金融大家评 | 如何加快推进数字人民币发展？

Core Viewpoint - The article emphasizes the importance of steadily developing the digital RMB as a key task in building a strong financial nation, highlighting the recent establishment of a "dual-center" framework for its promotion and the need for infrastructure and strategic upgrades in its implementation [2]. Group 1: Infrastructure Development - The construction of digital RMB infrastructure is accelerating, with the establishment of the Digital RMB International Operation Center in Shanghai and the Digital RMB Operation Management Center in Beijing, aimed at enhancing cross-border applications and financial market innovations [3]. - As of September 2025, the cumulative transaction amount in pilot areas for digital RMB is expected to reach 14.2 trillion yuan, with 33.2 billion transactions processed and 225 million personal wallets opened through the digital RMB app [3]. Group 2: Positioning of Digital RMB - Experts argue that the digital RMB should not be limited to M0 (cash in circulation) but should be recognized as a comprehensive digitalization of the RMB, allowing for broader applications beyond cash management [4]. - The current M0 positioning of digital RMB restricts its potential, and adjustments are necessary to extend its functionality towards M1 and M2, which would incentivize both individuals and businesses to adopt it [5]. Group 3: Upgrading Measurement Framework - The digital RMB's measurement framework needs to be upgraded to enhance its monetary derivation capabilities, aligning with economic growth and ensuring that commercial banks and users are motivated to engage with it [6]. - The article suggests that the digital RMB should evolve to support a more integrated monetary system, allowing for better service to the real economy through technological advancements [6]. Group 4: Expanding Application Scenarios - The digital RMB is being positioned to support a wide range of payment scenarios, including C-end personal payments, B-end merchant payments, and cross-border transactions, with a focus on enhancing user experience and accessibility [7][8]. - The establishment of a market-driven ecosystem for digital RMB is crucial to stimulate its usage among market participants, requiring a management system that attracts professional talent and enhances competitiveness in the financial market [8].