近日，前浙商银行行长刘晓春在多个公开场合强调，数字人民币的发展不能仅局限于支付功能，而应突破现有边界，探索更广泛的金融与经济应用场景。他认为，当前数字人民币试点主要聚焦于零售支付领域，虽取得一定成效，但若仅将其视为现金的电子替代品，则难以发挥其作为新型货币基础设施的潜力。刘晓春指出，数字人民币应进一步融入信贷、理财、跨境结算乃至货币政策传导等核心金融环节，从而提升金融体系效率、增强央行调控能力，并推动数字经济高质量发展。他还建议，在保障安全与隐私的前提下，鼓励技术创新和制度协同，构建开放、兼容、可扩展的数字人民币生态体系。只有跳出‘支付工具’的单一视角，才能真正释放数字人民币的战略价值，助力中国在全球数字货币竞争中占据先机。
Recently, Liu Xiaochun, former president of China Zheshang Bank, has emphasized in multiple public forums that the development of China’s digital yuan should not be confined solely to payment functions but must break through existing boundaries to explore broader financial and economic applications. He noted that while current pilot programs for the digital yuan have primarily focused on retail payments and achieved some success, viewing it merely as an electronic substitute for cash limits its potential as a new monetary infrastructure. Liu argued that the digital yuan should be further integrated into core financial areas such as credit, wealth management, cross-border settlements, and even monetary policy transmission. This integration would enhance the efficiency of the financial system, strengthen the central bank’s policy implementation capabilities, and support high-quality development of the digital economy. He also recommended fostering technological innovation and institutional coordination—while ensuring security and privacy—to build an open, interoperable, and scalable digital yuan ecosystem. Only by moving beyond the narrow perspective of a ‘payment tool’ can the strategic value of the digital yuan be fully realized, positioning China at the forefront of global competition in digital currencies.
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