\u9322\u548c\u975e\u6cd5\u652f\u4ed8\u7b49\u554f\u984c\uff0c\u56e0\u70ba\u5118\u7ba1 CBDC \u7684\u8a2d\u8a08\u65b9\u5f0f\u53ef\u4ee5\u533f\u540d\u5b8c\u6210\u4ea4\u6613\uff0c\u4f46\u7559\u4e0b\u7684\u6578\u5b57\u8db3\u8de1 \u53ef\u80fd\u4ecd\u7136\u5141\u8a31\u8abf\u67e5\u4eba\u54e1\u6536\u96c6\u5927\u91cf\u8207\u9019\u4e9b\u4ed8\u6b3e\u6709\u95dc\u7684\u4fe1\u606f\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

            \u96f6\u552e CBDC \u548c\u5176\u4ed6\u985e\u578b\u7684\u96fb\u5b50\u652f\u4ed8\u7cfb\u7d71 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

            \u9664\u4e86\u73fe\u91d1\u3001\u652f\u7968\u3001\u501f\u8a18\u5361\u548c\u4fe1\u7528\u5361\u7b49\u50b3\u7d71\u652f\u4ed8\u65b9\u5f0f\u5916\uff0c\u8a31\u591a\u4e0d\u540c\u985e\u578b\u7684\u96fb\u5b50\u652f\u4ed8\u6700\u8fd1\u4e5f\u958b\u59cb\u7372\u5f97\u66f4\u5ee3\u6cdb\u7684\u63a5\u53d7\u3002 \u9019\u4e9b\u5305\u62ec\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c\u61c9\u7528\u7a0b\u5e8f\u3001\u96fb\u5b50\u8ca8\u5e63\u7684\u985e\u578b\u548c\u5340\u584a\u4e0a\u7684\u65b0\u5b69\u5b50\u3001\u52a0\u5bc6\u8ca8\u5e63\u3001\u7a69\u5b9a\u5e63\u548c\u96f6\u552e CBDC\uff0c\u5118\u7ba1\u53d6\u6c7a\u65bc\u4f7f\u7528\u7684\u652f\u4ed8\u65b9\u5f0f\u3001\u4f7f\u7528\u5b83\u5011\u5c0d\u500b\u4eba\u548c\u6574\u9ad4\u7684\u5f71\u97ff \u91d1\u878d\u7cfb\u7d71\u6703\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n

            \u5118\u7ba1\u5982\u4e0a\u6240\u8ff0\uff0c\u4e00\u500b\u570b\u5bb6\u5f15\u5165\u96f6\u552e CBDC \u7684\u6f5b\u5728\u597d\u8655\u53ef\u80fd\u76f8\u7576\u53ef\u89c0\uff0c\u4f46\u592e\u884c\u6578\u5b57\u8ca8\u5e63\u7684\u5be6\u969b\u90e8\u7f72\u53ef\u80fd\u9700\u8981\u514b\u670d\u5927\u91cf\u6311\u6230\u3002 \u4f8b\u5982\uff0cCBDC \u5f88\u53ef\u80fd\u6703\u7af6\u722d\u76ee\u524d\u5728\u5546\u696d\u9280\u884c\u7cfb\u7d71\u4e2d\u6301\u6709\u7684\u5b58\u6b3e\u3002 \u56e0\u6b64\uff0c\u5982\u679c\u5c07\u4f86\u5ba3\u5e03\u96f6\u552e CBDC \u7684\u5ee3\u6cdb\u4f7f\u7528\uff0c\u53ef\u4ee5\u60f3\u50cf\u8a31\u591a\u9280\u884c\u96f6\u552e\u5ba2\u6236\u6703\u63d0\u53d6\u5b58\u6b3e\uff0c\u4e26\u5c07\u5176\u5b58\u653e\u5728\u96f6\u552e CBDC \u9322\u5305\u4e2d\u3002 \u9019\u5c07\u5c0d\u9280\u884c\u7cfb\u7d71\u7522\u751f\u6f5b\u5728\u7684\u56b4\u91cd\u5f8c\u679c\uff0c\u4e26\u53ef\u80fd\u5927\u5927\u589e\u52a0\u9280\u884c\u5fc5\u9808\u63d0\u4f9b\u7684\u5b58\u6b3e\u5229\u7387\u3002 \u4e0d\u5e78\u7684\u662f\uff0c\u5728\u9280\u884c\u7cfb\u7d71\u4e0d\u592a\u7a69\u5b9a\u7684\u570b\u5bb6\uff0c\u9019\u6a23\u7684\u7d50\u679c\u7279\u5225\u6709\u53ef\u80fd\u767c\u751f\u3002 \u6b64\u5916\uff0c\u7531\u65bc\u96f6\u552e CBDC \u5efa\u7acb\u5728\u6578\u5b57\u7cfb\u7d71\u4e0a\uff0c\u5b83\u5011\u8a18\u9304\u7684\u4ea4\u6613\u7d30\u7bc0\u5c0d\u5a01\u8105\u884c\u70ba\u8005\u4ff1\u6709\u4e0d\u53ef\u6297\u62d2\u7684\u5438\u5f15\u529b\uff0c\u56e0\u6b64\u8207\u7db2\u7d61\u5b89\u5168\u76f8\u95dc\u7684\u554f\u984c\u7d55\u5c0d\u662f\u96f6\u552e CBDC \u672a\u4f86\u7684\u6838\u5fc3\u3002 \u56e0\u6b64\uff0c\u96f6\u552e CBDC \u5468\u570d\u7684\u5b89\u5168\u5354\u8b70\u5fc5\u9808\u8db3\u4ee5\u62b5\u79a6\u6700\u8907\u96dc\u7684\u653b\u64ca\uff0c\u5f9e\u800c\u78ba\u4fdd\u7528\u6236\u6578\u64da\u7684\u5b89\u5168\u3002<\/p>\n\n

            \"\"\/<\/figure>\n\n

            \u4eba\u5011\u9084\u5ee3\u6cdb\u89c0\u5bdf\u5230\uff0c\u96f6\u552e CBDC \u53ef\u80fd\u5f88\u96e3\u5b8c\u5168\u53d6\u4ee3\u73fe\u91d1\uff0c\u56e0\u70ba\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u5f8c\u8005\u53ef\u80fd\u66f4\u5bb9\u6613\u4f7f\u7528\uff0c\u7279\u5225\u662f\u5c0d\u65bc\u90a3\u4e9b\u4e0d\u7fd2\u6163\u4f7f\u7528\u73fe\u4ee3\u6280\u8853\u7684\u4eba\uff0c\u90a3\u4e9b\u7121\u6cd5\u4f7f\u7528\u9019\u7a2e\u6280\u8853\u7684\u4eba \uff0c\u6216\u8005\u90a3\u4e9b\u6839\u672c\u4e0d\u60f3\u5728\u4ed6\u5011\u9032\u884c\u7684\u6bcf\u7b46\u91d1\u878d\u4ea4\u6613\u4e2d\u900f\u9732\u81ea\u5df1\u8eab\u4efd\u7684\u4eba\u3002 \u5c07\u96f6\u552e CBDC \u8207\u96fb\u5b50\u8ca8\u5e63\u9032\u884c\u6bd4\u8f03\uff0c\u63ed\u793a\u4e86\u524d\u8005\u7684\u66f4\u591a\u76f8\u5c0d\u5f31\u9ede\u3002 \u5c31\u5176\u672c\u8eab\u800c\u8a00\uff0c\u96fb\u5b50\u8ca8\u5e63\u5728\u767c\u884c\u548c\u7ba1\u7406\u96fb\u5b50\u8ca8\u5e63\u7684\u79c1\u71df\u90e8\u9580\u516c\u53f8\u7684\u4fc3\u92b7\u6d3b\u52d5\uff08\u4ee5\u53ca\u7531\u6b64\u7522\u751f\u7684\u6d88\u8cbb\u8005\u5229\u76ca\uff09\u65b9\u9762\u4eab\u6709\u512a\u52e2\u3002 \u7531\u65bc\u652f\u7968\u5177\u6709\u66f4\u6709\u5229\u7684\u6cd5\u5f8b\u5730\u4f4d\uff0c\u8207\u5f9e\u6d3b\u671f\u8cec\u6236\u63d0\u53d6\u7684\u50b3\u7d71\u652f\u7968\u76f8\u6bd4\uff0c\u96f6\u552e CBDC \u7684\u8868\u73fe\u4e5f\u4e0d\u4f73\uff1b \u5728\u6cf0\u570b\uff0c\u300a\u5211\u6cd5\u300b\u7b2c 341 \u689d\u6db5\u84cb\u4e86\u6b3a\u8a50\u6027\u4f7f\u7528\u9019\u4e9b\u5167\u5bb9[7]\u3002<\/p>\n\n

            \u5c07\u96f6\u552e CBDC \u8207\u4e00\u7cfb\u5217\u5176\u4ed6\u96fb\u5b50\u652f\u4ed8\u65b9\u5f0f\u9032\u884c\u6bd4\u8f03\u8868\u660e\uff0c\u5b83\u5011\u7684\u76f8\u5c0d\u512a\u52e2\u548c\u52a3\u52e2\u56e0\u66ff\u4ee3\u65b9\u6848\u800c\u7570\u3002 \u9019\u4e9b\u5728\u4e0b\u9762\u63cf\u8ff0\u3002<\/p>\n\n

              \n
            • \u96f6\u552e CBDC \u4ee5\u53ca\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

              \u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u90fd\u662f\u5728\u7dda\u63d0\u4f9b\u9280\u884c\u670d\u52d9\u7684\u6e20\u9053\u3002 \u7531\u65bc\u901a\u904e\u5b83\u5011\u5b8c\u6210\u91d1\u878d\u4ea4\u6613\u7121\u9700\u89aa\u81ea\u524d\u5f80\u9280\u884c\u5206\u884c\u6216\u5c0b\u627e\u9280\u884c\u4ee3\u7406\uff0c\u56e0\u6b64\u4f7f\u7528\u8d77\u4f86\u6975\u5176\u65b9\u4fbf\uff0c\u9019\u4e5f\u662f\u5b83\u5011\u5728\u6cf0\u570b\u8d8a\u4f86\u8d8a\u53d7\u6b61\u8fce\u7684\u539f\u56e0\u4e4b\u4e00\uff08\u5716 6\uff09\u3002 \u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u670d\u52d9\u7684\u7528\u6236\u901a\u5e38\u5c07\u9322\u5b58\u653e\u5728\u67d0\u7a2e\u9280\u884c\u6a5f\u69cb\u4e2d\uff0c\u56e0\u6b64\u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u61c9\u7528\u7a0b\u5e8f\u53ef\u4ee5\u8aaa\u662f\u70ba\u9280\u884c\u50b5\u6b0a\u4eba\u63d0\u4f9b\u7684\u4e00\u9805\u9644\u52a0\u670d\u52d9\u3002 \u7531\u65bc\u9280\u884c\u696d\u7684\u56b4\u683c\u76e3\u7ba1\uff0c\u9019\u4e9b\u50b5\u6b0a\u4eba\u5b58\u653e\u5728\u9280\u884c\u7684\u9322\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u6975\u5176\u5b89\u5168\u7684\u3002 \u9019\u610f\u5473\u8457\u9280\u884c\u7121\u6cd5\u5c07\u5b58\u6b3e\u8fd4\u9084\u7d66\u8cec\u6236\u6301\u6709\u4eba\u7684\u98a8\u96aa\u5f88\u5c0f\uff0c\u5373\u4f7f\u5728\u9280\u884c\u696d\u6975\u5ea6\u56f0\u96e3\u7684\u60c5\u6cc1\u4e0b\uff0c\u96f6\u552e\u5b58\u6b3e\u8cec\u6236\u4e5f\u53d7\u5230\u5b58\u6b3e\u4fdd\u8b77\u6a5f\u69cb\u7684\u4fdd\u8b77[8]\u3002 \u4ee5\u985e\u4f3c\u7684\u65b9\u5f0f\uff0c\u96f6\u552e CBDC \u53ef\u4ee5\u6bd4\u4f5c\u7531\u4e2d\u592e\u9280\u884c\u652f\u6301\u7684\u6578\u5b57\u5316\u73fe\u91d1\u5f62\u5f0f\uff0c\u56e0\u6b64\u53ef\u4ee5\u8aaa CBDC \u662f\u4e2d\u592e\u9280\u884c\u6b20\u516c\u773e\u7684\u4e00\u7a2e\u50b5\u52d9\u5f62\u5f0f\u3002 \u5728\u9019\u65b9\u9762\uff0cCBDC \u518d\u6b21\u985e\u4f3c\u65bc\u73fe\u91d1\uff0c\u5118\u7ba1\u56e0\u70ba\u5b83\u5011\u662f\u9ad8\u79d1\u6280\u6578\u5b57\u7522\u54c1\uff0c\u5b83\u5011\u80fd\u5920\u652f\u6301\u9032\u4e00\u6b65\u7684\u91d1\u878d\u5275\u65b0\uff0c\u4f8b\u5982\u667a\u80fd\u5408\u7d04\u7684\u4f7f\u7528\u3002 \u9019\u662f\u56e0\u70ba CBDC \u63d0\u4f9b\u4e86\u6578\u5b57\u8eca\u8f1b\u7684\u4f7f\u7528\uff0c\u9019\u4e9b\u8eca\u8f1b\u5728\u6eff\u8db3\u7279\u5b9a\u689d\u4ef6\u6642\u57f7\u884c\u4e00\u7d44\u8a73\u7d30\u7684\u6307\u4ee4\uff08\u9019\u5c31\u662f\u5b83\u5011\u7684\u201c\u53ef\u7de8\u7a0b\u6027\u201d\u7684\u542b\u7fa9\uff09\u3002 \u56e0\u6b64\uff0cCBDC \u6709\u6f5b\u529b\u652f\u6301\u5176\u4ed6\u6578\u5b57\u7cfb\u7d71\u7684\u958b\u767c\uff0c\u4f8b\u5982\u8cc7\u7522\u6a19\u8a18\u5316\u3001\u5b58\u5132\u548c\u78ba\u8a8d\u6578\u5b57\u8eab\u4efd\u4ee5\u53ca\u5275\u5efa\u6578\u5b57\u9322\u5305\u3002<\/p>\n\n

              \"\"\/<\/figure>\n\n
                \n
              • \u96f6\u552e CBDC \u548c\u52a0\u5bc6\u8ca8\u5e63 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ul>\n\n

                \u96f6\u552e CBDC \u548c\u52a0\u5bc6\u8ca8\u5e63\u90fd\u5c07\u5728\u672a\u4f86\u7684\u91d1\u878d\u683c\u5c40\u4e2d\u4f54\u64da\u91cd\u8981\u5730\u4f4d\uff0c\u56e0\u70ba\u5b83\u5011\u90fd\u90e8\u5206\u6216\u5168\u90e8\u4f9d\u8cf4\u65bc\u5340\u584a\u934a\u7b49\u65b0\u6280\u8853\uff0c\u4f46\u5728\u8a31\u591a\u7d30\u7bc0\u4e0a\uff0c\u70ba\u5b83\u5011\u63d0\u4f9b\u52d5\u529b\u7684\u6280\u8853\u8207 \u6307\u5c0e\u4ed6\u5011\u767c\u5c55\u7684\u9858\u666f\u3002<\/p>\n\n

                \u6bd4\u7279\u5e63 (BTC) \u548c\u4ee5\u592a\u574a (ETH) \u7b49\u52a0\u5bc6\u8ca8\u5e63\u662f\u4e00\u7a2e\u6578\u5b57\u8cc7\u7522\uff0c\u9867\u540d\u601d\u7fa9\uff0c\u5b83\u5011\u4f7f\u7528\u52a0\u5bc6\u904e\u7a0b\u3002 \u9019\u4e9b\u8ca8\u5e63\u57fa\u65bc\u5340\u584a\u93c8\u6280\u8853\uff0c\u56e0\u6b64\u6d89\u53ca\u9019\u4e9b\u7684\u4ea4\u6613\u8a18\u9304\u5728\u5206\u4f48\u5f0f\u5206\u985e\u8cec\u4e0a\u3002 \u56e0\u6b64\uff0c\u689d\u76ee\u662f\u901a\u904e\u7db2\u7d61\u7bc0\u9ede\u4e4b\u9593\u7684\u5171\u8b58\u4f86\u78ba\u8a8d\u548c\u8a18\u9304\u7684\uff0c\u9019\u500b\u904e\u7a0b\u6709\u52a9\u65bc\u78ba\u4fdd\u5f88\u96e3\u5c0d\u65e9\u671f\u4ea4\u6613\u9032\u884c\u66f4\u6539\u6216\u7de8\u8f2f\u3002 \u5728\u8de8\u5883\u652f\u4ed8\u7684\u60c5\u6cc1\u4e0b\uff0c\u52a0\u5bc6\u8ca8\u5e63\u56e0\u6b64\u5177\u6709\u96d9\u91cd\u4f5c\u7528\uff0c\u65e2\u662f\u8cc7\u7522\u53c8\u662f\u4ea4\u6613\u6536\u53d6\u7684\u670d\u52d9\u8cbb\u3002 \u7136\u800c\uff0c\u52a0\u5bc6\u8ca8\u5e63\u662f\u7531\u79c1\u71df\u90e8\u9580\u7d44\u7e54\u767c\u884c\u7684\uff0c\u4e26\u4e14\u901a\u5e38\u6c92\u6709\u5176\u4ed6\u8cc7\u7522\u652f\u6301\uff0c\u9019\u7a2e\u60c5\u6cc1\u5c0e\u81f4\u52a0\u5bc6\u8ca8\u5e63\u4ea4\u6613\u6240\u7684\u50f9\u683c\u96a8\u8457\u6295\u6a5f\u58d3\u529b\u7684\u6d88\u9577\u800c\u6975\u5ea6\u6ce2\u52d5\u3002 \u9019\u7a2e\u9ad8\u6ce2\u52d5\u6027\u7684\u4e00\u500b\u7d50\u679c\u662f\uff0c\u52a0\u5bc6\u8ca8\u5e63\u5c1a\u672a\u4f5c\u70ba\u4e00\u7a2e\u652f\u4ed8\u65b9\u5f0f\u53d7\u5230\u9752\u775e\uff08TDRI\uff0c2022\uff09[9]\u3002 \u5c31\u6cf0\u570b\u7684\u5177\u9ad4\u60c5\u6cc1\u800c\u8a00\uff0c\u8b49\u5238\u4ea4\u6613\u59d4\u54e1\u6703 (SEC) \u9084\u8b66\u544a\u8aaa\uff0c\u52a0\u5bc6\u8ca8\u5e63\u61c9\u88ab\u8996\u70ba\u9ad8\u98a8\u96aa\u8cc7\u7522\uff0c\u56e0\u6b64\uff0c\u53ea\u6709\u5145\u5206\u4e86\u89e3\u98a8\u96aa\u4e14\u4e0d\u77e5\u60c5\u7684\u4eba\u624d\u80fd\u5c0d\u9019\u4e9b\u8cc7\u7522\u9032\u884c\u6295\u8cc7 \u6e96\u5099\u770b\u5230\u4ed6\u5011\u7684\u6295\u8cc7\u53ef\u80fd\u5931\u53bb\u6240\u6709\u50f9\u503c[10]\u3002\u6b64\u5916\uff0c\u5728\u6cf0\u570b\uff0c\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u4f5c\u70ba\u652f\u4ed8\u65b9\u5f0f\u4e5f\u53d7\u5230\u67d0\u4e9b\u6cd5\u5f8b\u9650\u5236[11]\u3002<\/p>\n\n

                \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u96d6\u7136\u96f6\u552e CBDC \u4e5f\u662f\u6578\u5b57\u8ca8\u5e63\uff0c\u4e26\u4e14\u50cf\u52a0\u5bc6\u8ca8\u5e63\u4e00\u6a23\uff0c\u5b83\u5011\u53ef\u80fd\u6703\u8a18\u9304\u5728\u5340\u584a\u93c8\u4e0a\uff0c\u4f46\u5b83\u5011\u5be6\u969b\u4e0a\u662f\u4e2d\u592e\u9280\u884c\u5728\u6578\u5b57\u7a7a\u9593\u4e2d\u7dad\u8b77\u7684\u4e00\u7a2e\u73fe\u91d1\u3002 \u56e0\u6b64\uff0cCBDC \u7684\u50f9\u503c\u9ad8\u5ea6\u7a69\u5b9a\uff0c\u4e2d\u592e\u9280\u884c\u53ef\u4ee5\u6aa2\u67e5\u4ea4\u6613\u4ee5\u78ba\u8a8d CBDC \u6c92\u6709\u88ab\u7528\u65bc\u975e\u6cd5\u76ee\u7684\uff0c\u4f8b\u5982\u6d17\u9322\u6216\u8cc7\u52a9\u6050\u6016\u4e3b\u7fa9\u3002<\/p>\n\n

                \"\"\/<\/figure>\n\n

                \u56e0\u6b64\uff0c\u7576\u6211\u5011\u6bd4\u8f03 CBDC \u548c\u52a0\u5bc6\u8ca8\u5e63\u6642\uff0c\u6211\u5011\u767c\u73fe\u5b83\u5011\u65e2\u4e0d\u76f8\u540c\u4e5f\u4e0d\u5b8c\u5168\u4e0d\u540c\uff1b \u5b83\u5011\u5be6\u969b\u4e0a\u662f\u540c\u4e00\u500b\u8ca1\u52d9\u672a\u4f86\u7684\u5169\u500b\u65b9\u9762\u3002 \u4e00\u65b9\u9762\uff0cCBDCs \u5c07\u5728\u5e6b\u52a9\u66f4\u5bb9\u6613\u5b8c\u6210\u570b\u5167\u91d1\u878d\u4ea4\u6613\u65b9\u9762\u767c\u63ee\u91cd\u8981\u4f5c\u7528\uff0c\u5728\u9019\u6a23\u505a\u7684\u904e\u7a0b\u4e2d\uff0c\u5b83\u5011\u5c07\u6709\u52a9\u65bc\u8fce\u4f86\u4e00\u500b\u66f4\u5168\u9762\u7684\u6578\u5b57\u793e\u6703\u7684\u7e41\u69ae\uff0c\u540c\u6642\u4e5f\u4f7f\u5b83\u8b8a\u5f97\u66f4\u52a0\u56f0\u96e3\u3002 \u70ba\u975e\u6cd5\u5546\u54c1\u6216\u670d\u52d9\u4ed8\u6b3e\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u52a0\u5bc6\u8ca8\u5e63\u7684\u4e3b\u8981\u512a\u52e2\u5728\u65bc\u5176\u53bb\u4e2d\u5fc3\u5316\u548c\u975e\u4e2d\u4ecb\u7d50\u69cb\uff0c\u4e26\u4e14\u7531\u65bc\u9019\u4f7f\u5f97\u4efb\u4f55\u500b\u4eba\u6216\u6a5f\u69cb\u66f4\u96e3\u4ee5\u5b8c\u5168\u63a7\u88fd\u6216\u9650\u5236\u5b83\u5011\uff0c\u9019\u53ef\u80fd\u5c0e\u81f4\u5b83\u5011\u88ab\u7528\u65bc\u66f4\u591a\u53ef\u7591\u7684\u6d3b\u52d5\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

                \"\"\/<\/figure>\n\n

                CBDCs overseas<\/strong> \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

                \u5728\u904e\u53bb\u5e7e\u5e74\u4e2d\uff0c\u4eba\u5011\u5c0d\u4e0d\u540c\u985e\u578b\u6578\u5b57\u8cc7\u7522\u7684\u8208\u8da3\u6025\u5287\u4e0a\u5347\uff0c\u5176\u4e2d\u5305\u62ec\u5c0d CBDC \u5728\u66f4\u5ee3\u6cdb\u7d93\u6fdf\u4e2d\u7684\u4f5c\u7528\u7684\u5ee3\u6cdb\u8a0e\u8ad6\u3002 \u56e0\u6b64\uff0c\u8ca0\u8cac\u7814\u7a76\u8207\u7d93\u6fdf\u3001\u653f\u6cbb\u548c\u5b89\u5168\u76f8\u95dc\u7684\u91cd\u8981\u554f\u984c\u7684\u7f8e\u570b\u7121\u9ee8\u6d3e\u6a5f\u69cb\u5927\u897f\u6d0b\u7406\u4e8b\u6703\u5831\u544a\u7a31\uff0c\u622a\u81f3 2022 \u5e74 8 \u6708\uff0c\u5df2\u6709 105 \u500b\u570b\u5bb6\u8868\u793a\u6709\u8208\u8da3\u958b\u767c CBDC\uff0c\u9019\u4e9b\u7d93\u6fdf\u9ad4\u5305\u62ec \u4f54\u5168\u7403GDP\u768495%\u3002 \u9019\u4e9b\u6578\u5b57\u53cd\u6620\u4e86\u904e\u53bb\u5169\u5e74\u4e2d\u570d\u7e5e CBDC \u7684\u516c\u5171\u8a0e\u8ad6\u6025\u5287\u589e\u52a0\uff0c\u56e0\u70ba\u622a\u81f3 2020 \u5e74 5 \u6708\uff0c\u53ea\u6709 35 \u500b\u570b\u5bb6\u6b63\u5728\u8003\u616e\u958b\u767c\u81ea\u5df1\u7684 CBDC\u3002 \u6b64\u5916\uff0c\u8d85\u904e 50 \u500b\u570b\u5bb6\u76ee\u524d\u6b63\u8655\u65bc\u7814\u7a76\u548c\u958b\u767c CBDC \u7684\u6700\u5f8c\u968e\u6bb5\uff0c\u5c0d\u65bc\u9019\u4e9b\u570b\u5bb6\u4f86\u8aaa\uff0c\u4e0b\u4e00\u968e\u6bb5\u662f\u958b\u59cb\u5be6\u969b\u4f7f\u7528\u65b0\u8ca8\u5e63\uff0c\u9019\u5df2\u7d93\u662f\u6b63\u5f0f\u63a8\u51fa\u7684 10 \u500b\u570b\u5bb6\u9081\u51fa\u7684\u4e00\u6b65 \u51fa\u4ed6\u5011\u81ea\u5df1\u7684 CBDC\u3002 \u4e0b\u6587\u8a73\u7d30\u4ecb\u7d39\u4e86\u5404\u570b\u5728 CBDC \u767c\u5c55\u65b9\u9762\u53d6\u5f97\u7684\u9032\u5c55\u3002<\/p>\n\n

                  \n
                1. \u7814\u7a76\uff1a\u8655\u65bc\u958b\u767c\u9031\u671f\u9019\u4e00\u968e\u6bb5\u7684\u570b\u5bb6\u6b63\u5728\u8058\u8acb\u5b78\u8005\u548c\u5176\u4ed6\u5728\u91d1\u878d\u7522\u54c1\u65b9\u9762\u5177\u6709\u5c08\u696d\u77e5\u8b58\u7684\u500b\u4eba\u4f86\u7814\u7a76\u958b\u767c\u81ea\u5df1\u7684 CBDC \u7684\u5f71\u97ff\u3002 \u9019\u9805\u5de5\u4f5c\u6d89\u53ca\u8abf\u67e5\u570b\u5167\u548c\u570b\u969b\u6848\u4f8b\u7814\u7a76\uff0c\u4e26\u63a2\u7d22\u4f7f\u7528\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\u53ef\u80fd\u7522\u751f\u7684\u5f71\u97ff\u3002 \u76ee\u524d\u670946\u500b\u570b\u5bb6\u8655\u65bc\u9019\u4e00\u968e\u6bb5\uff0c\u5305\u62ec\u5967\u5730\u5229\u3001\u51b0\u5cf6\u3001\u5370\u5ea6\u5c3c\u897f\u4e9e\u3001\u8001\u64be\u3001\u7dec\u7538\u3001\u5df4\u57fa\u65af\u5766\u3001\u53f0\u7063\u3001\u82f1\u570b\u3001\u7f8e\u570b\u548c\u8d8a\u5357\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                2. \u767c\u5c55\uff1a\u5728\u5468\u671f\u7684\u9019\u4e00\u9ede\u4e0a\uff0cCBDC \u958b\u59cb\u5728\u53d7\u63a7\u74b0\u5883\u4e2d\u4f7f\u7528\uff0c\u4ee5\u4fbf\u5728\u6b63\u5f0f\u90e8\u7f72\u66f4\u5ee3\u6cdb\u7684\u89d2\u8272\u4e4b\u524d\uff0c\u53ef\u4ee5\u907f\u514d\u5c0d\u7d93\u6fdf\u7cfb\u7d71\u9020\u6210\u4efb\u4f55\u98a8\u96aa\u7684\u65b9\u5f0f\u6e2c\u8a66\u5176\u64cd\u4f5c\u3002 \u76ee\u524d\u6709 26 \u500b\u570b\u5bb6\u8655\u65bc\u958b\u767c CBDC \u7684\u968e\u6bb5\uff0c\u5176\u4e2d\u5305\u62ec\u6fb3\u5927\u5229\u4e9e\u3001\u5df4\u897f\u3001\u67ec\u57d4\u5be8\u3001\u52a0\u62ff\u5927\u3001\u611b\u6c99\u5c3c\u4e9e\u3001\u6cd5\u570b\u3001\u5fb7\u570b\u3001\u4ee5\u8272\u5217\u3001\u610f\u5927\u5229\u3001\u65e5\u672c\u3001\u9ece\u5df4\u5ae9\u3001\u8377\u862d\u3001\u897f\u73ed\u7259\u3001\u745e\u58eb\u548c\u571f\u8033\u5176\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                3. \u8a66\u9ede\uff1a\u5728\u8a66\u9ede\u968e\u6bb5\uff0c\u5404\u570b\u958b\u59cb\u5141\u8a31 CBDC \u7528\u65bc\u7d50\u7b97\u5be6\u969b\u4ea4\u6613\u4e26\u4fc3\u9032\u5177\u6709\u771f\u6b63\u5e02\u5834\u50f9\u503c\u7684\u5546\u54c1\u4ea4\u63db\u3002 \u4f46\u662f\uff0cCBDC \u7684\u4f7f\u7528\u4ecd\u7136\u50c5\u9650\u65bc\u53c3\u8207\u8a66\u9ede\u8a08\u5283\u7684\u6388\u6b0a\u4eba\u54e1\u6216\u7d44\u7e54\u3002 \u901a\u5e38\uff0c\u8a66\u9ede\u8a08\u5283\u7684\u8a3b\u518a\u50c5\u9650\u65bc\u91d1\u878d\u6a5f\u69cb\uff0c\u56e0\u6b64\u5728\u9019\u4e9b\u6a5f\u69cb\u4e2d\uff0c\u65b0\u8ca8\u5e63\u7684\u4f7f\u7528\u662f\u4f5c\u70ba\u6279\u767c CBDC\u3002 \u76ee\u524d\u6709 14 \u500b\u570b\u5bb6\/\u5730\u5340\u6b63\u5728\u8a66\u9ede CBDC\uff1a\u4e2d\u570b\u3001\u9999\u6e2f\u3001\u54c8\u85a9\u514b\u65af\u5766\u3001\u99ac\u4f86\u897f\u4e9e\u3001\u4fc4\u7f85\u65af\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u3001\u65b0\u52a0\u5761\u3001\u5357\u975e\u3001\u97d3\u570b\u3001\u745e\u5178\u3001\u963f\u806f\u914b\u3001\u70cf\u514b\u862d\u548c\u6cf0\u570b\u672c\u8eab\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                4. \u555f\u52d5\uff1a\u5728\u5176\u4f5c\u70ba\u6279\u767c CBDC \u90e8\u7f72\u4e4b\u5f8c\uff0c\u5f15\u5165 CBDC \u7684\u570b\u5bb6\u96a8\u5f8c\u5c07\u5ba3\u5e03 CBDC \u6b63\u5f0f\u958b\u653e\u4f9b\u4f01\u696d\u548c\u500b\u4eba\u4f7f\u7528\u3002 \u6b64\u6642\uff0c\u500b\u4eba\u53ef\u80fd\u6703\u9078\u64c7\u4f7f\u7528\u65b0\u7684\u6578\u5b57\u8ca8\u5e63\u4f86\u8cfc\u8cb7\u5546\u54c1\u6216\u652f\u4ed8\u8cec\u55ae\uff0c\u5c31\u50cf\u4ed6\u5011\u4ee5\u524d\u4f7f\u7528\u73fe\u91d1\u4e00\u6a23\u3002 \u76ee\u524d\u5df2\u670911\u500b\u570b\u5bb6\u9032\u5165\u9019\u4e00\u968e\u6bb5\uff0c\u5305\u62ec\u5df4\u54c8\u99ac\u3001\u7259\u8cb7\u52a0\u3001\u5c3c\u65e5\u5229\u4e9e\u7b498\u500b\u52a0\u52d2\u6bd4\u570b\u5bb6[12]\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                5. \u53d6\u6d88\uff1a\u5c11\u6578\u570b\u5bb6\u5df2\u7d93\u653e\u68c4\u4e86\u958b\u767c CBDC \u7684\u8a08\u5283\uff0c\u56e0\u70ba\u5728\u7814\u7a76\u968e\u6bb5\u9047\u5230\u4e86\u7121\u6cd5\u9810\u6599\u7684\u554f\u984c\u3002 \u9019\u4e9b\u90fd\u8db3\u4ee5\u5c0e\u81f4\u6574\u500b\u9805\u76ee\u88ab\u66ab\u505c\uff0cCBDC \u88ab\u653e\u68c4\uff0c\u5118\u7ba1\u8fc4\u4eca\u70ba\u6b62\uff0c\u53ea\u6709\u5384\u74dc\u591a\u723e\u548c\u585e\u5167\u52a0\u723e\u7d93\u6b77\u904e\u9019\u7a2e\u60c5\u6cc1\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                6. \u4e0d\u6d3b\u8e8d\uff1a\u5728\u9019\u4e9b\u570b\u5bb6\uff0c\u4e2d\u592e\u9280\u884c\u5df2\u7d93\u958b\u59cb\u7814\u7a76 CBDC \u7684\u767c\u5c55\uff0c\u4f46\u76ee\u524d\uff0c\u9019\u4e9b\u570b\u5bb6\u65e2\u6c92\u6709\u63a8\u9032 CBDC \u7684\u767c\u5c55\uff0c\u4e5f\u6c92\u6709\u5b98\u65b9\u516c\u544a\u8868\u660e\u8a72\u8a08\u5283\u5df2\u88ab\u653e\u68c4\u3002 \u6709 10 \u500b\u570b\u5bb6\/\u5730\u5340\u7684 CBDC \u8a08\u5283\u4e0d\u6d3b\u8e8d\uff0c\u5305\u62ec\u5eab\u62c9\u7d22\u5cf6\u3001\u4e39\u9ea5\u3001\u82ac\u862d\u548c\u70cf\u62c9\u572d\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n\n\n\n
                7. \u5176\u4ed6\uff1a\u4e00\u4e9b\u570b\u5bb6\u5c1a\u672a\u6b63\u5f0f\u958b\u59cb CBDC \u7684\u5de5\u4f5c\uff0c\u800c\u5176\u4ed6\u570b\u5bb6\u5247\u6c92\u6709\u900f\u9732\u4ed6\u5011\u5728\u958b\u767c\u81ea\u5df1\u7684\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\u7684\u9053\u8def\u4e0a\u53d6\u5f97\u4e86\u591a\u5927\u9032\u5c55\uff0c\u5118\u7ba1\u4ed6\u5011\u53ef\u80fd\u5df2\u7d93\u958b\u767c\u4e86\u7ba1\u7406\u6578\u5b57\u9322\u5305\u7684\u7cfb\u7d71\u6216\u5efa\u7acb\u4e86 \u65b0\u7684\u570b\u5167\u652f\u4ed8\u57fa\u790e\u8a2d\u65bd\u3002 \n \n\u00a0 \n \n\u00a0<\/li>\n<\/ol>\n\n
                  \"\"\/<\/figure>\n\n

                  \u5118\u7ba1\u7e3d\u7684\u4f86\u8aaa\uff0cCBDC \u5728\u5168\u7403\u592e\u884c\u4e2d\u5f15\u8d77\u4e86\u5f88\u5927\u8208\u8da3\uff0c\u4f46\u5728\u5384\u74dc\u591a\u723e\u548c\u585e\u5167\u52a0\u723e\uff0c\u7576\u5730\u7684\u56f0\u96e3\u5c0e\u81f4\u5b83\u5011\u88ab\u653e\u68c4\u3002 \u5c31\u5384\u74dc\u591a\u723e\u800c\u8a00\uff0c2014 \u5e74\u63a8\u51fa\u4e86\u540d\u70ba Dinero Electr\u00f3nico (DE) \u7684\u570b\u5bb6 CBDC\uff0c\u4f46\u7531\u65bc\u5176\u4f7f\u7528\u554f\u984c\u8d8a\u4f86\u8d8a\u56b4\u91cd\uff0c\u8a72\u6578\u5b57\u8ca8\u5e63\u65bc 2018 \u5e74 3 \u6708\u88ab\u64a4\u92b7\u3002 DE \u7684\u7f3a\u9ede\u662f\u5b83\u53ea\u80fd\u7528\u65bc\u652f\u4ed8\u570b\u5167\u767c\u751f\u7684\u4ea4\u6613\uff08\u7528\u5b83\u4f86\u652f\u4ed8\u570b\u969b\u4ea4\u6613\u5b58\u5728\u554f\u984c\uff09\u4e26\u4e14\u516c\u773e\u5c0d DE \u80cc\u5f8c\u7684\u91d1\u878d\u7d50\u69cb\u611f\u5230\u56f0\u60d1\uff0c\u56e0\u70ba\u5118\u7ba1\u5b83\u662f \u4e0d\u662f\u4ee5\u7f8e\u5143\u70ba\u5f8c\u76fe\uff0c\u800c\u662f\u4ee5\u7f8e\u5143\u8a08\u50f9\u7684\u8cc7\u7522\u70ba\u5f8c\u76fe\u3002 \u7576\u5730\u5a92\u9ad4\u9032\u4e00\u6b65\u6df7\u6dc6\u8996\u807d\uff0c\u932f\u8aa4\u5730\u8072\u7a31 DE \u88ab\u7528\u4f86\u652f\u6301\u975e\u6cd5\u6d3b\u52d5\u4e26\u4fb5\u72af\u4e86\u7528\u6236\u7684\u96b1\u79c1\uff0c\u800c\u79c1\u71df\u90e8\u9580\u5c0d\u8a72\u9805\u76ee\u5f9e\u672a\u7522\u751f\u597d\u611f\uff0c\u7279\u5225\u662f\u5546\u696d\u9280\u884c\u90e8\u9580\u4ecd\u7136\u5c0d\u8a72\u8ca8\u5e63\u6301\u6575\u5c0d\u614b\u5ea6 \u4f7f\u7528\uff0c\u64d4\u5fc3\u5982\u679c DE \u53d6\u5f97\u9032\u5c55\uff0c\u9019\u5c07\u6436\u596a\u9280\u884c\u5728\u652f\u4ed8\u7cfb\u7d71\u4e2d\u7684\u4e2d\u5fc3\u5730\u4f4d\u3002 \u5728\u585e\u5167\u52a0\u723e\uff0c\u7576\u5730\u7684\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63 eCFA \u65bc 2016 \u5e74\u958b\u59cb\u4f7f\u7528\uff0c\u4f46\u5546\u696d\u9280\u884c\u64d4\u5fc3 eCFA \u8207\u7576\u5730\u8ca8\u5e63\u897f\u975e\u975e\u6d32\u91d1\u878d\u5171\u540c\u9ad4\u6cd5\u90ce [13] \u4e4b\u9593\u53ef\u80fd\u5b58\u5728\u6df7\u6dc6\uff0c\u9019\u767c\u5c55\u6210\u70ba\u5fb9\u5e95\u7684\u53cd\u5c0d\uff0c\u6700\u7d42\u4ee5 \u653e\u68c4\u585e\u5167\u52a0\u723e\u7684 CBDC\u3002 \u81f3\u6b64\uff0cDE \u548c eCFA \u6210\u70ba\u4e16\u754c\u4e0a\u7b2c\u4e00\u500b\u4e5f\u662f\u6700\u9577\u58fd\u7684 CBDC \u7684\u5922\u60f3\u7834\u6ec5\u4e86\u3002<\/p>\n\n

                  \u5f9e\u5384\u74dc\u591a\u723e\u548c\u585e\u5167\u52a0\u723e\u7684\u7d93\u9a57\u4e2d\u53ef\u4ee5\u5f97\u51fa\u7684\u6559\u8a13\u662f\uff0c\u592e\u884c\u5728\u767c\u5c55\u96f6\u552e CBDC \u6642\uff0c\u9664\u4e86\u8981\u78ba\u4fdd\u8ca8\u5e63\u7684\u5b89\u5168\u6027\u548c\u80cc\u5f8c\u6280\u8853\u7684\u53ef\u884c\u6027\u5916\uff0c\u53ea\u80fd\u9010\u6b65\u5411\u7d42\u7aef\u7528\u6236\u63a8\u51fa\u8ca8\u5e63\uff0c \u5728\u958b\u767c\u7684\u6240\u6709\u968e\u6bb5\uff0c\u6e2c\u8a66\u90fd\u61c9\u8a72\u662f\u5fb9\u5e95\u548c\u9023\u7e8c\u7684\u3002 \u56e0\u6b64\uff0c\u65b0\u7684 CBDC \u61c9\u8a72\u88ab\u5b9a\u4f4d\u70ba\u4e00\u7a2e\u652f\u4ed8\u9078\u64c7\uff0c\u8207\u6d88\u8cbb\u8005\u5df2\u7d93\u719f\u6089\u7684\u786c\u5e63\u548c\u7d19\u5e63\u4e26\u99d5\u9f4a\u9a45\uff1b CBDC \u7684\u9010\u6b65\u5f15\u5165\u5c07\u5e6b\u52a9\u516c\u773e\u548c\u5546\u696d\u90e8\u9580\u9010\u6f38\u719f\u6089\u9019\u7a2e\u8ca8\u5e63\uff0c\u96a8\u8457\u9019\u7a2e\u60c5\u6cc1\u7684\u767c\u751f\uff0c\u6050\u61fc\u548c\u53cd\u5c0d\u5c07\u6703\u6d88\u9000\u3002 \u8207\u6b64\u540c\u6642\uff0c\u4e2d\u592e\u9280\u884c\u5c07\u9700\u8981\u958b\u5c55\u5168\u9762\u7684\u516c\u773e\u6559\u80b2\u6d3b\u52d5\uff0c\u4ee5\u78ba\u4fdd\u5404\u65b9\u4e86\u89e3 CBDC \u5728\u570b\u5167\u7684\u4f7f\u7528\u65b9\u5f0f\uff0c\u5b83\u8207\u666e\u901a\u8ca8\u5e63\u548c\u52a0\u5bc6\u8ca8\u5e63\u7684\u7570\u540c\uff0c\u4ee5\u53ca CBDC \u7684\u50f9\u503c\u5982\u4f55\u3002 CBDC \u5df2\u78ba\u5b9a\uff0c\u4ee5\u53ca\u5982\u4f55\u5408\u6cd5\u5730\u4f7f\u7528\u5b83\u9032\u884c\u652f\u4ed8\u3002 \u9019\u5c07\u6709\u52a9\u65bc\u5efa\u7acb\u5c0d\u65b0\u8ca8\u5e63\u7684\u4fe1\u5fc3\uff0c\u4e26\u5411\u516c\u773e\u4fdd\u8b49\uff0c\u7121\u8ad6\u5728\u6b63\u5e38\u60c5\u6cc1\u4e0b\u9084\u662f\u7570\u5e38\u60c5\u6cc1\u4e0b\uff0c\u5b83\u90fd\u662f\u4ed6\u5011\u5b89\u5168\u6709\u6548\u7684\u9078\u64c7\u3002<\/p>\n\n

                  \"\"\/<\/figure>\n\n

                  \u6cf0\u570b CBDC \u7684\u767c\u5c55\uff1a\u6cf0\u570b\u91d1\u878d\u696d\u7684\u65b0\u9bae\u8840\u6db2 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

                  \u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u6cf0\u570b\u5728\u958b\u767c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff0c\u7279\u5225\u662f\u6279\u767c CBDC \u65b9\u9762\u53d6\u5f97\u7684\u9032\u5c55\u4ee4\u4eba\u5370\u8c61\u6df1\u523b\u3002 \u4e8b\u5be6\u4e0a\uff0c\u666e\u83ef\u6c38\u9053 2021 \u5e74\u5168\u7403 CBDC \u6307\u6578\uff082021 \u5e74 4 \u6708\u767c\u5e03\uff09\u5f97\u5206\u70ba 80\uff0c\u5728\u5168\u7403\u9280\u884c\u9593 CBDC\uff08\u6279\u767c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\u7684\u53e6\u4e00\u500b\u540d\u7a31\uff09\u6392\u884c\u699c\u4e2d\uff0c\u6cf0\u570b\u548c\u9999\u6e2f\u7279\u5225\u884c\u653f\u5340\u6392\u540d\u7b2c\u4e00\u3002<\/p>\n\n

                  \"\"\/<\/figure>\n\n
                  \"\"\/<\/figure>\n\n

                  \u9019\u4e00\u6210\u529f\u6b78\u529f\u65bc\u6cf0\u570b\u9280\u884c\u8207\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40 (HKMA) \u4e4b\u9593\u7684\u5bc6\u5207\u5408\u4f5c\uff0c\u81ea 2019 \u5e74\u4ee5\u4f86\uff0c\u96d9\u65b9\u5c31 LionRock-Inthanon \u806f\u5408\u9805\u76ee\u958b\u5c55\u4e86\u5408\u4f5c\u3002 \u91d1\u7ba1\u5c40\u65bc 2017 \u5e74\u555f\u52d5\u4e86 LionRock \u8a08\u5283\uff0c\u5373\u91d1\u7ba1\u5c40\u6279\u767c CBDC \u7684\u4ee3\u865f\uff0c\u4f46\u770b\u5230 CBDC \u5728\u4fc3\u9032\u570b\u5167\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u4e43\u81f3\u8de8\u5883\u4ea4\u6613\u65b9\u9762\u7684\u6f5b\u5728\u50f9\u503c\uff0c\u8a72\u9280\u884c\u958b\u59cb\u7814\u7a76\u548c\u958b\u767c\u9069\u5408\u90e8\u7f72\u7684 CBDC \u5728\u96d9\u908a\u8de8\u5883\u7528\u4f8b\u4e2d\u3002 \u6b64\u5f8c\uff0c\u91d1\u7ba1\u5c40\u65bc 2021 \u5e74\u8207\u570b\u969b\u6e05\u7b97\u9280\u884c (BIS) \u4ee5\u53ca\u4e2d\u570b\u548c\u963f\u806f\u914b\u7684\u4e2d\u592e\u9280\u884c\u5408\u4f5c\uff0c\u81f4\u529b\u65bc\u958b\u767c\u5354\u8abf\u66f4\u5ee3\u6cdb\u570b\u754c\u7684\u6279\u767c CBDC \u4ea4\u6613\u6240\u9700\u7684\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u3002 \u9019\u5c0e\u81f4\u8a72\u9805\u76ee\u88ab\u64f4\u5c55\u70ba\u591a\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff0c\u6216\u53ef\u7528\u65bc\u591a\u500b\u53f8\u6cd5\u7ba1\u8f44\u5340\u548c\u591a\u7a2e\u8ca8\u5e63\u7684 m-CBDC \u6a4b\u63a5\u5668\u3002<\/p>\n\n

                  \u5f15\u5165\u96f6\u552e CBDC \u986f\u7136\u662f\u767c\u5c55\u4e00\u500b\u570b\u5bb6\u7684\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u548c\u63d0\u9ad8\u652f\u4ed8\u7cfb\u7d71\u7684\u901f\u5ea6\u3001\u6548\u7387\u548c\u8a2a\u554f\u7684\u4e00\u500b\u53d7\u6b61\u8fce\u7684\u9078\u64c7\u3002 \u56e0\u6b64\uff0c\u6cf0\u570b\u9280\u884c\u7684\u96f6\u552e CBDC \u53ef\u80fd\u5177\u6709\u4ee5\u4e0b\u7279\u5fb5[14]\u3002<\/p>\n\n

                    \n
                  1. \u7528\u6236\u5c07\u80fd\u5920\u5728\u7dda\uff08\u4f8b\u5982\uff0c\u901a\u904e\u624b\u6a5f\u61c9\u7528\u7a0b\u5e8f\uff09\u548c\u96e2\u7dda\uff08\u4f8b\u5982\uff0c\u901a\u904e\u4f7f\u7528\u4fc3\u9032\u985e\u4f3c\u73fe\u91d1\u4ea4\u6613\u7684\u667a\u80fd\u5361\uff09\u8a2a\u554f\u4ed6\u5011\u7684 CBDC\u3002 \u9019\u5c07\u6709\u52a9\u65bc\u78ba\u4fdd\u6240\u6709\u793e\u6703\u6210\u54e1\u90fd\u80fd\u5920\u4f7f\u7528 CBDC\uff0c\u5f9e\u800c\u7372\u5f97\u5e73\u7b49\u7684\u91d1\u878d\u670d\u52d9\u3002<\/li>\n\n\n\n
                  2. \u70ba\u78ba\u4fdd\u5e73\u7b49\u548c\u516c\u5e73\u7684\u8a2a\u554f\uff0c\u7528\u6236\u4e0d\u61c9\u9762\u81e8\u4efb\u4f55\u5f62\u5f0f\u7684\u6536\u8cbb\u6216\u8cbb\u7528\uff0c\u652f\u4ed8\u6e20\u9053\u61c9\u6709\u6548\u904b\u4f5c\uff0c\u516c\u773e\u61c9\u80fd\u5920\u5728\u6c7a\u5b9a CBDC \u672a\u4f86\u5982\u4f55\u767c\u5c55\u65b9\u9762\u767c\u63ee\u4f5c\u7528\u3002<\/li>\n\n\n\n
                  3. \u96f6\u552e CBDC \u61c9\u8a72\u901a\u904e\u91d1\u878d\u6a5f\u69cb\u6216\u5176\u4ed6\u91d1\u878d\u670d\u52d9\u63d0\u4f9b\u5546\u5206\u767c\u7d66\u6d88\u8cbb\u8005\u548c\u7d93\u6fdf\u9ad4\uff0c\u56e0\u70ba\u4ed6\u5011\u7cbe\u901a\u9019\u65b9\u9762\u7684\u77e5\u8b58\uff0c\u4e26\u4e14\u5728\u78ba\u8a8d\u500b\u4eba\u8eab\u4efd\u548c\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6236\u201d\u6cd5\u898f\u7b49\u9818\u57df\u64c1\u6709\u5c08\u696d\u77e5\u8b58\u3002<\/li>\n\n\n\n
                  4. \u96f6\u552e CBDC \u61c9\u8a72\u901a\u904e\u91d1\u878d\u6a5f\u69cb\u6216\u5176\u4ed6\u91d1\u878d\u670d\u52d9\u63d0\u4f9b\u5546\u5206\u767c\u7d66\u6d88\u8cbb\u8005\u548c\u7d93\u6fdf\u9ad4\uff0c\u56e0\u70ba\u4ed6\u5011\u7cbe\u901a\u9019\u65b9\u9762\u7684\u77e5\u8b58\uff0c\u4e26\u4e14\u5728\u78ba\u8a8d\u500b\u4eba\u8eab\u4efd\u548c\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6236\u201d\u6cd5\u898f\u7b49\u9818\u57df\u64c1\u6709\u5c08\u696d\u77e5\u8b58\u3002<\/li>\n\n\n\n
                  5. \u8a72\u7cfb\u7d71\u61c9\u8a72\u5229\u7528\u80fd\u5920\u5feb\u901f\u7d50\u7b97\u4ea4\u6613\u7684\u4e2d\u5fc3\u5316\u91d1\u878d (CeFi) \u548c\u63d0\u4f9b\u7a69\u5b9a\u6027\u7684\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d (DeFi) \u7684\u512a\u52e2\u3002 \u56e0\u6b64\uff0c\u6d88\u8cbb\u8005\u5c07\u4eab\u53d7\u6700\u9ad8\u6c34\u5e73\u7684\u6548\u7387\u3002<\/li>\n<\/ol>\n\n

                    2022 \u5e74 8 \u6708[15]\uff0c\u6cf0\u570b\u9280\u884c\u516c\u4f48\u4e86\u5176\u5728\u958b\u767c CBDC \u65b9\u9762\u7684\u6700\u65b0\u9032\u5c55\u7684\u8a73\u7d30\u4fe1\u606f\uff0c\u4e26\u8a55\u4f30 CBDC \u5728\u91ce\u5916\u7684\u8868\u73fe\uff0c\u8a72\u9280\u884c\u73fe\u5728\u8a08\u5283\u5728\u5e74\u5e95\u958b\u59cb\u5c0d\u96f6\u552e CBDC \u9032\u884c\u5be6\u6642\u6e2c\u8a66 2022 \u5e74\uff0c\u5118\u7ba1\u6700\u521d\u50c5\u9650\u65bc\u8a66\u9ede\u968e\u6bb5\u3002 BOT \u9084\u5236\u5b9a\u4e86\u6709\u95dc CBDC \u7684\u653f\u7b56\uff0c\u4ee5\u53ca\u5728\u8207\u5546\u696d\u90e8\u9580\u5408\u4f5c\u5efa\u7acb\u96f6\u552e CBDC \u6982\u5ff5\u8b49\u660e\u7684\u5de5\u4f5c\u5f8c\uff0c\u96f6\u552e CBDC \u7684\u8a2d\u8a08\u5728\u672a\u4f86\u53ef\u80fd\u5982\u4f55\u6539\u8b8a\u3002 \u5373\u5c07\u5230\u4f86\u7684\u6e2c\u8a66\u968e\u6bb5\u5c07\u5206\u70ba\u5169\u90e8\u5206\u3002<\/p>\n\n

                      \n
                    1. \u5728\u57fa\u790e\u8ecc\u9053\u671f\u9593\uff0c\u6e2c\u8a66\u5c07\u8a55\u4f30\u7cfb\u7d71\u7684\u6548\u7387\u548c\u5b89\u5168\u6027\uff0c\u9019\u5c07\u6d89\u53ca\u5728\u73fe\u5be6\u751f\u6d3b\u4e2d\u4f7f\u7528\u6578\u5b57\u8ca8\u5e63\u3002 \u56e0\u6b64\uff0c\u5728\u6e2c\u8a66\u9031\u671f\u7684\u9019\u4e00\u968e\u6bb5\uff0c\u96f6\u552e CBDC \u5c07\u7528\u65bc\u5728\u53d7\u9650\u74b0\u5883\u4e0b\u652f\u4ed8\u5546\u54c1\u548c\u670d\u52d9\uff0cBOT \u9078\u64c7\u4e86\u7d04 10,000 \u4eba\u53c3\u8207\u8a72\u9805\u76ee\u3002 \u9664\u4e86\u9019\u4e9b\u4eba\u4e4b\u5916\uff0c3 \u5bb6\u79c1\u71df\u90e8\u9580\u53c3\u8207\u8005\u4e5f\u5c07\u52a0\u5165\u6e2c\u8a66\uff0c\u5176\u4e2d\u5305\u62ec 2 \u5bb6\u9280\u884c\uff08Krungsri \u548c SCB\uff09\u548c\u652f\u4ed8\u63d0\u4f9b\u5546 2C2P\u3002 \u9019\u4e9b\u73fe\u5834\u6e2c\u8a66\u5c07\u5229\u7528\u5fb7\u570b\u516c\u53f8 Giesecke+Devrient[16] \u63d0\u4f9b\u7684\u6280\u8853\uff0c\u4e26\u5c07\u65bc 2022 \u5e74\u5e95\u81f3 2023 \u5e74\u5e74\u4e2d\u9032\u884c\u3002<\/li>\n\n\n\n
                    2. \u5728\u5275\u65b0\u8ecc\u9053\u671f\u9593\uff0c\u5c07\u64f4\u5c55\u6e2c\u8a66\u4ee5\u7814\u7a76\u5982\u4f55\u4f7f\u7528\u6578\u5b57\u8ca8\u5e63\u7684\u53ef\u7de8\u7a0b\u6027\u4f86\u64f4\u5c55 CBDC\uff0c\u4e26\u901a\u904e\u9019\u7a2e\u65b9\u5f0f\u958b\u767c\u65b0\u7684\u5275\u65b0\uff0c\u4f7f\u7528\u8ca8\u5e63\u4f5c\u70ba\u5e73\u53f0\u4f86\u6eff\u8db3\u4f86\u81ea\u5ee3\u6cdb\u548c\u4e0d\u540c\u7528\u6236\u7fa4\u7684\u6d88\u8cbb\u8005\u9700\u6c42\u3002 \u9019\u4e5f\u5c07\u4f7f BOT \u5b8c\u5584\u96f6\u552e CBDC \u7684\u767c\u5c55\uff0c\u4f7f\u5176\u66f4\u9069\u5408\u6cf0\u570b\u793e\u6703\u7684\u7279\u6b8a\u6027\u3002 \u4f01\u696d\u548c\u516c\u773e\u53ef\u4ee5\u4f7f\u7528\u6b64\u529f\u80fd\uff0c\u4ed6\u5011\u80fd\u5920\u5728 2022 \u5e74 8 \u6708 5 \u65e5\u81f3 9 \u6708 12 \u65e5\u8209\u884c\u7684\u201cCBDC \u9ed1\u5ba2\u99ac\u62c9\u677e\u201d\u4e0a\u5c55\u793a\u4ed6\u5011\u7684\u7528\u4f8b\u3002<\/li>\n<\/ol>\n\n

                      \u9280\u884c\u53ca\u91d1\u878d\u754c\u7684\u770b\u6cd5 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

                      \u5982\u4e0a\u6240\u8ff0\uff0c\u4e16\u754c\u5404\u5730\u7684\u4e2d\u592e\u9280\u884c\u90fd\u5728\u958b\u5c55\u958b\u767c CBDC \u7684\u5de5\u4f5c\uff0c\u4f46\u662f\u7576\u9019\u4e9b\u9805\u76ee\u53d6\u5f97\u6210\u679c\u4e26\u4e14 CBDC \u4f5c\u70ba\u4e00\u7a2e\u65b0\u7684\u8ca8\u5e63\u5f62\u5f0f\u958b\u59cb\u4f7f\u7528\u6642\uff0c\u5176\u5f8c\u679c\u53ef\u80fd\u5c0d\u6574\u500b\u7d93\u6fdf\u9ad4\u7684\u5229\u76ca\u76f8\u95dc\u8005\u90fd\u5177\u6709\u91cd\u5927\u610f\u7fa9\uff0c\u7121\u8ad6\u662f\u570b\u5bb6 \u3001\u5546\u696d\u9280\u884c\u6216\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u3001\u5de5\u5546\u90e8\u9580\u6216\u6d88\u8cbb\u8005\u81ea\u5df1\u3002 \u9451\u65bc\u9019\u7a2e\u6f5b\u5728\u7834\u58de\u7684\u898f\u6a21\uff0c\u4f86\u81ea\u91d1\u878d\u90e8\u9580\u7684\u5b78\u8005\u548c\u884c\u696d\u5c08\u5bb6\u76f4\u8a00\u4e0d\u8af1\u5730\u8868\u9054\u4e86\u4ed6\u5011\u5c0d CBDC \u7684\u770b\u6cd5\uff0c\u9019\u4e5f\u8a31\u4e26\u4e0d\u5947\u602a\u3002 \u5176\u4e2d\uff0c\u7f8e\u806f\u5132\u4e3b\u5e2d\u6770\u7f85\u59c6\u00b7\u9b91\u5a01\u723e (Jerome Powell) \u53ef\u80fd\u662f\u8a72\u9818\u57df\u6700\u5177\u5f71\u97ff\u529b\u7684\u8072\u97f3\u4e4b\u4e00\uff0c\u4ed6\u66fe\u8868\u793a\uff0c\u4ed6\u5ee3\u6cdb\u652f\u6301 CBDC\uff0c\u56e0\u70ba CBDC \u7684\u5f15\u5165\u610f\u5473\u8457\u6d88\u8cbb\u8005\u6301\u6709\u7a69\u5b9a\u5e63\u6216\u5176\u4ed6\u985e\u578b\u7684\u52a0\u5bc6\u8ca8\u5e63\u7684\u7a4d\u6975\u6027\u6703\u964d\u4f4e . \u9b91\u5a01\u723e\u9084\u8868\u793a\uff0cCBDC \u5c07\u63d0\u4f9b\u4e00\u7a2e\u65b9\u5f0f\uff0c\u8b93\u516c\u773e\u80fd\u5920\u5b89\u5168\u5730\u4fdd\u8b77\u4ed6\u5011\u7684\u8cc7\u7522\uff0c\u9019\u518d\u6b21\u5c07\u5b83\u5011\u8207\u7a69\u5b9a\u5e63\u548c\u52a0\u5bc6\u8ca8\u5e63\u5340\u5206\u958b\u4f86[17]\u3002<\/p>\n\n

                      \"\"\/<\/figure>\n\n

                      \u7136\u800c\uff0c\u5118\u7ba1\u9b91\u5a01\u723e\u986f\u7136\u652f\u6301\u4ed6\u5011\uff0c\u4f46\u7f8e\u806f\u5132\u5176\u4ed6\u6709\u5f71\u97ff\u529b\u7684\u8072\u97f3\u4e26\u4e0d\u90a3\u9ebc\u5805\u5b9a\uff0c\u660e\u5c3c\u963f\u6ce2\u5229\u65af\u806f\u90a6\u5132\u5099\u9280\u884c\u884c\u9577\u5c3c\u723e\u5361\u4ec0\u5361\u91cc\u8868\u9054\u4e86\u5c0d\u6f5b\u5728\u5b89\u5168\u548c\u96b1\u79c1\u554f\u984c\u7684\u64d4\u6182\u3002 \u56e0\u6b64\uff0cKashkari \u8868\u793a\uff0cCBDC \u53ef\u80fd\u6210\u70ba\u4e00\u500b\u5f8c\u9580\uff0c\u653f\u5e9c\u53ef\u4ee5\u901a\u904e\u5b83\u76e3\u8996\u516c\u773e\u6210\u54e1\u9032\u884c\u7684\u500b\u4eba\u4ea4\u6613\uff0c\u5c31\u7f8e\u570b\u800c\u8a00\uff0c\u4f7f\u7528 Venmo[18] \u7cfb\u7d71\u65e2\u65b9\u4fbf\u53c8\u5b89\u5168 \u5f9e\u500b\u4eba\u96b1\u79c1\u7684\u89d2\u5ea6\u4f86\u770b\u3002 \u6b64\u5916\uff0c\u5982\u679c\u500b\u4eba\u60f3\u5c0d\u6578\u5b57\u8cc7\u7522\u9032\u884c\u6295\u6a5f\uff0cKashkari \u8a8d\u70ba\uff0c\u4ed6\u5011\u6700\u597d\u901a\u904e\u5df2\u7d93\u6d3b\u8e8d\u5728\u8a72\u9818\u57df\u7684\u79c1\u71df\u516c\u53f8\u63d0\u4f9b\u7684\u7522\u54c1\u4f86\u9019\u6a23\u505a[19]\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

                      \"\"\/<\/figure>\n\n

                      \u56de\u5230\u6cf0\u570b\u548c\u570b\u5167\u9280\u884c\u548c\u91d1\u878d\u90e8\u9580\uff0c\u6700\u8fd1\u5176\u904b\u4f5c\u65b9\u5f0f\u767c\u751f\u4e86\u6df1\u523b\u8b8a\u5316\uff0c\u81ea 2010 \u5e74\u4ee5\u4f86\uff0c\u4f7f\u7528\u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u670d\u52d9\u9032\u884c\u652f\u4ed8\u548c\u5b8c\u6210\u696d\u52d9\u6216\u8cfc\u7269\u4ea4\u6613\u53d6\u5f97\u4e86\u9577\u8db3\u9032\u6b65\uff0c\u73fe\u5728 \u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u5e38\u898f\u548c\u4e0d\u8d77\u773c\u7684\u7279\u5fb5\u3002 PromptPay[20] \u652f\u4ed8\u7cfb\u7d71\u7684\u60c5\u6cc1\u5c24\u5176\u5982\u6b64\uff0c\u7531\u65bc Covid-19 \u7684\u7206\u767c\uff0c\u8a72\u7cfb\u7d71\u7684\u4f7f\u7528\u5f97\u5230\u4e86\u5de8\u5927\u7684\u63a8\u52d5\u3002 \u5728\u6574\u500b\u5927\u6d41\u884c\u671f\u9593\uff0c\u5b98\u54e1\u5011\u9650\u5236\u65c5\u884c\u4e26\u5ba3\u5e03\u5b9a\u671f\u63a7\u88fd\u5546\u5e97\u3001\u8fa6\u516c\u5ba4\u548c\u5a1b\u6a02\u5834\u6240\u7684\u958b\u696d\uff0c\u4f46\u5118\u7ba1\u9019\u4e9b\u9650\u5236\u5728\u7dda\u4e0b\u5be6\u65bd\uff0c\u4f46\u7db2\u7d61\u4e16\u754c\u4ecd\u7136\u958b\u653e\u548c\u81ea\u7531\uff0c\u56e0\u6b64\u6d88\u8cbb\u8005\u80fd\u5920\u7e7c\u7e8c\u4ed6\u5011\u7684\u751f\u6d3b \u90a3\u88e1\u6c92\u6709\u8b8a\u5316\u3002 \u56e0\u6b64\uff0c\u5728\u7dda\u652f\u4ed8\u7cfb\u7d71\u7684\u7121\u8655\u4e0d\u5728\u610f\u5473\u8457\uff0c\u5be6\u969b\u4e0a\uff0c\u7576\u6d88\u8cbb\u8005\u5728\u7dda\u6642\uff0c\u4ed6\u5011\u6c38\u9060\u4f34\u96a8\u8457\u81ea\u5df1\u7684\u865b\u64ec\u9280\u884c\u3002 \u56e0\u6b64\uff0c\u5c0d\u5206\u884c\u5167\u670d\u52d9\u7684\u9700\u6c42\u5df2\u7d93\u5d29\u6f70\uff0c\u53d6\u800c\u4ee3\u4e4b\u7684\u662f\u5728\u5e55\u5f8c\u904b\u884c\u4ee5\u9023\u63a5\u570b\u5167\u9280\u884c\u7684\u9280\u884c\u9593\u4ea4\u6613\u7ba1\u7406\u548c\u4ea4\u63db (ITMX) \u7cfb\u7d71\u8b8a\u5f97\u66f4\u52a0\u91cd\u8981\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

                      \"\"\/<\/figure>\n\n

                      \u7136\u800c\uff0c\u5118\u7ba1\u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u670d\u52d9\u5df2\u5927\u8209\u9032\u5165\u6cf0\u570b\u793e\u6703\uff0c\u4f46\u4ecd\u6709\u76f8\u7576\u4e00\u90e8\u5206\u4eba\u53e3\u5c0d\u73fe\u91d1\u6709\u5f37\u70c8\u7684\u504f\u597d\uff0c\u6cf0\u570b\u9280\u884c\u5728 2021 \u5e74\u521d\u9032\u884c\u7684\u4e00\u9805\u8abf\u67e5[21] \u986f\u793a \u7576\u6642\uff0c\u8d85\u904e 65% \u7684\u53d7\u8a2a\u8005\u8a08\u5283\u5728\u5927\u6d41\u884c\u6642\u671f\u7684\u653f\u5e9c\u523a\u6fc0\u8a08\u5283\u7d50\u675f\u5f8c\u6062\u5fa9\u4f7f\u7528\u73fe\u91d1\u3002 \u76f8\u6bd4\u4e4b\u4e0b\uff0c\u53ea\u6709 36% \u7684\u4eba\u8a08\u5283\u589e\u52a0\u4ed6\u5011\u5c0d\u624b\u6a5f\u9280\u884c\u670d\u52d9\u7684\u4f7f\u7528\uff0c\u56e0\u6b64\u5f88\u660e\u986f\uff0c\u6cf0\u570b\u793e\u6703\u4ecd\u7136\u5f37\u70c8\u50be\u5411\u65bc\u4f7f\u7528\u73fe\u91d1\u3002<\/p>\n\n

                      \u56e0\u6b64\uff0c\u4e00\u500b\u4ecd\u672a\u5f97\u5230\u89e3\u7b54\u7684\u91cd\u8981\u554f\u984c\u662f\uff0c\u4f7f\u7528 CBDC \u4ee3\u66ff\u73fe\u91d1\u6216\u66f4\u719f\u6089\u7684\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c\u670d\u52d9\u662f\u5426\u5c0d\u5ee3\u5927\u6c11\u773e\u6709\u4efb\u4f55\u660e\u986f\u7684\u597d\u8655\uff0c\u6216\u8005\u5b83\u5728\u4eba\u5011\u773c\u4e2d\u4f5c\u70ba\u50f9\u503c\u4e3b\u5f35\u7684\u78ba\u5207\u4f4d\u7f6e\u3002 \u6b64\u5916\uff0c\u76ee\u524d\u5c1a\u4e0d\u6e05\u695a\u5f15\u5165 CBDC \u6703\u5c0d\u6cf0\u570b\u9280\u884c\u7cfb\u7d71\u7522\u751f\u4ec0\u9ebc\u5f71\u97ff\u3002<\/p>\n\n

                      Krungsri Research \u89c0\u9ede\uff1aCBDC \u662f\u5546\u696d\u9280\u884c\u696d\u9762\u81e8\u7684\u6311\u6230 \n \n\u00a0 \n \n\u00a0<\/h3>\n\n

                      \u5728\u904e\u53bb\u7684 2-3 \u5e74\u4e2d\uff0c\u4e16\u754c\u5404\u5730\u7684\u4e2d\u592e\u9280\u884c\u5c0d\u5982\u4f55\u958b\u767c\u548c\u90e8\u7f72 CBDC \u8d8a\u4f86\u8d8a\u611f\u8208\u8da3\u3002 \u9019\u7a2e\u8208\u8da3\u662f\u5efa\u7acb\u5728\u6578\u5b57\u8cc7\u7522\u5e02\u5834\u7206\u70b8\u5f0f\u589e\u9577\u548c\u7528\u6236\u7fa4\u64f4\u5927\u7684\u80cc\u666f\u4e0b\u7684\uff0c\u81f3\u5c11\u5728\u6700\u521d\u662f\u9019\u6a23\u3002 2020-2022 \u5e74\u7684 Covid-19 \u5927\u6d41\u884c\u9032\u4e00\u6b65\u52a0\u901f\u4e86\u9019\u4e00\u904e\u7a0b\uff0c\u9019\u5927\u5927\u589e\u52a0\u4e86\u6d88\u8cbb\u8005\u5c0d\u5982\u4f55\u4f7f\u7528\u6280\u8853\u53d6\u4ee3\u8a31\u591a\u6b63\u5e38\u65e5\u5e38\u6d3b\u52d5\u7684\u63a5\u89f8\u3002 \u56e0\u6b64\uff0c\u5168\u7403\u5c0d CBDC \u8208\u8da3\u7684\u6fc0\u589e\u9032\u4e00\u6b65\u8b49\u660e\u4e86\u6578\u5b57\u8ca8\u5e63\u5982\u4f55\u5728\u7d93\u6fdf\u4e2d\u4f54\u64da\u66f4\u91cd\u8981\u7684\u4f4d\u7f6e\u3002<\/p>\n\n

                      \u5118\u7ba1\u5982\u6b64\uff0c\u4eba\u5011\u61c9\u8a72\u6ce8\u610f\u4e0d\u8981\u8a87\u5927\u9019\u4e9b\u8da8\u52e2\u7684\u5fc5\u7136\u6027\uff0c\u96d6\u7136\u5927\u591a\u6578\u570b\u5bb6\u90fd\u5728\u8ffd\u6c42 CBDC \u9805\u76ee\uff0c\u4f46\u6709\u4e9b\u570b\u5bb6\u537b\u6c92\u6709\u3002 \u5176\u4e2d\uff0c\u4e39\u9ea5\u4e2d\u592e\u9280\u884c 22\/ \u5c1a\u672a\u78ba\u5b9a\u5275\u5efa CBDC \u5c0d\u4e39\u9ea5\u516c\u6c11\u6216\u5176\u570b\u5bb6\u652f\u4ed8\u7cfb\u7d71\u7684\u660e\u986f\u597d\u8655\uff0c\u9019\u4e3b\u8981\u662f\u56e0\u70ba\u8a72\u570b\u5df2\u7d93\u64c1\u6709\u6210\u719f\u4e14\u5ee3\u6cdb\u4f7f\u7528\u7684\u6578\u5b57\u8ca8\u5e63\u7cfb\u7d71\u3002 \u540c\u6a23\uff0c\u5982\u4e0a\u6240\u8ff0\uff0c\u5384\u74dc\u591a\u723e\u548c\u585e\u5167\u52a0\u723e\u4e4b\u524d\u5df2\u7d93\u5f15\u5165\u4e86 CBDC\uff0c\u4f46\u50c5\u5728\u76f8\u5c0d\u8f03\u77ed\u7684\u6642\u9593\u4e4b\u5f8c\uff0c\u7531\u65bc\u4e0d\u540c\u7684\u539f\u56e0\uff0c\u5169\u570b\u90fd\u88ab\u8feb\u64a4\u56de\u4e86\u9019\u4e9b\u3002<\/p>\n\n

                      \u7136\u800c\uff0c\u6cf0\u570b\u9280\u884c\u696d\u9ad8\u5ea6\u767c\u9054\uff0c\u80fd\u5920\u8fc5\u901f\u90e8\u7f72\u6700\u65b0\u7684\u6280\u8853\u9032\u6b65\uff0c\u800c\u4e14\u7531\u65bc\u5176\u52de\u52d5\u529b\u6280\u80fd\u5afb\u719f\u4e26\u5438\u6536\u4e86\u5ee3\u6cdb\u7684\u5b78\u79d1\u77e5\u8b58\uff0c\u56e0\u6b64\u80fd\u5920\u7a69\u6b65\u6539\u5584\u570b\u5bb6\u652f\u4ed8\u7cfb\u7d71\u3002 \u56e0\u6b64\uff0c\u6cf0\u570b\u7684\u96fb\u5b50\u652f\u4ed8\u57fa\u790e\u8a2d\u65bd\u88ab\u5ee3\u6cdb\u8a8d\u70ba\u662f\u4e16\u754c\u4e00\u6d41\u7684\uff0c\u6cf0\u570b\u9280\u884c\u70ba\u4e86\u66f4\u597d\u5730\u6eff\u8db3\u6d88\u8cbb\u8005\u7684\u9700\u6c42\u800c\u76f8\u4e92\u7af6\u722d\u4ee5\u9032\u4e00\u6b65\u6539\u5584\u5176\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c\u670d\u52d9\u3002 \u9664\u6b64\u4e4b\u5916\uff0cITMX \u7cfb\u7d71\u9084\u63d0\u4f9b\u7dad\u6301\u9280\u884c\u9593\u5feb\u901f\u3001\u7121\u7e2b\u548c\u4e0d\u9593\u65b7\u6578\u64da\u4ea4\u63db\u6240\u9700\u7684\u5f8c\u53f0\u670d\u52d9\uff0c\u9019\u7a2e\u60c5\u6cc1\u7684\u7d50\u679c\u662f\u6cf0\u570b\u6d88\u8cbb\u8005\u73fe\u5728\u5df2\u7d93\u7fd2\u6163\u4e86\u6c38\u4e45\u8a2a\u554f\u6240\u5e36\u4f86\u7684\u597d\u8655 \u6613\u65bc\u4f7f\u7528\u4f46\u5168\u9762\u7684\u91d1\u878d\u670d\u52d9\u3002 \u7136\u800c\uff0c\u6b63\u5982\u6cf0\u570b\u9280\u884c\u6240\u8868\u660e\u7684\u90a3\u6a23\uff0cCBDC \u7684\u5f15\u5165\u53ef\u80fd\u6703\u5c0d\u91d1\u878d\u6a5f\u69cb\u7684\u6d41\u52d5\u6027\u53ca\u5176\u5728\u91d1\u878d\u4ea4\u6613\u4e2d\u5145\u7576\u4e2d\u4ecb\u7684\u80fd\u529b\u7522\u751f\u91cd\u5927\u5f71\u97ff\u3002 \u56e0\u6b64\uff0cKrungsri Research \u8a8d\u70ba CBDC \u5728\u5e7e\u500b\u4e0d\u540c\u65b9\u9762\u5c0d\u91d1\u878d\u9ad4\u7cfb\u69cb\u6210\u6301\u7e8c\u6311\u6230\u3002<\/p>\n\n

                      \u9996\u5148\uff0cCBDC \u7684\u958b\u767c\u65b9\u5f0f\u53ef\u80fd\u8207\u73fe\u5728\u5ee3\u6cdb\u4f7f\u7528\u7684\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c\u61c9\u7528\u7a0b\u5e8f\u4e0d\u540c\u3002 \u6cf0\u570b\u6709\u53ef\u80fd\u958b\u767c\u53ef\u7de8\u7a0b\u7684\u96f6\u552e CBDC\uff0c\u7136\u5f8c\u5c07\u5176\u7528\u65bc\u667a\u80fd\u5408\u7d04\u3002 \u4f8b\u5982\uff0c\u7576\u6eff\u8db3\u67d0\u4e9b\u9810\u5148\u5546\u5b9a\u7684\u689d\u4ef6\u6642\uff0c\u53ef\u4ee5\u81ea\u52d5\u5b8c\u6210\u4ea4\u6613\uff0c\u6216\u8005\uff0c\u53ef\u4ee5\u5c0d\u5408\u540c\u9032\u884c\u7de8\u7a0b\uff0c\u5982\u679c\u6aa2\u6e2c\u5230\u7570\u5e38\u60c5\u6cc1\uff0c\u4ea4\u6613\u5c07\u88ab\u53d6\u6d88\u3002 \u9019\u4e5f\u53ef\u4ee5\u78ba\u4fdd\u9075\u5b88\u76e3\u7ba1\u548c\u6cd5\u5f8b\u8981\u6c42\uff0c\u7e3d\u9ad4\u800c\u8a00\uff0c\u70ba CBDC \u63d0\u4f9b\u9019\u4e9b\u985e\u578b\u7684\u80fd\u529b\u5c07\u63d0\u9ad8\u7d93\u6fdf\u7684\u6574\u9ad4\u6548\u7387\uff0c\u4f8b\u5982\uff0c\u4f7f\u5b58\u6b3e\u3001\u53d6\u6b3e\u3001\u8f49\u8cec\u548c\u652f\u4ed8\u8b8a\u5f97\u66f4\u52a0\u5bb9\u6613\uff0c\u4ee5 \u6aa2\u67e5\u6b3a\u8a50\u548c\u6d17\u9322\uff0c\u4e26\u81ea\u52d5\u5fb5\u7a05[23]\u3002 \u7372\u5f97\u9019\u4e00\u7d1a\u5225\u7684\u529f\u80fd\u5be6\u969b\u4e0a\u5c07\u4f7f CBDC \u8207\u4e16\u754c\u7b2c\u4e8c\u5927\u4ea4\u6613\u52a0\u5bc6\u8ca8\u5e63\u4ee5\u592a (ETH) \u975e\u5e38\u76f8\u4f3c\uff0c\u9664\u4e86\u63d0\u9ad8\u5176\u6548\u7387\u4e4b\u5916\uff0c\u80fd\u5920\u5c0d CBDC \u9032\u884c\u7de8\u7a0b\u9084\u6709\u52a9\u65bc\u76f4\u63a5\u89e3\u6c7a\u7d50\u69cb\u6027\u554f\u984c \u8207\u6cf0\u570b\u7d93\u6fdf\u548c\u793e\u6703\u3002 \u7136\u800c\uff0c\u53e6\u4e00\u65b9\u9762\uff0c\u751f\u7522\u9019\u6a23\u7684 CBDC \u5c07\u5c0d\u6cf0\u570b\u9280\u884c\u69cb\u6210\u76f4\u63a5\u6311\u6230\u3002 \u7136\u5f8c\uff0c\u9019\u4e9b\u53ef\u80fd\u6703\u88ab\u8feb\u5347\u7d1a\u548c\u767c\u5c55\u4ed6\u5011\u7684\u4e92\u806f\u7db2\u548c\u79fb\u52d5\u9280\u884c\u670d\u52d9\uff0c\u9019\u6a23\u9019\u4e9b\u670d\u52d9\u6240\u4ee3\u8868\u7684\u50f9\u503c\u4e3b\u5f35\u4e0d\u50c5\u50c5\u662f\u4ed6\u5011\u5141\u8a31\u7528\u6236\u9032\u884c\u8f49\u8cec\u548c\u652f\u4ed8\u7b49\u5e38\u898f\u9280\u884c\u4ea4\u6613\uff0c\u800c\u662f\u4ed6\u5011\u70ba\u7528\u6236\u63d0\u4f9b \u5177\u6709 CBDC \u985e\u578b\u7684\u529f\u80fd\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

                      \u6b64\u5916\uff0cCBDC \u901a\u5e38\u8a2d\u8a08\u70ba\u5728\u4e92\u806f\u7db2\u4e0a\u4f7f\u7528\uff0c\u56e0\u6b64\u660e\u78ba\u8a2a\u554f\u9019\u4e00\u9ede\u5f88\u91cd\u8981\u3002 \u570b\u5bb6\u5ee3\u64ad\u548c\u96fb\u4fe1\u59d4\u54e1\u6703\u8fa6\u516c\u5ba4\u4f30\u8a08\uff0c\u78ba\u5be6\u6709\u5927\u7d04 5000 \u842c\u6cf0\u570b\u4eba\u53ef\u4ee5\u8a2a\u554f\u4e92\u806f\u7db2\uff0c\u4f46\u9019\u610f\u5473\u8457\u5c07\u8fd1 2000 \u842c\u4eba\u9084\u6c92\u6709\u8a2a\u554f\u4e92\u806f\u7db2\uff0c\u56e0\u6b64\u76ee\u524d\u9019\u4e9b\u4eba\u7121\u6cd5\u5229\u7528\u5546\u696d\u7db2\u7d61 \u9280\u884c\u7684\u4e92\u806f\u7db2\u548c\u624b\u6a5f\u9280\u884c\u670d\u52d9\u3002 \u7531\u65bc\u67d0\u4e9b\u793e\u5340\u7684\u4e92\u806f\u7db2\u63a5\u5165\u975e\u5e38\u4e0d\u7a69\u5b9a\uff0c\u56e0\u6b64 CBDC \u7684\u8a2d\u8a08\u65b9\u5f0f\u53ef\u80fd\u4f7f\u5176\u53ef\u4ee5\u96e2\u7dda\u4f7f\u7528\u800c\u7121\u9700\u4f9d\u8cf4\u4e92\u806f\u7db2\u63a5\u5165\u3002 \u9019\u7a2e\u96e2\u7dda CBDC \u53ef\u80fd\u57fa\u65bc\u4f7f\u7528\u4e2d\u4ecb\u8a2d\u5099\u901a\u904e\u96e2\u7dda\u652f\u4ed8\u7cfb\u7d71 (OPS) \u5b8c\u6210\u4ea4\u6613\u7684\u667a\u80fd\u5361\u3002 \u6216\u8005\uff0c\u96e2\u7dda CBDC \u53ef\u4ee5\u4f7f\u7528\u57fa\u65bc\u751f\u7269\u8b58\u5225\u7684\u5bc6\u78bc\u8853\u5728\u6388\u4e88\u8a2a\u554f CBDC \u4e4b\u524d\u78ba\u8a8d\u7528\u6236\u7684\u8eab\u4efd\uff0c\u4e26\u4e14\u9019\u4e9b\u90fd\u53ef\u4ee5\u5b58\u5132\u5728\u67d0\u7a2e\u500b\u4eba\u96fb\u5b50\u786c\u4ef6\u4e2d\uff0c\u9019\u4e9b\u786c\u4ef6\u518d\u6b21\u4e0d\u9700\u8981\u9023\u63a5\u5230\u4e92\u806f\u7db2\u5373\u53ef\u904b\u884c\u3002 \u7136\u800c\uff0c\u5118\u7ba1\u9019\u6a23\u7684\u7cfb\u7d71\u6709\u660e\u986f\u7684\u597d\u8655\uff0c\u4f46\u5b83\u4e5f\u6709\u7f3a\u9ede\uff0c\u56e0\u70ba\u96e2\u7dda\u7cfb\u7d71\u53ef\u80fd\u6703\u5c0d\u53ef\u80fd\u767c\u751f\u7684\u4ea4\u6613\u6578\u91cf\u548c\u53ef\u80fd\u901a\u904e\u8a72\u7cfb\u7d71\u7684\u8cc7\u91d1\u7e3d\u91cf\u65bd\u52a0\u9650\u5236\u3002 \u5728\u9019\u7a2e\u5b89\u6392\u4e0b\uff0c\u4e5f\u6709\u53ef\u80fd\u5275\u5efa\u548c\u4f7f\u7528\u507d\u9020\u7684 CBDC\uff0c\u4e8b\u5be6\u4e0a\uff0c\u8a31\u591a\u570b\u5bb6\u7684\u4e2d\u592e\u9280\u884c\u5df2\u7d93\u5c31\u9019\u4e9b\u53ef\u80fd\u6027\u767c\u51fa\u4e86\u8b66\u544a\u4fe1\u865f[24]\u3002<\/p>\n\n

                      \u6700\u5f8c\uff0c\u7531\u65bc\u4e2d\u592e\u9280\u884c\u6b63\u5728\u5c07 CBDC \u958b\u767c\u70ba\u6578\u5b57\u539f\u751f\u8ca8\u5e63\uff0c\u800c\u4e0d\u662f\u7c21\u55ae\u5730\u4f5c\u70ba\u7576\u524d\u652f\u4ed8\u7cfb\u7d71\u7684\u66ff\u4ee3\u54c1\uff0c\u5b83\u5011\u9084\u61c9\u8a72\u505a\u66f4\u591a\u7684\u4e8b\u60c5\u4f86\u8b93\u6578\u5b57\u7a7a\u9593\u7684\u751f\u6d3b\u66f4\u8f15\u9b06\u3002 \u56e0\u6b64\uff0cKrungsri Research \u9810\u8a08\uff0c\u5728\u672a\u4f86\u4e00\u6bb5\u6642\u9593\u5167\uff0cCBDC \u53ef\u80fd\u6703\u5728\u865b\u64ec\u4e16\u754c\u6216\u865b\u64ec\u4e16\u754c\u4e2d\u626e\u6f14\u66f4\u91cd\u8981\u7684\u89d2\u8272[25]\uff0c\u56e0\u70ba\u5728\u9019\u4e9b\u60c5\u6cc1\u4e0b\uff0cCBDC \u56e0\u5176\u53ef\u7de8\u7a0b\u6027\u800c\u5177\u6709\u660e\u986f\u7684\u512a\u52e2\u3002 \u6b64\u5916\uff0c\u5b83\u5011\u5728\u865b\u64ec\u4e16\u754c\u4e2d\u7684\u4f7f\u7528\u5c07\u662f\u5c0d\u7576\u524d\u60c5\u6cc1\u7684\u660e\u986f\u6539\u5584\uff0c\u56e0\u70ba\u76ee\u524d\uff0c\u5728\u865b\u64ec\u4e16\u754c\u4e2d\u5b8c\u6210\u4ea4\u6613\u9700\u8981\u5c07\u666e\u901a\u8ca8\u5e63\u514c\u63db\u6210\u6578\u5b57\u8b8a\u9ad4\uff0c\u9019\u901a\u5e38\u662f\u8a72\u5e73\u53f0\u7279\u6709\u7684\uff0c\u56e0\u6b64\u4e0d\u80fd\u5728\u5176\u4ed6\u5e73\u53f0\u4e0a\u4f7f\u7528 \u865b\u64ec\u74b0\u5883\u3002 \u958b\u767c\u4eba\u54e1\u80fd\u5920\u5728 CBDC \u4e2d\u7de8\u78bc\u5728\u8ca8\u5e63\u53ef\u4ee5\u4f7f\u7528\u6216\u4ea4\u6613\u5b8c\u6210\u4e4b\u524d\u9700\u8981\u6eff\u8db3\u7684\u689d\u4ef6\uff0c\u9019\u4e5f\u5c07\u5141\u8a31\u63a7\u5236\u5143\u5b87\u5b99\u4e2d\u7684\u652f\u51fa\u3002 \u4f8b\u5982\uff0c\u53ef\u4ee5\u5c07\u9322\u6dfb\u52a0\u5230\u5b69\u5b50\u7684\u9322\u5305\u4e2d\uff0c\u4f46\u9650\u5236\u5176\u4f7f\u7528\uff0c\u4ee5\u4fbf\u53ea\u80fd\u5728\u5b78\u6821\u6216\u5143\u5b87\u5b99\u4e2d\u9069\u5408\u5152\u7ae5\u7684\u5176\u4ed6\u74b0\u5883\u4e2d\u4f7f\u7528 26\/\u3002 \u7531\u6b64\u53ef\u4ee5\u6e05\u695a\u5730\u770b\u51fa\uff0c\u865b\u64ec\u4e16\u754c\u7684\u767c\u5c55\u5c07\u70ba CBDC \u958b\u95e2\u5ee3\u6cdb\u7684\u65b0\u7528\u4f8b\u3002 \u6b64\u5916\uff0c\u8003\u616e\u5230 CBDC \u7684\u7a69\u5b9a\u6027\u53ca\u5176\u50f9\u503c\u7f3a\u4e4f\u53ef\u8b8a\u6027\uff0c\u6301\u6709 CBDC \u7528\u65bc\u5143\u5b87\u5b99\u5c07\u6bd4\u5176\u4ed6\u5f62\u5f0f\u7684\u6578\u5b57\u8ca8\u5e63\u5177\u6709\u660e\u986f\u7684\u512a\u52e2\uff0c\u9019\u5c07\u5927\u5927\u589e\u52a0\u7528\u6236\u5c0d\u9019\u4e9b\u8ca8\u5e63\u7684\u4fe1\u5fc3\u3002<\/p>\n\n

                      \u7e3d\u800c\u8a00\u4e4b\uff0c\u6578\u5b57\u74b0\u5883\u7684\u5feb\u901f\u767c\u5c55\u4ee5\u53ca\u6211\u5011\u6240\u6709\u4eba\u90fd\u5fc5\u9808\u5728\u65e5\u5e38\u4e16\u754c\u548c\u65b0\u8208\u865b\u64ec\u4e16\u754c\u4e2d\u4fdd\u6301\u7acb\u8db3\u9ede\u7684\u7a0b\u5ea6\u8d8a\u4f86\u8d8a\u5927\uff0c\u9019\u610f\u5473\u8457\u6211\u5011\u5c07\u7121\u6cd5\u518d\u907f\u514d \u6578\u5b57\u8ca8\u5e63\u7684\u4f7f\u7528\u3002 \u5728\u5f8c\u8005\u4e2d\uff0cCBDC \u7684\u7a69\u5b9a\u6027\u548c\u53ef\u4fe1\u5ea6\u5c07\u4f7f\u5176\u6210\u70ba\u9996\u9078\uff0c\u56e0\u6b64\u9019\u4e9b\u5c07\u5e6b\u52a9\u6d88\u8cbb\u8005\u99d5\u99ad\u4e00\u500b\u8d8a\u4f86\u8d8a\u5177\u6709\u6ce2\u52d5\u6027\u3001\u4e0d\u78ba\u5b9a\u6027\u3001\u8907\u96dc\u6027\u548c\u6a21\u7cca\u6027\u7684\u4e16\u754c\uff08\u5373\u6240\u8b02\u7684 VUCA \u4e16\u754c\uff09\u3002 \n \n\u00a0 \n \n\u00a0<\/p>\n\n

                      References<\/strong> \n \n\u00a0<\/p>\n\n

                      A. Arauz, R. Garratt and D.F. Ramos F (Jun 2021) Dinero Electr\u00f3nico: The rise and fall of Ecuador’s central bank digital currency. Web. Retrieved Oct 4, 2022 from https:\/\/www.sciencedirect.com\/science\/article\/pii\/S2666143821000107<\/p>\n\n

                      A.H. Elsayed and M.A. Nasir (2022) Central bank digital currencies: An agenda for future research. Web. Retrieved July 27, 2022 from https:\/\/www.sciencedirect.com\/science\/article\/pii\/S0275531922001246<\/p>\n\n

                      Atlanticcouncil (2022) Central Bank Digital Currency Tracker. Web. Retrieved July 6, 2022 from https:\/\/www.atlanticcouncil.org\/cbdctracker\/<\/p>\n\n

                      Beartai (2022) Diem-Libra \u0e04\u0e23\u0e34\u0e1b\u0e42\u0e15\u0e40\u0e04\u0e2d\u0e23\u0e4c\u0e40\u0e23\u0e19\u0e0b\u0e35\u0e02\u0e2d\u0e07 Facebook \u0e1b\u0e23\u0e30\u0e01\u0e32\u0e28\u0e1b\u0e34\u0e14\u0e15\u0e31\u0e27\u0e41\u0e25\u0e49\u0e27. Web. Retrieved Aug 30, 2022 from https:\/\/www.beartai.com\/brief\/business\/928835<\/p>\n\n

                      Bigdata (2021) CBDC: \u0e23\u0e30\u0e1a\u0e1a\u0e01\u0e32\u0e23\u0e40\u0e07\u0e34\u0e19\u0e17\u0e35\u0e48\u0e01\u0e33\u0e25\u0e31\u0e07\u0e40\u0e1b\u0e25\u0e35\u0e48\u0e22\u0e19\u0e42\u0e25\u0e01 \u0e41\u0e25\u0e30\u0e42\u0e2d\u0e01\u0e32\u0e2a\u0e02\u0e2d\u0e07\u0e19\u0e31\u0e01\u0e27\u0e34\u0e17\u0e22\u0e32\u0e28\u0e32\u0e2a\u0e15\u0e23\u0e4c\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25, Part 1. Web. Retrieved Aug 5, 2022 from https:\/\/bigdata.go.th\/movements\/introduction-to-cbdc-1\/<\/p>\n\n

                      Blockchain-review (2020) Blockchain-review : CBDC \u0e04\u0e37\u0e2d\u0e2d\u0e30\u0e44\u0e23. Web. Retrieved July 22, 2022 from https:\/\/blockchain-review.co.th\/blockchain-review\/cdbc-central-digital-curreny<\/p>\n\n

                      Clare Harrop, Cyrus Pocha (Dec 2021) Does the metaverse provide a usecase for central bank digital currency? Web. Retrieved Oct 3, 2022 from https:\/\/technologyquotient.freshfields.com\/post\/102hefa\/does-the-metaverse-provide-a-usecase-for-central-bank-digital-currency<\/p>\n\n

                      Digital Currency. Web. Retrieved July 5, 2022 from https:\/\/www.outlookindia.com\/business\/jamaica-launches-jam-dex-becomes-first-nation-to-legalise-digital-currency-news-201592<\/p>\n\n

                      Erin English (Mar 2021) Finding a secure solution for offline use of central bank digital currencies (CBDCs). Web. Retrieved Sep 29, 2022 from https:\/\/usa.visa.com\/dam\/VCOM\/global\/sites\/visa-economic-empowerment-institute\/documents\/veei-secure-offline-cbdc.pdf<\/p>\n\n

                      IBF Singapore (2020) An Introduction to Central Bank Digital Currencies. Web. Retrieved Aug 10, 2022 from https:\/\/www.ibf.org.sg\/newsroom\/Pages\/ibfsg_stories_30.aspx<\/p>\n\n

                      Investopedia (2022) Cryptocurrency news : Fed Releases Discussion Paper on US Central Bank Digital Currency (CBDC). Web. Retrieved July 18, 2022 from https:\/\/www.investopedia.com\/fed-paper-on-central-bank-digital-currency-cbdc-5216571<\/p>\n\n

                      Isabelle Lee (Jul 2021) Fed Chair Jerome Powell says cryptocurrencies and stablecoins won’t be needed once the US has a digital currency. Web. Retrieved Sep 16, 2022 from https:\/\/markets.businessinsider.com\/news\/cryptocurrencies\/jerome-powell-cryptocurrencies-cbdc-stablecoins-digital-currency-testimony-2021-7<\/p>\n\n

                      Jiraboon Narktong (2022) \u0e42\u0e04\u0e23\u0e07\u0e01\u0e32\u0e23\u0e40\u0e2b\u0e23\u0e35\u0e22\u0e0d Crypto \u0e02\u0e2d\u0e07 Facebook \u2018Diem\u2019 \u0e2d\u0e32\u0e08\u0e44\u0e1b\u0e44\u0e21\u0e48\u0e16\u0e36\u0e07\u0e1d\u0e31\u0e19 \u0e2a\u0e21\u0e32\u0e04\u0e21\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e02\u0e32\u0e22\u0e2a\u0e34\u0e19\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e04\u0e37\u0e19\u0e40\u0e07\u0e34\u0e19\u0e19\u0e31\u0e01\u0e25\u0e07\u0e17\u0e38\u0e19. Web. Retrieved Aug 31, 2022 from https:\/\/siamblockchain.com\/2022\/01\/26\/zuckerberg-s-stablecoin-ambitions-unravel-with-diem-sale-talks\/<\/p>\n\n

                      John Kiff (Sep 2022) Taking Digital Currencies Offline. Web. Retrieved Sep 30, 2022 from https:\/\/www.imf.org\/en\/Publications\/fandd\/issues\/2022\/09\/kiff-taking-digital-currencies-offline<\/p>\n\n

                      Krungsri Plearn Plearn (2021) \u0e23\u0e39\u0e49\u0e01\u0e48\u0e2d\u0e19\u0e43\u0e0a\u0e49 \u201cLibra\u201d \u0e2a\u0e01\u0e38\u0e25\u0e40\u0e07\u0e34\u0e19\u0e14\u0e34\u0e08\u0e34\u0e17\u0e31\u0e25\u0e43\u0e2b\u0e21\u0e48\u0e08\u0e32\u0e01 Facebook. Web. Retrieved Aug 29, 2022 from https:\/\/www.krungsri.com\/th\/plearn-plearn\/libra-digital-currency<\/p>\n\n

                      Kyle Campbell (Aug 2022) Kashkari calls CBDC a threat to privacy, defends regional bank independence. Web. Retrieved Sep 20, 2022 from https:\/\/www.americanbanker.com\/news\/kashkari-calls-cbdc-a-threat-to-privacy-defends-regional-bank-independence<\/p>\n\n

                      Ndtv (2020) Business: These Countries Are Considering A Central Bank Digital Currency. Here Are Their Timelines And Status. Web. Retrieved July 15, 2022 from https:\/\/www.ndtv.com\/business\/here-are-the-timelines-and-status-of-central-bank-digital-currencies-in-some-countries-2820164<\/p>\n\n

                      Outlookindia (2022) Jamaica Launches \u201cJam-Dex\u201d, Becomes First Nation To Legalise<\/p>\n\n

                      Patrick McConnell (Sep 2021) CBDC \u2013 How Dangerous is Programmability? Web. Retrieved Sep 26, 2022 from https:\/\/sites.duke.edu\/thefinregblog\/2021\/09\/21\/cbdc-how-dangerous-is-programmability\/<\/p>\n\n

                      Ploy Ten Kate (2021) PwC \u0e40\u0e1c\u0e22\u0e44\u0e17\u0e22\u0e15\u0e34\u0e14\u0e2d\u0e31\u0e19\u0e14\u0e31\u0e1a 1 \u0e02\u0e2d\u0e07\u0e42\u0e25\u0e01\u0e14\u0e49\u0e32\u0e19\u0e01\u0e32\u0e23\u0e1e\u0e31\u0e12\u0e19\u0e32\u0e2a\u0e01\u0e38\u0e25\u0e40\u0e07\u0e34\u0e19\u0e14\u0e34\u0e08\u0e34\u0e17\u0e31\u0e25\u0e41\u0e1a\u0e1a Wholesale CBDC. Web. Retrieved Aug 12, 2022 from https:\/\/www.pwc.com\/th\/en\/press-room\/press-release\/2021\/press-release-17-05-21-th.html<\/p>\n\n

                      R. Morales-Resendiz, J. Ponce, P. Picardo et al. (Mar 2021) Implementing a retail CBDC: Lessons learned and key insights. Web. Retrieved Aug 18, 2022 from https:\/\/www.sciencedirect.com\/science\/article\/pii\/S2666143821000028#!<\/p>\n\n

                      Rahul Nambiampurath (2020) How Digital Currency Could Change Senegal\u2019s Financial System Forever. Web. Retrieved Sep 5, 2022 from https:\/\/beincrypto.com\/how-digital-currency-could-change-senegals-financial-system-forever\/<\/p>\n\n

                      Rodney Garratt, Haoxiang Zhu (Sep 2021) On Interest-Bearing Central Bank Digital Currency with Heterogeneous Banks. Web. Retrieved Aug 15, 2022 from https:\/\/www.mit.edu\/~zhuh\/GarrattZhu_CBDC.pdf<\/p>\n\n

                      [1] Cryptocurrencies are encrypted digital currencies that record and confirm transactions on blockchains. For more information, please refer to our papers \u201cTraditional Banking and DeFi: What Role will be Left for Banks if the Financial System is Disintermediated?\u201d and \u201cThe role of banks in the new world of NFTs\u201d \n[2] E-money is a type of money that is recorded and stored on electronic devices, such as chips on a card, or on mobile or internet networks. Before spending any money, e-money users transfer money to e-money service providers that is then credited to them(i.e., as a kind of prepayment) and this then allows consumers to pay for goods or services at outlets that accept this form of payment. Using e-money is convenient because it avoids the problems involved in carrying cash, as well as being quick, since shoppers do not have to wait for change. For more information, please https:\/\/www.1213.or.th\/th\/serviceunderbot\/payment\/Pages\/e-money.aspx \n[1] Stablecoins are a type of digital asset that have a value that is pegged to a non-digital asset, and this then keeps their value stable. For example, the value of 1 Dai is set at 1 USD, and this should not change. For more information, please refer to our research papers, \u201cTraditional Banking and DeFi: What Role will be Left for Banks if the Financial System is Disintermediated?\u201d and \u201cThe role of banks in the new world of NFTs\u201d \n[4] https:\/\/fortune.com\/2022\/01\/25\/mark-zuckerberg-stablecoin-diem-sale-talks\/ \n[5] https:\/\/www.bloomberg.com\/news\/articles\/2022-01-31\/meta-backed-diem-association-confirms-asset-sale-to-silvergate \n[6] https:\/\/www.outlookindia.com\/business\/all-you-need-to-know-about-wholesale-and-retail-central-bank-digital-currency-cbdc–news-192971 \n[7] https:\/\/www.thaigov.go.th\/infographic\/contents\/details\/5634 \n[8] The Deposit Protection Agency (DPA) is a government agency tasked with responsibility for looking after deposits made by Thai and overseas private citizens and companies that are held by commercial Thai banks. The DPA\u2019s remit covers accounts opened in accordance with the Thai Deposit Protection law and is reserved for deposits made in baht into accounts held in Thailand. This covers money deposited in current accounts, savings accounts, fixed deposit accounts, and certificates of deposit (as yet, digital currencies are not covered by the DPA). At present, deposits are insured up to a total of THB 1 million per account holder per financial institution (note that this is not per account). For more information, please see \u00a0https:\/\/www.dpa.or.th\/site\/index \n[9] https:\/\/tdri.or.th\/2022\/01\/thinkx_430\/ \n[10] https:\/\/www.sec.or.th\/TH\/Template3\/Articles\/2564\/250164.pdf \n[11] https:\/\/www.bot.or.th\/Thai\/PressandSpeeches\/Press\/2021\/Pages\/n9064.aspx \n[12] These include Angola, Saint Kitts and Nevis, Antigua and Barbuda, Montserrat, Dominica, St. Lucia, Saint Vincent and the Grenadines, and Grenada. \n[13] West African CFA franc is the currency used in the 8 independent states in West Africa consists of Benin, Burkina Faso, Cote d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo. \n[14] https:\/\/www.bot.or.th\/Thai\/PressandSpeeches\/Press\/News2564\/n6064t_annex.pdf \n[15] https:\/\/www.bot.or.th\/Thai\/PressandSpeeches\/Press\/2022\/Pages\/n3965.aspx \n[16] Giesecke+Devrient \u00a0is a German company headquartered in Munich. Its business focuses on printing bank notes, and producing asset smart cards and cash management systems. \n[17] https:\/\/markets.businessinsider.com\/news\/cryptocurrencies\/jerome-powell-cryptocurrencies-cbdc-stablecoins-digital-currency-testimony-2021-7 \n[18] VEMO is US-based Fintech application for money transfers which is broadly used in the US. \n[19] https:\/\/www.americanbanker.com\/news\/kashkari-calls-cbdc-a-threat-to-privacy-defends-regional-bank-independence \n[20] The PromptPay system allows for money transfers to a recipient using a proxy ID. This might be an individual\u2019s ID number, a company registration number, or a telephone number that is linked to an account. \n[21] https:\/\/www.bot.or.th\/Thai\/BOTMagazine\/Documents\/PhraSiam0165\/BOTMAG1-65.pdf \n[22] https:\/\/coingeek.com\/denmark-central-bank-downplays-need-for-new-forms-of-digital-money-including-cbdc\/ \n[23] https:\/\/sites.duke.edu\/thefinregblog\/2021\/09\/21\/cbdc-how-dangerous-is-programmability\/ \n[24] https:\/\/usa.visa.com\/dam\/VCOM\/global\/sites\/visa-economic-empowerment-institute\/documents\/veei-secure-offline-cbdc.pdf \n[25] The metaverse is an immersive 3-D environment to which users connect via the internet and that seamlessly mixes the real and virtual worlds. Within the metaverse, users experience the world from a first-person point-of-view, seeing objects and people around them exactly as they do in the real world. Thus, once it is more fully developed, it will be possible to live out one\u2019s life within the metaverse, and people will work, rest, consume entertainment, play games, socialize and engage in shared and joint activities within it, just as they would in offline environments. For more information, please see our paper “The Metaverse: When virtuality becomes reality\u201c \n[26] https:\/\/technologyquotient.freshfields.com\/post\/102hefa\/does-the-metaverse-provide-a-usecase-for-central-bank-digital-currency<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

                      \u9867\u540d\u601d\u7fa9\uff0c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63 (CBDC) \u662f\u7531\u570b\u5bb6\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u5f62\u5f0f\uff0c\u4f46\u9019\u500b\u540d\u7a31\u53ef\u80fd\u6703\u8b93\u4eba\u8aa4\u5165\u6b67\u9014\uff0c\u56e0\u70ba\u5118\u7ba1 CBDC \u5177\u6709\u96fb\u5b50\u5f62\u5f0f\uff0c\u4f46\u5b83\u5011\u8207\u66f4\u5ee3\u70ba\u4eba\u77e5\u7684\u6578\u5b57\u8cc7\u7522\u6709\u4e9b\u4e0d\u540c \u4f8b\u5982\u52a0\u5bc6\u8ca8\u5e63\u548c\u7a69\u5b9a\u5e63\uff0c\u800c CBDC \u5be6\u969b\u4e0a\u8207\u6578\u5b57\u5316\u7248\u672c\u7684\u786c\u5e63\u548c\u7d19\u5e63\u4e26\u6c92\u6709\u4ec0\u9ebc\u4e0d\u540c\uff0c\u5b83\u5011\u70ba\u65e5\u5e38\u751f\u6d3b\u7684\u8eca\u8f2a\u63d0\u4f9b\u6f64\u6ed1\u5291\u3002<\/p>\n","protected":false},"author":1,"featured_media":6317,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[112],"tags":[77],"class_list":["post-11660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-112","tag-77"],"yoast_head":"\n\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pakgon.com\/zh-hans\/\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon\" \/>\n<meta property=\"og:description\" content=\"\u9867\u540d\u601d\u7fa9\uff0c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63 (CBDC) \u662f\u7531\u570b\u5bb6\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u5f62\u5f0f\uff0c\u4f46\u9019\u500b\u540d\u7a31\u53ef\u80fd\u6703\u8b93\u4eba\u8aa4\u5165\u6b67\u9014\uff0c\u56e0\u70ba\u5118\u7ba1 CBDC \u5177\u6709\u96fb\u5b50\u5f62\u5f0f\uff0c\u4f46\u5b83\u5011\u8207\u66f4\u5ee3\u70ba\u4eba\u77e5\u7684\u6578\u5b57\u8cc7\u7522\u6709\u4e9b\u4e0d\u540c \u4f8b\u5982\u52a0\u5bc6\u8ca8\u5e63\u548c\u7a69\u5b9a\u5e63\uff0c\u800c CBDC \u5be6\u969b\u4e0a\u8207\u6578\u5b57\u5316\u7248\u672c\u7684\u786c\u5e63\u548c\u7d19\u5e63\u4e26\u6c92\u6709\u4ec0\u9ebc\u4e0d\u540c\uff0c\u5b83\u5011\u70ba\u65e5\u5e38\u751f\u6d3b\u7684\u8eca\u8f2a\u63d0\u4f9b\u6f64\u6ed1\u5291\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pakgon.com\/zh-hans\/\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\/\" \/>\n<meta property=\"og:site_name\" content=\"pakgon\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-15T17:42:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-23T15:06:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"492\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"pakgon\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"pakgon\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/\"},\"author\":{\"name\":\"pakgon\",\"@id\":\"https:\/\/pakgon.com\/#\/schema\/person\/b0bd62bb2f3ef692cf7895e4374bbe94\"},\"headline\":\"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\",\"datePublished\":\"2022-12-15T17:42:02+00:00\",\"dateModified\":\"2022-12-23T15:06:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/\"},\"wordCount\":1559,\"publisher\":{\"@id\":\"https:\/\/pakgon.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg\",\"keywords\":[\"\u5f59\u5831\"],\"articleSection\":[\"\u91d1\u878d\u548c\u94f6\u884c\u4e1a\"],\"inLanguage\":\"zh-Hans\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/\",\"url\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/\",\"name\":\"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon\",\"isPartOf\":{\"@id\":\"https:\/\/pakgon.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg\",\"datePublished\":\"2022-12-15T17:42:02+00:00\",\"dateModified\":\"2022-12-23T15:06:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#breadcrumb\"},\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage\",\"url\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg\",\"contentUrl\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg\",\"width\":1000,\"height\":492,\"caption\":\"Bank Digital\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/pakgon.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pakgon.com\/#website\",\"url\":\"https:\/\/pakgon.com\/\",\"name\":\"pakgon\",\"description\":\"Define the Future. Together.\",\"publisher\":{\"@id\":\"https:\/\/pakgon.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pakgon.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-Hans\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/pakgon.com\/#organization\",\"name\":\"pakgon\",\"url\":\"https:\/\/pakgon.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\/\/pakgon.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/header_logo.png\",\"contentUrl\":\"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/header_logo.png\",\"width\":1920,\"height\":408,\"caption\":\"pakgon\"},\"image\":{\"@id\":\"https:\/\/pakgon.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/pakgon.com\/#\/schema\/person\/b0bd62bb2f3ef692cf7895e4374bbe94\",\"name\":\"pakgon\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-Hans\",\"@id\":\"https:\/\/pakgon.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/590252499d30d3ef20d8ec49801a6569ee07beea9647860e81eccfdd68a1d9de?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/590252499d30d3ef20d8ec49801a6569ee07beea9647860e81eccfdd68a1d9de?s=96&d=mm&r=g\",\"caption\":\"pakgon\"},\"url\":\"https:\/\/pakgon.com\/zh-hans\/author\/pakgon\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pakgon.com\/zh-hans\/\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\/","og_locale":"zh_CN","og_type":"article","og_title":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon","og_description":"\u9867\u540d\u601d\u7fa9\uff0c\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63 (CBDC) \u662f\u7531\u570b\u5bb6\u4e2d\u592e\u9280\u884c\u767c\u884c\u7684\u4e00\u7a2e\u6578\u5b57\u8ca8\u5e63\u5f62\u5f0f\uff0c\u4f46\u9019\u500b\u540d\u7a31\u53ef\u80fd\u6703\u8b93\u4eba\u8aa4\u5165\u6b67\u9014\uff0c\u56e0\u70ba\u5118\u7ba1 CBDC \u5177\u6709\u96fb\u5b50\u5f62\u5f0f\uff0c\u4f46\u5b83\u5011\u8207\u66f4\u5ee3\u70ba\u4eba\u77e5\u7684\u6578\u5b57\u8cc7\u7522\u6709\u4e9b\u4e0d\u540c \u4f8b\u5982\u52a0\u5bc6\u8ca8\u5e63\u548c\u7a69\u5b9a\u5e63\uff0c\u800c CBDC \u5be6\u969b\u4e0a\u8207\u6578\u5b57\u5316\u7248\u672c\u7684\u786c\u5e63\u548c\u7d19\u5e63\u4e26\u6c92\u6709\u4ec0\u9ebc\u4e0d\u540c\uff0c\u5b83\u5011\u70ba\u65e5\u5e38\u751f\u6d3b\u7684\u8eca\u8f2a\u63d0\u4f9b\u6f64\u6ed1\u5291\u3002","og_url":"https:\/\/pakgon.com\/zh-hans\/\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230\/","og_site_name":"pakgon","article_published_time":"2022-12-15T17:42:02+00:00","article_modified_time":"2022-12-23T15:06:34+00:00","og_image":[{"width":1000,"height":492,"url":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg","type":"image\/jpeg"}],"author":"pakgon","twitter_card":"summary_large_image","twitter_misc":{"\u4f5c\u8005":"pakgon","\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"8 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#article","isPartOf":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/"},"author":{"name":"pakgon","@id":"https:\/\/pakgon.com\/#\/schema\/person\/b0bd62bb2f3ef692cf7895e4374bbe94"},"headline":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230","datePublished":"2022-12-15T17:42:02+00:00","dateModified":"2022-12-23T15:06:34+00:00","mainEntityOfPage":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/"},"wordCount":1559,"publisher":{"@id":"https:\/\/pakgon.com\/#organization"},"image":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage"},"thumbnailUrl":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg","keywords":["\u5f59\u5831"],"articleSection":["\u91d1\u878d\u548c\u94f6\u884c\u4e1a"],"inLanguage":"zh-Hans"},{"@type":"WebPage","@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/","url":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/","name":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230 | pakgon","isPartOf":{"@id":"https:\/\/pakgon.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage"},"image":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage"},"thumbnailUrl":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg","datePublished":"2022-12-15T17:42:02+00:00","dateModified":"2022-12-23T15:06:34+00:00","breadcrumb":{"@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/"]}]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#primaryimage","url":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg","contentUrl":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/coin-wealth-concept-loads-money-glass-representing-digital-tablet.jpg","width":1000,"height":492,"caption":"Bank Digital"},{"@type":"BreadcrumbList","@id":"https:\/\/pakgon.com\/zh-hans\/%e4%b8%ad%e5%a4%ae%e9%8a%80%e8%a1%8c%e6%95%b8%e5%ad%97%e8%b2%a8%e5%b9%a3%ef%bc%9a%e5%95%86%e6%a5%ad%e9%8a%80%e8%a1%8c%e9%9d%a2%e8%87%a8%e7%9a%84%e6%8c%91%e6%88%b0\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/pakgon.com\/"},{"@type":"ListItem","position":2,"name":"\u4e2d\u592e\u9280\u884c\u6578\u5b57\u8ca8\u5e63\uff1a\u5546\u696d\u9280\u884c\u9762\u81e8\u7684\u6311\u6230"}]},{"@type":"WebSite","@id":"https:\/\/pakgon.com\/#website","url":"https:\/\/pakgon.com\/","name":"pakgon","description":"Define the Future. Together.","publisher":{"@id":"https:\/\/pakgon.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pakgon.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":"Organization","@id":"https:\/\/pakgon.com\/#organization","name":"pakgon","url":"https:\/\/pakgon.com\/","logo":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/pakgon.com\/#\/schema\/logo\/image\/","url":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/header_logo.png","contentUrl":"https:\/\/pakgon.com\/wp-content\/uploads\/2022\/12\/header_logo.png","width":1920,"height":408,"caption":"pakgon"},"image":{"@id":"https:\/\/pakgon.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/pakgon.com\/#\/schema\/person\/b0bd62bb2f3ef692cf7895e4374bbe94","name":"pakgon","image":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/pakgon.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/590252499d30d3ef20d8ec49801a6569ee07beea9647860e81eccfdd68a1d9de?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/590252499d30d3ef20d8ec49801a6569ee07beea9647860e81eccfdd68a1d9de?s=96&d=mm&r=g","caption":"pakgon"},"url":"https:\/\/pakgon.com\/zh-hans\/author\/pakgon\/"}]}},"_links":{"self":[{"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/posts\/11660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=11660"}],"version-history":[{"count":0,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/posts\/11660\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/media\/6317"}],"wp:attachment":[{"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=11660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=11660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pakgon.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=11660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}