{"id":152081,"date":"2021-09-30T09:01:10","date_gmt":"2021-09-30T01:01:10","guid":{"rendered":"https:\/\/www.fbe.hku.hk\/?p=152081&#038;post_type=thought-leadership&#038;preview_id=152081"},"modified":"2021-09-30T14:01:43","modified_gmt":"2021-09-30T06:01:43","slug":"digital-currency-poised-to-take-off-2","status":"publish","type":"thought-leadership","link":"https:\/\/www.hkubs.hku.hk\/tc\/research\/thought-leadership\/opinions-and-speeches\/digital-currency-poised-to-take-off-2\/","title":{"rendered":"\u6578\u78bc\u8ca8\u5e63 \u84c4\u52e2\u5f85\u767c"},"content":{"rendered":"<p>\u6839\u64da\u570b\u969b\u7d50\u7b97\u9280\u884c2021\u5e74\u7684\u8abf\u67e5\uff0c\u5168\u7403\u670986%\u7684\u4e2d\u592e\u9280\u884c\u6b63\u7a4d\u6975\u7814\u7a76\u592e\u884c\u6578\u78bc\u8ca8\u5e63\uff08central bank digital currency\uff09\u7684\u6f5b\u529b\uff0c14%\u7684\u592e\u884c\u66f4\u5df2\u7d93\u958b\u59cb\u63a8\u884c\u8a66\u9ede\u9805\u76ee <a 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Central Bank Digital Currency Bridge\uff09\u9805\u76ee\u3010\u8a3b6\u3011\uff0c\u8207\u4e16\u754c\u5404\u5730\u7684\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u9023\u63a5\uff0c\u5c07\u9999\u6e2f\u767c\u5c55\u6210\u6279\u767c\u5c64\u9762\u7684\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u4e2d\u5fc3\u3002\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u7684\u8de8\u5883\u61c9\u7528\uff0c\u53ef\u758f\u901a\u7cb5\u6e2f\u6fb3\u5927\u7063\u5340\u7684\u8cc7\u672c\u6d41\u52d5\uff0c\u8db3\u4ee5\u4ee4\u9999\u6e2f\u548c\u5167\u5730\u4e4b\u9593\u7684\u8de8\u5883\u91d1\u878d\u6d3b\u52d5\u66f4\u4e0a\u4e00\u5c64\u6a13\u3002<\/p>\n<p>\u76ee\u524d\uff0c\u6df1\u5733\u8207\u9999\u6e2f\u80a1\u5e02\u4e92\u806f\u4e92\u901a\u6a5f\u5236\uff08\u300c\u6df1\u6e2f\u901a\u300d\uff09\u7684\u8cc7\u91d1\u6d41\u52d5\u63a1\u53d6\u9589\u74b0\u5f0f\uff0c\u5167\u5730\u6295\u8cc7\u8005\u82e5\u8981\u628a\u9999\u6e2f\u80a1\u7968\u8f49\u70ba\u50b5\u5238\u6295\u8cc7\uff0c\u9808\u5148\u8ce3\u51fa\u80a1\u7968\uff0c\u8b93\u8cc7\u91d1\u901a\u904e\u300c\u6df1\u6e2f\u901a\u300d\u56de\u6d41\u6df1\u5733\uff0c\u518d\u4ee5\u5176\u4ed6\u9014\u5f91\u6295\u8cc7\u9999\u6e2f\u7684\u50b5\u5238\u7522\u54c1\u3002\u9019\u4e0d\u4f46\u589e\u6dfb\u6210\u672c\uff0c\u66f4\u6709\u5750\u5931\u6295\u8cc7\u826f\u6a5f\u4e4b\u865e\u3002\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u6709\u52a9\u89e3\u6c7a\u9019\u500b\u554f\u984c\uff0c\u4f8b\u5982\u898f\u5b9a\u6578\u5b57\u4eba\u6c11\u5e63\uff0c\u53ea\u8a31\u7528\u4f5c\u8cfc\u8cb7\u5df2\u7372\u6279\u51c6\u7684\u5e7e\u985e\u9999\u6e2f\u6295\u8cc7\u7522\u54c1\uff0c\u8b93\u5728\u6e2f\u6295\u8cc7\u7684\u5167\u5730\u6295\u8cc7\u8005\uff0c\u7372\u5f97\u8f03\u5927\u9748\u6d3b\u6027\u4e4b\u9918\uff0c\u540c\u6642\u6eff\u8db3\u6709\u95dc\u8cc7\u672c\u6d41\u5411\u7684\u76e3\u7ba1\u8981\u6c42\u3002\u540c\u6a23\uff0c\u82e5\u80a1\u7968\u901a\u53ef\u4f7f\u7528\u592e\u884c\u6578\u78bc\u8ca8\u5e63\uff0c\u8de8\u5883\u8cc7\u91d1\u6d41\u5411\u7b26\u5408\u76e3\u7ba1\u8981\u6c42\uff0c\u5c31\u53ef\u9069\u5ea6\u653e\u5bec\u5c0d\u5357\u5411\u6295\u8cc7\u7684\u9650\u5236\u3002<\/p>\n<p>\u73fe\u6642\u7f8e\u570b\u50c5\u4f54\u4e16\u754c\u8ca8\u7269\u51fa\u53e3\u7e3d\u503c8%\uff0c\u800c\u5168\u7403\u8cbf\u6613\u4ee5\u7f8e\u5143\u7d50\u7b97\u7684\u6bd4\u7387\u537b\u9ad8\u905487%\uff1b\u53cd\u89c0\u4e2d\u570b\u6240\u4f54\u7684\u4efd\u984d\u5247\u5206\u5225\u70ba14%\u548c2%\u3002\u7531\u6b64\u53ef\u898b\uff0c\u4eba\u6c11\u5e63\u4f5c\u70ba\u570b\u969b\u8cbf\u6613\u7d50\u7b97\u8ca8\u5e63\u5927\u6709\u63d0\u5347\u7a7a\u9593\u3002\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u7684\u767c\u5c55\uff0c\u7121\u7591\u662f\u4eba\u6c11\u5e63\u8d70\u5411\u570b\u969b\u7684\u4e00\u500b\u6709\u6548\u65b9\u6848\u3002\u5047\u4ee5\u6642\u65e5\uff0c\u96a8\u7740\u52a0\u5165\u300c\u591a\u7a2e\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u8de8\u5883\u7db2\u7d61\u300d\u7684\u7d93\u6fdf\u9ad4\u53ca\u6709\u95dc\u8ca8\u5e63\u65e5\u589e\uff0c\u6578\u5b57\u4eba\u6c11\u5e63\u7684\u6d77\u5916\u4f7f\u7528\u548c\u514c\u63db\u5c07\u6108\u898b\u65b9\u4fbf\u3002\u9999\u6e2f\u53ef\u6191\u85c9\u5176\u8d85\u7d1a\u806f\u7e6b\u4eba\u7684\u89d2\u8272\uff0c\u4fc3\u9032\u6578\u5b57\u4eba\u6c11\u5e63\u548c\u6d77\u5916\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u7684\u514c\u63db\uff0c\u9032\u800c\u63a8\u52d5\u4eba\u6c11\u5e63\u570b\u969b\u5316\u3002<\/p>\n<h5>\u516c\u79c1\u5354\u4f5c\u6548\u61c9<\/h5>\n<p>\u9999\u6e2f\u65bc2018\u5e7410\u6708\u555f\u52d5\u7684\u5340\u584a\u93c8\u8cbf\u6613\u5e73\u53f0\u300c\u8cbf\u6613\u806f\u52d5\u300d\u3010\u8a3b7\u3011\uff0c\u5df2\u5148\u5f8c\u8207\u65b0\u52a0\u5761\u3001\u6b50\u6d32\u53ca\u5167\u5730\u7684\u76f8\u95dc\u5e73\u53f0\u5408\u4f5c\uff0c\u6539\u5584\u8cbf\u6613\u6d41\u7a0b\uff0c\u5f9e\u800c\u63a8\u5ee3\u8cbf\u6613\u6578\u78bc\u5316\u3002\u300c\u591a\u7a2e\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u8de8\u5883\u7db2\u7d61\u300d\u53ef\u9678\u7e8c\u5f15\u5165\u6b64\u985e\u5340\u584a\u93c8\u8cbf\u6613\u5e73\u53f0\uff0c\u914d\u5408\u81ea\u8eab\u7684\u8ca8\u5e63\u514c\u63db\u548c\u8de8\u5883\u532f\u6b3e\u670d\u52d9\uff0c\u5171\u540c\u63a8\u52d5\u4ee5\u6578\u78bc\u8ca8\u5e63\u70ba\u6838\u5fc3\u7684\u8cbf\u6613\u91d1\u878d\u767c\u5c55\u3002\u7531\u65bc\u6578\u78bc\u91d1\u878d\u7cfb\u7d71\u4ecd\u7136\u8655\u65bc\u8d77\u6b65\u968e\u6bb5\uff0c\u91d1\u7ba1\u5c40\u61c9\u4ee5\u6574\u9ad4\u5354\u540c\u767c\u5c55\u70ba\u57fa\u790e\uff0c\u5236\u5b9a\u5b8c\u6574\u767c\u5c55\u7b56\u7565\uff0c\u517c\u9867\u6cd5\u5f8b\u6846\u67b6\u3001\u98a8\u96aa\u7ba1\u7406\u7b49\u56e0\u7d20\u3002\u570b\u969b\u7d50\u7b97\u9280\u884c\u5247\u53ef\u5f9e\u4e2d\u5354\u8abf\uff0c\u70ba\u5404\u570b\u4e2d\u592e\u9280\u884c\u63d0\u4f9b\u4ea4\u6d41\u5e73\u53f0\u3002<\/p>\n<p>\u6709\u95dc\u63a8\u51fa\u6e2f\u5143\u6578\u78bc\u8ca8\u5e63\u7684\u7814\u7a76\u76ee\u6a19\uff0c\u5728\u65bc\u4ee5\u4f4e\u6210\u672c\u70ba\u5e02\u6c11\u63d0\u4f9b\u65b0\u5f0f\u800c\u9ad8\u6548\u7684\u96f6\u552e\u652f\u4ed8\u9078\u64c7\uff0c\u800c\u975e\u70ba\u6c42\u53d6\u4ee3\u73fe\u91d1\u3001\u516b\u9054\u901a\u3001\u4fe1\u7528\u5361\u3001\u300c\u8f49\u6578\u5feb\u300d\u7b49\u652f\u4ed8\u65b9\u5f0f\uff1b\u91d1\u7ba1\u5c40\u61c9\u52a0\u4ee5\u6df1\u5165\u7814\u7a76\uff0c\u78ba\u4fdd\u6e2f\u5143\u6578\u78bc\u8ca8\u5e63\u8207\u73fe\u884c\u96f6\u552e\u652f\u4ed8\u65b9\u5f0f\u517c\u5bb9\u3002\u82e5\u8981\u52a0\u5feb\u843d\u5be6\u6e2f\u5143\u6578\u78bc\u8ca8\u5e63\uff0c\u4e0d\u59a8\u8003\u616e\u516c\u79c1\u71df\u5408\u4f5c\u6a21\u5f0f\uff0c\u4f8b\u5982\u7531\u8986\u84cb\u7387\u751a\u5ee3\u7684\u516b\u9054\u901a\u8207\u96fb\u5b50\u9322\u5305\u4f9b\u61c9\u5546\u5408\u4f5c\u3002\u91d1\u7ba1\u5c40\u53ef\u53c3\u8003\u6578\u5b57\u4eba\u6c11\u5e63\u7684\u8a66\u9ede\u65b9\u6848\uff0c\u5f9e\u7c21\u5165\u624b\uff0c\u5982\u6d3e\u767c\u653f\u5e9c\u88dc\u8cbc\u3001\u7e73\u4ea4\u516c\u7528\u4e8b\u696d\u8cec\u55ae\u7b49\uff0c\u9f13\u52f5\u5e02\u6c11\u4f7f\u7528\u96fb\u5b50\u9322\u5305\uff0c\u4e26\u53ef\u6e1b\u4f4e\u6b3e\u9805\u88ab\u632a\u7528\u7684\u98a8\u96aa\u3002\u518d\u8005\uff0c\u66f4\u53ef\u5c07\u88dc\u52a9\u91d1\u8a2d\u5b9a\u70ba\u53ea\u4f9b\u6d88\u8cbb\u7528\u9014\uff0c\u78ba\u4fdd\u6709\u52a9\u523a\u6fc0\u7d93\u6fdf\u3002\u9577\u9060\u800c\u8a00\uff0c\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u65e5\u5f8c\u53ef\u7528\u65bc\u5404\u985e\u516c\u5171\u670d\u52d9\uff0c\u4fbf\u5229\u653f\u5e9c\u548c\u5e02\u6c11\u3002<\/p>\n<h5>\u6253\u9020\u591a\u91cd\u6548\u76ca<\/h5>\n<p>\u8fd1\u5e74\u4f86\uff0c\u516b\u9054\u901a\u96d6\u5df2\u958b\u59cb\u652f\u63f4\u65b0\u7684\u96fb\u5b50\u652f\u4ed8\u7cfb\u7d71\uff08\u5982\u300c\u8f49\u6578\u5feb\u300d\uff09\u589e\u503c\uff0c\u4f46\u7cfb\u7d71\u6545\u969c\u6642\u6709\u767c\u751f\uff0c\u6280\u8853\u6c34\u5e73\u6709\u5f85\u63d0\u5347\u3002\u8a72\u516c\u53f8\u82e5\u80fd\u8207\u91d1\u7ba1\u5c40\u5408\u4f5c\uff0c\u63a8\u51fa\u6e2f\u5143\u6578\u78bc\u8ca8\u5e63\uff0c\u5247\u65e2\u6709\u671b\u6539\u826f\u652f\u4ed8\u6280\u8853\uff0c\u540c\u6642\u52a9\u63a8\u6578\u78bc\u7d93\u6fdf\uff0c\u4e00\u8209\u5169\u5f97\u3002<\/p>\n<p>\u5728\u672c\u6e2f\u63a8\u5ee3\u91d1\u878d\u6559\u80b2\uff0c\u4e0d\u4f46\u52a0\u6df1\u666e\u7f85\u5927\u773e\u5c0d\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u7684\u8a8d\u8b58\uff0c\u4ea6\u53ef\u589e\u5f37\u9019\u4e00\u65b0\u5f0f\u8ca8\u5e63\u7684\u8a8d\u53d7\u6027\uff0c\u5176\u4f5c\u7528\u6bcb\u5eb8\u7f6e\u7591\u3002\u592e\u884c\u6578\u78bc\u8ca8\u5e63\u4f5c\u70ba\u6578\u78bc\u91d1\u878d\u7684\u95dc\u9375\u57fa\u790e\u8a2d\u65bd\uff0c\u5176\u767c\u5c55\u7aef\u6709\u8cf4\u696d\u754c\u7684\u5354\u8abf\u548c\u5408\u4f5c\u3002\u6b63\u7576\u4e2d\u570b\u4eba\u6c11\u9280\u884c\u5be9\u614e\u63a8\u52d5\u6578\u5b57\u4eba\u6c11\u5e63\u7684\u8de8\u5883\u767c\u5c55\uff0c\u9999\u6e2f\u842c\u52ff\u932f\u5931\u826f\u6a5f\uff0c\u66f4\u61c9\u6089\u529b\u767c\u63ee\u5176\u8d85\u7d1a\u806f\u7e6b\u4eba\u7684\u89d2\u8272\uff0c\u7531\u672c\u5730\u91d1\u878d\u6a5f\u69cb\u53ca\u653f\u5e9c\u90e8\u9580\u81f4\u529b\u63a8\u5ee3\uff0c\u52d9\u6c42\u4ee4\u7279\u5340\u6210\u70ba\u6578\u5b57\u4eba\u6c11\u5e63\u7684\u91cd\u8981\u4e2d\u8f49\u5e73\u53f0\uff0c\u4fc3\u9032\u4eba\u6c11\u5e63\u570b\u969b\u5316\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3010\u8a3b1\u3011\uff1a&#8221;<a href=\"https:\/\/www.bis.org\/about\/bisih\/topics\/cbdc.htm\">BIS Innovation Hub work on central bank digital currency<\/a>&#8220;, Bank for International Settlements, 2021<\/p>\n<p>\u3010\u8a3b2\u3011\uff1a<a href=\"http:\/\/www.gov.cn\/xinwen\/2021-07\/16\/5625569\/files\/e944faf39ea34d46a256c2095fefeaab.pdf\">\u4e2d\u570b\u6578\u5b57\u4eba\u6c11\u5e63\u7684\u7814\u767c\u9032\u5c55\u767d\u76ae\u66f8<\/a>\uff0c2021\u5e747\u6708<\/p>\n<p>\u3010\u8a3b3\u3011\uff1a<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/press-releases\/2021\/06\/20210608-4\/\">\u91d1\u7ba1\u5c40\u516c\u5e03\u300c\u91d1\u878d\u79d1\u62802025\u300d\u7b56\u7565\uff0c2021\u5e746\u67088\u65e5\u00a0<\/a><\/p>\n<p>\u3010\u8a3b4\u3011\uff1a&#8221;<a href=\"https:\/\/remittanceprices.worldbank.org\/sites\/default\/files\/rpw_report_march_2017.pdf\">An analysis of trends in cost of remittance services: Remittance Prices Worldwide<\/a>&#8220;, The World Bank, March 2017<\/p>\n<p>\u3010\u8a3b5\u3011\uff1a<a href=\"https:\/\/www.hkubs.hku.hk\/research\/thought-leadership\/hkej-column\/the-era-of-digital-payment\/\">\u3008\u96fb\u5b50\u652f\u4ed8 \u6642\u4ee3\u6d2a\u6d41\u3009\uff0c<\/a>\u8b1d\u570b\u751f\u3001\u4f55\u654f\u6dd9\uff0c\u300a\u4fe1\u5831\u300b\uff0c2021\u5e749\u670815\u65e5<\/p>\n<p>\u3010\u8a3b6\u3011\uff1a<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/press-releases\/2021\/02\/20210223-3\/\">\u6709\u95dc\u300c\u591a\u7a2e\u592e\u884c<span class=\"highlight\">\u6578\u78bc\u8ca8\u5e63<\/span>\u8de8\u5883\u7db2\u7d61\u300d\u9805\u76ee\u7684\u806f\u5408\u8072\u660e<\/a>\uff0c2021\u5e742\u670823\u65e5<\/p>\n<p>\u3010\u8a3b7\u3011\uff1a<a href=\"https:\/\/www.hkicl.com.hk\/chi\/our_services\/etradeconnect.php\">\u8cbf\u6613\u806f\u52d5<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u8b1d\u570b\u751f 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