Đồng Nhân dân tệ kỹ thuật số: cơ hội và thách thức đối với hệ thống ngân hàng thương mại Trung Quốc

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Tác giả: Thị Thuận Nguyễn

Ngôn ngữ: Vie

Ký hiệu phân loại: 650 Management and auxiliary services

Thông tin xuất bản: Quản lý và Kinh tế quốc tế 2021

Mô tả vật lý: 46-64

Bộ sưu tập: Metadata

ID: 392921

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Tóm tắt
Chủ đề

Với tham vọng đẩy nhanh quá trình quốc tế hóa đồng Nhân dân tệ (NDT), sau6 năm nghiên cứu và phát triển, đồng tiền kỹ thuật số pháp định do Ngân hàng Nhân dân Trung Quốc (PBOC) phát hành với tên gọi chính thức là đồng tiền kỹ thuật số thanh toán điện tử (Digital Currency Electronic Payment - DCEP) đã bước vào giai đoạn thử nghiệm tại Thâm Quyến, Thành Đô, Tô Châu và các thành phố được dự kiến sẽ tổ chức Thế vận hội Mùa đông 2022. Dựa trên các thông tin công khai hiện có, sử dụng phương pháp nghiên cứu định tính, bài viết tiến hành phân tích các cơ hội và thách thức của hệ thống ngân hàng thương mại (NHTM) Trung Quốc khi PBOC phát hành và vận hành DCEP. Kết quả phân tích cho thấy DCEP giúp cải thiện sự thuận tiện trong thanh toán hàng ngày, giảm chi phí quản lý tiền giấy của ngân hàng, hỗ trợ Chính phủ ngăn chặn các hoạt động bất hợp pháp như rửa tiền và trốn thuế, tăng cường sự ổn định tài chính, cải thiện hiệu quả của chính sách tiền tệ cũng như thúc đẩy phát triển kinh tế, công nghệ và tiến bộ xã hội. Mặt khác, DCEP làm giảm khả năng tạo tiền tín dụng, giảm số nhân tiền, giảm tính ổn định trong cơ cấu tiền gửi và khiến hệ thống NHTM phải đối mặt với tái cấu trúc. Từ các kết quả phân tích, bài viết đưa ra các khuyến nghị chính sách nhằm ổn định hoạt động của các NHTM trong bối cảnh phát triển tài chính số., Tóm tắt tiếng anh, With the ambition of accelerating the internationalization of the Yuan, after six years of research and development, a legal digital currency is issued by the People's Bank of China (PBOC) with the official name of Digital Currency Electronic Payment (DCEP). It has entered a pilot phase in Shenzhen, Chengdu, Suzhou and other cities that are planned to host the 2022 Winter Olympics. Based on the existing public information, using qualitative research methods, this article analyzes the opportunities and challenges for Chinese commercial banks in the issuance and operation of the digital Yuan. The analysis results show that the DCEP improves the convenience of daily payments, reduces the cost of managing bank paper money, supports the government in preventing illegal activities such as money laundering and tax evasion, enhances financial stability, improves the efficiency of monetary policy as well as promotes economic, technological and social progress. The DCEP reduces the ability to create credit money, reduces the number of money multipliers, reduces stability in the deposit structure and causes the commercial banking system to face restructuring. From the analysis results, this research provides some policy recommendations to stabilize the operations of commercial banks in the digital financial age.

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