| Throughout history,the monetary field has always been opening up a round of innovation.From "low" to "high",the information content changes from "less" to "more".Currency has also gradually moved from traditional metal currency,banknotes,and electronic cash to digital currency,and people’s dependence on traditional physical currency and electronic metal currency has gradually decreased.The demand for paperless transactions has increased,and digital currency can also be used for precise investment in bail-out capital,which will also promote central banks around the world to accelerate the development of digital currency.At present,China is building a modern market economy system and actively developing a large-scale digital economy.As a special force that promotes economic prosperity and development and profound social changes,currency has attracted much attention from the society.In this context,fiat digital currency has become a hot topic of research.However,how to correctly understand legal digital currency?Theoretical analysis of the demand and feasibility of legal digital currency? The above issues need to be further studied.While overcoming the shortcomings of the traditional RMB,the legal digital currency will inevitably produce new changes and challenges.Therefore,under the basic principles of maintaining the security of the national financial system,promoting the development of financial services,and improving the level of regulatory technology,how to complete the effective supervision of the government’s legal digital currency has become a major issue at present.Combining the above problems,starting from the conceptual definition and theoretical analysis of legal digital currency,this thesis introduces the definition and nature of legal digital currency,and studies the regulatory theory related to legal digital currency.Then it introduces the demand,feasibility and development status of legal digital currency,analyzes the demand for legal digital currency based on the currency demand theory,expounds the feasibility of its development and the development status and supervision status of legal digital currency in my country.Then,from the aspects of laws and regulations,issuance and circulation,financial system,and information technology,it explores the risk prediction of my country’s issuance of legal digital currency from the perspective of the central bank.Beginning in 2014,the People’s Bank of China began to set up a special working group to develop the central bank’s digital renminbi.By the end of 2019,the People’s Bank of China had conducted digital renminbi experiments in Shenzhen,Jiangsu,Xiong’an,and Chengdu.As of June 30,2021,the digital renminbi’s the test covered more than 1.32 million scenarios in industries such as enterprise payment,public transportation,catering and shopping,and government services.At the 2022 Beijing Winter Olympics,a pilot test of the digital renminbi was also launched.As my country’s legal digital currency is currently in the internal closed testing stage,there is no established mature regulatory policy.This paper mainly conducts relevant research on the form of legal digital currency,and makes further supervision suggestions on the huge risks hidden in the development process.The four aspects of circulation environment construction,improvement of the market supervision and management system corresponding to the legal digital currency form,and continuous strengthening of information technology supervision will work together to achieve the long-term goal of maintaining the normal and orderly development of the market,and improve the supervision and management system for new currencies.The adaptability,effectiveness and adequacy of formal development,balancing and safeguarding the rights and interests of all parties in the market.In the new round of financial system reform,efforts will be made to create a normal space for the stable and healthy development of the financial market. |
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