湘南学院学报投稿系统

数字人民币对中国贸易发展的影响因素关联度分析

作者：黄严姣, 岳向华

单位：湘南学院经济与管理学院

基金项目：

摘要：

探究数字人民币在中国贸易发展领域的影响及对策，有利于应对数字人民币发展过程中的机遇与挑战，而相关研究极少。本文基于数字人民币设计特性，采用灰色关联分析法评价消费者、中小微企业和国家三个影响因素主体与中国贸易发展的关联度，综合主客观因素利用AHP层次分析法比较要素指标在中国贸易发展中的作用，分析数字人民币对中国贸易发展可能产生的问题。结果发现：数字人民币国家总体使用规模与中国贸易发展关联度最高，贸易制度对数字人民币总体使用规模的影响最大；其次是消费者，消费者需求偏好是消费者使用数字人民币极为看重的要素；最后是中小微企业，融资状况对于中小微企业运用数字人民币钱包具有极大影响。而数字人民币在消费者隐私安全、使用路径及使用规则、中国金融市场稳定性等方面仍存在隐患。因此，应加强技术研发，保护用户信息；完善法律法规，提升监管力度；明确数字人民币定位，加强国际合作。

关键词：数字人民币；跨境贸易；跨境支付；央行数字货币（CBDC）

The Influence of E-CNY on China's Trade Development and Countermeasures

Author's Name:

Institution:

Abstract:

Exploring the influence and countermeasures of e-CNY in the field of China's trade development is conducive to dealing with the opportunities and challenges in the development process of e-CNY, but there are very few related studies. Based on the design characteristics of e-CNY, this paper analyzes the influence of consumers, small mediumand micro enterprises and country on China's trade development, evaluates the correlation between the three subjects and China's trade development, and uses the subjective and objective factors to compare the role of factor indicators in China's trade development. The results show that the overall use scale of e-CNY has the highest correlation with China's trade development, and the trade system has the largest influence on the overall use scale of e-CNY; followed by consumers, the consumer demand preference is the use of e-CNY; and finally, micro SMEs, the financing situation has a great influence on the use of e-CNY wallet. However, e-CNY still has hidden dangers in consumer privacy security, use path and use rules, and stability of China 's financial market.Therefore, it is necessary to strengthen technology research and development to protect user information,improve laws and regulations, enhance supervision, and define the e-CNY positioning, strengthen international cooperation.

Keywords: E-CNY;cross-border trade;cross-border payment; CBDC

投稿时间：2023-01-05