Group 1 - The widespread promotion and application of digital currencies are transforming the global financial environment, creating new opportunities and challenges for individuals and businesses [2] - The rise of decentralized finance (DeFi) utilizes digital currencies and blockchain technology to create financial service platforms without traditional intermediaries, allowing users to lend, trade, and invest directly on-chain [2] - Digital currencies enhance the convenience of international trade by reducing intermediary involvement, lowering exchange rate risks, and decreasing transaction costs, thus improving efficiency [2] Group 2 - Central Bank Digital Currency (CBDC) development is being explored and implemented by central banks worldwide to enhance the efficiency and security of monetary systems, potentially altering traditional banking business models [2] - As the digital currency market grows, many countries are establishing stricter regulatory frameworks to ensure market stability and user safety, making compliance a key factor for the success of enterprises and projects [2] - User education and training are becoming increasingly important due to the complexity of digital currencies, with more training programs, online courses, and community support emerging to help users understand the basic concepts and risks [2] Group 3 - Continuous technological innovation will enrich the functionalities of digital currencies, leading to the emergence of more decentralized applications (DApps) that provide users with a smoother experience [4] - The potential integration of traditional financial institutions with digital currency projects may enhance the flexibility of the traditional financial system through offerings like digital wallets and payment solutions [4] - The widespread use of digital currencies may trigger new social and economic transformations, emphasizing personal privacy protection, establishing decentralized trust mechanisms, and challenging monetary policies [4]

文/ 复旦大学经济学院、世界经济研究所副教授 蔡晓月 当地时间2025年1月23日，美国总统特朗普签署一项行政令，禁止任何机 构在美国境内外发行或使用央行数字货币（CBDC），放松对私人发行数 字货币的监管。本文分析该行政令将给美国数字资产监管环境和生态体系 带来哪些重大改变，并提出了我国的应对措施建议。 当地时间2025年1月23日，美国总统特朗普签署行政令，禁止任何机构在美国境内外发行或使用央行数 字货币（CBDC），放松对私人发行数字货币的监管，以加强美国在数字金融技术领域的领导地位。该 行政令将导致美国数字资产监管环境和生态体系发生重大改变、央行数字货币发展受阻，但也为非美元 数字货币和支付体系提供发展机会。美国主动放弃央行数字货币发展，我国应密切关注其实施进展，并 继续坚持CBDC发展方向，推动在国际上开展多边CBDC合作和数字人民币等非美元跨境结算体系发 展，提升在全球CBDC发展中的话语权和主导权。 行政令主要内容 该行政令撤销了2022年3月颁布的第14067 号《关于确保负责任地发展数字资产的行政命令》和同年7月 发布的美国财政部数字资产国际参与框架，转而成立美国总统领导的数字资产市场工作组 ...