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연구보고서
Progress of Research & Development of E-CNY in China
PBC 2021-08-12
The robust development of network technology and digital economy call for retail payment services that are more convenient, safe, inclusive and privacy-friendly. In many countries and regions, central banks or monetary authorities have kept a close eye on Fintech development and sought to digitalize fiat currency, putting theory into practice.
The People's Bank of China (PBOC) attaches great importance to the research and development of digital fiat currency. In 2014, it set up a task force to study digital fiat currency, and its scope of research covered the issuance framework, key technologies, issuance and circulation environment, and international experience. In 2016, the PBOC established its Digital Currency Institute, which developed a Proof of Concept (PoC) of digital fiat currency. At end 2017, upon the approval of the State Council, the PBOC began to work with commercial institutions in developing and testing digital fiat currency (hereinafter referred to as e-CNY, a provisional abbreviation following international practices). So far, as the top-level design, function development, and system testing has been basically completed, the PBOC has initiated pilot programs in some representative regions, while making sure the pilots run in a steady, safe, managed, innovative and practical manner.
The PBOC working group on e-CNY research and development hereby releases this white paper to clarify the PBOC's position, to explain the background, objectives and visions, design framework and policy considerations for the e-CNY system, to seek public comments, as well as to deepen communication with all those concerned and join hands with them in building an open, inclusive, inter-operable and innovative currency service system for the era of digital economy.
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