近日，中国人民银行宣布将出台数字人民币相关行动方案，标志着我国在数字货币领域的战略布局迈入新阶段。该行动方案旨在进一步完善数字人民币的顶层设计、技术标准、应用场景和监管机制，推动其在零售支付、跨境结算、普惠金融等领域的深度应用。作为全球最早开展央行数字货币（CBDC）试点的国家之一，中国已在多个城市开展数字人民币试点，覆盖交通出行、政务服务、商超购物等多个高频场景。此次行动方案的推出，不仅有助于提升支付系统的效率与安全性，还将强化金融基础设施建设，增强货币政策传导效果，并为未来人民币国际化提供技术支撑。同时，央行强调将坚持‘稳妥推进、安全可控’的原则，在保护用户隐私和数据安全的前提下，逐步扩大试点范围，探索与现有金融体系的有机融合。数字人民币的推广并非取代现金，而是作为现金的补充，构建更加多元、便捷、安全的支付生态。
Recently, the People’s Bank of China announced it will issue an action plan for the digital renminbi (e-CNY), marking a new phase in China’s strategic deployment of central bank digital currency (CBDC). The plan aims to further refine the top-level design, technical standards, application scenarios, and regulatory frameworks for e-CNY, promoting its deeper integration into retail payments, cross-border settlements, and inclusive finance. As one of the first countries globally to pilot a CBDC, China has already conducted extensive trials across multiple cities, covering high-frequency use cases such as public transport, government services, and retail shopping. This new action plan is expected to enhance payment system efficiency and security, strengthen financial infrastructure, improve monetary policy transmission, and provide technological support for the internationalization of the renminbi. The central bank emphasized a cautious and secure approach, prioritizing user privacy and data protection while gradually expanding pilot programs and exploring seamless integration with the existing financial system. Importantly, the digital RMB is not intended to replace physical cash but to complement it, helping build a more diverse, convenient, and secure payment ecosystem.
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